Industrial Bank tax loan application conditions

Whether it is Industrial Bank or other banks, the conditions for applying for loans are as follows:

1. Natural persons aged 18-65;

2. The person’s actual Age plus loan application period should not exceed 70 years old;

3. Stable career, stable income, ability to repay loan principal and interest on time;

4. Good condition, no bad record;

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5. Other conditions specified.

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Industrial Bank:

1. Loan interest rate

The loan execution interest rate shall be subject to the regulations of the local branch of Industrial Bank.

2. Loan repayment method

For loans with a loan term of less than half a year (inclusive), the repayment method is a lump sum payment of principal and interest upon maturity;

For loans with a loan term of more than 1 year (inclusive), the principal shall be repaid in installments with monthly interest, or the principal and interest shall be repaid in equal monthly installments.

3. Application materials

1. "Travel Contract" or "Letter of Intent to Travel" signed between the borrower and the travel agency;

2. Borrower's ID card, Household register and passport;

3. Real estate certificate in the name of the borrower (including spouse) or income certificate issued by the borrower's employer;

4. Other information required by Industrial Bank .

Annual fee-free policy: Swipe the Gold Card 5 times to waive the annual fee for the following year

Cash advance handling fee: RMB: 2% of the cash advance amount, minimum RMB 20 Yuan/pen (regardless of the same city or different place). Foreign currency: 2% of the cash advance amount, minimum USD 2 yuan/transaction (regardless of the same city or different place)

Multiple account management: *** Enjoy independent repayment on the billing day

< p>Instalment business: Supports installment business; interest-free installment (3, 6, 12 installments) for specific merchants, bill installment business (not limited to commodities, not limited to merchants, 3, 6, 12, 18, 24 installments) , single consumption installment (3, 6, 12, 18, 24 installments, single consumption over 100 yuan can be applied for through credit card online banking, mobile banking and customer service phone).

Billing date: Depending on the card type, the billing date that can be selected is different, and the cardholder can change it every six months

The minimum limit for an Industrial Bank credit card loan is 2,000 yuan , the maximum is 50,000 yuan, but please note that the credit card loan amount cannot exceed the approved range of cash advance in your account. After applying for a credit card loan, the borrower can choose to repay the processing fee in installments or in a lump sum. The minimum repayment installment is 3 installments and the maximum is 36 installments

Industrial Bank’s credit cards are mainly divided into two categories. One is the standard card, including gold card and regular card. The regular card has no annual fee in the first year. If you swipe the card 5 times, the annual fee for the second year will be waived; the gold card limit is 50,000 yuan, and the annual fee will be waived if you swipe the card 5 times a year. The other type is the platinum card. This type of credit card includes a variety of card types, and the annual fees are also divided into 500 yuan, 600 yuan, 900 yuan and 2,600 yuan.