Precautions

Customers who have not completed real-name authentication cannot apply for a loan.

Customers authenticated as an individual can only apply for an individual loan. The maximum credit is ¥2,000,000, and the provisioning takes as fast as 5 minutes.

Customers authenticated as an enterprise can apply for an individual or enterprise loan. The maximum credit is ¥5,000,000. The first application requires qualification verification, which takes about 3 to 5 working days.

Procedure

Similar steps are required to apply for an individual loan and an enterprise loan. The following uses an example of applying for an enterprise loan.

1. Go to the Loan Management > Loan Authentication page.
2. Select Enterprise Loan.
3. Fill in the information and click Submit.

   

   Table 1 Application information

   Parameter	Description
   Legal Representative
   Name	Name of the enterprise legal person. It must be consistent with the real-name authentication information.
   ID Card No.	ID card No. of the enterprise legal person.
   Mobile Number	Mobile phone number of the enterprise legal person, to which repayment notifications will be sent. Please enter a frequently used number.
   Corporate Bank Account	Corporate bank account of the enterprise at ICBC, which is used to receive bank loans by default.
   Email	Email address of the enterprise legal person, to which repayment notifications will be sent. Please enter a frequently used email address.
   Loan Handler
   Name	Name of the loan applicant.
   ID Card No.	ID card No. of the loan applicant.
   Mobile Number	Mobile phone number of the loan applicant.
   Email	Email address of the loan applicant.
   Loan Bank
   Subbranch	Select an ICBC subbranch near you to facilitate subsequent offline business handling.

4. Do the following things at the subbranch.

   Table 2 Things a customer needs to do

   Customer Type	What to Do at the Bank
   Enterprise customer	Enable e-banking and USB key for your corporate account.
   	Provide the following materials for verification of qualification: Business license Account opening permit ID card of the legal person Authorization for credit reference Since bank branches in different regions have different requirements on materials, the specific materials are subject to the specific branch.
   Individual customer	Enable mobile banking and USB key.

5. If you do not have a dedicated bank transfer account, provision a dedicated bank transfer account after your loan authentication is successful.

   For details about how to obtain a dedicated bank transfer account, see How Do I Apply for a Dedicated Bank Transfer Account?.