I. Introduction
"Easy Finance Link" is a range of ICBC credit facility products available online for addressing the difficulty of online merchants to get funds for their business.
II. Borrower's Conditions
To be qualified, borrowers should meet the following basic conditions:
| Loan Options |
Conditions |
Maximum credit line for one borrower |
| Mortgage/Pledge |
1 year or above of business operation, official member or paid-up member in third-party e-commerce platform |
RMB 5,000,000 (inclusive, the same below) |
| Guarantee |
Joint |
3 years or above of business operation, official member or paid-up member in third-party e-commerce platform for continuous 12 months (inclusive) or longer |
RMB 3,000,000 |
| General |
1 year or above of business operation, official member or paid-up member in third-party e-commerce platform |
RMB 2,000,000 |
| Credit |
3 years or above of business operation, official member or paid-up member in third-party e-commerce platform for continuous 36 months (inclusive) or longer |
RMB 1,000,000 |
III. Advantages
1. Full range of products: A wide range of credit facility products designed for different online merchants, including credit loans, loans under joint guarantee, loans under general guarantee, mortgage or pledge loans.
2. Address the difficulty to get guarantee: Loans are released under credit or joint guarantee provided conditions are met.
3. Easy procedures: All online steps, no need to go to bank.
4. Highly efficient, self-service: Just login Internet Banking to apply.
Responsibility Statement: The contents on this page are for reference only. The ultimate power of interpretation is under the Industrial and Commercial Bank of China Limited. For part of the contents, notice and specific regulations of local branches shall prevail.
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