Hello, can ICBC lend money in cash?

Yes, but it needs to meet the conditions for the institution to handle personal loan business:

China citizens with permanent residence, fixed residence or valid residence certificate at the place where the loan bank is located, aged 18-65 years old (inclusive) and with full capacity for civil conduct;

Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

Have a good credit record and willingness to repay, and no bad credit record;

Being able to provide legal, effective and reliable guarantees recognized by the bank;

There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions;

Other conditions stipulated by the bank.

To apply for a loan, you need to prepare materials:

Identity cards of both husband and wife of the borrower;

The borrower's household registration book/foreigner needs temporary residence permit and household registration book;

Marriage certificate/divorce certificate or court judgment/single certificate;

Proof of income;

Bank flowing water;

Purchase contract;

Copy of the business license of the unit (with official seal);

Large deposit certificates, etc. ;

If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements;

Other information required by the bank.

The process of handling loans:

The borrower applies for a loan;

Prepare loan related materials;

Account manager loan survey;

Bank approval;

Both parties sign a loan contract;

The execution of mortgage, pledge, unsecured contract or other guarantee contract;

Bank loans;

Post-loan management;

Repay the principal and interest when the loan is due.

I hope the above answers are helpful to you!