Multiple banks. Different interest rates. Call it a "conflict of interest".

    ICBC Personal Loan

    Established in 1993, ICBC Singapore holds the distinction of being one of the earliest financial institutions to commence their banking operations in Singapore. As a top commercial bank on the island, ICBC functions with utmost prudence, constant innovation, excellent customer service and a dedicated team of experienced professionals. Reiterating the stronghold ICBC has on the Singaporean market, the bank was awarded the Qualifying Full Bank license in 2012 and also chosen as the best RMB clearing bank in Singapore. ICBC is backed by the strong capital, state-of-the-art technology and the extensive network of the ICBC group.

    You’re probably eligible for a ICBC Bank Personal Loan if you are

    ICBC Bank Personal Loan Minimum Age

    Atleast 18 years

     ICBC Bank Personal LoanMaximum Age

    Above 18 Years

     ICBC Bank Personal Loan Eligible Employment Type

    Salaried or self-employed
    with regular income

     ICBC Bank Personal Loan Minimum Income

    Earn more than the minimum
    income required

    Your ICBC Bank Personal Loan amount eligibility is based on these factors

     ICBC Bank Personal Loan Minimum Salary

    No info

     ICBC Bank Personal Loan Maximum Loan Funded

    Maximum allowed personal loan is up to 90% of the value of the security

     ICBC Bank Personal Loan EMI

    EMIs of other loans lower your eligibility

    Increase your eligible ICBC Bank Personal Loan amount by these steps

    ICBC Bank Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    ICBC Bank Personal Loan Tenure

    Choose longer tenure loan up to 3 Years

    Documentation needed to apply for an ICBC Bank Personal Loan

    • 1.Photocopy of NRIC
    • 2. Salaried Employee
      • Latest Computerized Payslip OR
      • CPF Contribution Statement for past 12 months OR
      • Latest Income Tax Notice of Assessment (NOA)
    • 3. Variable Income/Commission Based Earner
      • Latest 6 months Computerized Payslip OR
      • CPF Contribution Statement for past 12 months OR
      • Latest Income Tax Notice of Assessment (NOA)
    • 4. Self-Employed
      • Income Tax Notices of Assessment (NOA) for past 2 years
    • 5.Any other documents as may be requested by the Bank at its sole discretion

    ICBC Bank Personal Loan DetailsUpdated on 23 Sep 2018

    ICBC Bank Personal Loan Details
    Tenure 1- 3 Years
    Max Loan Amount up to 90% of the value of pledged item

    ICBC Personal Pledged Loan

    ICBC makes it very easy for customers to procure personal loans to fulfill their cash requirements during emergencies or to complete a long due family commitment. Customers are required to pledge securities as part of the ICBC personal loan process and the bank will sanction the loan depending on the security provided and the eligibility criteria of the applicant.

    Why choose ICBC Personal Pledge Loan?

    ICBC holds a top position in the banking world in Singapore. It has attractive benefits to offer on its personal pledge loan. ICBC provides you a personal loan that is fast and convenient to fulfil your financial needs. ICBC also provides personalized solutions to specially cater to individual needs of different customers.

    • ICBC does not request any application fees for a personal pledged loan from customers.
    • Making it very convenient to customers, the bank finances up to 90% of the value of the security provided.
    • Personal pledged loans can be availed at very low interest rates by Singaporeans.
    • The tenure for a personal pledged loan can be taken up to a period of 3 years by borrowers.
    • ICBC has a simple loan application and approval procedure, making sure that customers do not face any hassles while applying for a personal loan.

    ICBC Personal Loan Eligibility

    ICBC mandates that all applicants fulfill the following criteria while applying for a personal pledged loan.

    1. Singaporeans must be 18 years or above when they apply for a personal loan from ICBC.
    2. The individual is also required to hold a current account with ICBC Singapore while applying for a personal loan.
    3. The purpose of availing the personal loan must be explicitly stated by the customer in the application form.

    Documents Required

    • All applicants must submit valid identity cards or passports along with the loan application form.
    • If the pledged security is provided by a third party, then the bank requires the identity card of the third party to be furnished.
    • Applicants need to submit a certificate of ownership for the security they have pledged with the bank.
    • In cases of security provided by third parties, a written consent from the concerned party is to be submitted to ICBC.
    • A duly signed agreement document from the applicant is compulsory for a personal pledged loan to be sanctioned by ICBC.


    Q. How can I calculate my EMI for ICBC personal pledge loan?

    A. You can use the calculator available on to calculate your EMI payments for personal loans. Simply enter your loan details of amount, tenure and interest payable, and the calculator will generate your EMI amount.

    Q. What is the maximum loan tenure I can avail?

    A. The maximum loan tenure available is three years.

    Q. What loan amount am i eligible for?

    A. You are eligible for up to 90% of the value of the security provided.

    Q. What is the minimum age at which one can avail of ICBC personal pledge loan?

    A. You must be at least 18 years old.

    Q. Do I have to have an account with ICBC to apply for a personal pledge loan?

    A. Yes, you must have a current account with ICBC in order to be eligible to apply for a personal pledge loan.

    News About ICBC Bank Personal Loan

    • Singapore Investment Firm Temasek Raises Stake in ICBC Bank

      Temasek, the Singapore based investment firm, has raised stake in the Industrial and Commercial Bank of China (ICBC). The investment firm has aggressively invested in many banks in China, the second largest economy in the world. Temasek spent 141 million Hong Kong Dollars to purchase 30 million shares of the bank at an average of 4,696 Hong Kong Dollars per share. ICBC is the largest bank in the world but its valuation saw a record decline during the recent decline in the stock market of China.

      The spokesman of the Singapore based investment firm stated that they are very confident about the long term performance of the Chinese economy and so they decided to expand their investment portfolio in the country. This is not the first time that Temasek has investment in this Chinese bank. In fact, they have been holding stocks of the bank for the last 4 years. The company increased its exposure to the Chinese economy by 27 percent within a period of one year. The broad portfolio of the investment firm now includes technology companies, insurance companies and insurance companies. In the last few years, Singapore based investment firms have invested aggressively in China.

      24th September 2015

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.