I. Introduction
"Happy Loan" is ICBC's main Brand of personal loan service; many Consumer Credit Productions share the brand. The loans under this brand include Personal Housing Loan, Personal Auto Loan, Personal Consume Loan, Personal Business Loan and Personal Pledge Loan. "Happy Loans, happiness Loaned", the personal loan service of ICBC will help you to increase the life quality, create your chance for your own business, and enjoy a better life.

☆ "Happy Home" Personal Housing Loan
"Happy Home" Personal Housing Loan is a series of comprehensive, continuous and long-term finance plan. You can choose Personal New Housing Loan, Personal Second-hand Housing Loan, Personal Commercial Housing Loan, Personal Housing Fund Loan, and Personal Housing Portfolio Loan for your own house or real estate investment. The innovation in productions and service of "Happy Home" shows the ICBC concept - "People Oriented" and ICBC always tries its best to make your home "happy".

☆ "Happy Car" Personal Auto Loan
"Happy Car" is the personal auto loan plan for the auto fans. ICBC collaborates with renowned auto manufacturers and dealers to support the requests of auto consumption; it will help you to fulfill the dream of your own car soon.

☆ "Happy Business" Personal Business Loan
"Happy Business" is ICBC's personal business loan which was launched only several years ago. It is mainly for your funding requests in legal business or other reasonable needs. If you are a natural person, an individual industrial and commercial proprietor, an investor of solely-owned enterprise, a partner of a partnership company, or an owner of private company, you are qualified to apply for it. The personal business loan satisfies the funding requests for a natural person, an individual industrial and commercial proprietor, an investor of solely-owned enterprise, a partner of a partnership company, or an owner of private company. It shows ICBC's continuous innovation in Consumer Credit Business, and its excellent service.

II. Seven Features of the service
1. Simple procedure, low customer cost. Layer witness can be exempt from ICBC's personal loan applying procedure. You can make the decision of insurance purchase by yourself while you are applying for the personal loan with house mortgage.

2. High approval efficiency, short pending time. In 5 working days, the loan from ICBC can be got for personal customer, who is qualified with ICBC lending conditions with the effective guarantee and full documentation submitted.

3. Multiple methods to repay, multiple ways of personal financing services. Before the loan is mature, you can choose repayment method from the methods list freely.

4. If you are a customer of "Elite Club Account", preferential interest rate can be provided while you are applying for personal loan.

5. Free Applying Peony Credit Card. As a personal customer, if your loan from ICBC is over RMB 500,000 and repaid for continuous two years without any bad credit record, you will have the priority to get ICBC Credit Card (including Peony International Credit Card, Peony Credit Card, and Peony Quasi Credit Card), and your card's first year annual fee is exempt.

6. "1+3" Personal Loan "Package". As a personal customer, if your loan from ICBC is over RMB 500,000 and repaid for continuous two years without any bad credit record, you can enjoy faster and more convenient services for applying Personal Auto Loan, Personal Consumable Loan, or Personal Business Loan from ICBC. ICBC will simplify the investigation procedure and mortgage valuation to provide better and more convenient service.

7. "1+X" Value-added Personal Financing Services. As a personal customer, if your loan from ICBC is over RMB 500,000 and repaid for continuous two years without any bad credit record, you can become a customer of "Elite Club Account". As a Elite Club member, the fees of some ICBC services, such as inter-city deposit or withdrawal, collection, deposit certificate opening, personal finance agreement signing, and Report of Loss, can be reduced or exempted, besides you can get free value-added mobile phone short message statement service.

(The above is for reference only. Refer to local ICBC branches for details. Please consult local ICBC to save your time.)