English Chinese translation sample- Happy Loans, Happiness Loaned

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

Branding - Happy Loans, Happiness Loaned
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.
品牌诠释--幸福贷款，贷来幸福
　　一、品牌简介
　　“幸福贷款”是工行个人贷款服务的总品牌名称，涵盖了个人住房贷款、个人汽车贷款、个人综合消费贷款、个人经营贷款、个人质押贷款等多种个人信贷产品。工行个人贷款服务以“幸福贷款，贷来幸福”为宗旨，致力于提供优质、高效的信贷服务，满足您的融资需求，帮助您提高个人生活品质，开创事业和生活的美好未来。

☆ "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".
　　☆幸福之家
　　“幸福之家”个人住房贷款系列产品，为您打造综合性、连续性、长久性的融资服务方案。当您置业或投资不动产时，您可选择一手房个人住房贷款、二手房个人住房贷款、个人商用房贷款、个人住房公积金贷款及组合贷款等产品和服务，通过银行融资提升您的生活品质，借助幸福贷款实现您的幸福梦想。“幸福之家”在产品、服务方式等方面的创新，充分体现了工商银行“以人为本”的经营理念，使“幸福”真正走入您的家中。

☆ "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.
　　☆幸福快车
　　“幸福快车”是工行与知名汽车生产企业、特约汽车经销商联手打造，面向 “爱车族”提供的个人购车融资方案。“幸福快车”个人汽车贷款有力地支持了社会大众的汽车消费需求，帮助众多居民早日实现“购车”梦想。

☆ "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.
　　☆幸福立业
　　“幸福立业”是近年工行推出的个人经营贷款业务，旨在满足借款人合法生产经营过程中所需资金及其他合理资金需求。个人经营贷款所满足的借款主体包括自然人、个体工商户、个人独资企业投资人、合伙企业合伙人以及私营企业主等。个人经营贷款的推出，较好的满足了自然人、个体工商户、个人独资企业投资人、合伙企业合伙人和私营业主合法生产经营所需的资金需求，体现了工行消费信贷业务坚持不懈、努力创新、竭诚为客户服务的工作理念。

II. Seven Features of the service
1. Simple procedure, low customer cost. Lawyer 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.
　　二、七大服务特色
　　1. 手续简单，客户贷款成本低。客户在工行申请个人贷款时，可免除律师见证环节；客户以房产抵押担保方式到工行申请个人贷款时，可就购买保险事宜自主进行选择。

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.
　　2. 贷款审批效率高，客户等待时间少。在落实合法有效担保手续的前提下，对符合工行贷款条件、且贷款申请资料齐备的个人客户，工行贷款在5个工作日内发放到位。

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.
　　3. 还款方式更丰富，客户理财选择多。在贷款期限内，客户可在工行现行还款方式中进行自由选择。

4. If you are a customer of "Elite Club Account", preferential interest rate can be provided while you are applying for personal loan.
　　4. 如果您是“理财金账户”客户，在办理个人贷款时，可享受同类贷款许可的利率优惠。

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.
　　5. 免费办理牡丹信用卡。在工行贷款金额50万元以上，且连续两年正常还款、无不良信用记录的个人客户，可优先申请工行信用卡（包括牡丹国际信用卡、牡丹贷记卡、牡丹准贷记卡），并免除一年年费。

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.
　　6. “1＋3”个人贷款“套餐”。在工行个人住房贷款金额50万元以上，且连续两年正常还款、无不良信用记录的客户，再次向工行提出个人汽车贷款、个人综合消费贷款、个人经营贷款申请时，工行将简化贷款调查和抵押物评估手续，为客户提供更方便快捷的优质服务。

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.
　　7. 提供“1＋X”个人理财增值服务。在工行贷款金额50万元以上，且连续两年正常还款、无不良信用记录的个人客户，可成为工行“理财金账户”客户，享受在工行异地存取款、托收、开立存款证明、签订个人理财协议、账户挂失等业务费用减免，并可获得免费短信账单服务。