Method: 1. Establish contact with ICBC

Before applying for e-financing loan, you can handle other business with ICBC first, such as large fixed term, investment and financial products, etc., so that you can ICBC understands borrowers more comprehensively in order to improve the success rate of loan applications! Of course, you can also apply for a credit card, maintain good card usage behavior, and leave a certain credit record with ICBC, which will also be very helpful for the result of loan application.

2. Control the number of loan applications

Before applying for ICBC e-loan, you can avoid applying for other loan products, especially pure credit loans, and you must also settle your name Some loan products are available in order to reduce your debt ratio and apply for a loan with a lower debt status, which will have a higher success rate. In addition, everyone should also pay attention to their monthly income and be sure to keep the monthly income twice the debt, otherwise the loan application is likely to be rejected.

3. Reduce the loan application amount

ICBC will not approve the loan without a certain repayment ability. Therefore, if you want to successfully apply for a loan, you must have a strong repayment ability and show it to the bank, so as to dispel the bank's concerns. On the other hand, if the user does not have strong repayment ability, he or she can lower the loan application amount. If the loan application amount is lower, ICBC's requirements for the user will be lower, thereby achieving the goal of successful loan application.

4. Choose the appropriate loan application channel

When applying for ICBC e-loan, the editor recommends that you try to use online channels, such as mobile banking, online banking, etc. There are currently many channels for applying for loans, and the biggest difference between online and offline is the loan application rate. Generally speaking, the online loan application rate is higher than offline. Therefore, in order to successfully apply for e-financing If you want to borrow money, you can consider applying for a loan through offline channels.

In addition to the above tips, everyone should also pay attention to changes in loan policies when applying for a loan. If you apply when the loan policy is relatively loose, the success rate will be higher. Not only do you need to do more business with ICBC, such as loans, credit cards, investment, financial management, insurance, etc., but you also need to occasionally buy something from the ICBC online mall. Doing so also supports the bank and means that you have a certain desire to consume.