The bank launched a consumer loan product that uses real estate as collateral to provide eligible individual customers with online self-service and recurring use.

If you successfully apply for and obtain a loan amount of 300,000 yuan: Confirm the purpose. First, you need to clarify the purpose of the loan, which must comply with the scope specified by the bank, such as decoration, purchase of large consumer goods, education, Medical treatment, etc., cannot be used to invest in real estate, stock market and other non-consumption fields.

Reasonable planning: Based on your own economic situation and repayment ability, formulate a reasonable loan use plan and repayment plan to ensure that you can repay principal and interest on time and avoid overdue effects on your credit record.

Repay on time: Repay every month according to the repayment date and amount agreed with the bank. Automatic deductions can be set to prevent forgetting or delaying repayment.

Loan management: Keep an eye on the loan balance, repayment status and other information at any time. You can check it through ICBC online banking, mobile banking or at any branch.

If there are special circumstances that prevent you from repaying on time, you should contact ICBC promptly to explain the situation and see if you can apply for deferred repayment or other solutions to avoid overdue penalty interest or impact on your personal credit.

In short, after obtaining a loan, you should use it rationally, perform your repayment obligations in strict accordance with the contract, and maintain a good credit record.