ICBC can finance e-loan in two phases! Like a credit card, installment can be negotiated, but it has interest and cannot be interest-free. ICBC just has no interest-free policy at present!
Can ICBC's e-credit line be recovered?
The amount of ICBC e-loan can be recycled, but every time you apply for a loan, you have to go through the examination and approval before you can get the loan amount. Rong E was 18-60 years old when he borrowed money, and he had a fixed job, a stable income source or a reliable repayment guarantee. Users should repay on time after handling, and cannot repay after the deadline.
ICBC can use it to repay E-loan after handling it. When handling loans, it can choose different repayment periods, ranging from the shortest two months to the longest two years, and some customers can enjoy a longer period. The interest generated by the loan is calculated according to the actual loan occupation days, and the user can return it in advance.
ICBC e-Loan can apply for loans through different channels such as mobile banking, online banking, ICBC e-Life app and ICBC e-Link app. Users can also bring relevant information to the bank outlets, and the loans will be received in real time as soon as possible.
ICBC's e-loan can be used for car purchase, home improvement, travel and shopping, but it can't be used in the securities market, futures market and real estate market, can't be used for private lending, and can't be used for matters explicitly prohibited by national laws and regulations. If used illegally, it may be taken back.
Version information: ICBC version 7.10.3.0, ICBC Esheng version 4.10.5, Apple13 (iOS15.3.1system), Huawei Mate 40 (Harmony OS).
E can I borrow it in two installments after it is overdue?
Of course. There is no limit to the number of e-loans. If the account is not overdue and safe, it can be divided into two stages. Rong e loan is a personal consumption loan launched by ICBC for specific borrowers.
How many times can ICBC borrow the e-loan line?
There is no limit on the number of times ICBC Rong E loans, but the loan amount needs to be within the total credit line. E's loan amount is from 600 yuan to 800,000 yuan. Different users get different amounts of money, and different users get different loan interest rates when borrowing. Interest is charged on a daily basis when borrowing money, and repayment can be made in advance.
The shortest loan period of ICBC Finance E is two months, and the longest is generally two years. Some customers can enjoy a longer loan term. Users can choose according to their own income, and they can repay in advance when they have spare money, which can reduce interest expenses and help the next loan.
ICBC's e-loan can be used for car purchase, home improvement, travel and shopping, but it cannot enter the real estate market, futures market and securities market. Before applying for a loan, you must measure your repayment ability and know what kind of income you will use to repay it, so as to avoid overdue repayment.
When applying for a loan, China Industrial and Commercial Bank must be at least 18-60 years old, have full capacity for civil conduct and have good personal credit information; The applicant's work unit or habitual residence should be in the location of the loan issuing institution; Have a fixed job, a stable source of income or a reliable repayment guarantee.
Version information: Take China Industrial and Commercial Bank 7. 1.0.3. 1 version, Apple13 (IOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.