The "deposit-loan link" service is a value-added service specially launched by China Industrial and Commercial Bank for mortgage and other loan customers, which can achieve the effect of "combination of deposit and loan". There are three main benefits: 1, which improves the capital income and allows customers to enjoy the excess income of loan interest rate while obtaining current interest; 2. Enhance the liquidity of funds, so that customers can reserve certain funds for turnover or cash management; 3. Let customers enjoy the low interest rate discount of mortgage for a longer period of time.
Two, how to realize the value-added benefits of the "deposit and loan" business?
For example, a customer has signed a "deposit-loan connect" business agreement, and there is 1 housing mortgage loan with a balance of 500,000 yuan in its name, with a deposit balance of 350,000 yuan, and the value-added income is as follows: no deduction is made for deposits below 50,000 yuan, 80% for loans above 50,000 yuan, and the deduction amount is 5 * 0%+30 * 80% = 240. (This case is for use only.
It is worth mentioning that ICBC's "deposit and loan connect" business has designed a more humanized "daily deduction method". If the customer's deposit exceeds the deduction limit on any day in the agreement, it will generate value-added income on that day!
3. What are the requirements for the deposit-loan service? Is the procedure complicated?
1. If the following conditions are met, the customer can handle it:
The first category is one of the mortgage loans for housing, commercial housing and second-hand housing in ICBC. At present, the loan balance is more than 654.38 million yuan, the remaining loan term is more than 12 months, and the loan form is normal.
The second category is operating loans in ICBC. At present, the loan balance is 6,543,800 yuan, the remaining loan period is more than 6 months, and the loan form is normal.
2. The procedure is very simple, as long as the customer carries valid identity documents and related bank cards, it can be handled at the relevant outlets of ICBC.