If you have a U-shield or password device, please log in to the online bank and select the "Favorites-Loan-Apply for Loan-"function to apply for an individual. If it is the first time to apply for a personal loan, you need to open a personal comprehensive loan account according to the prompts ~

Tips:

The application needs to be verified by SMS with a trusted mobile phone number, with a maximum of three contracts per day and a maximum of 15 contracts per month.

(The above contents will be answered by ICBC's intelligent customer service "Gong Xiaozhi" on 0 1.07, 2020. In case of business changes, please refer to the actual situation. )

Conditions and process of ICBC mortgage loan

Personal housing mortgage comprehensive consumption loan refers to the mortgage guarantee provided by the borrower's family (including the borrower and spouse, excluding minor children) and the borrower's (and spouse's) immediate family members (excluding minor children), and applies to China Industrial and Commercial Bank for RMB loan for personal legal and compliant consumption purposes.

Please log in to mobile banking and select the function of "Family-All-Deposit and Loan-Personal Housing Loan" to apply for personal housing mortgage comprehensive consumer loan.

Loan application conditions:

1. A natural person with full capacity for civil conduct, aged between 25 and 60 (inclusive).

2. Regular employees who have a fixed work unit and have worked in this unit for more than one year.

3. Have legal and valid identity certificate and marital status certificate, have a fixed residence at the lender, and have a household registration certificate (or valid residence certificate) at the lender.

4. The customer risk rating assessed by China Industrial and Commercial Bank's retail internal rating system is above Grade C (inclusive), and the loan application score is not lower than the risk control score of the personal consumption loan application score in the local area.

5. Have a good credit record and willingness to repay, and have no bad records in loans from financial institutions such as ICBC.

6. Having a true, stable and reliable first repayment source, and being able to repay the loan principal and interest in full and on time. If the monthly income of the borrower's family is less than 20,000 yuan, the ratio of monthly loan expenditure to disposable income (monthly repayment amount of this loan/monthly disposable income) of the individual or family who intends to apply for a loan shall be controlled below 50% (inclusive), and the ratio of monthly debt expenditure to disposable income shall be controlled below 55% (inclusive). If the monthly income of the borrower's family is more than 20,000 yuan (inclusive), the ratio of monthly loan expenditure to disposable income of the individual or family who intends to apply for a loan shall be controlled below 70% (inclusive), and the ratio of monthly debt expenditure to disposable income shall be controlled below 75% (inclusive).

7. Provide legal, effective and reliable real estate mortgage recognized by the lender.

8. There are clear, legal and compliant loan purposes.

9. Open a personal settlement account in China Industrial and Commercial Bank.

10. Other conditions stipulated by China Industrial and Commercial Bank.

(Answer time: June 22, 2022 10. In case of business changes, please refer to the actual situation. )

What are the conditions for ICBC e to get a quick loan?

The loan terms are as follows:

1. The borrower must be the business owner and individual industrial and commercial households of small and micro enterprises with integrity and personal settlement accounts of ICBC and mobile banking;

2. The borrower is between 18 (inclusive) and 65 (inclusive), and has legal and valid identification and full capacity for civil conduct;

Three, in the local urban areas have high-quality housing property rights and can provide mortgage guarantee;

Four, the borrower's small and micro enterprises must be established for more than one year, and the industrial and commercial registration is normal.

1. What product is ICBC e-Express Loan?

"E-to-fast loan" is an online loan in which the borrower takes high-quality real estate in a specific area as collateral and the loan funds can be used for daily production and operation.

The specific areas include Dalian, Ningbo, Qingdao, Shenzhen and Xiamen. Please consult ICBC customer service for specific areas. It is recommended to pay attention to the local ICBC WeChat official account to understand the situation.

Second, the characteristics of loans

1. The maximum loan amount is about 5 million yuan;

2. 1 ten thousand yuan daily interest is as low as 1.2 yuan (borrow 1 ten thousand yuan a day 1.2 yuan interest);

3. Online self-service application, photo uploading of materials;

4. Real estate online evaluation, completed in 2 to 3 days at the earliest;

5. Pay interest monthly, and repay the principal in one lump sum at maturity (interest first, then principal).

Third, the application process

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android11miui13.

App version: v7.0. 1.2.6

1. Log in to ICBC's mobile APP and click Loan;

2. Choose Xiao Wei e-loan and choose online loan;

3. After the system is automatically approved, the bank accepts the mortgage registration;

4. Log in to ICBC Mobile Banking for self-withdrawal;

5. Pay interest on time every month, and repay the principal in one lump sum when due.

Four. The advantages and disadvantages of ICBC e-fast loan are as follows:

1. Advantages

It has a wide range of users, as long as small and micro enterprises or individual industrial and commercial households can apply. Small and micro enterprises, small and micro enterprise owners and individual industrial and commercial households can apply for loans as long as the borrower is between 18-65 and there is no problem with personal credit information.

The application channel is convenient and fast. To apply for this product, you don't need to provide the running water certificate of the enterprise or business owner, just apply online in the APP. Moreover, the loan interest rate of this product is relatively low, and the interest rate of 4.05% is even lower than the interest rate of 5.05% of ordinary mortgages.

2. Deficiencies

The review conditions are strict. As long as the user applies for ICBC's e-loan, the applicant's conditions need to be reviewed every year. Once the applicant's conditions are not met, the user will not be able to successfully apply for ICBC's e-fast loan.

ICBC's e-fast loan is not suitable for people without real estate, because ICBC's e-fast loan is a loan business that requires users to use mortgage to reach the application amount. After the user successfully applies for this product, the loan amount of this product is only used for production and operation.

ICBC launched ICBC e-fast loan to strengthen policy support for small and micro enterprises. Users can apply online, evaluate online, and also borrow commercial loans for many years. In most cases, they provide support and extend the principal and interest to support small and micro enterprises to tide over the difficulties.

The introduction of ICBC personal online mortgage loan ends here.