The interest rate of ICBC e-loan shall be subject to the implementation of each branch. You can check the specific interest rate through online banking, mobile banking or business outlets. Sometimes ICBC will provide corresponding preferential treatment, for example, high-quality credit card customers can enjoy the interest rate discount of financing E, and the annual interest rate is as low as 4.875%.

The term of ICBC e-loan is generally 2 years, and the longest is 5 years. Suppose someone borrows 5000 yuan and repays it after 20 days, and the daily interest rate of the loan is 0.02%, then the interest to be paid when repaying is 5000×0.02%×20=20 yuan.

E-loan for industrial and commercial finance refers to a loan product launched by Industrial and Commercial Bank of China, but it must be issued to borrowers who meet certain conditions when applying. The maximum amount from 600 yuan is 800,000 yuan, and the amount can be recycled. The loan term is generally 2 years, and the longest is 5 years. There is no mortgage, no guarantee and pure credit when handling, and different users get different credit lines.

Users can choose the repayment method and time according to their own income when handling loans. The repayment method supports four repayment methods: matching principal and interest, average capital, one-time repayment of principal and interest on schedule and one-time repayment of principal and interest, and supports early repayment. Repayment cannot be overdue, otherwise there will be a penalty interest.

When applying for e-loan, you can apply through online banking and mobile banking "one-click loan" and business outlets. The requirements for the application include that the borrower 18-60 years old and has full capacity for civil conduct; The applicant's work unit or habitual residence should be in the location of the loan issuing institution; Other conditions stipulated by China Industrial and Commercial Bank.

The loan applied for by Ronge Loan can be used for car purchase, home improvement, tourism, shopping and consumption, but it is not allowed to enter the securities market, futures market, equity investment and real estate market, and it is not allowed to be used for private lending. It should be noted that overdue repayment of e-loan will lead to the deterioration of personal credit information.

Rong e loan has the following advantages:

Interest rate concessions: e-loan will bear interest on a daily basis. At present, e-loan 10000 yuan (one year), and the minimum daily interest is less than 1 yuan.

Revolving credit: it can be repaid with the loan and repaid in advance. Support average capital and equal principal and interest, and some customers support paying interest on schedule and repaying the principal at one time.

Flexible term: the shortest loan term of Rong E is two months, and the longest is generally two years. Some customers can enjoy a longer term. You can flexibly choose the number of loan periods within the longest loan period.

Better experience: no mortgage, no guarantee, pure credit, self-service application up to 200 thousand.

Convenient application: You can handle it yourself through various online channels such as ICBC e-life, e-finance, e-finance and online banking, or you can handle it at our business outlets, and the loan will be received in real time as soon as possible.

Is the annual interest rate of 3.75% for ICBC Wealth Management E-loan high?

Hello, the annual interest rate of 3.75% borrowed by ICBC Financial E is relatively high, which is higher than that of other financial institutions in the market. Ronge Loan is an online consumer financial product launched by ICBC, with high interest rates ranging from 3.75% to 7.5%. The specific interest rate depends on your credit rating. In addition, Ronge Loan also provides a minimum 200 yuan loan and a maximum loan of 50,000 yuan. You can choose the appropriate amount according to your own needs. In short, the annual interest rate of 3.75% borrowed by ICBC Financial E is relatively high, which is higher than other financial institutions in the market. You can choose the appropriate amount according to your own needs.

How much is the interest on e-loan?

Interest on electronic borrowing

When handling business, you can check the specific loan interest rate through online banking, mobile banking and business outlets. From now until June 30th, 20 17, the expected historical interest rate of ICBC's e-loan is 1 year loan 5.22%, and 1 year loan 5.7%.

short-term loan

Short-term loans of ICBC (Finance) e-loan refer to products with loan terms of 6 months and 6 months to 1 year, and the expected annual historical interest rate of short-term loans is 4.35%.

medium and long term loans

The medium-and long-term loans of ICBC-Ronge refer to products with loan terms of 1 to 3 years, 3-5 years and more than 5 years, in which the annual expected historical interest rate of 1 to 3 years and 3-5 years is 4.75%, and the annual expected historical interest rate of loans with more than 5 years is 4.9%.

How much is the interest of ICBC e-loan

The e-loan interest rate of ICBC Finance is calculated according to the latest LPR quotation in the loan market and updated once a month. The minimum annual interest rate is 4.35%(LPR0.5%). Because the interest rate is different, the specific loan interest rate of each person should be based on the actual display at the time of handling.

Two. Interest-bearing method and repayment method of ICBC e-loan.

ICBC's e-loan can be repaid in advance at any time according to the number of days actually occupied by the loan principal balance. There are three repayment methods: average capital, matching principal and interest, and repayment of principal at one time on schedule.

3. What's the interest on ICBC's e-loan of 50,000 yuan?

According to the feedback, the annual interest rate of most users of ICBC Financial E is around 5.76%. Assuming that the loan is 50,000 yuan, 1 year, then:

1, average capital

Total interest = 1.560 yuan, total principal and interest = 5 1.560 yuan, the repayment in the first month = 4,406.67 yuan, and then the repayment amount decreases by 20 yuan month by month until the repayment in the last month = 4 1.86.67 yuan.

2. Equal principal and interest

Total interest = 1573.69 yuan, total principal and interest =5 1573.69 yuan, and monthly repayment = 4,297.5438+0 yuan.

3. Pay interest on schedule and repay the principal at one time.

Total interest =2880 yuan, total principal and interest =52880 yuan, monthly repayment1-1= 240 yuan, repayment 12 =50240 yuan.

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.

Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Spend a little money-pay special attention if you have money:

1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.

2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.

Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. Make sure to mention it first.

My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.

360 IOUs, with a maximum loan of 200,000!

Click online measurement

There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.

The third is that Ping An Bank can borrow up to 500,000 yuan in new loans (fast loans)! 0 mortgage 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply for a monthly income of more than 4,000 yuan (provident fund, mortgage, and insurance policy are all available).

Ping An Xin Yi Dai Click Online Measurement

How to calculate the interest of ICBC e-loan?

ICBC Rong E lends you 1- 12 months, with an annual interest rate of 5.22%; If you borrow 13-24 months, its annual interest rate is 5.7%.

In other words, if you borrow 65438+ 10,000 yuan a year, then the interest it generates is 100000×5.22%=5220 yuan; If you borrow 654.38+ten thousand yuan for two years, the interest it generates is100000× 5.7 %× 2 =10400 yuan.

This is the end of the introduction of loan interest rate, e-loan and e-loan annual interest rate. I wonder if you have found the information you need?