Calling the loan bank for confirmation information is generally the process of going to the bank for approval. The general loan application is submitted by the developer to the bank, and the bank undertakes the examination and approval of the loan qualification. The approved loan shall be examined and approved by the bank, and the mortgage shall be followed up.
Please check the loan approval progress of China Industrial and Commercial Bank in the following ways:
1. Computer use: Please log in to ICBC Online Banking and select the function of "Collection-Loan-My Loan-Loan Application Result Query"; Windows7
2. Mobile phone use: Please log in to ICBC Mobile Banking and select the function of "Collection-Loan-My Loan-Query Loan Application Result".
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Tip:
If the loan materials you submit are complete and meet the loan conditions of China Industrial and Commercial Bank, you can generally complete the loan approval within 2 working days. The specific lending time is subject to the actual situation. For specific consultation, you can contact the loan handling outlets.
1. What is the longest term of ICBC's personal housing mortgage comprehensive consumer loan?
The term of housing mortgage loan depends on the purpose of repayment:
1. If a house is purchased with a mortgage loan, the first-hand house loan shall not exceed 30 years, and the borrower and loan term shall not exceed 70 years; The longest loan for commercial housing shall not exceed 10 year, and the longest term of the borrower and loan shall not exceed 70 years; The sum of the second-hand housing loan term and fixed number of years shall not exceed 35 years, the longest loan term shall be 30 years, and the borrower and loan term shall not exceed 70 years; The term of the Commodity House is the same as that of the Commodity House.
2. For enterprises, the longest loan period is 5 years.
Two. How long does it take ICBC to approve the mortgage?
After approval, we will usually call you back within 3 working days, and then the bank will call you and tell you when to go to the Housing Authority for mortgage registration, and then the mortgage bank will lend you your collection card within 2 working days.
Three. The loan process is as follows:
The term of mortgage or mortgage loan is usually one month. If there are many bank borrowers, the application time may be delayed to one and a half months or even two months.
Loan preparation materials: the lender's (husband and wife's) ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license, land certificate, and the bank's credit investigation on the lender (husband and wife).
After the data is submitted to the bank, the risk control department of the bank will pay a return visit. Call back is usually a company fixed phone or personal phone.
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ICBC Loan Telephone Manual Customer Service
The telephone number of ICBC loan manual service is 95588.
Call ICBC customer service hotline 95588 to directly transfer to personal loan service, which is also ICBC's comprehensive service hotline. General consulting business and handling business can be carried out through this phone. If you want to apply for a loan, you can consult the materials you need to prepare first, and then fill out the application form at ICBC outlets to apply for a loan. When making this call, first select the business to consult according to the voice prompt. If you need to transfer the manual customer service call, please call first, wait for the voice broadcast for a while, then press "9", and then select the corresponding service according to the prompt to connect the manual customer service of ICBC. Please note that if there is no answer, the system may be busy. It is recommended to dial later. So, if you want to apply for a loan in China Industrial and Commercial Bank or know the relevant loan information, you can call this number for consultation. In addition, you can learn about the loan information through ICBC's online banking, and you can also apply for a loan online.
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Matters needing attention in handling loans
1. Loan amount: When applying for a loan, the applied amount should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment. The loan amount should be reasonable. Be sure to make a budget before applying for a loan. The loan amount can be increased by 10% on the basis of the budget. If you exceed this limit, you may have to pay for your irrationality. Ask the total interest of the loan. Zero interest rate is not equal to zero interest, so don't confuse the two. The so-called zero-interest loan products generally transfer interest to fees, guarantees and other items. After careful calculation, it is not necessarily cheap.
2. Loan information: The borrower must ensure that the information it provides to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan. Confirm whether the materials are ready. Collect four sets of loans: copy of personal ID card, work certificate, punch card salary and personal credit report, and you can almost summon the credit manager. And determine whether you meet the loan application conditions, including age, work place and working years in this unit, income requirements, credit status, occupation or industry restrictions and so on. If these six elements are up to standard, you can apply with confidence.
3. Purpose of the loan: When filling in the purpose of the loan, the borrower should write down the purpose of the loan frankly and clearly, which will make it easier to pass the examination. That is, the use of loans should be in compliance. If you are going to gamble and gamble, the bank will definitely avoid you. And if you use it for stock trading, futures trading and wealth management products, these banks are also not allowed.
What is the manual customer service telephone number of ICBC credit card (debit card)?
ICBC credit card (debit card) manual customer service telephone number is:
1, 95588(24-hour national service hotline), press "1" to select Chinese, then press "6" to select credit card (debit card) service, and then press "9" to enter manual service;
2.400-669-5588(24-hour VIP service line). The VIP service line is only open to customers with platinum cards, wealth cards, wealth management cards and credit cards (debit cards).
Both of the above two service hotlines can handle credit card (debit card) business, just choose one to dial.
China Industrial and Commercial Bank Auto Loan Telephone
The customer service telephone number of auto finance is 035-3622-2678.
Auto finance means that when consumers need a loan to buy a car, they can directly apply for preferential payment from auto finance companies, and they can choose different models and different payment methods according to their personal needs.
Since the "Administrative Measures for Auto Finance Companies" was officially implemented on August 8, 2004, China's auto finance market has experienced a development course of 14 years.
During this period, China's automobile sales increased by nearly 300%, but the automobile financial penetration rate only doubled, far below 70-80% of foreign consumption.
Extended data:
Financial model:
Replacing "selling" with "renting" is also a kind of automobile financing lease. It first appeared in the United States, and now it has become the mainstream of American auto financial services. He is different from the traditional financial loan to buy a car. He rented the car to a customer, and the ownership of the car belonged to the auto financing company at that time. After the lease expires, the ownership of the car belongs to the customer. The advantages of this auto finance are as follows:
(1) Packaged leasing lowers the threshold for car purchase. Chuangfu Auto Finance takes the naked car payment, purchase tax, license fee, insurance and other taxes and fees as the installment payment object. Customers only need to pay 20% of the total amount as the deposit and 1% of the handling fee within one year to get the right to use the vehicle, and the 20% deposit will be returned after the lease term ends.
(2) Rent is a kind of expense to provide VAT invoices for enterprises. It can be used as a voucher for reimbursement of car stickers and also as a basis for enterprise accounting.