When applying for ICBC e-loan, you can apply for an ICBC credit card in advance. By using a credit card, the bank will know your repayment ability and spending power, and the probability of applying will increase. But when using a credit card, there must be no overdue repayment.
Try not to have other liabilities when applying for ICBC e loan, because the more liabilities the borrower has, the bank will worry that the borrower will not be able to repay the loan on time. Don't apply for too high a quota and too long a term for the first time to use ICBC e-loan, which will reduce the risk and increase the chances of passing.
There are licensed small loans in the market, such as Du Xiaoman, Zhong 'an Small Loan, 360 IOU, Pat Loan, Foreign Currency Pot, Provincial Loan, Micro Loan, Lending Treasure, Staging Music, Banyan Tree Loan, Jingdong Finance, Ping An Pratt & Whitney, Ma Shang Finance and its bank small loan products, and so on. Several small loan products have been used in business turnover before. In fact, every small loan platform has an internal application entrance, with low interest and easy access. Share it with those in need and scan the QR code below to enter!
When you apply for an ICBC e-loan, you can increase your business contacts with ICBC, such as buying wealth management products launched by ICBC, or storing your usual change in ICBC's bank card, so that ICBC can have a certain understanding of your financial resources and the chances of passing it will increase.
When applying for ICBC e-loan, try to apply online, such as mobile banking, online banking and other channels. The chances of online processing will also increase, and the speed of getting loans will also accelerate. Generally speaking, you can get a loan on the day of online processing.
ICBC Financial E-Loan will calculate the interest according to the number of days actually occupied by the loan, and different users will get different loan interest rates when borrowing. Moreover, after the loan is lent, it can be repaid with the loan, supporting two repayment methods: average principal and equal principal and interest, and some customers support one-time payment of interest on schedule.
It is best to measure your repayment ability in advance to ensure that you can repay on time after borrowing and there will be no overdue repayment. After all, overdue repayment will affect your personal credit information. Bad credit information will affect the handling of various loans.