Bidding conditions
When handling personal pledge loan business, ICBC must become a personal online banking certificate customer.
To handle personal pledge loan business, you must open a personal comprehensive loan account at the counter or online, and hang the loan account, time deposit certificate and other valuable things into your online banking registration card (wealth management account, peony card or peony link card E era).
operation sequence/order
Apply for a loan. Applying for a loan means that a customer applies for a personal pledge loan, and signs a loan contract with the lump-sum sub-account or voucher or book-entry national debt account in the registration card as the pledge. Pledgeable lump-sum term sub-accounts include: passbook-free term all-in-one account associated with smart card, lump-sum term account associated with wealth management gold card, notice deposit account, etc.
Apply for a loan. Applying for a loan means that the bank immediately issues a loan according to the personal pledge loan contract that has been applied online. For a loan contract, you can apply for multiple IOUs, but the total amount cannot exceed the total amount signed in the loan contract.
Advance payment. Early repayment refers to the early repayment of personal pledged loans that have not expired in the online banking application.
Release the mortgage. To release the pledge means to release the pledge of all deposit accounts in the pledged loan contract with the principal and interest repaid.
Loan inquiry. Provide customers with information about inquiring or downloading loan details, loan contracts and IOUs.
Matters needing attention
The foreign currency lump-sum deposit certificate can be used as a pledge account to apply for a pledge loan, and the pledged amount is converted into RMB at the exchange rate of the day.
Personal pledge loans applied online can only apply for online loans; The loan contract signed by online banking self-service can only be used to issue loans to online banking.
The minimum amount of each loan is RMB 654.38+00,000 (inclusive), the maximum amount of a single loan or the total amount of loans from the same customer is RMB 654.38+00,000 (inclusive), and the loan amount shall not exceed 90% of the pledged deposit amount.
Personal pledge loans cannot be extended. After the loan expires, ICBC will automatically deduct the principal and interest of the borrowed funds from the designated repayment account. If the principal and interest of the loan are not repaid in time, and overdue for one month, penalty interest will be charged according to the contract. Loans overdue for more than one month, the pledged deposit is used to offset the loan principal and interest.
The longest term of online personal pledge loan is one year, the loan term is less than or equal to half a year, and the interest rate is half a year. The one-year interest rate is used for more than half a year and less than one year.
Personal pledge loans applied online can be repaid in advance online. If online individuals pledge loans overdue, they can only go to the counter for repayment procedures.
If all the loan principal and interest in the customer's loan contract have been paid off, the pledged time deposit certificate will be automatically released.
You must first become a U-Shield customer of ICBC. Only when the U-Shield status is normal can you use the personal pledge loan function.
Only government bonds without paper vouchers can apply for pledged loans online.