Personal consumption loans refer to loans provided by banks to borrowers for personal consumption, including but not limited to training, travel, wedding, beauty and fitness, study abroad and other purposes. There are many kinds of personal consumption loan products of ICBC, including e-loan, personal home consumption loan, personal car loan, easy loan, personal cultural consumption loan, personal student loan and personal study abroad loan.
Rong e steet
Rong e loan is an unsecured and unsecured loan issued by ICBC to borrowers who meet the loan conditions. The loan amount is between 6 million and 800,000, and the loan period is as short as 2 months and as long as 2 years. Borrowers can choose according to their actual needs. The loan amount can be used for car purchase, decoration, shopping and other purposes, but not for stock trading and private lending. There are currently online and offline processing methods. Online refers to online banking, mobile banking, ICBC e-life APP, and offline refers to bank outlets.
Personal housing consumption loan
Loans are mainly used to decorate and decorate houses, and purchase large-value consumer goods such as house decoration materials and durable consumer goods. The maximum loan amount is 6,543,800 yuan and the longest loan period is 5 years.
Personal car loan
It is a RMB-guaranteed loan issued by Industrial and Commercial Bank of China to customers who apply for car purchase. The maximum loan amount can reach 80% of the car purchase price, and the maximum loan period is 5 years. There are two loan models: direct customers and indirect customers.
Direct customer service: the borrower directly submits the application materials related to the auto loan to ICBC, and the bank signs the loan contract and guarantee contract after the loan investigation and approval. The borrower will go to ICBC's car dealer to buy a car.
Intermodal mode: the borrower buys a car at the special automobile dealer of ICBC, submits relevant loan application materials, and the automobile dealer transfers to ICBC to apply for a loan. After the loan investigation is approved, the bank signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
Dai Yi
Easy Loan is a credit consumption credit service provided by China Industrial and Commercial Bank of China to customers who hold debit cards (or passbooks) and credit cards of China Industrial and Commercial Bank of China. According to certain rules, it can be used by special merchants of China Industrial and Commercial Bank for credit card consumption or online shopping. The loan term can be freely selected from four terms: 6 months, 12 months, 24 months and 36 months, and the loan will be repaid by equal monthly installments.
Personal cultural consumption loan
Loans are mainly used for personal education and training, tourism, wedding, beauty and fitness, club membership activities and other cultural consumption purposes. The maximum loan amount is 6,543,800 yuan, and the longest loan period is 654.38+00 years.
Personal student loan
Personal student loans are divided into national student loans and commercial student loans. The national student loan is applicable to full-time undergraduates, junior college students (including vocational college students), graduate students and students with second bachelor's degree, to ensure that poor students can successfully complete their studies, with a maximum of 6,000 yuan per academic year. The borrower must pay off the loan within 6 years after graduation. The amount of commercial student loans shall be determined by the bank according to the borrower's credit status and the guarantee provided, and the maximum amount shall not exceed 500,000 yuan. The shortest loan period is 6 months and the longest is 8 years.
Personal loan for studying abroad
Personal study abroad loans provided by ICBC are divided into withdrawal-type personal study abroad loans and non-withdrawal-type personal study abroad loans, of which the maximum amount of withdrawal-type personal study abroad loans is 2 million yuan; Personal loan for studying abroad is not available, with the maximum loan amount of 654.38+0 million yuan and the longest loan period of 654.38+00 years.