Most of ICBC's e-loan applications are systematically reviewed, not manually reviewed. The main form of manual audit is telephone return visit. Moreover, manual audit will delay a long time, thus affecting the bank's lending time. Due to e-loan, it is rejected every second and audited by the system.

product information

1. Limit: up to 800,000 yuan (self-service channels such as mobile banking/online banking can apply for up to 300,000 yuan, and more than 300,000 yuan needs to be handled at the counter of business outlets);

2. Interest rate: as low as 4.35%;

3. Duration: up to 3 years;

4. Repayment method: interest can be paid on a daily basis.

Application conditions

1. Age: 18-60 years old;

2. Applicable people:

① ICBC credit card customers;

(2) customers with provident fund deposits (opened in some cities);

③ Social security deposit customers (opened in some cities);

(4) ICBC pays payroll customers;

⑤ ICBC housing mortgage loan stock customers.

3. Credit requirements:

(1) The credit record is good and there are no defects.

Access area

Open city of provident fund:

Tianjin; Chongqing; Shenyang; Ningbo; Xiamen; Yinchuan; Qinghai; Dehong (Yunnan);

Hebei: Baoding, Cangzhou, Handan, Hengshui, Tangshan and Xiong 'an;

Shanxi: Jincheng, Changzhi;

Jilin: Yanbian, Changchun

Heilongjiang: Daqing, Hegang, Jixi, Jiamusi, Mudanjiang, Qitaihe, Qiqihar, Shuangyashan and Suihua;

Jiangsu: Changzhou, Nanjing, Suzhou, Wuxi, Xuzhou, Yangzhou and Zhenjiang;

Shandong: Qingdao, Binzhou, Zibo, Dezhou, Jinan, Jining, Liaocheng, Rizhao, Tai 'an, Weihai, Weifang, Zaozhuang and Laiwu;

Henan: Nanyang, Zhengzhou;

Hubei: Jingzhou, Suizhou, Xianning, Qianjiang and Xiangfan;

Hunan: Changde, Chenzhou, Hengyang, Loudi, Xiangtan, Xiangxi, Yiyang, Yongzhou, Yueyang, Zhangjiajie, Changsha and Zhuzhou;

Guangxi: Baise, Chongzuo, Fangchenggang, Guilin, Liuzhou, Nanning, Qinzhou and Hezhou;

Sichuan: Bazhong, Deyang, Guang 'an, Guangyuan, Leshan, Liangshan, Luzhou, Meishan, Mianyang, Neijiang, Panzhihua, Suining, Ya 'an, Yibin, Ziyang and Zigong.

Guizhou: Anshun, Bijie, Duyun, Guiyang, Kaili, Liupanshui, Tongren, Xingyi and Zunyi;

Shaanxi: Baoji, Hanzhong, Tongchuan and Yulin;

Gansu: Lanzhou, Tianshui, Zhangye and Linxia;

Social security open city:

Hebei: Shijiazhuang;

Shanxi: Datong, Jincheng, Jinzhong, Lishi, Linfen and Shuozhou; Taiyuan, Xinzhou, Yangquan, Yuncheng and Changzhi;

Shandong: Binzhou, Dongying, Heze, Yantai, Zaozhuang and Zibo;

Shaanxi: Ankang, Shangluo, Weinan, xi 'an, Xianyang and Yan 'an;

Sichuan: Yibin;

Yunnan: Banna, Baoshan, Chuxiong, Dali, Dehong, Diqing, Honghe, Kunming, Lijiang, Lincang, Nujiang, Qujing, Simao, Wenshan, Yuxi and Zhaotong;

Is there a telephone audit for ICBC financial e-loan?

1. ICBC Financial E-loan will be audited by telephone, but he will not audit every customer by telephone, but only some customers with problems.

2. ICBC's e-loan is a credit provided by ICBC for high-quality customers with good credit, so if you want to apply for ICBC's e-loan, I suggest you use ICBC's card more, especially ICBC's credit card when shopping, and repay on time to improve your credit rating; Buy more wealth management products of ICBC to improve the bank's goodwill towards customers. All these will help you open an electronic loan.

Want to know more information about ICBC e-loan, is there a telephone audit? Go to: See more.

Does ICBC e-loan have a telephone call back? Will ICBC e-loan pass the telephone audit?

What is the interest rate of ICBC e-loan? List of preferential interest rate policies for electronic loan financing of Industrial and Commercial Bank of China

According to the introduction of successful e-loan users of industrial and commercial finance, the loan application was submitted in the afternoon and received directly the next morning. There is no audit call, and the approval and payment are quite rapid.

However, some users said that if there is no ICBC credit card, there will usually be a telephone to verify the information.

E Finance will ask the applicant to fill in the contact information and basic information of the company when submitting personal data, but in most cases, it will not pay a return visit, just to ensure that the user has a stable job and income source.

Can ICBC borrow E to call the company?

ICBC Rong E Loan will not call the company. ICBC Rong E Loan will have a telephone audit, but he will not conduct a telephone audit on every customer. Only for some customers with problems, he will usually call your contact.

ICBC's e-loan is a credit loan provided by ICBC for high-quality customers with good credit. Therefore, if you want to apply for ICBC's e-loan, I suggest you use ICBC's credit card more, especially ICBC's credit card (debit card) when shopping, and repay on time to improve your credit rating. Buy more wealth management products of ICBC to improve the bank's goodwill towards customers. All these will help you open an electronic loan.