The maximum amount of personal credit consumption loans of ICBC generally does not exceed 300,000. The initial amount of ICBC's personal credit consumption loan is 1 1,000 yuan, with the maximum not exceeding 300,000 yuan. The loan amount is calculated according to the comprehensive situation when the user submits the application, and the amount is different for different users.
Warm reminder: ICBC's personal credit consumption loan quota and credit available quota are included in the total personal credit. After applying for ICBC's personal credit consumption loan, the available credit card (debit card) held by the user will be occupied.
How to handle the credit consumption loan of ICBC?
If you have a credit card and debit card (savings card) in ICBC, you can log in to ICBC online banking to apply for personal credit consumption loans.
Personal credit consumption loan
I. Product introduction
Personal credit consumption loans refer to unsecured and unsecured RMB loans issued by our bank to borrowers who meet certain conditions for personal legal and compliance consumption purposes.
Second, the product features
Fast, self-help and fast arrival;
Discount, low rate, the minimum discount period is 4.785%, and the minimum discount period is 6.525%;
Flexible, equal principal and interest, and more support 6-month grace period repayment;
High amount, 600 yuan-300,000 yuan;
Pure credit, no mortgage and no guarantee.
Third, the application conditions
1. China citizen with full capacity for civil conduct, age 18-60 years old;
2. The applicant's work unit or habitual residence should be in the location of the loan issuing institution;
3. Have a fixed job, a stable source of income or a reliable repayment guarantee;
4. Other conditions stipulated by China Industrial and Commercial Bank.
Four. length of maturity
The maximum term of personal credit consumption loan is 2 years, which cannot be extended.
Verb (abbreviation of verb) repayment method
The repayment methods of personal credit consumption loans include:
1. Equal monthly payment (same monthly repayment amount);
2. If the application period exceeds one year (inclusive), you can apply for a grace period. There is no need to repay the loan in the first six months, and the loan interest collected during the grace period ("grace period interest") is repaid in subsequent installments, and the bank calculates compound interest according to the remaining unpaid grace period interest;
3. Repay in advance.
Customers can agree on the repayment method with our bank according to their needs.
The personal consumption credit loan amount is 80% of ICBC's personal credit card amount.
The specific operation is as follows:
Open ICBC Online Banking-Favorites-Loan-Credit Consumption Loan-Apply immediately-Enter, login password and verification code-Login ICBC Online Banking-Fill in the loan amount (not less than 600 yuan)-Select the loan term-Select whether to apply for grace period-Select the loan purpose-Select the collection account-Select the repayment account-Get the verification code-Enter the verification code-Check that I have read and agreed to the Personal Credit Consumption Loan Agreement of Industrial and Commercial Bank of China-Next.
After a few minutes, you will receive a short message, indicating that the loan was issued successfully.
Log in to ICBC Online Banking-Loan-My Loan-My Credit Loan-and you can see the loan contract amount, loan balance-contract status: payment completed.
You can also see the loan balance in this loan account.
You can also log in to Online Banking-Loan-Apply for Loan-Credit Consumption Loan-Apply Now.
After this operation is completed, you can directly click the application result query-query-after receiving the SMS, you can see that the loan has been issued successfully.
What are the personal consumption loans of ICBC _ how to apply?
Personal consumption loan of ICBC
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.
The introduction of ICBC's credit card consumption loan ends here.