Conditions for applying for electronic loans:

1. China citizen with full capacity for civil conduct 18 years old or above;

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. According to the regulatory requirements, the related parties of ICBC (ICBC directors, supervisors, managers, credit practitioners and their close relatives) cannot apply for e-loan at present.

Financing e-loan application channels: online banking, mobile banking, smart terminals, ICBC e-life, financing e-link or going to outlets with my valid ID card.

1. Online banking path: full credit card-card -e loan;

2. Mobile banking path: favorite-financing e-loan;

3. ICBC e-life path: enter the function through "I want cash-wealth management e-debit" in the middle of the "Finance" page; Enter the function through the icon area "All-Financial Function-Financing E-Loan" at the top of "Select" or "Up to 800,000 Loans" in the middle of the page.

4.E-link path: e-link path: home page-all business handling-borrowing money.

Whether the loan can be processed, the loan amount and interest shall be subject to the system display or the staff's notification.

(Answer time: July 20th, 20021year. In case of business changes, please refer to the actual situation. )

Application skills of ICBC financing e-loan

Rong e loan is a personal consumption credit loan provided by ICBC, with a maximum of 200,000 yuan and the longest loan term of 12 months. Many people find that applying for e-loan can repay the interest first and then the principal, which can reduce the repayment pressure. But some people don't know how to apply for interest first. Here's how to do it.

How to apply for interest before capital for ICBC Financial E-loan?

Interest before interest is a repayment method of financing e-loan, that is, paying interest on schedule and repaying the principal at one time. Select this repayment method on the application page. Therefore, the borrower must first understand the loan process of ICBC Finance E and follow the following steps.

1. The borrower downloads the latest version of ICBC Mobile Banking on his mobile phone and logs into his personal account after successful installation.

2. Click "Loan" on the home page to enter the loan page, and click "Financing e-loan" for personal credit loans.

3. Enter the e-loan application page, enter the loan amount, loan term, repayment method (one-time repayment of principal), repayment amount and other information to submit the loan.

4. The system will review the borrower's application, and after approval, it will lend the money to the bank card bound by the borrower.

Note that ICBC's e-loan application may not be successful. If you don't want the loan to fail, you'd better do these things well before the loan:

1. Maintain personal credit. The borrower's credit report had better have no bad records such as overdue and too many credit reports. If there is a problem with credit reporting, the e-loan application will be suspended first, and the credit will be improved for a period of time after the bad behavior is terminated.

2. Become a high-quality customer of the bank, and try to deal with ICBC before applying for e-loan, such as saving money in ICBC, using ICBC credit card to repay on time, or becoming a 5-star or above customer of ICBC.

3. Have a stable repayment ability. On the one hand, you should have a stable working income as a source of repayment, on the other hand, you should have a reasonable debt. If the debt is relatively high, it is best to pay off the debt first and reduce the debt before dealing with it.

The above is the relevant introduction of ICBC Financial E "How to apply for interest before interest", and I hope it will help you.

What does ICBC's e-loan mean?

Rong e loan is a personal credit loan brand of ICBC, with a maximum term of 2 years, and some customers can enjoy a maximum term of 5 years. The maximum amount of self-service application is 200,000. After the application is successful, the loan amount will occupy the credit card amount. Please refer to the actual treatment for details.

You can apply through online banking, mobile banking, ICBC e-life and e-finance, or you can apply at any branch of ICBC in different places with your valid ID card, or through the smart terminal of the branch.

Whether the specific conditions are met can be viewed in the application interface, and the loanable amount information can be viewed in the "Current loanable amount" and "Total amount" displayed in the application interface. The actual loanable amount is subject to the final approval result of ICBC.

(Answer time: June 22, 2022 10. In case of business changes, please refer to the actual situation. )

This concludes the introduction of industrial and commercial credit card electronic loan and its application. I wonder if you found the information you need from it?