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;