The conditions for ICBC to apply for e-loan include: the applicant has a fixed job, a stable income source or a reliable repayment guarantee, a good credit rating, and his age is 18-60 years old.
1. Good credit: If the credit is tainted, it is likely to be rejected. When applying for an electronic loan from China Industrial and Commercial Bank, you need to check your personal credit, so please remember to maintain your credit record.
2. Personal financial assets: These are also very important reference materials for ICBC's wealth management, investment, insurance and other businesses.
3. ICBC Credit Card: We know that the gold content of ICBC Credit Card is very high. If the credit card is used well and the credit limit is high, the success rate of applying for a loan can be improved. However, it needs to be clear that holding an ICBC credit card may not be able to apply for e-loan, and even if there is a credit card, it is impossible to apply for e-loan with insufficient credit line, because ICBC credit card and e-loan share * * *.
4. Professional units: The white list system is adopted for financing e-loans, and high-quality customers such as civil servants, institutions and large state-owned enterprises are more popular. If you belong to these institutions and high-quality enterprises, but not in the white list, you can bring relevant information to the local branch to submit, which is equally effective.
5. ICBC Debit Card: There must be a debit card of ICBC, and the debit card cannot be bound to a securities investment account. You can choose to change a debit card and reapply.
6. Age 18-60 years old; The area meets the application requirements; The applicant's work unit or habitual residence must be in the location of the loan issuing institution to apply. If the geographical location does not meet the requirements, the application is not supported.
7. Have a fixed job, a stable source of income or a reliable repayment guarantee: ICBC can only lend money on the premise of ensuring the safety of funds. If the applicant's qualification is low and the repayment is not guaranteed, he can't apply for a loan.
ICBC Financial E mainly includes four conditions for personal loans.
When you need to choose a loan, you usually go to the bank first. ICBC Financial E-loan is the opening of ICBC's small loan, and the homonym comes from "Easy Loan", so the loan threshold is definitely lower. Let's introduce it in many ways.
ICBC e-loan refers to unsecured and unsecured RMB loans issued by Industrial and Commercial Bank of China to borrowers who meet certain conditions for personal legal and compliance purposes. The loan term is 2-60 months, and the daily interest rate of the loan is less than 1 yuan.
ICBC Rong E applies online for the whole process, and the maximum amount does not exceed 800,000 yuan. The approval of the quota mainly depends on the qualifications of the borrower. The higher the qualification, the greater the loanable amount. So if you want to get a lot of credit, you should accumulate more credit to deal with ICBC.
There are three main channels for ICBC to apply for e-loan, namely online banking, mobile banking and bank counters, from which specific loan interest rates can also be found. ICBC's online banking operation: after logging in, select Online Loan-Apply for Loan-Apply Now. If you meet the requirements, you can query the "current maximum loan amount" and follow the prompts on the webpage.
Personal loan conditions of ICBC Finance E: 1. China citizen with full capacity for civil conduct, aged 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.
ICBC will make an evaluation according to the comprehensive situation of customers. Generally speaking, the better their credit status, the greater the chances of getting approval and the easier it is to get a high quota. In addition to paying attention to maintaining good personal credit, customers can also prepare more wealth management income information such as large deposit certificates to ICBC when applying, which will help improve the chances of loan approval.
In terms of repayment, ICBC securities lending supports two repayment methods, namely, average principal and equal principal and interest, and some customers can repay the principal and interest in one lump sum on schedule. Customers log on to the online bank and make repayment through "online loan"-"personal credit consumption loan".
The above is the relevant loan information about ICBC Finance E, after all, it is a bank loan. If it is a qualified small loan, it will be repaid soon. If the qualification is poor or the amount is large, the approval time will be longer.
China Industrial and Commercial Bank electronic loan conditions
1. The applicant is between 18-60 years old.
2. Mainland residents with valid identity cards.
3. The applicant must be one of ICBC credit card users, ICBC payroll customers, ICBC housing mortgage loan stock customers and provident fund deposit customers.
Four, the user's personal credit information is in good condition, and there is no overdue or three or more overdue within six months. There are no more than 6 credit inquiry records in the past two months, and there are no bad debts, bad debts, payment suspension, freezing and write-off of credit cards and loans.
Five, the applicant has a stable job and income, and has the ability to repay the loan principal and interest on time.
Six, there is a clear and legal purpose of the loan. Loan funds cannot be used for wealth management (including stock trading, bonds, Public Offering of Fund, trust, etc.). ).
Note that not all credit card customers can apply for e-loan, only users in the white list can apply. General civil servants, institutions, large state-owned enterprises and other high-quality customers will be given priority, and users can log in to mobile banking to check whether they are on the white list.