1, age 18-60 years old;
2. The area meets the application conditions, and the applicant's work unit or habitual residence must be in the location of the loan issuing institution before applying. If the geographical location does not meet the requirements, the application is not supported;
3. Have a fixed job, a stable source of income or a reliable repayment guarantee;
4. ICBC Financial E-loan will only be made 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.
Apart from what conditions ICBC needs for e-loan, I think what everyone is most concerned about is how much interest ICBC needs for e-loan, and is it expensive? Here is an introduction.
It is understood that from now until July 30, 20 17, the interest rate of ICBC e-loan 1 year is 5.22%, and the interest rate of loans above 1 year is 5.7%. If the loan is 1 000 yuan, the daily interest is about 1 yuan.
Meanwhile, the interest on short-term loans and medium-and long-term loans borrowed by ICBC is calculated as follows:
Short-term loans of ICBC e-loan refer to products with loan terms of six months and six months to one year, and the annual interest rate of short-term loans is 4.35%;
The medium-and long-term loans of ICBC e-finance refer to products with loan terms of 1 to 3 years, 3 to 5 years and more than 5 years, of which the annual interest rate of the products with 1 to 3 years and 3 to 5 years is 4.75%, and the annual interest rate of the products with more than 5 years is 4.9%.