Legal analysis: ICBC's door-to-door e-installment business is launched by the bank for customers who own their own houses or have mortgage loans in ICBC. The credit line is relatively high and the rate is favorable. It takes the self-occupied house as the mortgage, ICBC gives credit card credit line according to a certain proportion of the property value, and after the loan, the cash is transferred to the e-installment special debit card for consumption.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.