To apply for ICBC e-loan, you must meet the following conditions:

1. Chinese citizens with full capacity for civil conduct and over 18 years old.

2. The applicant’s work unit or habitual residence should be at the location of the loan issuing institution.

3. Have a fixed job, a stable source of income or reliable repayment guarantee.

Warm reminder: ICBC will conduct an review based on your comprehensive situation, and the final approval result shall prevail.

Extended information:

"ICBC e-Loan" can be processed through all online channels such as mobile phones, computers, and mobile terminals from application to loan, and you can check whether the loan can be processed online in real time As well as the loanable limit, the fastest real-time payment has been achieved, realizing the organic integration of "consumer finance Internet" and creating an Internet operation model with online self-service operations, automatic business processing, and accurate risk monitoring.

“ICBC e-Loan” has the following characteristics:

First, the price is lower, with a loan of RMB 10,000 and a daily interest rate of about RMB 1, which is lower than similar loans on the market. interest rate levels.

The second is a longer term, with a loan term of up to 5 years and a grace period of up to 12 months.

Third, customers can obtain online one-click loans through online banking or mobile banking.

Fourth, repayment is more flexible. Customers can choose four repayment methods: equal principal and interest, equal principal, one-time principal repayment with interest in installments, and one-time principal repayment with interest, which better satisfies different groups. Multi-level and diversified consumer financing needs.

In terms of risk control, "ICBC Financial e-Loan" relies on ICBC's long-term accumulated credit management experience and professional team to conduct risk control investigations on all the group's customers and all credit assets.

Especially with the help of the massive data of 120 million credit cards and 2.48 million online and offline merchants accumulated in the payment chain over the past 30 years of business development, we use the "data model" approach to achieve customer accuracy. Income, credit, lending, monitoring and collection management.

Reference materials: Xinhuanet---ICBC releases "ICBC e-borrowing" to promote personal credit consumption loans

Baidu Encyclopedia---ICBC