ICBC e-Loan is an online loan product launched by Industrial and Commercial Bank of China. Since it is an online loan product, will it be approved in real time? After all, many online small loan products have such characteristics, which is also the most concerned issue for applicants who are eager to use money. Next, we will introduce them to you.
1. How long does it take for ICBC to approve e-loan?
1. Existing ICBC credit card customers
For customers who have applied for ICBC credit cards and used them well, they will generally directly enter the automatic real-time approval process of the system. The process usually takes a few minutes, about 1 hour.
2. Non-ICBC credit card customers
For customers who apply for a loan at ICBC for the first time and have never applied for an ICBC credit card, the approval time is relatively long. After all, Rong E loan is an unsecured, unsecured and pure credit loan product, so the identity information and credit qualification of the applicant will be verified manually first, and it may take 1-2 days here. After the application is approved, it will enter the system for automatic or manual approval, and the loan may need 1.
2. Can ICBC seek manual help in the e-loan approval process?
E-loan application methods can be divided into online application and offline processing. Online, you can log in through ICBC's personal online banking or download the ICBC e-Life APP through mobile banking, and offline, you can go directly to the nearby ICBC business outlets.
If the online application shows that it is being approved, manual intervention may not be possible; If you are looking for a business outlet offline, you can ask the bank staff to explain the situation and see if you can speed up the approval of manual verification. As long as you ensure that the submitted materials are true and complete and meet the requirements, the approval process is still relatively fast.
The above is about how long the approval process of ICBC's e-loan will take. The service hotline of ICBC is 95588. If you are really in a hurry, you can contact yourself to confirm the approval result.
How long does it take for ICBC's online loan review? The general situation is like this!
With the development of Internet loans, there are not only platforms dedicated to providing loans for individuals, but also platforms dedicated to providing loans for enterprises, such as ICBC online loans. Now many companies are asking how long it will take for ICBC to review its online loans. Today, I will introduce the relevant contents to you.
Judging from the information learned from many parties, ICBC's online loan review time is relatively long. After the borrower submits the loan application, people often have to wait about 1 week, and some may be as long as 1 month. Therefore, the majority of borrowers should be psychologically prepared when applying for ICBC online loans.
Here are some points for attention, which will help you save the audit time.
1, data problem
If you want to save the review time of ICBC's online loan, you must ensure that the application materials are true and complete. Otherwise, ICBC's online loan needs to spend a lot of time investigating and auditing borrowers.
2. Credit problems
Icbc's online lending requires that the credit rating of enterprises be above A level, and that of small and medium-sized enterprises be above A level. Therefore, the higher the credit rating, the easier it is for enterprises to pass the audit. When submitting a loan application to ICBC Online Lending Link, try to provide some documents that can prove your credit, such as corporate honor and shareholder background.
3. Mortgage loan problem
Generally speaking, if the mortgage is insufficient, the review time of ICBC's online loan will be shorter. Therefore, borrowers must provide as much collateral as possible when applying for ICBC's online loan.
The above explains how long it takes ICBC to review online loans, hoping to help borrowers.
How long does it take for ICBC to review the loan?
It takes about 15 working days for ICBC to process the loan review. The examination time of ICBC loan application mainly depends on whether the applicant's materials are complete or not, and it is also related to the examination workload and the work efficiency of the auditors at the same time. Users can log in to China Industrial and Commercial Bank of China Mobile Banking for the specific audit process and run the query on my loan page.
In addition, ICBC officials said that if the submitted materials are complete and meet the loan threshold, the loan approval can be completed within 2 days at the earliest, depending on the actual situation.
How long can the ICBC loan come down?
When applying for a loan, everyone is most concerned about when they can get the money. As one of the top 500 enterprises in the world, ICBC has a strong deposit and loan business, and many people will choose ICBC when applying for loans. So how long can ICBC's loan come down? Let's have a look.
ICBC loans are mostly mortgage loans. Take the housing mortgage loan as an example to introduce the industrial and commercial loan process.
1. Fill in the application for residential mortgage and submit the following supporting documents from the bank: ID card, household registration book, marriage certificate or divorce certificate, divorce agreement or judgment (only for married or divorced people), income certificate, bank flow within 6 months, loan bank savings card and house purchase contract;
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials;
3. The borrower will go through the mortgage registration formalities of the real estate license of the mortgaged property with the bank;
4. The guarantors of both borrowers and borrowers sign the Housing Mortgage Loan Contract and notarize it;
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
After reading the above contents, I believe everyone has a certain understanding of how long it will take for ICBC loans to come down. In short, the loan time of ICBC is generally two or three weeks, and the longest is only one month. Everyone should wait patiently. If you feel that the bank's lending speed is too slow, you can apply.
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Let's stop here for the introduction of how long ICBC can get online loans.