Personal credit consumption loan
I. Product introduction
Personal credit consumption loans refer to unsecured and unsecured RMB loans issued by our bank to borrowers who meet certain conditions for personal legal and compliance consumption purposes.
Second, the product features
Fast, self-help and fast arrival;
Discount, low rate, the lowest discount period is 4.785%, and the lowest discount period is 6.525%;
Flexible, equal principal and interest, and more support 6-month grace period repayment;
High amount, 600 yuan-300,000 yuan;
Pure credit, no mortgage and no guarantee.
Third, the application conditions
1. China citizen with full capacity for civil conduct, age 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.
Four. length of maturity
The maximum term of personal credit consumption loan is 2 years, which cannot be extended.
Verb (abbreviation of verb) repayment method
The repayment methods of personal credit consumption loans include:
1. Equal monthly payment (same monthly repayment amount);
2. If the application period exceeds one year (inclusive), you can apply for a grace period. There is no need to repay the loan in the first six months, and the loan interest collected during the grace period ("grace period interest") is repaid in subsequent installments, and the bank calculates compound interest according to the remaining unpaid grace period interest;
3. Repay in advance.
Customers can agree on the repayment method with our bank according to their needs.
The personal consumption credit loan amount is 80% of ICBC's personal credit card amount.
The specific operation is as follows:
Open ICBC Online Banking-Favorites-Loan-Credit Consumption Loan-Apply immediately-Enter the card number, login password and verification code-Log in ICBC Online Banking-Fill in the loan amount (not less than 600 yuan)-Select the loan term-Select whether to apply for grace period-Select the loan purpose-Select the collection account number-Select the repayment account number-Get the verification code-Enter the verification code-Check that I have read and agreed to the Personal Credit Consumption Loan Agreement of Industrial and Commercial Bank of China-Next.
After a few minutes, you will receive a short message, indicating that the loan was issued successfully.
Log in to ICBC Online Banking-Loan-My Loan-My Credit Loan-and you can see the loan contract amount, loan balance-contract status: payment completed.
You can also see the loan balance in this loan account.
You can also log in to Online Banking-Loan-Apply for Loan-Credit Consumption Loan-Apply Now.
After this operation is completed, you can directly click the application result query-query-after receiving the SMS, you can see that the loan has been issued successfully.