Can I get a loan on ICBC's mobile phone? There are these products to choose from

Many people want to know if ICBC can get a loan on its mobile phone. Here, I can tell you that it is certain. In fact, it is very simple for ICBC to borrow money on mobile phones. Just download an ICBC mobile phone bank and click on the loan on the home page to see all the loan products that support mobile phone banking. Just choose the loan product you want to apply for.

can I get a loan on ICBC's mobile phone?

ICBC's mobile banking loans include financial e-loan, micro e-loan, personal housing loan and personal housing loan, which are suitable for lenders with different qualifications.

1. Rong e is a personal consumption credit loan, which is suitable for ordinary office workers. Borrowers can apply without assets, but they must have a stable working income and good credit. When applying, they should use a U shield or a password device to check the sign and operate the loan according to the prompts. Pay attention to whether E-lending supports directors, supervisors, managers, credit practitioners and their close relatives of ICBC.

2. Small and micro e-loans are business loans. Small and medium-sized business owners or self-employed households can handle them with business licenses and tax payment vouchers. They also include a variety of products, such as fast business loans with credit applications, fast e-loans with real estate applications, fast online loans with real estate applications, and fast e-chain loans that core enterprises can apply for upstream/downstream.

3. Lenders with financial assets can apply, and the financial assets pledged are different according to the loan purposes such as consumption and operation. Note that there are application restrictions. Each person can't apply for more than 3 contracts a day and 15 contracts a month.

4. Personal housing loan is suitable for the lender who wants to buy a house. The lender can fill in the loan application form on ICBC mobile banking, and then submit the materials, face-to-face interviews, etc. at the local ICBC outlets after passing the preliminary examination. Please consult the local ICBC loan outlets for specific requirements.

5. Personal housing loan is to apply for a loan from the bank by taking the property with clear property rights under the borrower's name as the guarantee, and you need to choose the corresponding loan purpose when lending. In some areas, online processing is not supported, which is subject to the tips on the loan page.

The above is the introduction of "Can I get a loan on ICBC's mobile phone?" I hope it will help you.

what are ICBC's personal consumption loans _ how to apply for ICBC's personal consumption loans

Personal consumption loans refer to loans provided by banks to borrowers for personal consumption, including but not limited to training, tourism, wedding, beauty and fitness, study abroad and other purposes. There are many kinds of personal consumption loan products of ICBC, including e-loan, personal home consumption loan, personal car loan, easy loan, personal cultural consumption loan, personal student loan and personal study abroad loan.

financing e-loan

financing e-loan is an unsecured and unsecured loan issued by ICBC to borrowers who meet the loan conditions. The loan amount is between 6 million yuan and 8, yuan, and the loan period is as short as 2 months and as long as 2 years. The borrower can choose according to his actual needs. The loan amount can be used for car purchase, decoration, shopping and other purposes, and cannot be used for stock trading and private lending. At present, there are online and offline processing methods. Online refers to online banking, mobile banking and ICBC e-Life APP, while offline refers to bank outlets.

Personal home consumption loan

Loans are mainly used to decorate and decorate houses, and purchase housing decoration materials, durable consumer goods and other large-value consumer goods. The maximum loan amount is 1 million yuan, and the maximum loan period is 5 years.

personal car loan

is a RMB-guaranteed loan issued by ICBC to customers who apply for buying their own cars. The maximum loan amount can reach 8% of the car purchase price, and the maximum loan period is 5 years. There are two loan modes: direct customer and indirect customer.

direct customer service: the borrower directly submits the relevant application materials for auto loan to ICBC, and the bank signs the loan contract and guarantee contract after the loan investigation and approval. The borrower will go to ICBC's special car dealer to buy a car.

Guest mode: The borrower goes to ICBC's special car dealer to buy a car, submits relevant loan application materials, and the car dealer transfers it to ICBC to apply for a loan. After the approval of loan investigation, banks sign loan contracts and guarantee contracts, and go through notarization and insurance procedures.

Easy Loan

Easy Loan is a credit consumption credit service provided by ICBC to customers with ICBC debit cards (or passbooks) and credit cards when they swipe their cards or shop online at ICBC special merchants according to certain rules. The loan term can be freely selected among the four terms of 6, 12, 24 and 36 months, and the repayment will be equal monthly.

personal cultural consumption loans

loans are mainly used for personal education and training, tourism, wedding, beauty and fitness, club membership activities and other cultural consumption purposes, with a maximum loan amount of 1 million yuan and a maximum loan period of 1 years.

Personal student loans

Personal student loans are divided into national student loans and commercial student loans. The national student loans are applicable to full-time undergraduate, junior college students (including vocational college students), graduate students and students with second bachelor's degrees, to ensure that poor students can successfully complete their studies, with a maximum of 6, yuan per academic year. The borrower must pay off the loans within 6 years after graduation. The amount of commercial student loan shall be determined by the bank according to the borrower's credit status and the guarantee provided, and the maximum amount shall not exceed 5, yuan. The shortest term of the loan is 6 months, and the longest term is no more than 8 years.

personal study abroad loans

Personal study abroad loans provided by ICBC are divided into withdrawal-type personal study abroad loans and non-withdrawal-type personal study abroad loans, of which the withdrawal-type personal study abroad loans amount to up to 2 million yuan; Non-withdrawal personal loan for studying abroad has a loan amount of up to 1 million yuan and a loan term of up to 1 years.

what personal loan products does ICBC have? After reading it, it will be clear to you that

ICBC, as one of the state-owned banks, has many loan products, which can basically meet the needs of customers. For example, if individual users are in urgent need, they can apply for ICBC personal loan products. There are several types of personal loan products of ICBC. Let's take a look at them.

1. Personal housing loans:

Loans granted by ICBC to borrowers for purchasing houses built and sold (pre-sold) by real estate development enterprises according to law mainly include first-hand personal housing loans, second-hand personal housing loans, personal housing portfolio loans and personal housing provident fund loans.

2. Personal business loans:

Renminbi-guaranteed loans used for business activities, including personal business loans and personal employment loans.

3. Personal consumption loan:

Renminbi loans granted by banks to individual customers for designated consumption purposes include the following four types:

1) ICBC Ronge Loan is a credit consumption loan of ICBC, which does not need mortgage guarantee, but can only be used for personal consumption.

2) individuals: that is, the loans that the lenders apply for with their own products such as time deposits and national debt as guarantees.

3) Personal loan for studying abroad: a loan issued by ICBC to borrowers, which is mainly used to pay tuition and fees, living expenses, accompanying students and other expenses required by borrowers or immediate family members during their study abroad.

4) personal home consumption loan: it can be used to decorate and decorate houses, and purchase housing decoration materials, durable consumer goods and other large-value consumer goods, which can be recycled once applied, and can also be repaid with the loan.

5) personal cultural consumption loan: it can be used for personal education and training, travel, wedding, beauty and fitness, club membership activities and other cultural consumption, and can be recycled once applied.

4. Personal automobile loan:

It is a loan used to buy a car, which is divided into two types: personal car loan and personal commercial vehicle loan. The former is used to buy a car for self-use and the latter is used to buy a car loan for profit.

so much for the introduction of ICBC's latest loan products.