Now, the demand for loans is increasing. Many people will consider pledging loans when handling loans, which will help to increase the loan amount, reduce the loan interest rate and improve the loan pass rate. A friend is asking about the interest rate of ICBC's pledged loan. Tell everyone what you know here.

As far as we know, the interest rate of ICBC's pledged loans is determined by combining the benchmark interest rate of central bank loans and the comprehensive credit situation of borrowers. The interest rate for applying for pledged loans through electronic banking (online banking/mobile banking) is as follows:

1. The interest rate of pledged loan is 20% higher than the benchmark interest rate (Guangdong Branch is 30% higher);

2. If the actual term of personal pledge loan is less than 30 days due to prepayment, the actual loan interest rate will rise by 30% on the basis of the interest rate agreed in the contract.

The above is ICBC's stipulation on the interest rate of pledged loans, but it only applies to applications through e-banking. If you apply for a loan through an outlet, the actual interest rate should be based on the outlet.

Here are some suggestions to help lower interest rates.

1. Under the condition that the loan amount remains unchanged, the greater the value of the pledge provided by everyone, the better;

2. When providing proof of income to ICBC, everyone should show their income as much as possible on the basis of the actual situation;

3. Personal data can be improved before applying for ICBC pledge loan.

The above introduces the interest rate of ICBC's pledge loan for everyone. Generally speaking, the interest rate of ICBC pledged loans will not be much higher than the benchmark interest rate of central bank loans.