China Industrial and Commercial Bank of China's housing e-loan is an online personal loan service applied by China Industrial and Commercial Bank of China's credit card customers, provident fund deposit customers and China Industrial and Commercial Bank of China's housing mortgage loan stock customers. According to the official introduction of ICBC, under normal circumstances, the loan will be completed within 48 hours after approval. This is because ICBC adopted the online application and review method, which reduced the time of tedious paper materials submission and manual review and improved the lending efficiency.