The loan term of personal credit loan is usually 1 year (6 months in some banks), and the longest is no more than 4 years. Personal credit loans are generally not allowed to apply for extension. If the loan cannot be repaid on time due to force majeure or accidents, with the consent of the bank, if the loan term is within 1 year (inclusive), it can be extended once, and the longest extension period shall not exceed the original loan term, and the longest accumulated loan term shall not exceed 1 year (inclusive). "Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. 2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance. 202 1 1 1 8 news, it is reported that Alipay "borrowing" was renamed as "credit loan". In this regard, Alipay customer service responded that in order to make it easier for you to understand the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected. "Borrowing" is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of the withdrawal: 1, deposit the balance treasure or lucky treasure (regularly), deposit 15000, and basically pay it after 10, generally on the number of 1- 10; 2. Download the online merchant bank app on your mobile phone, and then save it in your computer. Ten thousand deposits can basically lend ten thousand consumer loans to online merchant banks for one month; But there are still netizens who spit out Uncle Ma Yun; One reason why I am not optimistic about these internet companies engaged in finance is that they have no experience in receiving users who can't even tell the difference between interest and handling fees. This part of the business naturally has an impact on similar businesses of banks. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal in installments, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.

2. What is the longest loan term of ICBC's personal credit consumption loan?

As a personal credit consumption loan of our bank, ICBC Financial E has the following advantages:

65,438+0. Interest rate concessions: interest will be calculated on a daily basis for e-loans. At present, the e-loan is 10000 yuan (one year), and the minimum daily interest is less than 1 yuan.

2. Revolving credit: if E borrows, it can be repaid in advance, and two repayment methods, namely equal principal and interest, are supported, and some customers support paying interest on schedule and repaying the principal at one time.

3. Flexible term: the shortest loan term of Rong E is two months, and the longest is generally two years. Some customers can enjoy a longer term. You can flexibly choose the number of loan periods within the longest loan period.

4. Better experience: no mortgage, no guarantee, pure credit, self-service application up to 200,000.

5. Convenient application: You can handle it yourself through various online channels such as ICBC e-life, e-finance, e-finance and online banking, or you can handle it at our business outlets, and the loan will be received in real time as soon as possible.

Go to m.icbc.com.cn/icbc/0919rej _ w12.htm on your mobile phone, and check the loan amount, and borrow it immediately ~

3. What is the longest term of consumer loans? You'll never guess.

Now consumer demand can be said to be very strong, and the subsequent consumer loans can be said to be the loan fees chosen by many people. You can keep it as long as you want. That's definitely not, so the longest term of consumer loans is to answer this question.

Consumer loans refer to loans granted by commercial banks and financial institutions to consumers for personal consumption or other expenses based on their credit.

The longest term of consumer loans

Generally speaking, the loan term of consumer loans is 1~ 10 years, so the longest term of consumer loans shall not exceed 10 years. At the same time, the minimum loan amount for consumer loans is 50,000 yuan each.

Increase in loan interest rate

After 20 12, the interest rate of consumer loans generally rose. Including car loans, house decoration loans, interest rates of state-owned banks such as ICBC, Agricultural Bank of China, Bank of China and China Construction Bank, the commercial loan interest rates of most joint-stock banks have risen by %-40%, and the interest rate of personal letters has reached 50% at the highest.

If you think the longest period of consumer loans is acceptable, then you can also see if you meet the requirements of consumer loans, because you can only get loans if you meet the application conditions.

Conditions of consumer loans

1. Original and photocopy of the borrower's valid identity certificate;

2. Proof of local permanent residence or valid residence;

3 proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

4. Pledge of the loan, list of collateral and ownership certificate, and written documents of the owner and the property * * * agreeing to pledge and mortgage;

5. The written document that the applicant agrees to provide the guarantee;

six

7. Collateral appraisal report issued by the appraisal department recognized by the society;

8. Other documents and materials required by commercial banks.

Is the loan officer of the loan company easy to do? Credit employee

Loan officers can obtain the customer resources of the following platforms for you to choose from.

What is the longest payment period? All right. 4. What is the longest period for ICBC to borrow E?

ICBC's personal credit loan refers to financing e-loan, with the maximum application amount of 1 10,000 and the longest term of 2 years, and some customers can enjoy the longest term of 5 years. And after the e-loan application is successful, the loan amount will occupy the credit card amount.