In the eyes of many borrowers, ICBC is a godlike existence, mainly due to the high gold content of credit cards and the ultra-low interest on loans and installments. Let's just say that ICBC's handling fee and interest are the lowest among all banks, unless other banks have special activities or preferential treatment.
Everyone should know how difficult it is to borrow money now. Borrowing money from relatives and friends is not cheap, and it is not easy to talk. Therefore, I suggest that you apply for a credit card of ICBC or CCB if you have the opportunity, and you must maintain a high frequency of use. Don't overdue it! Be sure to repay in time.
If I have an ICBC credit card, how can I get a quick loan of 50,000 yuan?
1. Keep the frequency of using ICBC credit cards.
Whether you have used it before or not, you must use it again to keep the dosage and frequency;
2. Financial assets
You can choose some ICBC wealth management investments, deposits and precious metals. And invest a little appropriately;
3. Jung Shopping Center
If you want to buy something, or a friend wants to buy something, you can buy it by the way and place an order at Ronge.
When the preparatory work is almost done, you can apply for an e-loan from ICBC. The interest rate of this product is extremely low, and you can pay at a level close to the benchmark interest rate when you encounter activities.
Precautions:
1. If the loan is used for stock investment, the collection debit card cannot be bound to the bank-securities transfer category;
2. Generally speaking, the credit limit of e-finance is 80% of the credit card limit of ICBC. If the credit card quota of ICBC is too low and the application quota is too high, it may not be successful.
Application channel: full deposit and full loan electronic loan application.
Pay attention to ICBC WeChat. The official WeChat account can also submit an application.
How to apply for an ICBC loan?
There are many ways for ICBC to lend money:
1. Apply for offline outlets. Bring relevant materials to the counter of ICBC offline outlets to apply for loans.
2. ICBC mobile banking application. Users can download ICBC mobile banking on their mobile phones, verify their personal information, log in, click "Loan" on the homepage according to the page prompts, then select the loan they want to apply for, submit the relevant materials needed for the loan, and complete the loan.
Three. Application of ICBC in official website. Users can search China Industrial and Commercial Bank of China official website on the computer browser, click on the loan product they want to apply for according to the page prompts, and apply for a loan after logging in the account number and password.
Fourth, WeChat WeChat official account application. In addition, you can search for the official account of "China Industrial and Commercial Bank Customer Service" on WeChat. After paying attention, you can find smart finance on the page, and then follow the tips on the page to apply for personal loans.
Note that if you apply for large loans such as mortgages and car loans at ICBC, you must apply at offline outlets.
Extended data:
ICBC loan terms
1, a natural person with full civil capacity, aged between 18-60 years old.
2. Have a valid identity certificate and proof of marital status.
3. Obtained a credit rating of D or above in China Industrial and Commercial Bank.
4. It has legal business qualifications and fixed business premises, and can provide legal business licenses (or business licenses of merchants, booth licenses, industry business licenses, etc.). ) and the property right certificate or contract or lease of the business premises.
5. Have the ability to repay the loan principal and interest in full and on time.
6. Have a good willingness to repay.
7. Can provide effective guarantee.
8. Open a personal settlement account in China Industrial and Commercial Bank.
9. Other conditions required by China Industrial and Commercial Bank.
How does ICBC apply for a quick loan?
ICBC's application for quick loan mainly meets two aspects: first, the application conditions must meet the requirements, and second, the application materials must be approved before they can meet the qualification for quick loan.
I. Conditions for ICBC to apply for quick loans.
1. The age of a natural person with full capacity for civil conduct is between 18 and 60. Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for 65,438+0 years and have a fixed residence and occupation;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate;
3. Having legal business qualifications, being able to provide business licenses for individual industrial and commercial households, partnership enterprises and sole proprietorship enterprises, or holding business licenses such as business licenses, merchant business licenses and booth licenses or other legal and valid business qualifications;
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank;
6. Being able to provide legal, effective and reliable loan guarantee recognized by China Industrial and Commercial Bank;
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank;
8. Other conditions stipulated by China Industrial and Commercial Bank.
Two. Application materials for ICBC to operate fast loans.
1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;
2. The original and photocopy of the annual business license or business license, merchant business license, booth card and other business licenses of individual industrial and commercial households, partnership enterprises and sole proprietorship enterprises;
3. Personal income certificate, such as personal tax payment certificate, salary certificate, personal dividend certificate in business entity, rental income, etc.;
4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;
5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the co-owner of the property) agrees to mortgage. If the mortgaged property needs to be assessed, the original assessment report shall be provided;
6. Other information required by the bank.
Extended data:
Main features of ICBC's fast loan business:
1, high loan amount: up to 3 million yuan;
2. Long loan term: up to 3 years;
3. There are many ways to guarantee: mortgage, pledge, etc.
4. It has the function of revolving loan: one-time application, recycling, and returning with the loan, which is convenient and fast, and can realize self-service loan issuance through merchant POS and online banking.