If the borrower is a non-ICBC credit card customer and applies for electronic loan for the first time, it needs to go through manual investigation to verify the information before entering the approval stage. After entering the approval stage, the system needs automatic approval+manual approval. It will take about 2-3 days during this period. If the borrower applies for e-loan again later, there is no need to wait so long.
If you want to ask what is the most popular loan type for users now, it must be online personal consumption loan. In addition to some private financial institutions, banks have also launched many online small loan products to meet the needs of different customers. The approval of electronic book borrowing is so slow. What happened in the process of electronic book borrowing?
First, what should I do if the approval of Rong E is slow?
Rong e-loan is an online personal consumption micro-loan product launched by ICBC. Under normal circumstances, after the borrower's loan application is approved, Rong E Loan will lend money within 1-3 hours. If there is a slow loan, it may be the following reasons.
1. Too many people apply for loans: Although Rong E loan is an online loan, there will still be manual review when lending. If too many people apply for loans, the system will get stuck and the loans will be slow. The borrower waits patiently for a period of time, and when it comes to his own time, if he borrows E, he will borrow money quickly.
2. System maintenance: If the borrower applies for a loan just when the electronic lending system is upgraded and maintained, even if the loan is approved, the electronic lending system will not be released before the system maintenance.
What happened in the process of e-lending financing?
Many users reported that they applied for an e-loan on the ICBC APP, but after a day or two, it still showed "Processing". In fact, if the borrower is a non-ICBC credit card customer and applies for e-loan for the first time, it needs to go through manual investigation, verify the information and confirm that it is my application before entering the approval stage.
Solutions that are in processing after applying for electronic loans
Don't worry about whether the application will be processed. This is related to the fact that you have multiple regional accounts in ICBC. For example, you applied for a savings card in Beijing before, and your credit card was applied in Shanghai. This situation will lead to inconsistent application fields, rejection or being processed. Please change the address of the credit card application place and apply again. It's time.
What is the reason for the failure of ICBC's e-loan How to handle revolving loans?
; ? ICBC's e-fast loan is mainly for small and micro business owners and individual industrial and commercial households with high-quality real estate. The maximum amount of a single loan is 5 million. Many small business owners hope to provide e-fast loans to alleviate the financial difficulties of enterprises, but many people fail to pass e-fast loans. What is the reason? How to handle revolving loans?
Reasons for the failure of ICBC's e-fast loan
To apply for ICBC e-fast loan, you need to meet the following requirements:
1. The loan applicant must be the business owner of small and micro enterprises and individual industrial and commercial households, and have a personal settlement account with ICBC.
2. The loan applicant must be 18-65 years old and have full capacity for civil conduct.
3. The small and micro enterprises operated by the loan applicant must be established for more than one year, and the industrial and commercial registration is normal.
4. The loan applicant owns high-quality real estate and can provide mortgage guarantee.
ICBC's e-loan failed, so you can compare and analyze your own situation. If the age does not meet the requirements, or the enterprise is established less than 1 year, and the property value is not enough, we will not succeed.
In addition, if the applicant is an enterprise legal person, the applicant's own credit status and debt ratio will also affect the approval of ICBC's e-fast loan. If the applicant has a lot of overdue credit records in the past two years and the debt ratio is high, it will also lead to the failure of approval.
How to handle revolving loans?
If you want to recycle the funds of ICBC e Express Loan, you can submit the loan application again when the loan expires. If the loan is successfully approved by the bank, you will get a new loan amount and revolving loan period. However, if the borrower's comprehensive qualification deteriorates, the re-application may not be successful.
If ICBC e fails to pass the fast loan, the loan applicant will analyze his own situation to see if he meets the loan requirements. If the loan is successful, it must be repaid on time before it can be recycled.
Industrial and commercial bank of China Xiaowei e-loan operating loan has a quota. Why is the approval always unsuccessful?
The electronic loan line of ICBC does not mean that it is a credit line. Under normal circumstances, personal credit information will be reviewed when applying for a loan. If there is a bad credit information record, it will lead to the failure of the review. Another reason for the failure of the e-loan audit is that the personal debt ratio is too high and the income situation is difficult to support its repayment. Considering the risk control, ICBC will not pass the audit.