1. ICBC e-loan is a personal credit consumption loan business, which has the advantage of online micro-loan. The review process is simple and the payment is fast. Those who meet the conditions for applying for E-loan will be audited within 1-3 hours after submitting the application, and the audit results will be notified by SMS.
2. According to netizens who have applied for e-loan, if you want to pass it quickly, you can apply for a credit card of ICBC first, and then apply for e-loan, which is helpful for quick approval. However, the bank has not confirmed this statement. Friends who are in urgent need of approval can try it.
3. At present, there are many ways for ICBC to apply for e-loan, including ICBC e-Life App, online banking and mobile banking. In addition, you can also apply for e-loan through ICBC's offline bank. In general, online application is much faster than offline application. Take mobile banking (version 6.0) as an example to explain the application steps: first, in the "favorites" column, you can find the "loan" application entrance in the lower right corner of the page; After entering the loan page, you can find ICBC's "financing e-loan" at the top; Then click to enter the online application. Generally speaking, if your application is approved, you will get a loan soon. Generally speaking, the approval time and the next payment time of ICBC e-loan are relatively short, so don't worry too much.
1. ICBC electronic loan application conditions. /kloc-China citizens aged 0/8-60 with full capacity for civil conduct; Have a fixed job and a stable source of income; The work unit or domicile is at the location of the loan issuing institution; Other conditions stipulated by China Industrial and Commercial Bank. It is worth noting that ICBC Financial E adopts the white list invitation system, and only high-quality customers can apply. If the audit fails, it is recommended to apply for an ICBC credit card, use ICBC's financial products more, and try to apply again later.
2. ICBC Financial Electronic Loan
1) The interest rate is lower. From now until June 30th, 20 17, the loan interest rate for 1 year is 5.22%.
2) Borrowing from 600 yuan, with a high amount, up to 800,000 yuan.
3) The loan term is longer, with a maximum of 5 years and a maximum grace period of 12 months. There is no need to repay during the grace period, and early repayment is supported.
4) Repayment flexibly supports four repayment methods: matching principal and interest, average capital, paying interest on schedule and paying principal and interest in one lump sum.