What is the loan interest rate of ICBC?
In China's financial market, different banks have free competition and pricing power. Therefore, different banks may set different loan interest rates according to their own business strategies and risk control capabilities. It is understood that ICBC's current loan interest rate is mainly determined according to loan products, which are mainly divided into the following points:
1, benchmark interest rate: 4.35% within one year (inclusive); One year to five years (inclusive) is 4.75%; More than five years is 4.90%.
2. Consumer loan interest rate: 5.35% within one year (inclusive); One year to five years (inclusive) is 5.75%; More than five years, 5.90%.
3. Housing loan interest rate: the first home loan interest rate is 3.75% and the second home loan interest rate is 4.05% from one year to five years (inclusive); The interest rate of the first home loan for more than five years is 4.5%; The second set is 4.8%.
4. Car loan interest rate: about 5% within one year (inclusive); The term is about 8%; The term is about 12%.
In addition, in order to attract more customers to choose ICBC's loan products, banks often introduce some competitive interest rate policies and promotional activities. This includes reducing borrowing costs, delaying the repayment of principal and interest, and reducing handling fees. These preferential policies can help customers save capital costs and improve customer satisfaction with ICBC products.
How many days can ICBC's loan come down?
ICBC's mortgage is generally approved about 1 month, but the specific time is subject to the time when the audit results come out. Different users have different credit qualifications, and when users apply for mortgages, mortgage policies may also change. Therefore, it is normal for some users to review quickly and some users to review slowly.
As long as the user has passed the ICBC mortgage audit and signed the mortgage contract, he can wait patiently for the ICBC loan, and the lending time is usually around 15 working days.
The above is the relevant content of ICBC loan interest rate. If you want to apply for a loan from ICBC, it will usually be approved within one month.