Of course. ICBC's mobile phone loan is a reliable mobile phone loan, because ICBC's mobile phone loan is a loan product of Industrial and Commercial Bank of China, which is backed by ICBC and is trustworthy.
The following are the loan conditions for the borrower to apply for ICBC mobile phone loan:
1. Borrower 18 or more and 65 or less;
2. The borrower has good ability and is a mainland citizen;
3. The borrower provides valid identity certificate, household registration certificate and marital status certificate of China Industrial and Commercial Bank;
4. The borrower has a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. The borrower has a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions.
ICBC's mobile phone loan is worth borrowing. The process of the borrower's mobile phone loan from ICBC is as follows:
1. Open the homepage of ICBC mobile phone loan, register ICBC mobile phone loan account and log in;
2. Log in to ICBC's mobile loan account and click Personal Loan to enter the personal page;
3. Improve personal information and wait for the customer service review of ICBC's mobile phone loan;
4. After approval, the borrower obtains the corresponding quota;
5. The borrower enters the loan amount and repayment period on the loan page;
6. After ICBC's mobile phone loan arrives, the borrower repays it on time.
Log in to ICBC Personal Mobile Banking Version 6.7.0, click "Personal Loan", and follow the page prompts to apply for easy loan. note:
1. The loan shall meet the conditions stipulated by China Industrial and Commercial Bank.
2. At present, only time deposits are supported.
Application conditions:
1, a natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year 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 (or unmarried statement);
3. Have a good credit record and willingness to repay.
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time.
5. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market and futures market in any form, and will be used for equity investment and real estate project development, and will not be used for borrowing to seek illegal income and other projects explicitly prohibited by national laws and regulations.
6. Can provide legal, effective and reliable house mortgage recognized by the bank.
7. Open a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by the bank.
How did ICBC's mobile banking loan process start again?
The steps to restart the ICBC mobile banking loan process are as follows.
(1) Download the ICBC e-loan app on the home page and log in to ICBC mobile banking. (2) Click "Loan", select the loan product to be applied, and click "Apply Now". (3) Fill in the personal data, and upload the front and back of the ID card, and submit it for review after completion. (4) After obtaining the loan amount, you can use ICBC mobile banking at any time after successfully signing the contract. Conditions for ICBC mobile banking loan application The lender must be at least 18 years old and have full capacity for civil conduct.
How to apply for a loan through mobile banking?
Mobile phone loans can only be submitted once. I need to go to the bank in person and consult the bank. Information required for loan:. The borrower's valid identity card and household registration book; Proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); Real estate title certificate; Guarantor (ID card, household registration book, marriage certificate, etc.). ) the following points should be noted:. Only collateral can be used for loans, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; Have a long-term stable income source, enough to pay the monthly loan principal and interest; Guarantor; Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years; Customers who enter the blacklist of the credit information system cannot apply for loans; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about 1 month to get a loan. The process is as follows: Apply for a loan from the bank. After the acceptance of the bank, the value of the mortgaged property is evaluated, and the loan amount is approved according to the evaluation value; Open a personal current account, sign a loan contract, etc. ; Handle real estate mortgage registration; Bank loan.
How to borrow from ICBC to online loan?
ICBC's online loan can be handled through mobile banking. Customers log in to online banking, select Favorites-Loan-Loan Application, select the loan type to be processed, and remind them to operate. Loans that can be handled online include ICBC e-loan, Xingye new loan and personal loan.
It should be noted that ICBC's online loan processing needs to use U shield or cipher to run verification. If not, you have to go to the bank outlets to do online loans.