ICBC has many loans, which are mainly divided into the following four categories:

1. Housing loans: first-hand personal housing loans, second-hand personal housing loans and provident fund housing loans.

2. Consumer loans: personal car loans, electronic loans and personal housing consumption loans.

3. Commercial loans: personal commercial loans and personal commercial loans.

4. Special loans: individuals, personal loans, online loans and personal loan card loans.

First of all, when there is a problem with your bank account, you can use telephone banking for help.

1.In the 1990s, ICBC took the lead in launching a unified telephone banking service in China, and successfully established a good service image of ICBC's telephone banking.

2. ICBC's 95588 customer service hotline serves corporate and private customers. Whenever and wherever, citizens can easily enjoy a series of convenient, fast, 24-hour, 365-day, all-weather financial services provided by banks as long as they call the phones around them.

(1) Answer the business outlets and business hours.

(2) Answer telephone banking and online banking.

(3) Answer the credit card business consultation.

(4) Answer questions.

Second, ICBC's telephone banking is not only diversified and powerful, but also has distinctive characteristics of the times and superior scientific and technological advantages.

1. Easy to use and operate: ICBC Telephone Banking organically combines automatic voice service with manual answering service, and you can enjoy the perfect unity of self-service voice service and warm manual service just by pressing the phone button.

2. Simple procedures and powerful functions: ICBC telephone banking is convenient to apply for, and you can apply for opening an account by bringing your valid certificate and ICBC passbook or bank card to the outlet, enjoying the convenience of account management and efficient services of investment and wealth management.

3. Low cost, safety and reliability: ICBC telephone banking can handle most counter and online business, saving time and reducing costs. At the same time, ICBC adopts the most advanced computer telephone integration, so that customers can use it with peace of mind.

4. Unified number, nationwide roaming: the service number of ICBC telephone banking in mainland provinces and cities is 95588, and it is 2 1895588 in Hong Kong. If you choose to roam in different places, you can roam back to the telephone bank in your community, so that customers don't have to bear the long-distance telephone charges.

What are the corporate loan products of ICBC?

ICBC's corporate loan products include small secured loans, small tax credit loans, small business banks, online loans and corporate revolving loans. Customers can consult ICBC according to their own needs and wait for the bank's review after submitting the materials.

After the enterprise loan application is successful, the customer should still remember to repay the loan in time according to the agreement. Once loans overdue, it will affect the credit of enterprises, and banks will charge penalty interest, which will have a very bad impact on the future development of enterprises.

What personal loan products does ICBC have? You'll know after reading it

As one of the state-owned banks, ICBC has many loan products, which can basically meet the needs of customers. For example, if individual users are in urgent need, they can apply for ICBC personal loan products. There are several types of personal loan products of ICBC. Let's take a look at them.

1, individual housing loan:

Loans granted by ICBC to borrowers for purchasing houses built and sold (pre-sold) by real estate development enterprises according to law mainly include first-hand personal housing loans, second-hand personal housing loans, personal housing portfolio loans and personal housing provident fund loans.

2. Personal commercial loans:

Renminbi secured loans for business activities include personal business loans and personal business loans.

3. Personal consumption loans:

Banks provide RMB loans to individual customers for designated consumption purposes, including the following four types:

1) ICBC Financial E-loan is a credit consumption loan of ICBC, which can only be used for personal consumption without mortgage guarantee.

2) Individuals: that is, loans applied by lenders with their own time deposits, national debt and other products as security.

3) Personal loan for studying abroad: The loan granted by China Industrial and Commercial Bank to the borrower is mainly used to pay the tuition and fees, living expenses, accompanying fees and other expenses required by the borrower or his immediate family members during their study abroad.

4) Personal home consumption loan: it can be used to decorate houses, buy house decoration materials, durable consumer goods and other large consumer goods, which can be recovered upon application or returned with the loan.

5) Personal cultural consumption loan: it can be used for personal education and training, travel, wedding, beauty and fitness, club membership activities and other cultural consumption, and can be recovered once applied.

4. Personal car loan:

Is used to buy a car loan, divided into personal car loans and personal commercial car loans. The former is used to buy a car, and the latter is used to make a profit by buying a car loan.

What are the loan products of ICBC? Summary of seven loan businesses of icbc.

ICBC has many loan products, each with its own characteristics, which can meet the different needs of users. Mainly include: personal housing mortgage loans, second-hand personal housing loans, personal comprehensive consumption loans, personal business loans and so on. Here, we will introduce them one by one.

I. Personal business loans

Personal business loans are RMB-guaranteed loans issued by China Industrial and Commercial Bank to customers for their legitimate business activities. The maximum loan amount can reach 6,543,800 yuan. The loan period can be up to 5 years. It can be applied by mortgage, pledge, guarantee, etc., and has the function of revolving loan.

Second-hand personal housing loan

Second-hand personal housing loan refers to the loan issued by the lender to the borrower to purchase the house that the seller has obtained the house ownership certificate, has the complete disposal right and can be legally traded in the secondary market. The maximum loan amount can reach 70% of the market value of the purchased house. The longest loan period is 30 years, which cannot exceed the remaining land use right of the mortgaged property, and the sum of the borrower's age and the loan period does not exceed 70 years.

Third, personal comprehensive consumer loans.

Personal comprehensive consumption loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to borrowers for designated consumption purposes. With a wide range of consumption purposes, high loan amount and long loan period, it is an ideal choice for individuals to realize "advance their future wealth and enjoy a high-level life".

Fourth, personal housing mortgage loan.

Personal housing mortgage loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to customers, which is based on the real estate in the name of customers (including spouses) and used for legal and compliance purposes such as business and consumption. Can be used for business, car purchase, education, medical care, large-scale durable goods consumption and other legal and compliance purposes.

Verb (short for verb) individual

Individuals are small and short-term RMB loans issued by China Industrial and Commercial Bank to customers for legitimate business activities. It is usually issued by credit or guarantee, without collateral, which is flexible and convenient. The maximum amount of a single-family loan is 500,000 yuan, of which the maximum amount of a single-family credit loan is 200,000 yuan. The loan term is generally within 6 months.

Six, personal commercial housing loans

Personal commercial housing loan refers to the loan issued by the lender to the borrower for the purchase of commercial housing. Applicable to natural persons with full capacity for civil conduct, and the borrower has a good credit record and repayment willingness. It can be used to buy shops, commercial supporting houses in residential quarters, office buildings (office buildings), parking spaces (garages) with independent property rights and other commercial houses.

Seven, personal business car loans

Personal commercial vehicle loan is a personal car loan issued by ICBC to borrowers for the purpose of buying a car. The loan amount is high, the guarantee methods are diverse and the repayment methods are flexible. There are many kinds of commercial vehicles that can be purchased, including city taxis, city bus lines, buses, trucks and construction machinery (bulldozers, excavators, mixers, pumps, etc.). ).

How to get a personal loan from ICBC?

"ICBC personal loans can be handled at bank outlets or in official website, depending on the loan type. Take ICBC's personal credit loan as an example. It can be handled in ICBC official website without mortgage guarantee. After you fill in your personal information as prompted, you can apply for a loan with a quota. However, to apply for personal loans online, ICBC needs to use a password device or a U shield for security check first. "