Personal loan online lending is a value-added service provided by Industrial and Commercial Bank of China to facilitate customers to use personal loans. Customers can realize online self-help application and on-demand recovery of personal loans through Internet channels. Wide advantages and simple conditions.

Five advantages

First, the recycling only needs one mortgage (pledge), which is simple and not cumbersome, and the cost can be effectively controlled;

Second, when you need to apply, withdraw money or repay money, you can do it immediately through ICBC's online banking, which is very convenient to meet your capital needs at any time;

3. ICBC online banking provides you with 7*24 hours all-weather service, and you can handle your business independently anytime and anywhere;

Fourth, you can flexibly determine the loan amount and term according to actual needs within the turnover amount and validity period;

5. There are many repayment methods to choose from. You can choose the equal monthly repayment method or' whatever you want' repayment method according to your actual needs.

Extended data

Letter of credit clause

1. Citizens with China nationality (excluding Hong Kong, Macao and Taiwan residents) have full capacity for civil conduct;

2. Having a fixed residence at the place where the loan handling bank is located, and having a fixed residence or a valid residence certificate;

3. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);

4. Have a good credit record and willingness to repay;

5, with a stable source of income and the ability to repay the loan principal and interest in full and on time;

6. 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, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations;

7. Can provide legal, effective and reliable mortgage (pledge) recognized by the bank;

8. Open a personal settlement account in China Industrial and Commercial Bank;

9. Other conditions that meet the requirements of the corresponding loan varieties.

Refer to Baidu Encyclopedia-China Industrial and Commercial Bank personal loan online loan link.