You can go.
ICBC Financial Online Loan can be opened at the counter of ICBC business outlets, or a bank account can be opened through ICBC online banking and ICBC mobile phone. Borrowers can choose the financing e-loan opening method that suits them based on the actual situation.
If the borrower does not want to open an account at the counter of an ICBC branch, he can log in to ICBC Mobile Banking via his mobile phone, click Favorites, click Loans, then click Credit Consumer Loans, and finally click Apply for a Loan to apply for ICBC Financial e-Banking loan. If the borrower does not want to open ICBC Financial e-loan through ICBC mobile banking, he can log in to ICBC online banking to open ICBC Financial e-loan. Borrowers can log in to ICBC online banking, click Loan, then click Financial e-Loan, and finally click Apply Now.
If the borrower does not meet the conditions for ICBC Financial e-loan, he or she can often use an ICBC credit card to accumulate credit at ICBC for deposits, wealth management, funds, precious metals and other financial services. Applying for ICBC Financial e-Loan requires U-shield or electronic password encoder for identity verification. ICBC Financial e-loans calculate interest based on the actual number of loan days, and the interest rates are differentially priced. ICBC Financial e-loan should be repaid at the same time, and the borrower can repay in advance. It supports two repayment methods of equal principal and interest and equal principal. Some borrowers support repayment of principal and interest on schedule.
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1. Rong e-loan refers to unsecured and unsecured RMB loans issued by ICBC to borrowers who meet specific conditions for personal legal compliance purposes. Financial electronic lending can be used for car purchases, home decoration, travel, shopping, etc., but it is not allowed to enter the securities market, futures market, equity investment and real estate market, it is not allowed to be used for private lending, and it is not allowed to be used for matters expressly prohibited by national laws and regulations.
2. ICBC e-financing conditions: Chinese citizens with full capacity for civil conduct, aged between 18-60 years old; the applicant’s work unit or regular residence is where the loan-issuing institution is located; there is a permanent Job, stable source of income or reliable repayment guarantee; other conditions specified by ICBC.
3. Features of ICBC e-loan: low financing costs. Financial online loans calculate interest based on the actual number of days the loan is occupied. The interest rate is differentially priced and is subject to the display at the time of business processing. Revolving credit, repay as you go. Early repayment is possible, and two repayment methods of equal principal and equal principal and interest are supported. Some customers support repayment of principal and interest on schedule.
4. Flexible term. The minimum term of financial electronic loans is two months and the maximum is two years. Some customers are eligible for longer terms. Customers can flexibly choose the number of loan periods within the maximum loan period.
5. For a better experience, Rong e-borrowing is an unsecured, unsecured, pure credit loan product.
6. ICBC Financing e-Loan Process: Log in to your personal account, open "Wallet", and click the "Integrated e-Loan" icon; then, in the interface that appears, follow the prompts to accept and enter the SMS verification code. Then click "View My Quota" at the bottom of the page; if the page displays the words "Congratulations on obtaining Ronger Loan qualification", it proves that you are qualified to use Rongger Loan, otherwise you are not qualified; then click "Borrow Now" and the application is successful , you can see the available amount.
7. Industrial and Commercial Bank of China's e-loan loan limit. The loan limit of e-loan is between 600 yuan and 800,000 yuan, which is subject to the actual display on the interface when the customer handles the application.
8. Industrial and Commercial Bank of China e-loan loan period. The minimum loan period of ICBC e-loan is two months and the longest is usually two years. Some customers are eligible for longer terms. Customers can flexibly choose the number of loan periods within the maximum loan term.
9. ICBC e-financing loan interest rate, the e-financing loan interest rate is increased by 50% or 6.525% based on the central bank’s benchmark interest rate. However, this floating coefficient is not fixed because ICBC often launches some preferential interest rates. For example, in April this year, ICBC e-loan loan interest rate just launched an ultra-low interest rate term discount activity, with the lowest one-year interest rate being 4.35%.
10. ICBC e-loan repayment method, financial online loan supports two repayment methods: equal principal and interest and equal principal and interest. Some customers can pay interest on schedule and repay the principal in one lump sum. Repayment can be made in advance. Currently, there are no liquidated damages.
Operating environment:
Redmi Note 9 Pro MIUI12.5.3
ICBC mobile banking app v7.0.1.1.2
Browse Computer side: macbookpro mos14 open google version 92.0.4515.131