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3. ICBC's personal consumption loan was rejected? The problem often lies in these four aspects!
With the change of life concept, more and more people choose to spend in advance through consumer loans. However, many people were rejected when ICBC applied for consumer loans. So, what is the reason why ICBC's personal consumption loan was rejected? Let me tell you why here.
There are many reasons why ICBC's personal consumption loan is rejected, but there are four common reasons. Details are as follows: 1. Lack of personal credit In ICBC's personal consumption loans, whether it is E loans, personal home consumption loans or personal cultural consumption loans, the requirements for borrowers' credit reporting are very high. Therefore, if the borrower's personal credit is insufficient, it is normal for the loan to be rejected. 2. The use does not meet the requirements. Many products in ICBC's personal consumption loans need proof of use. If everyone's purpose is unclear, or the use certificate does not meet the requirements, then the loan will also be rejected. 3. Insufficient mortgage guarantee Although loan products such as Rong E Loan do not need mortgage or guarantee, some ICBC personal consumption loan products still need mortgage or guarantee. If everyone's mortgage guarantee does not meet the requirements of ICBC, or the value is insufficient, then the loan will also be refused. 4. Income problem To apply for personal consumption loans from ICBC, you must have a stable income, and the income should not be too low. If everyone's income is unstable or low, it is easy to be rejected. The above are the main reasons why ICBC's personal consumption loan was rejected. You can see if it is the same as your own situation. For a friend whose personal consumption loan is rejected by ICBC, it is impossible to get a loan in the short term, and it will take about 3 months to try again.
4. What is the personal consumption loan interest rate of ICBC?
Rong e loan refers to the unsecured and unsecured RMB loan issued by ICBC for personal legal and compliant consumption purposes.
1, the interest rate is lower.
1 year loan interest rate is 5.7%, loan 1 000 yuan, and daily interest is about 1 yuan.
2. The quota is higher.
600 yuan borrows up to 800,000 yuan.
3. The term is longer
The longest loan period is 5 years, and the longest grace period is 12 months. There is no need to repay during the grace period, and early repayment is supported.
4. Flexible repayment
Support equal principal and interest, average capital, one-time principal and interest repayment on schedule and one-time principal and interest repayment.
5. Better experience
Unsecured, unsecured, pure credit, with the loan; It can also be handled through online banking and mobile banking, and the loan can be received in real time at the first time.
I. Related issues
1, jung borrowed
When handling business, you can inquire about the specific loan preferences through online outlets and other channels.
2. What is the grace period?
Grace period refers to the deferred repayment period that can be enjoyed by different loan periods. During the grace period, interest will be calculated normally, but repayment is not required. After the grace period is over, the repayment will be equal every month.
3. Is there a penalty for prepayment?
There is no liquidated damages at present.
Step 4 melt e
Ronge loan can be used for car purchase, home improvement, tourism, shopping and consumption, but it is not allowed to enter the securities market, sex investment, real estate market, private lending, or any field explicitly prohibited by national laws and regulations.
5. What are the channels for electronic book borrowing?
Financing e-loan can be divided into online processing, online banking and mobile banking; Offline yes
Two. China Industrial and Commercial Bank Personal Consumption Loan Application Conditions
1, a China citizen with full capacity for civil conduct, aged 18-60 years old.
2. The applicant's work unit or habitual residence should be in the location of the loan issuing institution;
3. Have a fixed job, a stable source of income or a reliable repayment guarantee;
4. Other conditions stipulated by China Industrial and Commercial Bank.
Third, personal home.
Personal housing consumption loans are RMB loans for household consumption in China for industrial and commercial decoration, housing decoration and purchase of other large consumer goods.
1. The loan can reach 1 ten thousand yuan.
2. Term of loan
3. Various forms of guarantee can be adopted: mortgage, pledge, guarantee, credit, compound guarantee or partial guarantee.
Ability: one-time application, recycling, loan repayment, convenient and fast, channel self-help loan issuance. The loan method can be used for personal housing consumption loans under the maximum guarantee and can be recycled.