The specific ways of ICBC loan are:
First, through ICBC mobile banking loans. Log in to ICBC Mobile Banking, find the loan option on the home page, select personal credit loan "ICBC e-loan", and then follow the instructions on the page.
2. ICBC online banking loan. Log in to ICBC Online Banking, click Apply for Loan, select personal credit loan "ICBC Finance E Loan", and then follow the prompts on the page.
Third, apply for loans through ICBC e-Life APP. Download and open the ICBC e-Life APP, select a loan after logging in, click the personal credit loan "ICBC e-Loan", and then follow the prompts on the page.
4. Go to the business outlets of ICBC. Bring your personal ID card, household registration book and other relevant information and go directly to the ICBC offline counter.
Can I borrow money from ICBC's salary card?
1. ICBC's payroll card loan application: When applying for a loan, the borrower shall provide the following information to the lender: 1, loan application approval form; 2. My valid ID. Two. Term and interest rate of ICBC's payroll card loan: (1) The loan term is below 1 year (inclusive). (2) The loan interest rate is subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range is subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months. (3) The starting point of the loan amount is 2,000 yuan, and the loan amount shall not exceed 6 times of the borrower's monthly salary, and the maximum amount shall not exceed 20,000 yuan. (4) Generally, loans are not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.
How does ICBC borrow money?
How to handle the ICBC loan?
Application place: 1, local bank outlet; 2, the local bank credit card center staff; 3. ICBC and CCB support official website's application.
Application conditions: 1, at least 18 years old; 2. Have a stable repayment ability.
Submit proof: 1, ID card; 2. Work certificate or income certificate; 3. Work phone, home phone and my mobile phone; 4. Tax payment certificate; 5. Proof of assets such as real estate and vehicles under the name of the individual; 5, other bank credit cards and so on. The entry standards of each bank are different, so the above information may not be all, depending on the requirements of the bank. Work or income proof is very important.
In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.
First, please ask the credit card salesman or lobby cashier to fill out the application form. The other party will generally ask you to fill in the application form when your conditions are likely to approve the card, and then submit the above information to the bank for approval. Whether or not to approve the card and the amount of the card depends on the comprehensive score of the bank. Good luck! Please accept the answer and support me.
How to apply for a loan through ICBC online banking?
After you successfully open online banking, log in to ICBC's online banking, select the "Favorites-Loan-Apply for Loan" function, select the loan type according to the screen content, and then follow the prompts on the page.
Special instructions:
Except for credit consumption loans, other types of loans need to submit relevant information and sign an agreement at the loan bank.
There are differences in loan business types in different regions. Please refer to the page display for details.
How to handle personal loans of ICBC? What is the procedure?
Bring the applicant's ID card, income certificate, other assets certificate and documents required by the bank.
How to borrow a loan from ICBC's salary card
Is ICBC a mortgage loan or a secured loan?
How to repay the ICBC loan?
Please deposit the full amount into the repayment account by means of self-service machine, online banking, mobile banking transfer or deposit in business outlets before the loan repayment date, and the system will automatically deduct the money on the repayment date.
How to borrow ICBC credit loan?
Loan processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions; 4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
How to inquire about ICBC loans?
Both are possible.
In fact, as long as you personally ask the ICBC that signed the loan, the truth will come out.
Can ICBC handle personal loans?
Yes, but it is more demanding.
Application conditions
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by the bank.
In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:
(1) Senior and middle-level managers and senior professional and technical personnel of ICBC's quality company customers;
(2) Personal assets of more than 2 million yuan (inclusive);
(3) Peony Platinum Card customers;
(4) Holding the personal financial account of China Industrial and Commercial Bank 1 year (inclusive) or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);
(5) He is a personal loan customer of China Industrial and Commercial Bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).
How to find out how much personal loan ICBC has left?
The easiest way is to call the customer service hotline 95588 of the work bank, and then transfer to manual service according to the prompt, so that the manual can help you check.
China Industrial and Commercial Bank repaid the loan.
1. The applicant shall bring the repayment account, loan contract, ID card and other materials to ICBC Branch for handling.
2. In the process of inquiring about the applicant's information at ICBC outlets, it is not mandatory to make an appointment in advance.
3.20 16 ICBC repays the loan in advance at most once a year.
4. Repayment in advance: ICBC stipulates that it must be more than 6 times the monthly payment. For example, if the applicant pays 2000 yuan a month, it must reach 2000 yuan ×6= 12000 yuan if he wants to repay the loan in advance.
5. Whether there is liquidated damages for repaying the loan in advance depends on the agreement signed by the mortgagor and the bank. Give it if there is an agreement, and don't use it if there is no agreement.
6. There are three ways for ICBC to repay the loan in advance. Pay in one lump sum; It is also a part, the monthly payment is unchanged and the repayment period is reduced; Still a part, the fixed number of years remains unchanged, and the monthly supply is reduced. The specific repayment situation shall be subject to the provisions of the loan branch.
Can I borrow money from ICBC's savings card?
Debit cards cannot be used for loans. Credit cards can be used for loans.
Debit card is a credit tool issued by the issuing bank to the society, which has the functions of transfer settlement, cash deposit and withdrawal, shopping consumption and so on.
Debit cards do not have overdraft function, and the consumption feature is "pay first, then consume". Because personal savings are liabilities to banks, they are debited, so they are called debit cards.
Debit cards of many banks are not only RMB current savings cards, but also time deposits and foreign currency deposits.
Many bank debit cards have passbooks corresponding to them, which is convenient for customers to know the use of funds at any time.
Extended data
Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it.
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions.
Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.
A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash.
Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.