What loan products does ICBC have? Loans are the basic business of banks, and ICBC is one of the four state-owned banks. Of course, there are many loan products. Next, the editor will briefly introduce it.
First, mortgage loans.
1, housing provident fund (portfolio) loan
Housing provident fund loan is a special housing consumption loan based on housing provident fund, which is aimed at people who pay housing provident fund and is used to buy, build, renovate and repair their own houses.
2. One-handed personal mortgage loan
Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of houses built and sold by real estate development enterprises according to law.
3. Second-hand personal housing mortgage loan
Second-hand personal mortgage loan refers to the mortgage loan issued by the lender to the borrower. The person used to buy and sell the house has obtained the house ownership certificate and has the complete right to dispose of it, and can legally trade the house mortgage loan in the secondary market.
4. Personal mortgage loan with fixed interest rate
Fixed-rate personal housing mortgage loan refers to the personal housing mortgage loan issued by the lender to the borrower, and the loan interest rate does not fluctuate with the interest rate adjustment of the People's Bank of China or the change of market interest rate within the agreed period.
5. Direct personal housing loans
Direct personal housing loan refers to the personal housing loan that the borrower directly applies to ICBC without the introduction of real estate development enterprises or real estate brokerage companies.
6. Personal self-built housing loan
Personal self-built housing loans refer to self-built housing loans issued by lenders to borrowers.
Second, consumer loans.
1, jung borrowed
Rong e loan refers to the unsecured and unsecured RMB loan issued by our bank to borrowers who meet certain conditions for personal legal and compliant consumption purposes.
2. Personal household consumption loans
Personal household consumption loan is a RMB loan for household consumption issued by Industrial and Commercial Bank of China to borrowers, which is used to decorate houses and buy bulk consumer goods such as house decoration materials and durable consumer goods.
3. Personal car loan
Personal car loan is a RMB-guaranteed loan issued by Industrial and Commercial Bank of China to customers who apply for car purchase.
4. Easy loans
Easy Loan is a credit consumption credit service provided by China Industrial and Commercial Bank, in which customers use ICBC debit cards (or passbooks) and credit cards when ICBC merchants make credit card consumption or online shopping according to certain rules.
5. Personal cultural consumption loans
Personal cultural consumption loan is a RMB loan issued by China Industrial and Commercial Bank to borrowers for personal education and training, travel, wedding, beauty and fitness, club membership activities and other cultural consumption purposes.
6. Personal allowance
The national student loan is a RMB loan issued by China Industrial and Commercial Bank to students with financial difficulties in colleges and universities who have signed cooperation agreements in China (excluding Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan Province Province) to pay tuition, fees and living expenses.
2. What products does ICBC loan have?
1. Rongge loan refers to unsecured and unsecured RMB loans issued by our bank to borrowers who meet certain conditions for personal legal and compliant consumption purposes. 1 year loan interest rate 5. 22%, 1 year or above, the loan interest rate is 5. 7%。 600 yuan borrows money with a maximum amount of 800,000 yuan, a maximum term of 5 years and a maximum grace period of 12 months. The repayment method is flexible, supporting early repayment and the fastest real-time payment.
2. Individuals are RMB loans granted to customers by China Industrial and Commercial Bank with legal and effective collateral as the guarantee. The minimum amount for a single transaction is 500 yuan, with a maximum of 300,000 yuan, and the maximum amount for a single household is100,000 yuan. The loan period is free, the shortest is 8 days, and the longest is 1 year. You can choose any number of days in this interval. Simple operation process, self-service, automatic approval and quick receipt.
3. Easy Loan Easy Loan is a credit consumption credit service provided to customers who hold their own ICBC debit and credit cards when they swipe their cards at ICBC merchants or shop online. There is no need to mortgage, sign in person, submit loan information and wait for loan approval. A single consumption of 100 yuan can be handled, and the maximum amount of a single household can reach 200,000 yuan. Debit cards and credit cards can be used, and the loan period is up to 3 years, which can be repaid with the loan.
4. Online lending refers to personal revolving loans that customers apply for, withdraw and repay loans through Internet channels such as counters or online banking and mobile banking. Loans have a wide range of uses, simple and fast procedures, and can meet the demand for funds anytime and anywhere. A variety of mortgage (pledge) loans can be used, and the loan funds can be recycled, which supports repayment as you borrow.
5. Personal home consumption loans Personal home consumption loans are RMB loans aimed at home consumption such as decoration and decoration of houses, purchase of home decoration materials and durable consumer goods. The maximum loan amount can reach 6,543,800 yuan. The longest loan period can reach 5 years.
3. What is the loan fee of ICBC?
The classification standards of loan types are diversified, and there are different classification methods according to different standards. The selection of loan classification criteria should be based on the requirements of national economic management and bank credit management. According to the economic nature of the loan subject, 1. Loans from state-owned and state-controlled enterprises. 2. Collective enterprise loans. 3. Private enterprise loans. 4. Individual industrial and commercial loans. According to the credit degree of the loan, 1. Credit loan. 2. Secured loan: secured loan, mortgage loan. 3. Bill discount. 1. Short-term loans are divided according to the service life of the loans. 2. Medium and long-term loans. Divided by 1. Working capital loans are classified according to the professional forms of loans in social reproduction. 2. Fixed capital loans. According to the loan quality, 1. Normal loan. 2. non-performing loans. Non-performing loans include non-performing loans, sluggish loans and overdue loans. So you can't simply say what types of ICBC loans are, it depends on your needs.
4. What are the types of consumer loans of ICBC?
Types of savings business, interest-bearing small mortgage loans, personal comprehensive consumption loans, personal travel loans, national student loans, and individuals.