How to apply for a personal loan through ICBC mobile banking?

After logging in to online banking, registered customers of ICBC online banking can choose the branch to handle in the "Online Loan" column, fill in the relevant application information and initiate personal first-hand housing loans, second-hand housing loans, and commercial housing loans online. ;

For seven types of loan applications, including automobile consumer loans, comprehensive consumer loans, personal business loans, and personal credit loans, the application records will be sent directly to the customer's designated branch. Applicants can inquire through online banking or Processing progress of loan applications submitted over the counter.

Extended information

The borrower must properly keep the mortgaged property during the mortgage period, be responsible for repairs, maintenance, and ensure that it remains intact, and accept the supervision of the lender at any time. examine. The lender may not dispose of the mortgaged property without authorization before the mortgage period expires; during the mortgage period, the mortgagor may not re-mortgage or rent, transfer, sell or give away the mortgaged property without the consent of the lender.

If the pledge method is adopted, the pledgor and the pledgee must sign a written pledge contract, and the pledge contract will be suspended until the borrower repays all the principal and interest of the loan; for the set pledge, before the expiration of the pledge period , the lender shall not dispose of it without authorization. During the pledge period, if the pledged property is damaged or lost, the lender shall bear the responsibility and be responsible for compensation.

Baidu Encyclopedia - Can Industrial and Commercial Bank of China lend personal loans?

Industrial and Commercial Bank of China can lend money. As one of the five major banks in China, ICBC provides business for both personal loans and corporate loans. People can apply for loan business through ICBC mobile banking, online banking, and ICBC counters.

1. Mobile banking loan: Log in to the ICBC APP on your mobile phone, click the loan button on the "Favorites" page, and select the type of loan you need. If you meet the loan conditions, you can directly apply for the loan.

2. Online banking loan: Log in to ICBC online banking, click Loan on the My page, and follow the page prompts to complete the loan.

3. Apply for a loan at the counter: Bring your ID card and bank card, go to the counter to fill out the loan application, and then provide the mortgage asset certificate and other information to complete the loan.

For more information about whether ICBC can lend money, go to: View more content whether ICBC can lend money on its mobile phone? Are there any of these products to choose from

;? Many people want to know whether ICBC loans can be made on mobile phones, and here I can tell you that it is for sure. Loans from ICBC on mobile phones are actually very simple. Just download an ICBC mobile banking and click Loans on the homepage to see all the loan products that support mobile banking. Just select the loan product you want to apply for.

Can I get a loan on the ICBC mobile phone? ICBC mobile banking loans include e-loans for small and micro businesses, pledge loans, personal home purchase loans, and personal home mortgage loans, which are suitable for lenders with different qualifications. 1. Rong e-borrowing is a personal consumption credit loan, suitable for ordinary office workers. Borrowers can apply even if they have no assets, but they must have a stable job income and good credit. When applying, a U-shield or cipher device must be used for signature verification. , operate the loan according to the prompts. Please note that Rong e-loan does not support ICBC directors, supervisors, managers, credit practitioners and their close relatives. 2. Small and micro e-loans are operating loans. Small, medium and micro business owners or self-employed households can apply for them with a business license, tax certificate, etc. It also includes a variety of products, such as quick business loans applied for with credit, and real estate loans. You can apply for e-quick loans for real estate, online loans for real estate, e-chain quick loans for upstream/downstream core enterprises, etc. 3. For pledge loans, lenders with financial assets can apply. The financial assets used for pledge are different depending on the purpose of the loan such as consumption and business. Note that there are application restrictions for pledge loans. Each person cannot apply for more than 3 pledge loan contracts per day, and no more than 15 within a month. 4. Personal home purchase loans are suitable for borrowers who want to buy a house. Lenders can fill out the loan application form on ICBC mobile banking, and then after passing the preliminary review, they have to go to the local ICBC branch to submit information offline, have an interview, etc. Specific requirements can be consulted Local ICBC loan outlets.

5. For personal housing loans, you apply for a loan from a bank using a property with clear property rights in the borrower's name as a guarantee. When taking a loan, you need to choose the corresponding loan purpose. Some areas do not support online processing. Please refer to the instructions on the loan page for details. The above is the relevant introduction to "Can I get a loan on the ICBC mobile phone?" I hope it will be helpful to everyone. Can I get a loan from ICBC on my mobile phone?

Yes. ICBC mobile loan is a reliable mobile loan, because ICBC mobile loan is a loan product of the Industrial and Commercial Bank of China. It has strong backing from ICBC and is trustworthy.

The following are the loan conditions for borrowers to apply for ICBC mobile loans:

1. The borrower is over 18 years old and under 65 years old;

2 , the borrower has good behavioral ability and is a mainland citizen;

3. The borrower provides valid identity certificate, household registration certificate, and marriage status certificate of the Industrial and Commercial Bank of China;

4. The borrower has a stable The source of income and the ability to repay the principal and interest of the loan in full and on time;

5. The borrower has a clear purpose of the loan; the purpose of the loan complies with national laws, regulations and relevant regulations.

ICBC Mobile Loan is a mobile loan worth borrowing. The process for borrowers to borrow money from ICBC Mobile Loan is as follows:

1. Open the homepage of ICBC Mobile Loan and register with ICBC. Create a bank mobile loan account and log in;

2. Log in to the ICBC mobile loan account and click Personal Loan to enter the personal page;

3. Complete personal information and wait for review by ICBC mobile loan customer service;

4. After passing the review, the borrower will obtain the corresponding amount;

5. The borrower enters the loan amount and repayment period on the loan page;

6. Industrial and commercial After the bank mobile loan is disbursed, the borrower repays the loan on time.

Log in to ICBC personal mobile banking version 6.7.0, click "Personal Loan" and follow the page prompts to apply for easy loans and pledge loans. Note:

1. Loans must comply with the conditions stipulated by ICBC.

2. Currently, only time deposits are supported for pledge loans.

Application conditions:

1. Natural persons with full capacity for civil conduct, aged between 18 (inclusive) and 65 (inclusive); foreigners and those from Hong Kong, Macao, and If a Taiwan resident is the borrower, he should have lived in the People's Republic of China for one year and have a fixed residence and occupation

2. Have a legal and valid identity certificate, household registration certificate (or valid residence certificate) ) and marriage status certificate (or unmarried statement);

3. Have a good credit record and willingness to repay

4. Have a stable source of income and repay the loan principal and interest in full and on time Ability

5. Have a clear purpose for the loan; the purpose of the loan complies with 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 or real estate projects in any form Development, not for borrowing money to obtain illegal income, and other projects that are clearly prohibited from operation by laws and regulations of other countries

6. Be able to provide legal, effective and reliable house mortgages recognized by banks

7. Open a personal settlement account at ICBC

8. Other conditions stipulated by the bank