Icbc financial e-loan ICBC's personal credit loan brand is used for personal consumption, unsecured, unsecured and pure credit. The maximum loan amount is 200,000 yuan, and the loan period is flexible. The longest term is generally 2 years, and some customers can enjoy up to 5 years. Preferential interest rate, daily interest, early repayment. The application is convenient, and can be handled through ICBC e-life, e-bank, e-bank, online banking, or at ICBC outlets.
Easy credit card. The credit card products issued by China Industrial and Commercial Bank to the public are linked with merchants for installment consumption. Users are not allowed to withdraw cash or make overdraft transfer when paying in installments at the merchants designated by China Industrial and Commercial Bank. The credit line is 3000- 10000 yuan, and the longest interest-free period is 56 days. The withdrawal amount is 50% of the credit line, and the installment interest rate is favorable, which is lower than that of ordinary credit cards.
Personal cultural consumption loan. Renminbi loans granted by China Industrial and Commercial Bank to borrowers for personal education and training, tourism, wedding, beauty and fitness, club membership and other cultural consumption purposes. The application can be restored at one time, which is convenient and fast. The maximum loan amount is 654,380,000 yuan, and the longest loan period is 65,438+00 years. There are various forms of guarantee, such as mortgage, pledge, guarantee, credit, satisfactory guarantee or partial guarantee.
What are the application conditions for ICBC's personal credit loan?
China citizens between 1, 18 (inclusive) and 60 (inclusive) with full capacity for civil conduct.
2. Have legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located.
3 has a stable source of income and the ability to repay the principal and interest of the loan in full on time.
4. Have a good credit record and willingness to repay, and no illegal acts or bad records.
5. Obtained a risk level of Grade B or above in the retail internal rating system of China Industrial and Commercial Bank.
6. ICBC has a group of customers with four or more stars.
7. I opened a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by the bank.