ICBC Ronge Loan is a personal credit consumption loan launched by Industrial and Commercial Bank of China, which has the following advantages: preferential interest rate: Ronge Loan bears interest on a daily basis. At present, e-loan is 10000 yuan (one year), and the minimum daily interest is less than 1 yuan. Revolving credit: it can be repaid with the loan and repaid in advance. Support average capital and equal principal and interest, and some customers support paying interest on schedule and repaying the principal at one time. Flexible term: the shortest loan term of Rong E is two months, and the longest is generally two years. Some customers can enjoy a longer term. You can flexibly choose the number of loan periods within the longest loan period. Better experience: no mortgage, no guarantee, pure credit, self-service application up to 200 thousand. Convenient application: You can handle it yourself through various online channels such as ICBC e-life, e-finance, e-finance, online banking, etc. You can also handle it at our business outlets, and the loan will be received in real time as soon as possible.
From application to lending, ICBC (Rongge) can check whether it can handle loans and credit lines online in real time through mobile phones, computers and mobile terminals, and receive them in real time as soon as possible, thus realizing the organic integration of "consumer finance++Internet" and realizing online self-help, automatic business handling and accurate risk monitoring of the Internet. The characteristic of ICBC Financial E-loan is its low price. The daily interest rate of 65438+1 00000 yuan is about1yuan, which is lower than the interest rate of similar loans in the market. The loan term is long, with the longest term not exceeding 5 years and 12 months. Customers can realize one-click online lending through online banking or mobile banking. Repayment is more flexible. Customers can choose four repayment methods: equal principal and interest, equal principal and interest, installment payment, one-time principal and interest, and one-time principal and interest, so as to better meet the multi-level and diversified consumer financing needs of different groups.
E-loan is an active credit product, mainly aimed at ICBC's existing credit card users. China Industrial and Commercial Bank has 47 million white list customers of personal consumption credit. The next step will include social security, taxation, provident fund and other off-bank information, and the number of white-listed customers will reach 654.38 billion. From the traditional banking business to the Internet, Ronge Loan is the consumer credit product with the most Internet genes in ICBC's product line. ICBC Financial E-Loan can go from application to lending through online channels such as mobile phones, computers and mobile terminals. It is understood that the interest rate of ICBC's financing loans is lower than that of similar loans in the market. The longest loan period is 5 years, and the longest grace period is 12 months. Customers can borrow money online with one click through online banking or mobile banking.
Industrial and Commercial Bank of China Rong E Street
Rong e loan is a personal credit loan brand of ICBC, with a maximum term of 2 years, and some customers can enjoy a maximum term of 5 years. The maximum amount of self-service application is 200,000. After the application is successful, the loan amount will occupy the credit card amount. Please refer to the actual treatment for details.
(Answer time: March 2022 1 1. In case of business changes, please refer to the actual situation. )
What is commercial finance electronic loan?
E-loan for industrial and commercial finance refers to a loan product launched by Industrial and Commercial Bank of China, but it must be issued to borrowers who meet certain conditions when applying. The maximum amount from 600 yuan is 800,000 yuan, and the amount can be recycled. The loan term is generally 2 years, and the longest is 5 years. There is no mortgage, no guarantee and pure credit when handling, and different users get different credit lines.
Users can choose the repayment method and time according to their own income when handling loans. The repayment method supports four repayment methods: matching principal and interest, average capital, one-time repayment of principal and interest on schedule and one-time repayment of principal and interest, and supports early repayment. Repayment cannot be overdue, otherwise there will be a penalty interest.
When applying for e-loan, you can apply through online banking and mobile banking "one-click loan" and business outlets. The requirements for the application include that the borrower 18-60 years old and has full capacity for civil conduct; The applicant's work unit or habitual residence should be in the location of the loan issuing institution; Other conditions stipulated by China Industrial and Commercial Bank.
The loan applied for by Ronge Loan can be used for car purchase, home improvement, tourism, shopping and consumption, but it is not allowed to enter the securities market, futures market, equity investment and real estate market, and it is not allowed to be used for private lending. It should be noted that overdue repayment of e-loan will lead to the deterioration of personal credit information.
Version information: Take China Industrial and Commercial Bank 7. 1.0.3. 1 version, Apple13 (IOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.
Is ICBC Rong e-loan an ICBC APP?
ICBC has no "e-loan" App. "Ronge Loan" is a personal credit loan brand of ICBC, which refers to unsecured and unsecured RMB loans issued by ICBC to borrowers who meet certain conditions for personal legal compliance purposes, and the funds will be transferred to the debit card account specified at the time of application.
Recently, some criminals have made the "ICBC e-loan" cottage APP, pretending to be ICBC staff to sell "ICBC e-loan" products to customers, and defrauding customers' funds through fake websites in SMS links. At present, ICBC has reported to the relevant state departments to ban the relevant websites involved in counterfeit apps.
If you need to borrow money, please apply through ICBC's official APP (mobile banking, ICBC e-student) and outlet counter channels. If you have disclosed personal information such as cards, passwords and certificates when applying for the bid, in order to ensure the safety of your funds and personal information, it is suggested that you stop paying, report the loss, open and modify the passwords of the relevant cards as soon as possible. At the same time, please report the case to the public security organ as soon as possible, and ICBC will cooperate with the public security organ to handle it accordingly.
(Answer time: August 26th, 2020. In case of business changes, please refer to the actual situation. )