E-loan refers to unsecured and unsecured RMB loans issued by ICBC to borrowers who meet certain conditions for personal legal and compliant consumption purposes.

Go to official website to check the authority if necessary, so as not to mislead some wrong information.

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.

What is ICBC Rong e-loan?

ICBC Ronge loan is a personal credit loan of our bank, which is unsecured, unsecured and pure credit. Self-service channel applications can reach up to 300,000 yuan, and the longest loan period is generally 2 years, and some customers can enjoy a longer period. Please refer to the channel display at the time of application for the actual interest rate.

Visit the mobile phone to check the loanable amount and lend it immediately.

(The above contents will be answered by ICBC's intelligent customer service "Gong Xiao Zhi" on 065438+ 10/4, 2020. In case of business changes, please refer to the actual situation. )

What kind of loan is Rong E loan?

Rong e loan is an unsecured and unsecured RMB loan issued by ICBC to borrowers who meet certain conditions for personal legal and compliance purposes. E The loan amount is 6 million-800,000, which is subject to the actual display of the interface when the customer handles it. Support the repayment methods of average capital and equal principal and interest, and some customers can pay interest on schedule and repay the principal at one time.

When handling e-loan, the borrower should be 18-60 years old and have full capacity for civil conduct. The applicant's work unit or habitual residence should be in the location of the loan issuing institution, with a fixed job, a stable source of income or a reliable repayment guarantee; Personal credit is good; Other conditions stipulated by China Industrial and Commercial Bank.

The shortest loan period is two months, and the longest is generally two years. After the loan is completed, it can be returned in advance, and the bank does not charge liquidated damages. When applying for e-loan, you can handle it by yourself through various online channels such as mobile banking, online banking, "ICBC e-life" app and "ICBC e-link" app.

Users must repay E-loan on time, and there can be no overdue repayment, because there will be penalty interest after overdue repayment. The longer the time, the more penalty interest. And after the overdue repayment, the bank will collect it. The common collection is to call the borrower, and then overdue repayment will lead to poor personal credit information.