As one of the four state-owned banks, ICBC's loan interest is quite low. Its flagship personal consumer credit loan is called "Rong E Loan". Many people submitted their applications, but they were all rejected by ICBC. Why is it unqualified? Is it so difficult for ICBC to borrow E?
Icbc e-loan is a small credit loan, and bank credit loans need to be checked. At the same time, the application conditions are mostly for everyone to check the reasons for possible loan failure:
1, personal credit is bad.
ICBC Financial E will check the user's credit information at the stage of checking the user's qualification. If the credit is not good, it is generally difficult to pass the audit. If the credit is tainted, it will be automatically eliminated after 5 years. Remember to use it normally after paying off the debt.
2. Not in the white list
Many users say that I have good personal qualifications and good credit, and even have an ICBC credit card. Why did I fail to apply for electronic book borrowing, and I didn't meet the requirements? Ronge loan is a white list system, and ordinary civil servants, institutions, large state-owned enterprises and other high-quality customers will be given priority. If you want to check whether you are a whitelist customer, you can download ICBC mobile banking directly to check.
3. E-banking registers debit cards to bind securities accounts.
Because bank loans are clearly not allowed for investment, gambling, etc. If the bank detects that your bank card is bound to a similar account, it is likely to be judged unqualified by the system. You can change another ICBC debit card at this time.
4. Insufficient credit line
If you have an ICBC credit card in your name, the next repayment amount borrowed by Rong E is generally 80% of your credit card amount. For example, if your credit card limit is 50,000, and you use 40,000+,then you can't borrow it with E.
Reminder: If you are a high-quality customer such as a civil servant, a public institution or a large state-owned enterprise, but you are not in the white list of ICBC, you can directly bring the information to the local branch for submission, and the success rate is higher.
What are the conditions for ICBC to finance e-loan? You don't have to use a credit card.
For more exciting information about financing e-loan, please click on the topic of financing e-loan to get more professional loan market information!
Did ICBC fail to apply for e-loan? That's why you were rejected!
Nowadays, more and more people apply for petty cash loans. For most people, commercial banks are the first choice to apply for loans. However, many people can't get bank loans smoothly. Many people failed to apply for ICBC's electronic loan. Today I will introduce the reasons and solve the political reform.
In fact, the application conditions of ICBC e-loan are not very high. Compared with the traditional bank loan products, ICBC e-loan does not require the owner to provide mortgage and guarantee, and it is relatively easy to pass. If your application is unsuccessful, the main reasons may be:
1. The applicant is over 60 years old;
2. No fixed job or stable income source;
3. The borrower's credit is not very good, and there is an overdue record of loans overdue or credit card;
4. I have never done business in ICBC, and I have not been known by ICBC.
5. There were some bad records when handling business in ICBC before;
The above is the general reason why ICBC failed to apply for e-loan. If you want to successfully get a loan from ICBC Financial E, then you should try to do this:
1. Go to ICBC offline outlets to apply for e-loan, and submit proof of income or work;
2. Take the initiative to reduce your debt ratio and return some bank loans and credit card arrears;
3. Don't try to apply again immediately, it will take a while, so ICBC's evaluation of everyone may change.
ICBC Rong E has a credit line, but the audit failed.
Conditions for applying for electronic loans:
1. China citizen with full capacity for civil conduct 18 years old or above;
2. The applicant's work unit or habitual residence should be in the location of the loan issuing institution;
3. Have a fixed job, a stable source of income or a reliable repayment guarantee.
4. According to the regulatory requirements, the related parties of ICBC (ICBC directors, supervisors, managers, credit practitioners and their close relatives) cannot apply for e-loan at present.
Financing e-loan application channels: online banking, mobile banking, smart terminals, ICBC e-life, financing e-link or going to outlets with my valid ID card.
1. Online banking path: full credit card-card -e loan;
2. Mobile banking path: favorite-financing e-loan;
3. ICBC e-life path: enter the function through "I want cash-wealth management e-debit" in the middle of the "Finance" page; Enter the function through the icon area "All-Financial Function-Financing E-Loan" at the top of "Select" or "Up to 800,000 Loans" in the middle of the page.
4.E-link path: e-link path: home page-all business handling-borrowing money.
Whether the loan can be processed, the loan amount and interest shall be subject to the system display or the staff's notification.
(Answer time: July 20th, 20021year. In case of business changes, please refer to the actual situation. )
An analysis of the reasons why one line of ICBC e-loan failed to pass the examination.
The reasons for the failure of ICBC's e-loan line are as follows.
1. No bank card to lend money.
It is not the head office of ICBC that approves the e-loan of ICBC Finance, but the bank outlets. So it is necessary to call the customer service of the bank to find out where the bank gives you the quota. If you don't have an ICBC card there, you can't get a loan. For example, if your e-loan is approved by Changsha ICBC, then you must apply for an ICBC card in Changsha to get a loan.
2. Poor personal credit report.
Bad personal credit is also an important reason why ICBC refused the e-loan line. If loans overdue fails to repay the loan before applying for E-loan, ICBC will generally not approve E-loan, considering the credit and performance ability of users.
3. The loan borrowed by Rong E is not used according to the specified purpose.
I have successfully applied for ICBC e-loan before, but the loan was not used for the agreed purposes, such as buying a car and traveling. , but for financial management. Then, applying for the e-loan line again may also be rejected.