ICBC's mortgage, the bank 95588 called to confirm the information. What's the step?
The loan bank called to confirm the information, which is generally the process of going to the bank for approval. The general loan application is submitted to the bank by the developer, and the bank undertakes the examination and approval of the loan qualification. The approved loan is examined and approved by the bank to carry out the follow-up matters of mortgage.
Please check the loan approval progress of China Industrial and Commercial Bank by the following methods:
1. Computer use: Please log in to ICBC's online banking and select the function of "Collection-Loan-My Loan-Loan Application Result Query"; Windows7
2. Mobile phone usage: Please log in to ICBC Mobile Banking and select the function of "Collection-Loan-My Loan-Query Loan Application Result".
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tip:
if the loan materials you submit are complete and meet the loan conditions of China Industrial and Commercial Bank, you can generally complete the loan approval within 2 working days. The specific lending time is subject to the actual situation. For specific consultation, you can contact the loan handling outlets.
1. what is the longest period for ICBC to borrow a comprehensive consumer loan for personal housing mortgage?
The term of housing mortgage loan depends on the purpose of repayment:
1. If the mortgage loan is used to buy a house, the first-hand housing loan shall not exceed 3 years, and the borrower and loan term shall not exceed 7 years; Commercial housing loans shall not exceed 1 years, and the borrower and loan period shall not exceed 7 years; The sum of the term and years of second-hand housing loans shall not exceed 35 years, the longest loan term shall be 3 years, and the borrower and loan term shall not exceed 7 years; The term of the commercial house is the same as that of the commercial house.
2. for business, the loan term is at most 5 years.
Second, how long does it take for ICBC to lend money after the mortgage is approved?
After the approval, it is usually called back within 3 working days, and then the bank will call you to tell you when to go to the Housing Authority for mortgage registration, and then the mortgage bank will lend you your collection card within 2 working days.
III. The loan process is as follows:
The mortgage loan or the term of the mortgage loan is usually one month. If there are many bank borrowers, the application time may be delayed to one and a half months or even two months.
loan preparation materials: the lender's (husband and wife's) ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license, land certificate and bank's credit investigation on the lender (husband and wife).
after the data is submitted to the bank, the risk control department of the bank will pay a return visit. The return call is generally a company fixed telephone or a personal telephone.
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ICBC loan telephone manual customer service
ICBC loan manual service telephone number is 95588.
Call ICBC's customer service hotline 95588, and you can directly transfer to personal loan service. This is also ICBC's comprehensive service hotline. General consulting business and handling business can be carried out through this phone. If you want to apply for a loan, you can consult the materials you need to prepare first, and then fill out the application form at ICBC's outlets to apply for a loan. When making this call, you should first choose the business you need to consult according to the voice prompts. If you need to transfer to the manual customer service phone, Please dial the phone, wait for the voice broadcast for a while, then press "9", and then select the corresponding service according to the prompt to connect to ICBC's manual customer service. Please note that if there is no answer, it may be that the system is busy and it is recommended to dial again later. Therefore, if you want to apply for a loan in China Industrial and Commercial Bank or know the relevant loan information, you can call this number for consultation. In addition, you can learn about the loan information through ICBC's online banking, and you can also apply for a loan online.
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Matters needing attention in loan processing
1. Loan amount: When applying for a loan, the amount applied should not be too high, and the larger the loan amount, the higher the possibility of being rejected. At the same time, the borrower should also apply for the loan amount according to his repayment ability to avoid the economic pressure caused by the high monthly payment. The loan amount should be reasonable. Be sure to make a budget before applying for a loan. The loan amount can rise by 1% on the basis of the budget. If it exceeds this boundary, you may have to pay for your irrationality. Ask the total interest of the loan. Zero interest rate is not equal to zero interest, so don't confuse the two. The so-called zero-interest loan products will generally transfer the interest to such items as handling fees and guarantee funds. After careful calculation, it is not necessarily cheap.
2. Loan information: The borrower must ensure that the information provided to the lending institution is true and complete. Once it is found that it is suspected of fraud, the lending institution will directly refuse the loan. Make sure whether the materials are ready. Collect four sets of loans: a copy of personal ID card, work certificate, punch card salary flow and personal credit report, and you can almost summon the credit manager. And make sure whether you meet the loan application conditions, including age, work place and working years in this unit, income requirements, credit status, occupation or industry restrictions and so on. If these six elements are up to standard, you can apply with confidence.
3. Purpose of the loan: When filling in the purpose of the loan, the borrower should write down the purpose of the loan frankly and clearly, which will make it easier to pass the examination. That is, the use of loans should be compliant. If you are going to use it for gambling and gambling, the bank will definitely avoid you. And if you use it for stock trading, futures trading and wealth management products, these banks are also not allowed.
what is the manual customer service telephone number of ICBC credit card (debit card)?
ICBC's manual customer service telephone numbers for credit cards (debit cards) are:
1, 95588(24-hour national service hotline). After being connected, press "1" to select Chinese, then press "6" to select credit card (debit card) service, and then press "9" to access the manual service;
2. 4-669-5588(24-hour VIP service line). The VIP service line is only open to customers with platinum card, wealth card, wealth management card and credit card (debit card) gold card.
both of the above two service hotlines can handle credit card (debit card) business, just select one and dial.
ICBC car loan telephone
The customer service telephone number of auto finance is 35-3622-2678.
auto finance is a payment method in which consumers can directly apply for preferential payment from auto finance companies when they need loans to buy cars, and they can choose different models and different payment methods according to their individual needs.
China's auto finance market has experienced 14 years of development since the Administrative Measures for Auto Finance Companies was formally implemented on August 18th, 24.
during this period, China's automobile sales increased by nearly 3%, but the penetration rate of automobile finance only doubled, far below 7-8% of foreign consumption.
Extended information:
Financial model:
Replacing "sale" with "rent" is also a kind of car financing lease. First appeared in the United States, and now it has become the mainstream of American auto financial services. He is different from the traditional financial loan to buy a car. He rented the car to a customer, and the ownership of the car belonged to the auto financing company at that time. After the lease expires, the ownership of the car belongs to the customer. The advantages of this kind of auto finance are as follows:
(1) Packaging and leasing to lower the threshold of car purchase. Chuangfu Auto Finance takes barecar payment, purchase tax, license fee, insurance and other taxes as the object of installment payment. Customers only need to pay 2% of the total amount as a deposit and 1% of the handling fee within one year to get the right to use the vehicle, and 2% of the deposit will be returned after the lease period.
(2) Rent is a kind of expense for providing VAT invoices for enterprises. It can be used as a voucher for reimbursement of automobile stickers and also as a basis for accounting of enterprises.