To apply for ICBC e-loan, the following conditions must be met: 1. China citizens with full capacity for civil conduct, aged over 18; 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. "ICBC e-loan" can be handled through all online channels, such as mobile phones, computers and mobile terminals, and can be queried online in real time to get the loan amount in real time as soon as possible, thus realizing the organic integration of "consumer finance Internet" and creating an Internet operation mode of online self-help, automatic business handling and accurate risk monitoring. "ICBC e-loan" has the following characteristics: First, the price is low, the loan is 1, and the daily interest rate is about 1 yuan, which is lower than the interest rate of similar loans in the market. Second, the term is long, with the longest loan term of five years and the longest grace period of 12 months. Third, customers can get online one-click loans through online banking or mobile banking. Fourth, repayment is more flexible. Customers can choose four repayment methods: matching principal and interest, average capital, installment repayment and one-time repayment of principal and interest to better meet the multi-level and diversified consumer financing needs of different groups. In terms of risk control, "ICBC Ronge Loan" relies on the long-term accumulated credit management experience and professional team of ICBC to conduct risk control investigation on all customers and all credit assets of the Group. In particular, with the help of the massive data of 65.438+0.2 billion credit cards and 2.48 million online and offline merchants precipitated by the business development of the payment chain in the past 30 years, the management of customer access, credit granting, loan, monitoring and collection is realized by using the method of "data model". Advantages of ICBC e-loan: Advantages of ICBC e-loan: Lower loan interest. During the activity, 1 year loan interest rate is 5.22%, 2-year loan interest rate is 5.7%, loan 1 ten thousand, and daily interest is about 1 yuan. Advantage 2 of ICBC Financial E-loan: higher quota; From 600 yuan, the maximum is 800,000 yuan. Advantage 3 of ICBC Financial E-loan: Real-time receipt is faster; Customers who are in urgent need of money can handle it through online banking, mobile banking and business outlets. Handling loans is convenient and fast, and loans can be received in real time. Advantages 4 of ICBC Financial E-loan: the loan term is wider; The longest loan period is 24 months. If the planned loan exceeds 65,438+02 months (inclusive), you can choose the grace period of the first 6 months not to repay. If the funds are convenient, you can choose to repay in advance without handling fees.
2. Why does ICBC's "financing e-loan" not meet the application conditions?
1. If the salaries do not match, the salary details of the user will be checked. If the applicant's income is unstable, it will greatly hinder the review of ICBC's e-loan.
2. Not enough time to use the card; It is understood that only users who have applied for credit cards in ICBC generally use credit cards for a short time, which may also be the reason why ICBC failed to apply for e-loans.
3. There are unpaid items on the credit card; ICBC said that if the applicant's credit card has not been paid off, he can repay it in full before trying.
4. Charged loans; The applicant's office is also ICBC's e-loan application, so you can get to know it first.
5. Poor credit status; The credit status of the applicant will be checked during the review process of ICBC Financial E-Loan. If the credit is poor, it will also lead to the failure of ICBC Ronge loan application.
6. The applicant is a pure white family. According to some small partners, if it is a pure white household, it is likely to be an obstacle for ICBC to apply for e-loan, so this may be one of the reasons why ICBC failed to apply for e-loan.
Three. What are the conditions for ICBC to apply for a 300,000 yuan E loan?
1. Maintain good credit. As we all know, loans require high personal reputation of applicants, and loans from users with poor credit are easily rejected. Therefore, before applying for a loan, you must have a good credit record, no overdue record and good repayment ability.
2. White list applicants. Most banks will have their own white list, and as long as the user's credit is not particularly bad, they can basically apply successfully. Generally speaking, the implementation of the white list system in ICBC will give priority to high-quality customers, such as civil servants and institutions. Therefore, those who want to apply for e-loan can first become the whitelist users of ICBC.
3. Reduce the debt ratio
4. What conditions do I need to meet in order to get a loan of 200,000 to 300,000 yuan from ICBC e-loan?
My ICBC online banking is ok! I think because you don't have online banking, you can definitely buy online.