If you don’t have an ICBC credit card, can you apply for an e-loan?

If you don’t have a credit card, can you apply for an e-loan? However, if you have an ICBC credit card, you can increase the credit limit. However, when using ICBC credit cards, it is best to repay on time and avoid frequent overdue payments, otherwise it will affect the user's credit card application. When using Rong e-Loan to apply for loans, different users will receive different loan amounts.

You must be between 18 and 60 years old when applying for a financial e-loan, have full civil capacity, and have good credit when borrowing; the applicant’s work unit or habitual residence should be in the location of the loan issuing institution; have a fixed A job, a stable source of income or a reliable guarantee of repayment, etc.

Before applying for a loan with Rong e Borrowing, you should consider your income and whether you can guarantee on-time repayment in the future. Generally, you can apply for a loan when your personal income is relatively high. If your personal income is relatively small, you should be cautious when borrowing money. , to avoid the situation of not being able to return it on time later. After all, late repayment will incur penalty interest.

Rong e-borrowing can handle loans through different channels, such as online banking, mobile banking, business outlets, etc. When handling loans, you can choose different repayment methods, such as equal principal and interest, equal principal, and periodic One-time principal repayment with interest, one-time principal repayment with interest, etc. You usually choose the repayment method based on your income. Can I borrow ICBC e-Borrow without a credit card?

You can apply for ICBC e-Borrow without a credit card, but this kind of loan is only available to high-quality ICBC customers. The bank's requirements must be met when applying. If the user has a credit card but does not meet the requirements in other aspects, he will not be able to borrow money at this time. Different users get different amounts when borrowing money.

When applying for ICBC e-loan, you must be between 18 and 60 years old. The borrower’s work unit or regular residence should be at the location of the loan-issuing institution; the borrower has a regular job and can repay on time; and there are: The borrower's credit profile must be good, otherwise the bank will reject it.

The minimum loan amount for ICBC e-loan is 600 yuan, with a maximum limit of 800,000 yuan. The loan period is generally 2 years and the longest is 5 years. Interest will be charged on a daily basis after the loan is borrowed. When individuals have spare money, they can For early repayment, no penalty will be charged when repaying early, and you can borrow multiple times within the limit.

ICBC e-loan can be processed through different channels, such as online banking, mobile banking, business outlets, etc. The loan processed can be used for car purchase, home decoration, travel, shopping and other purposes. It is not allowed to It is used for matters that are clearly prohibited from operating under national laws and regulations. Do I have to apply for a credit card to get the ICBC E-finance loan?

No, you can apply if you meet the following conditions.

1. Chinese citizens with full capacity for civil conduct, aged 18-60 years old;

2. The applicant’s work unit or habitual residence should be at the location of the loan-issuing institution;

3. Have a fixed job, stable source of income or reliable repayment guarantee;

4. Other conditions stipulated by ICBC.

Rong e-borrowing can be used for car purchases, home decoration, travel, shopping and other purposes, but it is not allowed to enter the securities market, futures market, equity investment, real estate market, private lending, or Matters that are expressly prohibited by national laws and regulations.

Extended information:

Product features

1. Low interest rate: interest is calculated on a daily basis, borrow and repay at any time, lower cost.

2. High credit limit: the minimum loan amount is 600 yuan, the maximum limit is 800,000 yuan, and the credit limit can be recycled.

3. Long term: The loan term is generally 2 years and the longest is 5 years.

4. Flexible repayment: supports four repayment methods: equal principal and interest, equal principal, one-time principal payment with interest on schedule, one-time principal payment with interest, and early repayment is supported.

5. Excellent experience: no mortgage, no guarantee, pure credit, "one-click loan" through online banking and mobile banking, and can also be processed at business outlets, and the loan will arrive in your account in the fastest time.

Can I borrow money from Rong e-Borrow without a credit card?

Can I borrow money from Rong e-Borrow without a credit card? It is not necessary to have an ICBC credit card when applying for Rong e-Borrow. E-borrowing is very easy. Business transactions include deposits, withdrawals, purchases of financial products, etc. Different users receive different amounts when applying for Rong e-Lending loans.

The maximum loan limit for Rong e Borrowing is 800,000 yuan, which can be recycled within the limit. There is no mortgage, no guarantee, and pure credit. The loan period is generally 2 years and the longest is 5 years, on a daily basis. Interest is calculated and you can repay as you borrow. No liquidated damages will be charged for early repayment. Users can enjoy a certain grace period when repayment difficulties arise.

The loans from Rong e-Borrowing can be used for home improvement, travel, shopping, etc., but they cannot be used for private lending, and there are matters that are not allowed to be operated as clearly stipulated by national laws and regulations. When applying for a loan, you can use online banking, mobile banking, etc. If you have time, you can go to an outlet to apply.

Users must repay on time after borrowing money from Ronge Borrow, and there must be no overdue repayment. After all, penalty interest will be incurred after overdue repayment. The longer the time, the more penalty interest will be generated. After overdue repayment, the bank will upload the overdue records to the credit reporting center. If personal credit becomes bad, it will affect the processing of various loans.