ICBC Ronge Loan is a personal credit consumption loan launched by Industrial and Commercial Bank of China, which has the following advantages: preferential interest rate: Ronge Loan bears interest on a daily basis. At present, e-loan is 10000 yuan (one year), and the minimum daily interest is less than 1 yuan. Revolving credit: it can be repaid with the loan and repaid in advance. Support average capital and equal principal and interest, and some customers support paying interest on schedule and repaying the principal at one time. Flexible term: the shortest loan term of Rong E is two months, and the longest is generally two years. Some customers can enjoy a longer term. You can flexibly choose the number of loan periods within the longest loan period. Better experience: no mortgage, no guarantee, pure credit, self-service application up to 200 thousand. Convenient application: You can handle it yourself through various online channels such as ICBC e-life, e-finance, e-finance and online banking, or you can handle it at our business outlets, and the loan will be received in real time as soon as possible.

From application to lending, ICBC (Rongge) can check whether it can handle loans and credit lines online in real time through mobile phones, computers and mobile terminals, and receive them in real time as soon as possible, thus realizing the organic integration of "consumer finance++Internet" and realizing online self-help, automatic business handling and accurate risk monitoring of the Internet. The characteristic of ICBC Financial E-loan is its low price. The daily interest rate of 65438+1 00000 yuan is about1yuan, which is lower than the interest rate of similar loans in the market. The loan term is long, with the longest term not exceeding 5 years and 12 months. Customers can realize one-click online lending through online banking or mobile banking. Repayment is more flexible. Customers can choose four repayment methods: equal principal and interest, equal principal and interest, installment payment, one-time principal and interest, and one-time principal and interest, so as to better meet the multi-level and diversified consumer financing needs of different groups.

E-loan is an active credit product, mainly aimed at ICBC's existing credit card users. China Industrial and Commercial Bank has 47 million white list customers of personal consumption credit. The next step will include social security, taxation, provident fund and other off-bank information, and the number of white-listed customers will reach 654.38 billion. From the traditional banking business to the Internet, Ronge Loan is the consumer credit product with the most Internet genes in ICBC's product line. ICBC Financial E-Loan can go from application to lending through online channels such as mobile phones, computers and mobile terminals. It is understood that the interest rate of ICBC's financing loans is lower than that of similar loans in the market. The longest loan period is 5 years, and the longest grace period is 12 months. Customers can borrow money online with one click through online banking or mobile banking.