Is ICBC e-loan subject to manual review?

When applying for ICBC e-loan, most applications are reviewed by the system rather than manually. The main form of manual review is telephone return visit. Moreover, manual review will take a long time, thus affecting the bank's loan time. Because Rong e-loans are approved and rejected in seconds, they are all reviewed by the system

Product information

1. Quota: up to 800,000 (mobile banking/online banking, etc. The self-service channel can apply for a maximum of 300,000, and if it exceeds 300,000, you need to go to the counter of a business outlet);

2. Interest rate: as low as 4.35%;

3. Term: Max. The loan can be loaned for 3 years;

4. Repayment method: Borrow and repay at any time, with interest calculated on a daily basis.

Application conditions

1. Age: 18-60 years old;

2. Applicable people:

①ICBC credit card customers;< /p>

②Customers who make provident fund deposits (available in some cities);

③Customers who make social security deposits (available in some cities);

④Customers who pay wages on behalf of ICBC ;

⑤ Existing customers of ICBC housing mortgage loans.

3. Credit reporting requirements:

① Good credit reporting record with no defects.

Access area

Provident Fund open cities:

Tianjin; Chongqing; Shenyang; Ningbo; Xiamen; Yinchuan; Qinghai; Dehong (Yunnan);

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Hebei: Baoding, Cangzhou, Handan, Hengshui, Tangshan, Xiongan;

Shanxi: Jincheng, Changzhi;

Jilin: Yanbian, Changchun

< p>Heilongjiang: Daqing, Hegang, Jixi, Jiamusi, Mudanjiang, Qitaihe, Qiqihar, Shuangyashan, Suihua;

Jiangsu: Changzhou, Nanjing, Suzhou, Wuxi, Xuzhou, Yangzhou, Zhenjiang;

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Shandong: Qingdao, Binzhou, Zibo, Dezhou, Jinan, Jining, Liaocheng, Rizhao, Tai'an, Weihai, Weifang, Zaozhuang, Laiwu;

Henan: Nanyang, Zhengzhou;

Hubei: Jingzhou, Suizhou, Xianning, Qianjiang, Xiangfan;

Hunan: Changde, Chenzhou, Hengyang, Loudi, Xiangtan, Xiangxi, Yiyang, Yongzhou, Yueyang, Zhangjiajie, Changsha, Zhuzhou;< /p>

Guangxi: Baise, Chongzuo, Fangchenggang, Guilin, Liuzhou, Nanning, Qinzhou, Hezhou;

Sichuan: Bazhong, Deyang, Guang'an, Guangyuan, Leshan, Liangshan, Luzhou, Meishan , Mianyang, Neijiang, Panzhihua, Suining, Ya'an, Yibin, Ziyang, Zigong

Guizhou: Anshun, Bijie, Duyun, Guiyang, Kaili, Liupanshui, Tongren, Xingyi, Zunyi;

Shaanxi: Baoji, Hanzhong, Tongchuan, Yulin;

Gansu: Lanzhou, Tianshui, Zhangye, Linxia;

Cities open to social security:

Hebei: Shijiazhuang;

Shanxi: Datong, Jincheng, Jinzhong, Lishi, Linfen, Shuozhou; Taiyuan, Xinzhou, Yangquan, Yuncheng, Changzhi;

Shandong: Binzhou, Dongying, Heze , Yantai, Zaozhuang, Zibo;

Shaanxi: Ankang, Shangluo, Weinan, Xi'an, Xianyang, Yan'an;

Sichuan: Yibin;

Yunnan: Banna, Baoshan, Chuxiong, Dali, Dehong, Diqing, Honghe, Kunming, Lijiang, Lincang, Nujiang, Qujing, Simao, Wenshan, Yuxi, Zhaotong; Is ICBC Financial e also available for phone review

1. ICBC Financial e-Borrowing will conduct a telephone review, but it will not conduct a telephone review for every customer, and will only conduct a phone review for certain customers with problems.

2. ICBC e-loan is a credit provided by ICBC to high-quality customers with good credit, so if you want to apply for ICBC e-loan, it is recommended that you use ICBC cards more often when shopping. Use more ICBC cards, especially ICBC credit cards, and repay them on time to improve your credit rating; purchase more ICBC financial products to improve the bank's favorability with customers. These will help you open Rong e-Lending.

For more information about ICBC Financial e, will there be a telephone review? Go to: See more content. Will ICBC Financial e still have a telephone review? Will ICBC Financial e still have a telephone review?

ICBC Financial What is the interest rate for e-loans? Taking stock of the preferential interest rate policies of ICBC e-borrowing. According to the reports of users who have successfully obtained loans from ICBC e-borrowing, they submitted their loan applications in the afternoon and received them directly in their accounts the next morning. There was no review call, and the approval and disbursement were very fast. However, some users said that if they do not have an ICBC credit card, there will usually be a phone call to verify the information. When submitting personal information, Industrial and Commercial e-Lending will ask applicants to fill in the contact information and basic information of their company, but in most cases they will not conduct a return visit, just to ensure that users have a stable job and source of income. Can ICBC e-borrow the company phone number?

ICBC e-Loan will not make phone calls to the company. ICBC e-Loan will conduct phone reviews, but it will not review every customer over the phone, and will only review certain customers with problems over the phone. , usually also to your contact person.

ICBC e-loan is a credit loan provided by ICBC to high-quality customers with good credit. If you want to apply for ICBC e-loan, it is recommended that you use ICBC cards for consumption. When shopping, use more ICBC cards, especially ICBC credit cards (debit cards), and pay back on time to improve your credit rating; purchase more ICBC financial products to increase the bank's favorability with customers. These will help you open Rong e-Lending.