As the most concerned bank loan at present, ICBC's e-loan interest rate is very favorable, and there are often some relief activities. If you meet the application conditions, you may wish to know. After all, the annual interest rate is several times less than that of private lending platforms. Today, I will tell you how to apply for ICBC's e-loan.

1, good credit.

You must not be a loan user, even if your credit is tainted, you are likely to be rejected. To apply for ICBC e-loan, you need to check your personal credit, and remember to maintain your credit record.

2. Personal financial assets

Just like moving bricks to handle cards, even if you don't have demand deposits in ICBC, you may have bought ICBC's wealth management, investment, insurance and other businesses, which are also very important reference materials.

3. China Industrial and Commercial Bank Credit Card

We know that ICBC's credit card contains a lot of gold. If the credit card is used well and the credit limit is high, the success rate of loan application can be greatly improved. However, it needs to be clear that holding ICBC's credit card may not be able to apply for e-loan, and even if there is a credit card, it is impossible to apply for e-loan if the credit limit is not enough, because ICBC's credit card and e-loan share the credit limit, which is generally 80%. If the credit line is not enough, it will not meet the requirements.

4. Professional units

E-loan is whitelisted, and high-quality customers such as civil servants, institutions and large state-owned enterprises are more popular. If you belong to these institutions and high-quality enterprises, but not in the white list, you can bring relevant information to the local branch to submit, which is equally effective.

5. ICBC Debit Card

You must have a debit card from ICBC. Debit cards cannot be bound to securities investment accounts. You can choose to change a debit card and reapply.