1. How to repay ICBC credit card installments in advance
You can directly open the ICBC Credit Card APP, select "Finance", find "My Installments" in "Instalments" and select all Repayment,
It should be noted that when repaying in advance, the installment handling fee collected will not be refunded. The handling fee is a one-time payment for the first installment. It will not be charged when repaying in advance. Default for early repayment If the deposit is collected in installments, the early repayment liquidated damages will be charged at 3% of the early repayment amount or at the agreed price when handling early repayment. Please refer to the system prompts for the actual amount. p>
Main Features of Credit Cards
There is no interest-free repayment period, and you can repay in installments independently. Join international credit card organizations such as VISA and MastB for global use.
This is the current development. One of the fastest financial services is an electronic currency that can replace traditional cash circulation to a certain extent.
It has both payment and credit functions and can also be used. Credit cards obtain certain loans from card issuers.
It is a high-tech product that integrates financial services and computer technology.
It can reduce the use of cash. >It can provide settlement services, facilitate shopping and consumption, and enhance a sense of security.
It can simplify payment procedures and save social labor.
It can promote repayment. Method
After the card issuing bank includes bank, automatic transfer, and telephone payment, the credit card limit will be restored immediately, and the payment will generally be credited to the WeiBank POS after the system processes it on the same day. Mobile WeBanktong POS mobile phone is a mobile financial system that can be used to pay directly by credit card, and can also perform transfers and other services instantly!
Transfers/remittances are mainly divided into: inter-bank and intra-city transfers. For transfers or remittances between two banks in different places, the remitting bank will charge a certain fee. At the same time, the arrival time and convenience of repayment are not as good as intra-bank repayment, online repayment, convenience store repayment, etc.
The more common domestic online repayment platforms include Bankpay, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment time will be different.
Convenience store repayment This method mainly completes repayment through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to receive the payment. At the same time, repayment using this method is free of charge. A handling fee is charged.
Counter repayment refers to bank cards issued by various networked financial institutions, which can be processed through the counters of other bank branches registered in the UnionPay exchange center host system
The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Other methods In addition to the methods mentioned above, the card issuer provides payment methods to facilitate cardholders' repayment.
2. Can the early repayment of ICBC be handled in another place?
No
Early mortgage repayment cannot be handled by foreign banks. The borrower must go to the lending bank to apply for early repayment, and cannot apply for early repayment of the mortgage loan in another place. This can only be done at the local bank where you are applying.
Moreover, the applicant and the staff of the lender (bank and other institutions) must reach an agreement through negotiation before repaying the loan in advance. According to Article 32 of the "General Principles of Loans",
The borrower should repay the principal and interest of the loan in full and on time as stipulated in the loan contract, and return the loan in advance, and should negotiate with the lender. In terms of specific procedures, due to different lending institutions, the materials and requirements that need to be submitted for inspection are also different. It is recommended that applicants bring their valid ID cards, bank cards for loans, etc. And consult clearly in advance. The bank will charge some liquidated damages.
3. Can the early exchange of ICBC mortgage loan be repaid in another place?
ICBC housing loans support repayment in other places.
Industrial and Commercial Bank of China was established on January 1, 1984. On October 28, 2005, the company was restructured into a joint stock limited company. On October 27, 2006, it was successfully listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange on the same day. After continuous efforts and steady development, it has become one of the world's leading banks, with a high-quality customer base, diversified business structure, strong innovation capabilities and market competitiveness. We regard service as the foundation of our business, insist on creating value through service, and provide comprehensive financial products and services to more than 8.6 million corporate customers and 680 million individual customers around the world. Consciously integrating social responsibility into development strategies and business management activities, it has been widely praised for supporting epidemic prevention and control, developing inclusive finance, supporting poverty alleviation and rural revitalization, developing green finance, and supporting public welfare undertakings. Always focus on the main business, adhere to the origin of serving the real economy, and coexist with the real economy in prosperity, bear the wind and rain, and grow together; always adhere to the risk-based approach, firmly hold the bottom line, and continuously improve control and the ability to resolve risks; always insist on grasping and following the operating rules of commercial banks, and strive to build a "century-old bank"; always adhere to the pursuit of stability and innovation, continue to deepen key development strategies, actively develop financial technology, and accelerate Digital transformation; always adhere to professional focus, develop professional business models, and forge "Dahang Craftsmen". It has ranked first among the top 1000 global banks in the UK's The Banker and the top 2000 global companies in the US' Forbes list for eight consecutive years, ranked first among the global commercial banks in the US' Fortune 500 list, and ranked first in the UK's BrandFinance Global list for five consecutive years. Ranked first among the top 500 most valuable bank brands. At the end of 2020, total assets were 33.345058 billion yuan, an increase of 3.235622 billion yuan or 1.07% over the end of the previous year. Total liabilities were 30.435543 billion yuan, an increase of 3.018110 billion yuan from the end of the previous year, an increase of 11.0. The annual net profit was 317.685 billion yuan, an increase of 4.324 billion yuan over the previous year, an increase of 1.4, the average return on total assets was 1.00, the weighted average return on equity was 11.95, the core tier one capital adequacy ratio was 13.18, and the tier one capital adequacy ratio was 14.28. Capital adequacy ratio is 16.88. Operating income was 800.075 billion yuan, an increase of 3.1%, of which net interest income was 646.765 billion yuan, an increase of 2.3%; the cost-to-income ratio was 24.76.
4. Can the early exchange of ICBC mortgage loan be repaid in another place?
Yes. You can go to your local bank for repayment.
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