To apply for ICBC e-loan, users must meet the following conditions if they want to pass the examination and approval smoothly:

1, a China citizen aged between 18 and 60 years old with full capacity for civil conduct;

2. Having a fixed residence or permanent residence at the place where the handling branch is located;

3 have a proper job, a stable source of economic income, and the ability to repay the principal and interest of the loan on schedule;

4. Personal credit is good, and there are no bad credit records and serious negative information in the credit report.

ICBC will make an evaluation according to the comprehensive situation of users. The better the general credit conditions, the greater the chances of approval, and the easier it is to obtain a high quota. In addition to maintaining good personal credit, users should also submit as much financial income information as possible when applying, which is very helpful to improve the chances of loan approval.

Second, how does ICBC finance e-loans?

To obtain the credit line of ICBC's e-loan, we must first have ICBC's credit card (debit card) and keep good credit information;

Then you have no personal credit loan, no online loan or;

Moreover, your credit card (debit card) should have no record of default, and the monthly repayment is not overdue. It is all on time, and it is a five-star customer of ICBC. If you meet these conditions, your e-loan may be limited.

3. The 20,000 credit line of ICBC Ronge Loan has been fully borrowed, and it took two months to apply for a credit card. ...

Do I need to use a credit card for 6 months to apply for withdrawal?

Fourth, how to increase the amount of ICBC e-borrowing labor?

ICBC Financial E-loan cannot be withdrawn manually, and whether to withdraw cash is determined by the evaluation result of ICBC system. If individuals feel that the amount is too low, they can increase the chances of raising the amount by the following skills:

1. Improve personal financial certificates in ICBC, such as supplementing the latest information on deposits and wealth management products.

2. Strive to reduce its own debt ratio and pay off the online loans and small loans of Shanghai Credit Information as soon as possible.

3. Authorization of provident fund information in ICBC mobile APP.