1. How does ICBC apply for credit loans in detail?

Personal small short-term credit loans are issued by lenders to meet the temporary consumption needs of borrowers with a term of less than one year. RMB credit loans with an amount of less than 20,000 yuan and no guarantee required. Lenders refer to the branches of the Industrial and Commercial Bank of China that offer personal small-amount short-term credit loans. The borrower refers to a Chinese citizen who has a fixed residence in China, a local urban permanent residence (or valid residence certificate), and full capacity for civil conduct.

1. Borrower conditions

Borrowers applying for personal small short-term credit loans must meet the following conditions:

1. Have a fixed residence in China, have a local urban permanent residence (or valid residence certificate), and have full civil capacity Chinese citizens;

2. Have a legitimate occupation and stable economic income (monthly salary income must be more than 1,000 yuan), and have the ability to repay the principal and interest of the loan on time;

3. The borrower's unit must be an administrative, enterprise, or institution recognized by the lender and have a good cooperative relationship with the lender, and the lender must pay wages on its behalf;

4. Abide by laws and regulations, and do not violate any laws behavior and bad credit record;

5. Open a Peony credit card or current savings account at the Industrial and Commercial Bank of China;

6. Sign an agreement with the lender to withdraw funds from its Peony credit card or current savings account Agreement on debiting the loan from the account;

7. Other conditions stipulated by the lender

2. Loan term and interest rate

(1) Personal small business. The term of the short-term credit loan is less than 1 year (inclusive).

(2) The interest rate of the personal short-term credit loan shall be in accordance with the short-term loan interest rate stipulated by the People's Bank of China, and the increase shall be in accordance with the relevant regulations of the People's Bank of China. . When the interest rate is adjusted during the loan period, the contract interest rate will be applied and interest will not be calculated in installments. If the loan term is less than 6 months, the interest will be calculated based on the 6-month interest rate.

(3) Individual small-term short-term interest rate. The starting point of the credit loan limit is 2,000 yuan, and the loan amount does not exceed 6 times the borrower's average monthly salary income, and the maximum does not exceed 20,000 yuan.

(4) Personal small short-term credit loans are generally not available. Extension. If the loan cannot be repaid on time due to force majeure or unexpected events, it can be extended once with the lender's consent, and the cumulative loan period shall not exceed 1 year. The interest after the extension shall be paid at the interest rate agreed in the original contract. If the cumulative loan period is less than 6 months, interest will be calculated based on the 6-month loan interest rate listed on that day from the extension date; if it exceeds 6 months, interest will be calculated based on the 1-year loan interest rate listed on that day starting from the extension date. /p>

3. Loan application

When applying for a loan, the borrower should provide the lender with the following information:

1. Loan application approval form;

2. Valid ID card.

2. "How to get a personal credit loan from ICBC"?

There are many formal borrowing platforms, such as Youqianhua and Ant Borrowing. , Weilidai, Jingdong Gold Bars, etc. Youqianhua: Youqianhua APP is a major brand of Baidu credit services, which can meet the capital needs of daily consumption and turnover. It requires no mortgage. The application materials are simple and can be approved in 30 seconds. The fastest loan is three minutes, up to 200,000. Ant Borrow: Ant Borrow is a loan service launched by Alipay. The current application threshold is above 600 Zhima points. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 300,000 yuan. The maximum repayment period for Borrowed is 12 months, and you can repay as you go. Weilidai: Weilidai is a purely online personal small credit revolving consumer loan product launched by Tencent WeBank, the first domestic Internet bank, for WeChat users and mobile QQ users. Adopting a user invitation system, invited users can currently see the Weilidai entrance in the "QQ Wallet" of mobile QQ and the "WeChat Wallet" of WeChat, and can obtain a maximum loan limit of 300,000 yuan. If there is a need, we recommend Du Xiaoman Finance, which is a subsidiary of the original Baidu Finance. The company is registered with the Chongqing Industry and Commerce Bureau, operates under a formal license, and cooperates with licensed financial institutions such as formal banks and consumer finance companies to provide services. The interest and fees are open and transparent, without any hidden charges. The lowest daily interest rate starts at 0.02%, and the annualized interest rate starts at 7.2%. The maximum amount is 200,000, and the account can be credited in the fastest 3 minutes. The actual interest rate is determined by the system based on the user's comprehensive situation and is differentiated. Pricing.

Du Xiaoman - Youqianhua (second batch) click to measure the amount online. In order to provide better services, Youqianhua borrowing funds mainly come from licensed financial institutions such as formal banks, companies, and consumer finance companies, such as Agricultural Bank of China and Postal Savings Bank, China Everbright Bank, China Minsheng Bank, Huaxia Bank, Bohai Bank, Bank of Beijing, Bank of Guangzhou, China Post Consumer Finance, Bank of China Consumer Finance, etc. JD Gold Bar: JD Gold Bar is a cash lending service tailored for users with good credit. Jingdong Gold Bar is a credit loan product. Whether it can be activated is based on the comprehensive evaluation of the system. Currently, active application for activation is not supported. If the page displays "Unable to provide you with services" after clicking on the gold bar entrance, it means that you are temporarily unable to activate gold bars.

3. How to apply for ICBC credit?

1. Application at offline outlets. Bring relevant materials to the ICBC offline outlet counter to apply for a loan.

2. Application for ICBC mobile banking. Users can download ICBC Mobile Banking on their mobile phones, verify their personal information and log in, click "Loan" on the homepage according to the page prompts, select the loan they want to apply for, and submit the relevant materials required for the loan to complete the loan.

3. Apply on the official website of ICBC. Users can search the official website of the Industrial and Commercial Bank of China on their computer browser, click on the loan product they want to apply for according to the page prompts, and then log in with their account number and password to apply for a loan.

4. Application for WeChat public account. In addition, you can also search for the official account of "ICBC Customer Service" on WeChat. After following it, find Smart Finance on the page, and then follow the prompts on the page to apply for a personal loan

4. ICBC Spring How to apply for early loan repayment from the Credit Department of Xilu Branch

Early loan repayment procedure:

According to bank regulations, customers who want to repay their loans early must submit a written application one week to one month in advance. , and agree on the repayment date;

Then according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill out the loan repayment application form and early loan repayment agreement, and follow the bank's requirements The amount that needs to be repaid is deposited into the account that withholds the principal and interest of the loan;

The bank automatically deducts it;

Each bank has no limit on the number of times you can repay the loan in advance, and you can do it all at once Loans who repay

part of their loans early can choose two methods:

Reduce the monthly repayment amount and keep the repayment period unchanged;

Monthly The repayment amount remains unchanged;

The supplementary terms of the "Early Repayment Application Form" once confirmed by the borrower's bank have the same legal effect as the loan contract.