2. Mainland residents with valid identity cards.

3. The applicant must be one of ICBC credit card users, ICBC payroll customers, ICBC housing mortgage loan stock customers and provident fund deposit customers.

Four, the user's personal credit information is in good condition, and there is no overdue or three or more overdue within six months. There are no more than 6 credit inquiry records in the past two months, and there are no bad debts, bad debts, payment suspension, freezing and write-off of credit cards and loans.

Five, the applicant has a stable job and income, and has the ability to repay the loan principal and interest on time.

Six, there is a clear and legal purpose of the loan. Loan funds cannot be used for wealth management (including stock trading, bonds, Public Offering of Fund, trust, etc.). ).

Note that not all credit card customers can apply for e-loan, only users in the white list can apply. General civil servants, institutions, large state-owned enterprises and other high-quality customers will be given priority, and users can log in to mobile banking to check whether they are on the white list.