You can borrow money.

Extended data:

principle

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves, with safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

How to borrow ICBC credit card loans? It's a little troublesome but very economical!

Credit cards have appeared in China for many years, and there are many people who own them. Many cardholders want to apply for loans through credit cards, but they can't. Today, taking ICBC credit card as an example, I will tell you how to borrow credit card loans, and friends who need loans can learn about it.

ICBC's credit card loan is mainly to provide e-installment for everyone. E provides you with RMB loans of more than RMB 654.38+100000 by stages. The number of installments can be freely selected from 6 to 36, and the loan interest rate can be discounted to let me tell you how to borrow ICBC credit card E installment loan.

1. Submit a loan application

I took my ID card and ICBC credit card to the nearest ICBC outlet to submit a loan application. If you don't have an ICBC credit card, you can apply for an e-installment credit card immediately.

2. Approve the next paragraph

ICBC will spend some time reviewing your application for e-installment loan, but the time will be shorter. Once the loan application is approved, the funds will arrive in real time.

3. Use of loans

After everyone's funds arrive, they can use a special debit card for credit card consumption. The main purpose of the loan is to buy a car, rent a house, education, tourism, home improvement, wedding and so on.

Generally speaking, ICBC's credit card loan will be a little troublesome to handle, but the loan interest rate is very favorable and attractive to borrowers.

How much can ICBC credit card loan? Mainly depends on the product.

ICBC's credit card has many functions. In addition to overdraft consumption, you can also handle some financing business, which can be regarded as taking credit card loans. Many people want to know how much money they can borrow. It depends on what kind of business they handle. There are three products to choose from, and the loan amount is different. Let's have a look.

1, jung borrowed

This is the most similar credit loan to ICBC. It is an additional credit card installment limit provided by ICBC. The maximum amount is 300,000. The amount given by the bank varies according to different qualifications, but it is generally slightly higher than the credit card amount, at least 654.38+00000 yuan, and will not occupy the credit card amount after handling.

ICBC's e-loan is famous for its low interest rate. February 8-March 3, 20201,the new application for e-loan can be given a fixed preferential price at the annual interest rate, and friends who need funds can consider it.

2. Money is badly needed

In fact, it is the overdraft transfer service of ICBC credit card. Except for the different handling methods, it is no different from cash withdrawal by credit card. This amount is associated with the credit card amount. The maximum application amount is 50% of the available amount, that is, the credit card is 654.38+100000 yuan, of which only 5000 yuan can be transferred to the savings card at most.

Emergency funds are calculated on a daily basis, with a daily interest rate of five ten thousandths, and a transfer fee of 1% is charged, because the final repayment date must be repaid in full, which is only suitable for short-term.

3. Use of gold

Refers to the cash installment business of ICBC credit card, which is only applied by the cardholder (except for personal cards such as easy loan and official business).

The limit is also related to the fixed amount of credit cards. The maximum amount is 50% of the total credit card amount, and does not exceed 654.38+10,000 RMB. There are three months, six months, nine months, 12 months, 18 months, 24 months and 36 months to choose from, and the installment fee is required.

Personal Credit Loan of Industrial and Commercial Bank of China

Rong e loan is a personal credit loan brand of ICBC, with a maximum term of 2 years, and some customers can enjoy a maximum term of 5 years. The maximum amount of self-service application is 200,000. After the application is successful, the loan amount will occupy the credit card amount. Please refer to the actual treatment for details.

You can apply through online banking, mobile banking, ICBC e-life and e-finance, or you can apply at any branch of ICBC in different places with your valid ID card, or through the smart terminal of the branch.

(Answer time: March 2022 15. In case of business changes, please refer to the actual situation. )

How does ICBC borrow money?

The specific ways of ICBC loan are:

First, through ICBC mobile banking loans. Log in to ICBC Mobile Banking, find the loan option on the home page, select personal credit loan "ICBC e-loan", and then follow the instructions on the page.

2. ICBC online banking loan. Log in to ICBC Online Banking, click Apply for Loan, select personal credit loan "ICBC Finance E Loan", and then follow the prompts on the page.

Third, apply for loans through ICBC e-Life APP. Download and open the ICBC e-Life APP, select a loan after logging in, click the personal credit loan "ICBC e-Loan", and then follow the prompts on the page.

4. Go to the business outlets of ICBC. Bring your personal ID card, household registration book and other relevant information and go directly to the ICBC offline counter.

What is the interest rate of ICBC credit card in June?

ICBC credit card loan for 6 installments, 20,000 yuan, with monthly interest as follows.

There are two repayment methods: average principal and equal principal and interest. Different repayment methods will generate different interest.

Different loan options have different interest rates. The common commercial interest rate of mortgage is relatively high, and the interest rate of provident fund loan is relatively low. If you use a credit card, the interest rate will be different.

1, mortgage (commercial loan)

1. Equal principal and interest

Matching principal and interest: the total monthly repayment amount is fixed, in which the principal part increases month by month and the interest part decreases month by month.

Calculation formula of equal principal and interest: monthly repayment amount = monthly interest rate of principal (1 interest rate), loan months /( 1 interest rate), repayment months-1.

Monthly interest rate = annualized interest rate/12

65,438+0,20,000 yuan is divided into 6 installments. If calculated according to the annual loan interest rate of LPR4.65%, the total interest is 272. 12 yuan, the total repayment is 20272.438+02 yuan, and the monthly payment is 3378.69 yuan.

2. Twenty thousand yuan is divided into six installments. If the annual interest rate of the loan is 4.9%, the total interest is 286.80 yuan, the total repayment is 20,286.80 yuan, and the monthly payment is 338 1. 13 yuan.