Can ICBC still lend if it has a quota?
You will probably pay, but not 100%. When you find that ICBC's e-loan has a limit, you can apply for a loan. After submitting the application, you can wait for the approval of ICBC, and you need to meet the loan conditions stipulated by ICBC before you can make payment.
The line of ICBC e-loan is a credit line, which is given by the system according to the initial evaluation of users' credit qualifications. With the credit line, users can submit loan applications, but it does not mean that users will definitely pass the loan review.
To apply for ICBC Financial E-loan, the following conditions must be met:
1 China citizen with full capacity for civil conduct, age 18 (inclusive) -65 years old (exclusive), and the sum of age and loan term shall not exceed 70 years;
2. The applicant's work unit or habitual residence should be in the location of the loan issuing institution;
Have a fixed job, a stable source of income or a reliable repayment guarantee;
4. When applying through mobile banking and online banking, the savings cards used should be the first-class and second-class savings cards in different places, and online banking applications also need to register customers with U shields or ciphers at the counter.
According to the comprehensive situation of the lender, ICBC should verify whether it can apply for ICBC e-loan. If the lender is unable to apply at present, it is suggested to diversify the use of ICBC credit cards and handle various financial products or businesses, and accumulate a good personal credit record before trying to apply.
The longest term of ICBC e-loan is generally 2 years, and some customers can enjoy it for up to 5 years. After the application is successful, the loan amount will occupy the credit card amount. Please refer to the actual treatment for details.