I. Financing E-loan is an unsecured and unsecured RMB loan issued by China Industrial and Commercial Bank to borrowers who meet certain conditions for personal legal and compliance consumption purposes.
The interest rate is lower
1 year loan interest rate is 5.22%, 1 year and above loan interest rate is 5.7%, loan 1 ten thousand, and daily interest is about 1 yuan.
Higher quota
600 yuan borrows up to 800,000 yuan. Generally, the loan amount is determined according to the credit card amount of customers in ICBC. If you are a five-star customer, you can first log in to online banking or mobile banking to increase the credit card limit to 65,438+10,000, and then directly apply for a personal credit loan of 65,438+10,000 in online banking or mobile banking, and it will be approved in a few minutes. Now, in order to promote e-loan, ICBC has also set up a white list of e-loan customers in various units. Customers can also apply for credit loans with debit cards. If a debit card applies for e-loan, it needs manual review, and the approval speed is slightly slow.
The term is longer
The longest loan term is 5 years, generally 2 years, and the longest grace period is 12 months, generally half a year. There is no need to repay during the grace period, and early repayment is supported.
Flexible repayment
Four repayment methods are supported: equal principal and interest, average capital, installment principal and interest.
Better experience
Unsecured, unsecured, pure credit, with the loan; Through the "one-click loan" of online banking and mobile banking, business outlets can also handle it, and loans can be received in real time at the first time.
Application conditions
China citizen with full capacity for civil conduct, aged 18-60 years old;
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;
Other conditions stipulated by China Industrial and Commercial Bank.
Second, Easy Loan is a credit consumption credit service provided by China Industrial and Commercial Bank in combination with certain rules for customers with ICBC debit cards (or passbooks) or credit cards when swiping cards or shopping online at ICBC special merchants.
Product characteristics
1.
As soon as the loan is triggered, the funds will arrive in an instant.
-Credit method, no mortgage (pledge), no need to rush to the counter, no need to submit loan information, no need to wait for loan approval. With a light finger, reply to a short message or click the mouse, the funds will arrive instantly.
2.
Free consumption, anytime, anywhere loans.
-consumption+loan in one step. When you make online shopping or credit card consumption in hundreds of thousands of merchants of ICBC, you can apply for loans in real time through online banking, mobile banking, SMS banking, POS and other shortcut channels.
3.
Loans are free and flexible, and life is free and elegant.
-A single consumption of 100 yuan can be handled, and the maximum loan amount for a single household can reach 200,000 yuan. Debit cards and credit cards are acceptable, and the loan period is up to 3 years. Repayment can be made through online banking, mobile banking, SMS banking and counter, without an appointment.
Letter of credit clause
1. 18 (inclusive) -70 (inclusive) A natural person with full capacity for civil conduct;
2. Quality customers with good credit standing, such as payroll customers who meet the requirements of ICBC;
3. ICBC debit card (or passbook) or credit card holder.
Tips: If you use a debit card (or passbook) to spend money and apply for an easy loan, the balance of your own funds in the payment account shall not be less than the amount of the consumption transaction before completing the consumption transaction.
loan limit
You can apply for a single consumption of more than 100 yuan (inclusive), and the maximum loan amount for a single household can reach 200,000 yuan, which does not exceed the loanable amount approved by ICBC according to your comprehensive credit level and the actual amount of this consumption.
deadline
You can choose freely from four periods of 6, 12, 24 and 36 months.
Loan interest rate (or installment interest rate)
According to the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China, it will rise 10%.
Repayment method
Equal monthly repayment method.
operation flow
When holding an ICBC bank card (or passbook) for credit card consumption or online shopping by ICBC special merchants, as long as the relevant conditions are met, you will receive a prompt message automatically sent by the system to handle the easy loan. If you are interested, you only need to reply and confirm through mobile phone or online banking channel, and the loan funds will arrive instantly. In addition, if you didn't apply for easy loan at that time, you can also log in to ICBC online banking or mobile banking to apply within seven days after consumption (before 24: 00 on the seventh day after consumption, excluding the day of consumption).
Tips: When you apply for easy loan for the first time, you must sign the Easy Loan Agreement. You can sign the contract through ICBC online banking, mobile banking, counters, self-service terminals and other channels before consumption, or you can sign the contract at the same time. After signing the agreement, you can check the reference loan amount of Easy Loan through online banking, mobile banking, SMS banking, POS, counters and other channels. The query results can only be used as a reference for handling the easy loan business, not as a promise.
After signing the agreement, there are four ways to easily handle the loan, and the process is as follows:
1. After swiping the card on ICBC POS, you will receive a text message to handle the easy loan process.
2. Credit card transactions on ICBC POS directly handle the easy loan process.
3. Easy loan payment process for special merchants of ICBC Cooperation Network.
Answer: Debit card/passbook processing flow.
B: credit card processing flow
4. After swiping the card at ICBC POS or conducting B2C payment transactions at ICBC merchants, log in to online banking or mobile banking to handle the easy loan process.
Service channels and time
Agreement signing: online banking, mobile banking, SMS banking, self-service terminals, bank counters (wealth center, VIP wealth management center, wealth management outlets, financial convenience stores);
2. Easy loan processing: online banking, mobile banking, SMS banking, POS (ICBC);
3. Quota inquiry: online banking, mobile banking, SMS banking, self-service terminals, POS (ICBC) and bank counters (wealth centers, VIP wealth management centers, wealth management outlets and financial convenience stores);
4. Prepayment: online banking, mobile banking, SMS banking and bank counters (wealth centers, VIP wealth management centers, wealth management outlets and financial convenience stores).
Counter service hours are the same as those of outlets, POS service hours are the same as those of merchants, and electronic banking and self-service equipment channels can provide customers with 7×24 hours service. The specific starting time of each media is subject to the announcement of ICBC.
Merchant type
Special merchants are network electronic special merchants that cooperate with ICBC (non-third-party platform transfer) and ICBC POS special merchants that are directly used for consumption purposes, such as shopping malls, home stores, automobile 4S stores, training institutions, travel agencies, etc.
3. Personal pledge loan refers to the RMB loan granted by China Industrial and Commercial Bank to customers with legal and effective pledge as the guarantee.
Product characteristics
Pledges are various: bank deposits, bonds, wealth management products, funds, life insurance policies, precious metals in accounts, etc. Can be used as collateral;
There are various channels for handling: personal pledge loans can be handled through personal online banking or mobile banking;
Flexible loan amount: the minimum 500 yuan for a single transaction is 300,000 yuan, and the maximum for a single household is 6,543,800 yuan;
Free loan term: the shortest is 8 days, and the longest is 1 year. You can choose any number of days in this interval;
The operation process is simple: loan operation is easy to learn, self-help, automatic approval and quick collection.
Application conditions
A natural person with corresponding capacity for civil conduct;
2. The borrower's loan purpose conforms to national laws, regulations and relevant policies, and promises that the loan will not enter the securities market and futures market, be used for real estate development and equity investment, and be used for borrowing to seek illegal income;
3. Provide effective pledge recognized by the bank as guarantee;
4. Open a personal settlement account in China Industrial and Commercial Bank;
5. Hold the wealth management account card and ICBC smart card of ICBC e-banking registration card, and the above account cards are hung with satisfactory coupons;
6. Have a personal customer certificate or electronic password of China Industrial and Commercial Bank's electronic banking;
7. Other conditions stipulated by the bank.
4. Personal online loans (online loans) refer to personal revolving loans that customers apply for loans, withdrawals and repayments through internet channels such as counters or online banking and mobile banking.
selling point
The loan has a wide range of uses and the procedures are simple and fast;
2. The range of collateral (pledge) is wide;
3. Meet the demand for funds anytime and anywhere;
4. The loan funds are recycled, and it is supported to be repaid as you borrow.
Application conditions
Citizens with China nationality (excluding Hong Kong, Macao and Taiwan residents) have full capacity for civil conduct.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);
3. Have a good credit record and willingness to repay;
4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations;
6. It can provide legal, effective and reliable mortgage (pledge) recognized by the bank;
7. Open a personal settlement account in China Industrial and Commercial Bank;
8. Other conditions that meet the requirements of the corresponding loan varieties.
Among them, customers who have completed the maximum mortgage guarantee of real estate in ICBC and have the remaining available guarantee amount can apply for loans directly through self-service channels such as online banking and mobile banking when they need to add new loans. Materials that have been saved in our bank need not be provided repeatedly, and supplementary materials can be uploaded through online banking and mobile banking.
Application material
Valid identity documents, household registration certificates and marital status certificates of the borrower and its spouse.
2. Personal income certificate;
3. Proof of loan use;
4. Proof of ownership of mortgaged (pledged) property;
5. Other documents or materials required by the bank.
5. Credit card cash installment refers to the business that China Industrial and Commercial Bank transfers a certain amount of cash to the cardholder's designated account at one time according to the cardholder's application, and deducts the money through the cardholder's credit card account in installments according to the time limit agreed by both parties, and the cardholder repays the money in installments and pays the handling fee.
It has the characteristics of simple procedures, quick application, no mortgage, quick receipt of accounts, installment repayment and so on.
1, applicable object
Personal credit card principal customers invited by our bank.
2. Installment payment amount
The cash installment amount shall not exceed 80% of the total credit card amount, and the maximum amount shall not exceed RMB 654.38+ 10,000. The minimum payment for cash installment is 600 yuan.
3. Number of installments
Cardholders can apply for 3, 6, 9, 12, 18, and 24 cash installments, and can repay in full or in part in advance without delay.
4. Application channels
Cardholders can apply through business outlets, online banking or telephone banking.
5. Questions and answers on cash installment business
(1) Which card types can handle cash installment?
ICBC credit cards (including dual-currency credit cards, multi-currency credit cards and RMB credit cards, excluding special products such as easy-to-borrow credit cards and business cards and other credit card products as otherwise agreed) are personal card master cards.
(2) Is there a handling fee for the cash installment business? How to charge?
Cash installment business charges the cardholder a cash installment fee, which is charged according to the current installment business charging method.
(3) Can I handle the cash installment business directly without the invitation of ICBC?
ICBC's cash installment business is handled by invitation. If the invitation is not received, ICBC will not handle the cash installment business for the time being.