ICBC credit card e-installment and e-lending are both ICBC credit products, so they are often compared by cardholders, and they want to know which of these two products is better. What I want to say here is that ICBC e-installment and e-lending have their own characteristics. In order to give you a general impression of these two products, here are three aspects to introduce the differences between e-installment and e-lending, and let's understand them together.
1. Differences between types and uses: 1. E-installment: It belongs to cash installment, and the credit card limit of the cardholder is transferred to the e-installment special debit card under the cardholder's name by installment payment for consumption payment, which is repaid in installments according to the agreed time limit. The credit card limit can only be used for consumption, but cannot be transferred for cash withdrawal, so that a credit card is required; 2. Financing e-loan: an unsecured and unsecured RMB loan issued by ICBC to borrowers who meet certain conditions for personal legal and compliant consumption purposes. After obtaining the quota, it can be directly transferred or withdrawn, and it can also be used for POS consumption, regardless of whether there is an ICBC credit card, but the approval speed will be faster.
second, the difference of the quota: 1. e-installment: the quota of ICBC e-installment starts at 1, and the maximum quota depends on your credit card quota. 2. E-loan: the minimum is 5, yuan, the maximum is 3 million yuan for ordinary customers, and the maximum is 5 million yuan for financial and private customers. Credit and mortgage loans are adopted.
3. Difference of annualized interest rate 1. ICBC e-staging: At this stage, e-staging products are offered a 3% discount. As of October 31, 218, the initial monthly fee rate is 1, yuan. After the discount, the one-year fee rate is around, and the longer the loan time, the higher the interest rate. 2. Financing e-borrowing: interest will be calculated on a daily basis for financing e-borrowing, and the loan interest rate will be increased by 5% according to the benchmark interest rate of the same grade of the People's Bank of China in the same period. The interest rate of one-year financing e-loan is 1, yuan, and the average daily interest is less than that of 1 yuan. Some customers can enjoy lower discounts. The above is "What is the difference between ICBC credit card e-installment and e-borrowing?" From the comparison of three aspects, it is not difficult to find that Ronge Loan is slightly better in terms of use, quota and annual interest rate, but Ronge Loan adopts a white list invitation system, which can only be handled by invited friends. Relatively speaking, it is easier to apply for e-installment. What are the personal consumption loans of ICBC? There are mainly these!
ICBC has many loans suitable for individual users to apply for. If there is consumer demand, you can try to apply for personal consumption loans from ICBC. The threshold is low and the interest is low. Let's take stock of some loan products today, hoping to help you.
1. Ronge Borrowing ICBC Ronge Borrowing is a very popular pure credit mobile phone loan. The loan is mainly suitable for personal daily consumption, and it is also very simple to handle. The borrower can apply for it through mobile banking and ICBC official website. E-Loan can provide a loan amount of between 6 yuan and 8, yuan, and the amount generally available to ordinary borrowers is around several thousand to several tens of thousands.
2. Personal car loan ICBC's personal car loan is a car loan service provided by ICBC for users who buy their own cars. It provides two loan modes, namely "direct customer" and "indirect customer", for everyone to choose from. The loan amount of ICBC's personal car loan can reach 8% of the total value of the vehicle. Generally speaking, this amount is still very considerable, and the longest use time of the loan is 5 years.
3. Personal student aid and study abroad loan ICBC's personal student aid loan is a loan issued by ICBC to students with difficulties in colleges and universities. The loan amount is up to 6, yuan per year, and no loan interest will be charged if it is paid off within 6 years after graduation; Personal loan for studying abroad is mainly a form of loan to help students realize their dream of studying abroad. The maximum loan amount can reach 2 million yuan, and the longest loan period is 1 years.
4. ICBC Easy Loan ICBC Easy Loan is a loan product for consumption between ICBC and special merchants. The maximum loan amount is 2, yuan, and the loan period is 6, 12, 24 and 36 months. You can choose according to your actual situation. How much can ICBC credit card loan? Mainly depends on the product
ICBC's credit card has many functions, besides overdraft consumption, it 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 take a look.
1. Rong e's loan is most similar to ICBC's credit loan, and it is an extra credit card special installment quota provided by ICBC. The maximum amount is 3, yuan, and the amount given by the bank varies with different qualifications, but it is generally a little higher than the credit card quota, at least 1, yuan, and it will not occupy the credit card quota after processing. ICBC's E-Loan is famous for its low interest rate. From February 8 to March 31, 22, the new application for E-Loan can be given a fixed preferential price at the annual interest rate. Friends who need funds can consider it.
2. Emergency money is actually the overdraft transfer service of ICBC's credit card. Except for the different handling methods, it is no different from credit card withdrawal. The amount is linked to the credit card amount. The maximum application amount is 5% of the available amount, that is, a credit card with 1, yuan, of which only 5, yuan can be transferred to the savings card at most. Emergency money bears interest on a daily basis, with a daily interest rate of five ten thousandths, and a transfer fee of 1% is charged, because it must be repaid in full on the last repayment date, which is only suitable for short-term capital turnover.
3. The incidental payment refers to the cash installment business of ICBC's credit card, which is only applied by the main cardholder (except for individual cards such as easy loan and official business). The limit is also related to the fixed amount of the credit card. The maximum amount is 5% of the total amount of the credit card, and it does not exceed RMB 1,. There are several installments of 3 months, 6 months, 9 months, 12 months, 18 months, 24 months and 36 months, which are interest-free and free, and you need to pay the installment fee.