What is the maximum limit of ICBC personal credit consumer loan?
The maximum limit of ICBC personal credit consumer loans generally does not exceed 300,000. The starting amount of ICBC's personal credit consumption loan is 10,000, and the maximum does not exceed 300,000. The loan limit is calculated based on the comprehensive situation when the user submits the application, and the limit is different for different users.
Warm reminder: The ICBC personal credit consumption loan limit and credit limit are included in the total personal credit limit. After applying for an ICBC personal credit consumption loan, the credit card (debit card) held by the user can be used The quota will be occupied.
How to apply for an ICBC credit consumer loan
If you have a credit card and debit card (deposit card) at ICBC, you can log in to ICBC online banking to apply for a personal credit consumer loan.
Personal credit consumption loan
1. Product introduction
Personal credit consumption loan refers to a personal credit consumption loan issued by our bank to borrowers who meet specific conditions. Unsecured and unsecured RMB loans for personal legal and compliant consumption purposes.
2. Product Features
Fast, self-service operation, fast payment;
Discount, low rates, the lowest is 4.785 during the discount period, and the lowest is 6.525 during normal times;
Flexible, equal principal and interest, and supports 6-month grace period repayment;
High amount, 600 yuan-300,000 yuan;
Pure credit, no The mortgage is unsecured.
3. Application conditions
1. Chinese citizens with full capacity for civil conduct, aged 18-60 years old;
2. The applicant’s employer or The habitual residence should be at the location of the loan-issuing institution;
3. Have a fixed job, a stable source of income or reliable repayment guarantee;
4. Other conditions stipulated by ICBC.
IV. Loan Period
The maximum period of personal credit consumption loan is 2 years, and no extension is allowed.
5. Repayment Methods
The repayment methods of personal credit consumer loans include:
1. Repay in equal monthly installments (the monthly repayment amount is the same) ;
2. If the application period is more than one year (inclusive), you can apply for a grace period. There is no need to repay the loan in the first 6 months, and then it will be repaid in equal installments every month. The loan interest collected during the grace period ("grace period interest") will be amortized and repaid in each subsequent period. Our bank will calculate and collect based on the remaining unpaid grace period interest. Compound interest;
3. Early repayment.
Customers can agree on the repayment method with our bank as needed.
The limit of personal consumption credit loan is 80% of the credit card limit of an individual with ICBC.
The specific operations are as follows:
Open ICBC Online Banking - Favorites - Loans - Credit Consumer Loan - Apply Now - Enter, login password, verification code - Log in to ICBC Online Banking - Fill in the loan amount ( Not less than 600 yuan) - Select the loan period - Select whether to apply for a grace period - Select the purpose of the loan - Select the collection account - Select the repayment account - Get the verification code - Enter the verification code - Check I have read and agreed to the "Industrial and Commercial Bank of China Personal Credit Consumer Loan Agreement" - Next step - Fill in the borrower information - Fill in the contact information - Insert the USB shield - Confirm - Confirm - Enter the payment password of the U shield - Confirm - Press OK twice - Complete.
After a few minutes, you will receive a text message indicating that the loan was successfully disbursed.
Log in to ICBC Online Banking - Loans - My Loans - My Credit Loans - you can see the loan contract amount, loan balance - contract status: Disbursed.
The loan balance can also be seen in the loan account.
You can also log in to online banking first - Loans - Apply for Loans - Credit Consumer Loans - Apply Now
After completing this operation, you can directly click on the application result query - Query - and wait for the text message to be received You can see that the loan has been successfully disbursed by pressing the query button several times.
What are the personal consumption loans of ICBC_How to apply
ICBC personal consumption loans
Personal consumption loans refer to the personal consumption loans provided by banks to borrowers for personal consumption. Loans, including but not limited to training, travel, weddings, beauty and fitness, study abroad, etc. ICBC has many types of personal consumption loan products, including e-loan, personal home consumption loan, personal car loan, Yidai, personal cultural consumption loan, personal student loan and personal study abroad loan.
Rong e-borrowing
Rong e-borrowing is an unsecured and unsecured loan issued by ICBC to borrowers who meet the loan conditions. The loan amount is between 600 and 800,000 yuan, and the loan period is The minimum period is 2 months and the maximum period is 2 years. Borrowers can choose according to their actual needs. The loan amount can be used for car purchase, decoration, shopping, etc. It cannot be used for stock speculation and private lending. There are currently two processing methods: online and offline. Online refers to online banking, mobile banking, and ICBC e-Life APP, and offline refers to bank branches.
Personal Home Consumption Loans
Loans are mainly used to renovate and decorate houses, purchase housing decoration materials, durable consumer goods and other large consumer goods. The maximum loan amount is 1 million yuan and the loan period is the longest. 5 years long.
Personal self-use car loan
It is a RMB guaranteed loan issued by ICBC to customers who apply to purchase self-use cars. The loan amount can be up to 80% of the purchase price of the car, and the loan period can be up to 5 years. . There are two loan models to choose from: "direct customer" and "indirect customer".
Direct client type: The borrower directly submits relevant auto loan application materials to ICBC, and the bank signs a loan contract and guarantee contract after approval of the loan investigation. The borrower then goes to an ICBC authorized car dealer to purchase a car.
Intermittent type: The borrower purchases a car at a car dealer authorized by ICBC, submits relevant loan application materials, and the car dealer forwards it to ICBC for loan application. After the bank has approved the loan investigation, it will sign a loan contract and a guarantee contract, and handle notarization and insurance procedures.
Yidai
Yidai is a credit card that ICBC provides to customers holding its own manual debit cards (or passbooks) or credit cards when they make card purchases or make online purchases at ICBC merchants. Credit consumer credit services provided by Rules Linkage. The loan term can be freely selected from four terms: 6, 12, 24, and 36 months, with equal monthly repayments.
Personal cultural consumption loans
Loans are mainly used for cultural consumption purposes such as personal education and training, travel, weddings, beauty and fitness, club membership activities, etc. The loan amount is up to 1 million yuan, and the loan period Maximum 10 years.
Personal student loans
Personal student loans are divided into national student loans and commercial student loans. National student loans are suitable for full-time undergraduate and junior college students (including Vocational students), graduate students and second bachelor's degree students, to ensure that poor students successfully complete their studies, the maximum amount per person per academic year shall not exceed 6,000 yuan, and the borrower must repay the loan within 6 years after graduation. The amount of commercial student loans is determined comprehensively by the bank based on the borrower's credit status and the guarantee provided, with a maximum limit of 500,000 yuan. The minimum loan term is 6 months and the maximum term is no more than 8 years.
Personal study abroad loans
The personal study abroad loans provided by ICBC are divided into withdrawal type personal study abroad loans and non-withdrawal type personal study abroad loans. Among them, withdrawal type personal study abroad loans The maximum loan amount is 2 million yuan; the non-withdrawal personal study abroad loan loan amount can be up to 1 million yuan, and the loan term can be up to 10 years.
That’s it for the introduction of ICBC credit card consumer loans.