1. What is the amount of ICBC's consumer loan
If you mean to apply for your login to mobile banking, you can borrow it through "Favorite-Rongrong E". Please refer to
(answer time: March 2, 22) when you apply for the loan and the specific loan amount. In case of business changes, please refer to the actual situation. )
Second, what is the amount of ICBC's consumer loan
About six times its income.
1. No matter whether it is a consumer loan or a mortgage loan, as long as it is a loan, the institution will assess the actual situation of the applicant in all aspects, and finally give the interest rate and loan amount for matters within the risk control scope. It can be seen that there is no conclusion about the general amount of consumer loans. For example, for personal consumption loans, the general lending amount of Citibank is 6~8 times of the applicant's income.
2. The loan amount of consumer loans is related to the income of the applicant. The higher the income, the higher the loan amount that can be applied for.
3. The lending amount of consumer loans is related to the applicant's credit situation, and good credit will apply for a higher amount.
In addition, if the applicant has no other liabilities, on the contrary, he can provide assets that prove his asset strength, such as real estate or cars, which will also help to obtain a higher loan amount.
Third, what are the conditions for ICBC to finance e-borrowing?
To apply for ICBC's E-Loan, if you want to pass the examination and approval smoothly, then the user must meet the following conditions:
1. He is a citizen of China with full capacity for civil conduct at the age of 18 to 6;
2. Having a permanent residence or permanent residence at the place where the handling branch is located;
3. Have a proper job, a stable source of economic income and the ability to repay the loan principal and interest on schedule;
4. Personal credit is good, and there are no bad credit records and serious negative information in the credit report.
ICBC will evaluate users according to their comprehensive situation. Generally, users with better credit conditions will have greater chances of approval, and it is easier to obtain a high quota. Besides keeping good personal credit, users should also submit as much financial income information as possible when applying, which is very helpful to improve the chances of loan approval.
IV. Credit card consumption loan
Credit card consumption loan application conditions: 1. China citizens with full capacity for civil conduct, aged between 18 and 6.
2. Have legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located.
3. It has a stable income source and the ability to repay the loan principal and interest in full on schedule.
4. Have a good credit record and willingness to repay, without any illegal acts and bad records.
5. Obtain a risk level of Grade B or above in the retail internal rating system of ICBC.
6. ICBC's existing customers should have a star rating of 4 or above.
7. Open a personal settlement account with ICBC.
Application method of credit card consumption loan:
1. Mobile banking
1. Input the loan amount (from 6 yuan to the current maximum loanable amount), select the loan term (from 2 months to 24 months), choose the loan purpose, and choose whether to apply for a grace period (for loans exceeding 12 months, you can apply for the first 6 months without repayment, and make equal monthly repayment from the seventh month) < p Enter the mobile phone number to receive the verification code, and the verification code passes; Read and accept the personal credit consumption loan business agreement, and click "Next"
3. The customer confirms or fills in the customer information and contact information according to the page prompts, and confirms the loan information
4. After confirmation, you need to use a U shield or an electronic password device for identity verification
5. Click "Next" and the application is successful
2. Online banking
1. Select the loan term (from 2 months to 24 months); Choose the purpose of the loan; Choose whether to apply for a grace period (for loans exceeding 12 months, you can apply for the first 6 months without repayment, and repay the loan in equal amount every month from the seventh month); Select collection and repayment; Enter the mobile phone number to receive the verification code, and the verification code passes; Read and accept the personal credit consumption loan business agreement, and click "Next"
2. The customer confirms or fills in the customer information and contact information according to the page prompts, and confirms the loan information
3. After confirmation, you need to use a U shield or an electronic password device for identity verification
4. Click "Next", and the application is successful
Credit card consumption loan application amount:
ICBC. Whenever the end of the year, the beginning of the year or the festival approaches, ICBC will increase the credit limit for cardholders with good credit standing and frequent card swiping, generally by 1%-3%.
Ways to increase the credit limit:
1. Individuals have a good credit record. To apply for personal loans from ICBC, it is very important for borrowers to have good credit records. Generally speaking, individuals with good credit records can increase the amount of personal loans accordingly.
2. The borrower has certain fixed assets. Applying for personal loans from ICBC, even unsecured personal loans, can also increase the amount of personal loans from ICBC if the applicant can provide proof of real estate and automobile in his own name.
3. The borrower has a social security card and a provident fund. If the applicant's unit has been paying five insurances and one gold, then when applying for personal loans from ICBC, the applicant can also provide these certificates to the lending institutions, which can also increase the loan amount to a certain extent.