ICBC e-loan second application issue

ICBC e-loan will be restored in one period after repayment. Customers with or without credit cards can apply for e-loan again for the restored part. Please refer to the system display when you apply for the specific availability and loan limit. You can check the "current loan limit" and "total loan limit" when applying for online banking or mobile banking.

(Answer time: May 31, 2019. In case of business changes, please refer to the actual situation.) Can the e-loan be borrowed again while it is being processed?

Rong e-borrowing allows you to borrow another loan only after one loan is successful. However, Rong e-borrowing has been processed and has not completed the review, so it cannot be borrowed again, and this application cannot be canceled. , the borrower can only wait patiently for the loan review result to come out.

Generally, ICBC e-borrowing is automatically approved by the system, and the results can be obtained in a few minutes at the earliest. However, if manual review is required, it will take at least 2 working days to process. The borrower can call ICBC for transfer. Customer service inquires about the Rong e-loan processing process. Is ICBC's e-financing loan subject to manual review?

When applying for ICBC's e-financing loan, most applications are reviewed by the system rather than manually. The main form of manual review is telephone return visit. Moreover, manual review will take a long time, thus affecting the bank's loan time. Because Rong e-loans are approved and rejected in seconds, they are all reviewed by the system

Product information

1. Quota: up to 800,000 (mobile banking/online banking, etc. The self-service channel can apply for a maximum of 300,000, and if it exceeds 300,000, you need to go to the counter of a business outlet);

2. Interest rate: as low as 4.35;

3. Period: the longest Can be loaned for 3 years;

4. Repayment method: Borrow and repay at any time, with interest calculated on a daily basis.

Application conditions

1. Age: 18-60 years old;

2. Applicable people:

①ICBC credit card customers;

②Customers who make provident fund deposits (available in some cities);

③Customers who make social security deposits (available in some cities);

④Customers who pay wages on behalf of ICBC ;

⑤Existing customers of ICBC housing mortgage loans.

3. Credit reporting requirements:

① Good credit reporting record, no defects.

Access area

Provident Fund open cities:

Tianjin; Chongqing; Shenyang; Ningbo; Xiamen; Yinchuan; Qinghai; Dehong (Yunnan);

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Hebei: Baoding, Cangzhou, Handan, Hengshui, Tangshan, Xiongan;

Shanxi: Jincheng, Changzhi;

Jilin: Yanbian, Changchun

Heilongjiang: Daqing, Hegang, Jixi, Jiamusi, Mudanjiang, Qitaihe, Qiqihar, Shuangyashan, Suihua;

Jiangsu: Changzhou, Nanjing, Suzhou, Wuxi, Xuzhou, Yangzhou, Zhenjiang;

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Shandong: Qingdao, Binzhou, Zibo, Dezhou, Jinan, Jining, Liaocheng, Rizhao, Tai'an, Weihai, Weifang, Zaozhuang, Laiwu;

Henan: Nanyang, Zhengzhou;

Hubei: Jingzhou, Suizhou, Xianning, Qianjiang, Xiangfan;

Hunan: Changde, Chenzhou, Hengyang, Loudi, Xiangtan, Xiangxi, Yiyang, Yongzhou, Yueyang, Zhangjiajie, Changsha, Zhuzhou;

Guangxi: Baise, Chongzuo, Fangchenggang, Guilin, Liuzhou, Nanning, Qinzhou, Hezhou;

Sichuan: Bazhong, Deyang, Guang'an, Guangyuan, Leshan, Liangshan, Luzhou, Meishan , Mianyang, Neijiang, Panzhihua, Suining, Ya'an, Yibin, Ziyang, Zigong

Guizhou: Anshun, Bijie, Duyun, Guiyang, Kaili, Liupanshui, Tongren, Xingyi, Zunyi;

Shaanxi: Baoji, Hanzhong, Tongchuan, Yulin;

Gansu: Lanzhou, Tianshui, Zhangye, Linxia;

Cities open to social security:

Hebei: Shijiazhuang;

Shanxi: Datong, Jincheng, Jinzhong, Lishi, Linfen, Shuozhou; Taiyuan, Xinzhou, Yangquan, Yuncheng, Changzhi;

Shandong: Binzhou, Dongying, Heze , Yantai, Zaozhuang, Zibo;

Shaanxi: Ankang, Shangluo, Weinan, Xi'an, Xianyang, Yan'an;

Sichuan: Yibin;

Yunnan: Banna, Baoshan, Chuxiong, Dali, Dehong, Diqing, Honghe, Kunming, Lijiang, Lincang, Nujiang, Qujing, Simao, Wenshan, Yuxi, Zhaotong;