Can I borrow it again if the e-loan is still 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. How many times can you borrow from ICBC e-Loan
ICBC e-Loan can borrow multiple times within the credit limit, and there is no specific limit on the number of times you can borrow. For example, the ICBC e-loan credit limit is 50,000. After borrowing 10,000 yuan, the user still has a limit of 40,000 yuan. At this time, the user can continue to apply for a loan, as long as the loan limit does not exceed 40,000 yuan. ICBC e-Loan does not require the submission of guarantees when applying for loans, only credit loans, and different users receive different loan amounts.
ICBC e-Loan allows you to choose different repayment methods when applying for a loan, such as equal amounts of principal and equal amounts of principal and interest; some borrowers can choose to pay interest on schedule and repay the principal in one lump sum. When individuals have spare money, they can also apply for early repayment. The interest is calculated based on the actual number of days the loan is occupied. Different users have different interest rates when applying for loans.
The longest loan period for ICBC e-borrowing is 2 years, and some users can enjoy deferred repayment. You can apply through different channels, such as mobile banking, online banking, ICBC e-life app, etc. When borrowing, you must borrow according to your own needs and do not borrow too much money.
Users must repay on time after borrowing money, and there must be no overdue repayment, because penalty interest will accrue after overdue repayment. The longer the time, the more penalty interest will be generated. It should be noted that after overdue repayment, the bank will upload it to the credit report. If the personal credit report becomes bad, it will affect the processing of various loans. Can ICBC e-Loan still lend out after repayment?
ICBC e-Loan can still lend out after repayment, as long as the user's borrowing amount does not exceed the credit limit. When ICBC e-loan borrows money, different users get different amounts. The amount is between 6 million and 800,000 yuan. When borrowing, interest is calculated based on the actual number of days the loan is occupied. Different users get different loan interest rates. The ones with lower interest rates pay out Less interest.
ICBC e-Loan is a pure credit loan. Users do not need to submit any collateral when borrowing, but it is only granted to borrowers who meet specific conditions. The applicant must be between 18 and 60 years old at the time of borrowing, and the applicant’s work unit or habitual residence should be at the location of the loan-issuing institution; other conditions stipulated by ICBC.
In ICBC e-Loan, you can choose different repayment times when borrowing. The minimum term is two months and the maximum is generally two years. Some customers can enjoy longer terms. The money obtained can be used for car purchases, home decoration, travel, shopping, etc., but cannot be used in the securities market, futures market, real estate market, etc.
ICBC e-Loan can be used for borrowing through different channels, such as online banking, mobile banking, ICBC e-Life App, business outlets, etc. After borrowing, you must repay it on time, and you must not repay it overdue, because late repayment will generate penalty interest. The longer the time, the more penalty interest will be generated and it will affect your personal credit report.
Version information: Take ICBC version 7.1.0.3.1, Apple 13 (IOS15.4.1 system), and Huawei mate40 (HarmonyOS2 system) as examples. Can I still borrow money after paying off ICBC e-Loan?
Like most credit loans, ICBC e-Loan can be borrowed and repaid at any time, so it also supports early repayment. You only need to call Just submit an application to the bank and pay it back after passing the bank's review. However, early repayment is considered a breach of contract and requires early repayment compensation, except for early repayment on the day of successful application. After ICBC e-Loan repays the loan in advance, you can still borrow again as long as there is a limit.
Ronge Bank’s online banking is a comprehensive upgrade of traditional online banking. The new version of online banking adheres to the grand, stable, customer-centered design concept and provides a minimalist, flat, intelligent, and visual functional experience. Comprehensively optimize traditional online banking account enquiries, transfers and remittances, investment and financial management, daily payment and other functional services to create a smarter, more favorable, more open and safer comprehensive financial service platform.
Smarter, smarter and more personalized exclusive service integration calendar: can intelligently record the financial services you handle at ICBC, including purchased products, customer income, expenditures, credit card repayments and other financial services Behavior. Can be displayed and prompted in the form of a timeline. You can also personalize and customize the financial calendar through the financial portal, realizing the organic combination of financial services and intelligent reminders in daily life. Assets and liabilities: Make your assets and liabilities graphic and visual. It can be said that a picture is worth a thousand words. Guess you like it. Based on nearly a hundred data models, we proactively recommend different products based on customer assets, transaction behavior and other data. My Card Package: Graphically display and manage your bank cards. After logging in through "My Online Banking", the system displays three commonly used card samples by default. When you place mouse commands over the card graphic, the account balance is displayed on the card. Click on the card details to check the details corresponding to the account.
More discounts, providing you with more value-for-money preferential services. Transfers and remittances are more affordable: Domestic RMB online banking transfers below 50,000 yuan are received in real time, and domestic RMB online banking transfers and remittances below 5,000 yuan are free of charge. Reduce your expenses. More preferential life services: Provide you with mobile phone recharge, air tickets, hotels, life entertainment and other services covering various life scenarios. The exclusive "Xianghui" Thursday brand activity launches preferential promotions every Thursday. Daily discounts are not closed, and exciting activities are continuously added. Shopping is more affordable: seamlessly connect with Rongge Mall. Ronghui products can be purchased directly through online banking. Points can be borrowed for shopping, making shopping easier, more real and more valuable.