According to the regulations, the current fast loan money can be transferred to your own bank card. The user logs in to the mobile banking APP and clicks the cash withdrawal card. Funds enter the user's debit card special account for quick loan, which can be withdrawn directly.
Or log in to personal online banking and click on the loan service-put the money from quick loan into the bank card. The loan funds of fast loans can only be used for consumption, not for investment, house purchase and futures trading of commercial paper projects such as individual stocks.
Second, ICBC e loan conditions Our husband and wife do business, and ICBC has a mortgage. Can we do that?
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Third, what are the shortcomings of ICBC's housing reaching E stage?
Disadvantages: the examination conditions are strict. As long as the user applies for ICBC's e-loan, the applicant's conditions need to be examined every year. Once the applicant's conditions are not met, the user will not be able to successfully apply for ICBC's e-fast loan. ICBC's e-fast loan is not suitable for people without real estate, because ICBC's e-fast loan is a loan business that requires users to use mortgage to reach the application amount. After the user successfully applies for this product, the loan amount of this product is only used for production and operation. ICBC launched ICBC e-fast loan to strengthen policy support for small and micro enterprises. Users can apply online, evaluate online, and also borrow commercial loans for many years. In most cases, they provide support and extend the principal and interest to support small and micro enterprises to tide over the difficulties. ICBC's e-fast loan is a loan product under ICBC, which is mainly based on users' personal property as collateral. In order to attract more users, ICBC has launched various loan products for users to apply for. ICBC's e-fast loan is an online loan mainly provided by ICBC for small and micro enterprises, which can be recycled after users apply successfully. Advantages: It has a wide range of users, and all small and micro enterprises or individual industrial and commercial households can apply. Small and micro enterprises, small and micro enterprise owners and individual industrial and commercial households can apply for loans as long as the borrower is between 18-65 and there is no problem with personal credit information. The application channel is convenient and fast. To apply for this product, you don't need to provide the running water certificate of the enterprise or business owner, just apply online in the APP. Moreover, the loan interest rate of this product is relatively low, and the interest rate of 4.05% is even lower than the interest rate of 5.05% of ordinary mortgages. Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Housing loan Personal housing loan refers to a loan issued by a bank to a borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loan Personal housing entrusted loan refers to the loan granted by banks to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds according to requirements. Also known as provident fund loans. Self-operated loans Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. Portfolio loan Personal housing portfolio loan refers to a loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan. In addition, there are housing savings loans and mortgage loans.
4. Can ICBC's e-loan mortgage house be handled?
ICBC e Express Loan is not mortgaged.
Applicants need to meet certain application conditions before applying. At the same time, the product does not require enterprises or business households to provide tap water certificates, and applicants can apply online. At present, the loan applicant must be in a specific area. Secondly, small and micro enterprises operated by users must be established for more than 1 year. Finally, the user's industrial and commercial registration must be normal. Only when the above requirements are met can you apply for a loan.
Generally speaking, ICBC e can't apply for quick loans if it has a house. Even if it does not meet the loan conditions, it will be rejected soon after submission, so this kind of loan application is meaningless. In other words, before submitting a loan application, users must meet all the application conditions of ICBC e-Express Loan.