After the successful application of e-loan, the credit card limit may be affected, and the credit card limit occupied by e-loan will be restored in the first stage. Whether there is a credit card or not, customers can apply for electronic loan again for the recovered part. After applying for e-loan, ICBC will review it according to your comprehensive situation. Finally, please take the actual approval result as the standard.
(Answer time: 2065438+August 20th, 2009. In case of business changes, please refer to the actual situation. )
How many times can ICBC borrow e-loan?
ICBC Ronge Loan can borrow many times within the credit line, and the specific number of times is not specified. For example, the credit line of ICBC Rong E is 50,000. After the user borrows 10000 yuan, there is still a limit of 40000 yuan. At this point, he can continue to apply for a loan, as long as the loan amount does not exceed 40,000 yuan. ICBC Ronge does not need to submit a guarantee when handling the e-loan, but only relies on the credit loan. Different users get different loan amounts.
ICBC Ronge Loan can choose different repayment methods when handling loans, such as average capital and equal principal and interest. Some borrowers can choose to pay interest on schedule and repay the principal in one lump sum. Individuals who have spare money can also apply for early repayment, and the interest is calculated according to the number of days actually occupied by the loan. When different users apply for loans, the loan interest rate is different.
The longest loan period of ICBC Rong E loan is 2 years, and some users can enjoy deferred repayment. You can go through different channels, such as mobile banking, online banking, ICBC e-Life app, etc. When borrowing money, you must borrow it according to your own needs, and don't borrow too much money.
Users must repay the loan on time, and there can be no overdue repayment, because there will be penalty interest after overdue repayment. The longer it is delayed, the more penalty interest will be generated. It should be noted that after overdue repayment, the bank will upload it to the credit information, and the personal credit information will affect the handling of various loans after it becomes bad.
Can ICBC's e-credit line be recovered?
The amount of ICBC e-loan can be recycled, but every time you apply for a loan, you have to go through the examination and approval before you can get the loan amount. Rong E was 18-60 years old when he borrowed money, and he had a fixed job, a stable income source or a reliable repayment guarantee. Users should repay on time after handling, and cannot repay after the deadline.
ICBC can use it to repay E-loan after handling it. When handling loans, it can choose different repayment periods, ranging from the shortest two months to the longest two years, and some customers can enjoy a longer period. The interest generated by the loan is calculated according to the actual loan occupation days, and the user can return it in advance.
ICBC e-Loan can apply for loans through different channels such as mobile banking, online banking, ICBC e-Life app and ICBC e-Link app. Users can also bring relevant information to the bank outlets, and the loans will be received in real time as soon as possible.
ICBC's e-loan can be used for car purchase, home improvement, travel and shopping, but it can't be used in the securities market, futures market and real estate market, can't be used for private lending, and can't be used for matters explicitly prohibited by national laws and regulations. If used illegally, it may be taken back.
Version information: ICBC version 7.10.3.0, ICBC Esheng version 4.10.5, Apple13 (iOS15.3.1system), Huawei Mate 40 (Harmony OS).
Why can't ICBC's e-loan be repaid?
If not, there may be the following reasons:
1. Although ICBC Ronge Loan supports revolving loans, prepayment is a breach of contract. Although compensation is charged, it disrupts the bank's capital plan, which makes the interest earned by the bank different from expected, and also makes the bank think that the user's demand for e-loan is not very high and may not lend again.
Second, the user's credit score in the bank has been lowered, which may be on the gray list. Even if the debt is paid off in the future, it will affect the re-borrowing.
Third, the credit business handled by users in other banks or financial institutions is overdue, or too much debt is owed, which leads to poor credit information and high debt, which affects credit and repayment ability, and will also make Rong E unable to apply for loans again.
I. General situation of the enterprise
China Industrial and Commercial Bank was established in June 1984+ 10/0/. 20051October 28th, 10, the whole company was restructured into a joint stock limited company. On June 27th, 2006, 10 was successfully listed on Shanghai Stock Exchange and Hong Kong Stock Exchange on the same day. China Industrial and Commercial Bank takes service as the foundation, insists on creating value by service, and provides comprehensive financial products and services to 865,438+million corporate customers and more than 650 million individual customers worldwide. Consciously integrating social responsibility into development strategies and management activities has been widely praised in developing inclusive finance, supporting precise poverty alleviation, protecting environmental resources and supporting public welfare undertakings. Always focus on the main business, adhere to the origin of serving the real economy, and grow together with the real economy to survive, * * * bear the wind and rain, * * *; Always adhere to the risk orientation, firmly hold the bottom line, and constantly improve the ability to control and resolve risks; Always adhere to the grasp and follow the operating rules of commercial banks, and strive to build a "century-old shop"; Always persist in striving for progress in stability, innovative development, continue to deepen the strategy, and actively embrace the Internet; Always adhere to professional focus, develop professional business model and forge "great craftsmen". For seven consecutive years, it ranked first in the sub-list of British Bankers Global Bank 1000, Forbes Global Enterprise 2000 and Fortune 500 commercial banks in the United States, and ranked first in the list of Top 500 Brand Values of British Brand Finance Global Banks for four consecutive years.
Second, corporate culture.
Mission: to provide excellent financial services, serve customers, repay shareholders, achieve employees and contribute to society.
Company vision: to build a world-class modern financial enterprise with global competitiveness, which is "excellent in value, firm in origin, preferred by customers, leading in innovation, safe and steady, and people-oriented".
Company values: do things sincerely and go far; Honesty, humanism, steadiness, innovation and Excellence.
Third, social responsibility.
ICBC actively carried out poverty alleviation work, and was awarded the title of "Pioneer of People's Livelihood Action in China in 2008" by China Foundation for Poverty Alleviation, and the title of "Advanced Poverty Alleviation Unit Designated by Central State Organs and Other Units" by the State Council Poverty Alleviation Office. Continue to donate 6,543,800 yuan to Peking University Education Fund; During the Olympic Games, "zero accidents in production and operation" and "zero complaints in Olympic service" were realized, which made positive contributions to the success of the Olympic Games. Adhere to the concept of giving back to the society, organize employees to enter the community from time to time, and carry out a series of youth volunteer activities under the unified name of "China Industrial and Commercial Bank Youth Love Action".