ICBC Tianlibao cannot mortgage loans. Because Tianlibao is a money fund with relatively high liquidity, it is a cash management and net worth wealth management product issued by ICBC in early 20 18. Tianlibao products are developed, purchased and redeemed every working day.

1. Can ICBC Tianlibao be transferred out at any time?

ICBC Tianlibao can be transferred out at any time. ICBC Tianlibao belongs to fixed income category, non-guaranteed floating income category and has no fixed term. The product risk rating of ICBC Tianlibao is PR 1. Pr 1 indicates the product guarantee principal, and the expected income is less affected by risk factors. ICBC Tianlibao is suitable for conservative, steady, balanced, growth-oriented and enterprising customers with and without investment experience who have been assessed by ICBC's customer risk tolerance. If the factors affecting investors' risk tolerance change, it is necessary to complete the risk tolerance assessment in time. The overall risk of bank Tianlibao is low, and the product income changes with the investment performance. There are objective risks in financial products. In the worst case, investors may not be able to get income and may face the risk of principal loss, although it may not happen.

2. Can ICBC Tianlibao be redeemed every day?

ICBC Tianlibao cannot be redeemed every day. You need to log in to online banking at 9:00- 15:30 on weekdays and select the function of "Fortune Plaza-Wealth Management-My Wealth Management" to redeem Tianlibao (XLT 180 1) wealth management products. In addition, investors can also handle it through channels such as mobile banking and business outlets. Tianlibao (XLT 180 1) wealth management products have the following characteristics: high security: major investment deposits, bonds and other highly liquid and low-risk assets can be purchased with or without investment experience; Good liquidity: redemption within the opening hours of every working day, real-time confirmation, and the funds arrive in the account in T0 seconds; Considerable income: purchased during business hours on weekdays, confirmed in real time on the same day, value; Convenient purchase: online banking, mobile banking and other channels can be purchased.

ICBC Tianlibao is a wealth management product independently designed, invested, operated and sold by China Industrial and Commercial Bank. In order to protect the legitimate rights and interests of investors, don't tell others the investment information. Investors need to read the product manual carefully before buying ICBC Tianlibao, and make investment decisions according to their own independent judgment.

Can ICBC finance mortgage loans?

The online banking and mobile banking of China Industrial and Commercial Bank support the application of wealth management products, and the specific product types are subject to the provisions of the wealth management product manual.

Tips:

1. Automatic reinvestment pledge of "indefinite" wealth management products is not supported. Please modify the number of reinvestment periods before processing;

2. The maturity date of wealth management products, the maturity date of closed period or the maturity date of minimum holding period shall not be later than the maturity date of one-year loans;

3. Pledge is not supported for wealth management products with an appointment redemption date at the time of purchase. Please cancel the reservation exchange and handle it later;

4. Pledge is not supported when the status of wealth management products is reserved for purchase or redemption;

5. Whether the financial products of subsidiaries support pledge shall be subject to the page display.

(Answer time: 2021March 14. In case of business change, please refer to the actual situation. )

Can I get a loan when I buy wealth management products at the bank? These conditions need to be met.

With the escalating concept of financial management, many people no longer want to deposit their money in the bank to earn interest, but will choose to buy the bank's financial products to earn the expected income. However, some people have little money left after buying wealth management products. When they are in urgent need, they want to pledge their wealth management products to the bank to apply for loans. Is this ok? Let's have a look.

Can I get a loan when I buy wealth management products at the bank?

Yes, many mainstream commercial banks have realized that as long as lenders have deposits, bonds, wealth management products, funds, life insurance policies, accumulated funds and account transactions, they can pledge them to banks to obtain a loan fund, so that they can apply for loans with wealth management products bought by banks.

However, it should be noted that not all wealth management products can be pledged, and the mortgage loan of bank wealth management has nothing to do with the expected rate of return of products, but only with the amount of wealth management and the term of products. The specific requirements of each bank are different. Take ICBC as an example to make an introduction here.

ICBC has the following requirements for pledged wealth management products.

1. Automatic reinvestment of "indefinite" wealth management products to apply for pledge is not supported, and the lender needs to modify the number of reinvestment periods before handling it;

2. The maturity date of wealth management products, the maturity date of closed period or the maturity date of minimum holding period shall not be later than the maturity date of one-year loans;

3. The wealth management products with an appointment redemption date at the time of purchase do not support pledge and need to be handled after the lender cancels the appointment redemption;

4. Pledge is not supported when the status of wealth management products is reserved for purchase or redemption;

5. The financial products of subsidiaries do not support pledge for the time being.

Is ICBC's time deposit ok?

ICBC can apply for time deposit. Application conditions: When handling personal business in ICBC, you must become a personal online banking certificate customer of ICBC. To handle personal business, you must open a personal comprehensive loan account at the counter or online, and attach valuables such as loan account and time deposit certificate to your online banking registration card (wealth management account, Peony Card or Peony Link Card E era). Operating steps: apply for a loan. Applying for a loan means that a customer applies to an individual and signs a loan contract with the sub-account of lump-sum deposit and withdrawal in the registration card or the voucher or book-entry national debt account as pledge. Pledgeable lump-sum term sub-accounts include: passbook-free term all-in-one account associated with smart card, lump-sum term account associated with wealth management gold card, notice deposit account, etc. Apply for a loan. Applying for a loan means that the bank immediately issues a loan according to the personal loan contract that has been applied online. For a loan contract, you can apply for multiple IOUs, but the total amount cannot exceed the total amount signed in the loan contract. Advance payment. Early repayment refers to the early return of the contract that an individual applied for in online banking before it expires. Release the mortgage. Non-pledge refers to the pledge of all deposit accounts in the contract where the principal and interest have been returned. Loan inquiry. Provide customers with information about inquiring or downloading loan details, loan contracts and IOUs. Note: foreign currency lump-sum deposit and withdrawal certificates can be applied as pledge accounts, and the pledged amount is calculated by converting it into RMB at the exchange rate of the day. Individuals who apply online can apply for loans online; The loan contract signed by online banking self-service can only be used to issue loans to online banking. The minimum amount of each loan is RMB 654.38+00,000 (inclusive), the maximum amount of a single loan or the total amount of loans from the same customer is RMB 654.38+00,000 (inclusive), and the loan amount shall not exceed 90% of the pledged deposit amount. Individuals may not extend the loan term. After the loan expires, ICBC will automatically deduct the principal and interest of the borrowed funds from the designated repayment account. If the principal and interest of the loan are not repaid in time, and the loan is overdue for one month, the liquidated damages shall be collected according to the contract. For more than one month, the pledged deposit is used to offset the principal and interest of the loan. Online personal term is up to one year, loan term is less than or equal to half a year, and annual interest rate is half a year. The one-year interest rate is used for more than half a year and less than one year. Only individuals who apply online can repay the loan in advance online. If the online individual is overdue, he can only go to the counter to go through the repayment procedures. If all the loan principal and interest in the customer's loan contract have been repaid, the pledged time deposit certificate will be automatically released. You must first become a U-Shield customer of ICBC, and the U-Shield is in a normal state before you can use personal functions. Only treasury bonds without paper vouchers can handle business online.

This is the last of ICBC's wealth management product mortgage, and it is also the last of ICBC's wealth management mortgage interest rate. I wonder if you have found the information you need?