Rong e loan is a personal credit loan brand of ICBC, with a maximum term of 2 years, and some customers can enjoy a maximum term of 5 years. The maximum amount of self-service application is 200,000. After the application is successful, the loan amount will occupy the credit card amount. Please refer to the actual treatment for details.

You can apply through online banking, mobile banking, ICBC e-life and e-finance, or you can apply at any branch of ICBC in different places with your valid ID card, or through the smart terminal of the branch.

Whether the specific conditions are met can be viewed in the application interface, and the loanable amount information can be viewed in the "Current loanable amount" and "Total amount" displayed in the application interface. The actual loanable amount is subject to the final approval result of ICBC.

(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation. )

How does ICBC borrow money?

The specific ways of ICBC loan are:

First, through ICBC mobile banking loans. Log in to ICBC Mobile Banking, find the loan option on the home page, select personal credit loan "ICBC e-loan", and then follow the instructions on the page.

2. ICBC online banking loan. Log in to ICBC Online Banking, click Apply for Loan, select personal credit loan "ICBC Finance E Loan", and then follow the prompts on the page.

Third, apply for loans through ICBC e-Life APP. Download and open the ICBC e-Life APP, select a loan after logging in, click the personal credit loan "ICBC e-Loan", and then follow the prompts on the page.

4. Go to the business outlets of ICBC. Bring your personal ID card, household registration book and other relevant information and go directly to the ICBC offline counter.

What loans does ICBC have?

ICBC has many loans, which are mainly divided into the following four categories:

1. Housing loans: first-hand personal housing loans, second-hand personal housing loans and provident fund housing loans.

2. Consumer loans: personal car loans, electronic loans and personal housing consumption loans.

3. Commercial loans: personal commercial loans and personal commercial loans.

4. Special loans: individuals, personal loans, online loans and personal loan card loans.

Domestic business of Industrial and Commercial Bank of China

In China and 28 countries and regions around the world, in 2008, China Industrial and Commercial Bank had 385,609 employees, an increase of 7,565,438+02 over the previous year, providing a wide range of high-quality financial products and services to 65.438+0.9 billion individual customers and 36.5438+0 million corporate customers. There are nearly 65,438+7,000 domestic and foreign institutions, covering most large and medium-sized cities in China and major international financial centers, providing quality services directly to customers; The leading e-banking platform in China has four channels at your fingertips: online, telephone, mobile phone and self-service banking, providing six services: fund management, payment, marketing service, financial management, agency sales and e-commerce; VIP financial center, telephone banking, exclusive channels for online banking and professional financial planners provide unique services for VIP customers. ICBC has also established correspondent bank relations with more than 65,438+0,400 domestic banks and 65,438+022 countries and regions, and its global service network has been further improved.

China Industrial and Commercial Bank regards the first year after listing as the "year of quality service", systematically improves and upgrades its services in terms of business processes, distribution channels, service models and product types, and continues to move towards the goal of building a financial enterprise with the best service in China.

China Industrial and Commercial Bank has the largest customer base in China, and is one of the largest commercial banks in China and one of the top 500 enterprises in the world. Provide diversified and professional financial services for corporate customers and individual customers. Wide range, large business volume and rich business varieties. At the end of 2003, the balance of personal consumption loans reached 407.5 billion yuan, and the market share of personal housing loans ranked first in the country. 95.95 million peony cards were issued, and the consumption was about 97.3 billion yuan. In 2003, the accumulated bill transaction was 654.38+0.677 1 100 million yuan. The market share of RMB settlement reached 45%, and the market share of securities and futures remained above 50%. China Industrial and Commercial Bank is also the largest asset custody bank in China, with 28 custody funds and total assets of 58 1 100 million yuan.

China Industrial and Commercial Bank has the most advanced technology level in China. On the basis of data centralization project, ICBC successfully put into production the All-functional Bank (NOVA) system in 2003. Together with the data warehouse which provides the technical basis for personalized service, * * * constitutes an international advanced financial information technology platform, which provides a strong impetus for the progress of business and management.

With the strong support of scientific and technological means, various businesses of China Industrial and Commercial Bank are constantly innovating. The three-dimensional service system of electronic banking, which consists of self-service banking, telephone banking, mobile banking and online banking, is becoming more and more mature. More than 400 cities have opened online banking. In 2003, the transaction volume of electronic banking reached 22.3 trillion yuan, and the transaction volume of online banking was 19.4 trillion yuan.

China Industrial and Commercial Bank implements a unified management system for commercial banks authorized by legal persons. The head office of China Industrial and Commercial Bank is the operation and management center, capital dispatching center and leadership and command center of the whole bank. Possess the corporate property rights of the whole bank and be responsible for the efficiency, safety and liquidity of the whole bank's operation. On the basis of authorization and credit management, the branch management mode of "one-level management and two-level monitoring" is implemented to achieve the purpose of steady operation, risk prevention and economic benefit improvement.

ICBC has realized the diversification and innovative development of intermediary business. In 2008, ICBC's net fee and commission income reached 44 billion yuan, a year-on-year increase of 65,438+04.7%. Emerging businesses such as bank card, investment banking, asset custody, enterprise annuity, cash management and wealth management have developed rapidly and healthily, and all indicators rank first among domestic peers.

The number of bank cards issued exceeded 238 million and the consumption was nearly 800 billion yuan, of which the number of credit cards issued exceeded 39 million and the consumption exceeded 250 billion yuan, further expanding the market leading edge; The income of investment banks increased by 78.2%, and 52 bonds were underwritten in the whole year, with an underwriting amount of 654.38+0646 billion yuan, making it the largest bond underwriting bank in China for the second consecutive year; The income of custody business increased by 465,438+0%, and the scale of custody assets ranked first in China for 65,438+065,438+0 years, maintaining a leading position in the custody fields such as funds, annuities and insurance; The domestic market share of enterprise annuity business is close to 50%, and it is the largest enterprise annuity service institution in China. The wealth management business continued to grow strongly. In the whole year, 265,438+06 wealth management products were launched, of which the sales of self-developed wealth management products were about 265,438+09.76 billion yuan, up 765,438+05% year-on-year.

How to borrow ICBC credit card loans? It's a little troublesome but very economical!

Credit cards have appeared in China for many years, and there are many people who own them. Many cardholders want to apply for loans through credit cards, but they can't. Today, taking ICBC credit card as an example, I will tell you how to borrow credit card loans, and friends who need loans can learn about it.

ICBC's credit card loan is mainly to provide e-installment for everyone. E provides you with RMB loans of more than RMB 654.38+100000 by stages. The number of installments can be freely selected from 6 to 36, and the loan interest rate can be discounted to let me tell you how to borrow ICBC credit card E installment loan.

1. Submit a loan application

I took my ID card and ICBC credit card to the nearest ICBC outlet to submit a loan application. If you don't have an ICBC credit card, you can apply for an e-installment credit card immediately.

2. Approve the next paragraph

ICBC will spend some time reviewing your application for e-installment loan, but the time will be shorter. Once the loan application is approved, the funds will arrive in real time.

3. Use of loans

After everyone's funds arrive, they can use a special debit card for credit card consumption. The main purpose of the loan is to buy a car, rent a house, education, tourism, home improvement, wedding and so on.

Generally speaking, ICBC's credit card loan will be a little troublesome to handle, but the loan interest rate is very favorable and attractive to borrowers.

What loans does ICBC have?

What loan business does ICBC have?

I. Housing loan

1, housing provident fund (portfolio) loan

Housing provident fund loan is a special housing consumption loan based on housing provident fund, which is issued to people who pay housing provident fund for the purchase, construction, renovation and overhaul of their own houses.

2. First-hand personal housing loans

First-hand personal housing loan refers to the loan issued by the lender to the borrower for the purchase of housing built and sold (pre-sold) by real estate development enterprises according to law.

3. Second-hand personal housing loans

Second-hand personal housing loan refers to the loan issued by the lender to the borrower to purchase the house that the seller has obtained the house ownership certificate, has the complete disposal right and can be legally traded in the secondary market.

4. Personal housing loan with fixed interest rate

Fixed-rate personal housing loan refers to the personal housing loan issued by the lender to the borrower, and the loan interest rate does not fluctuate with the interest rate adjustment of the People's Bank of China or the change of market interest rate within the agreed period.

5. Direct personal housing loans

Direct personal housing loan refers to the personal housing loan that the borrower directly applies to ICBC without the recommendation of real estate development enterprises or real estate brokerage companies.

6. Personal self-built housing loans

Personal self-built housing loan refers to the loan issued by the lender to the borrower for self-built housing.

Second, consumer loans.

1, jung borrowed

Rong e loan is an unsecured and unsecured RMB loan issued by our bank to borrowers who meet certain conditions for personal legal and compliant consumption purposes.

2. Personal housing consumption loans

Personal housing consumption loan is a RMB loan issued by Industrial and Commercial Bank of China to borrowers for household consumption purposes such as decorating houses, purchasing housing decoration materials, durable consumer goods and so on.

3. Personal car loan

Personal car loan is a RMB-guaranteed loan issued by Industrial and Commercial Bank of China to customers who apply to buy their own cars.

4. Easy loans

Easy Loan is a credit consumption credit service provided by China Industrial and Commercial Bank in combination with certain rules for customers with manual bank debit cards (or passbooks) and credit cards to swipe their cards or shop online at ICBC's special merchants.

5. Personal cultural consumption loans

Personal cultural consumption loan is a RMB loan issued by China Industrial and Commercial Bank to borrowers for personal education and training, travel, wedding, beauty and fitness, club membership activities and other cultural consumption purposes.

6. Personal student loans

The national student loan is a RMB loan issued by Industrial and Commercial Bank of China to students from poor families in colleges and universities in China who signed a cooperation agreement, which is used to pay tuition, miscellaneous fees and living expenses.

7. Personal loan for studying abroad

With the development of globalization, international talents are favored and the trend of educational integration is strengthened. Do you also have plans to study abroad?

Three. Operating loan

1, personal business loan

Personal business loans refer to RMB-guaranteed loans issued by Industrial and Commercial Bank of China to customers for business activities.

2. Personal employment loans

Personal employment loan refers to the RMB provided by Industrial and Commercial Bank of China to customers for the guarantee or credit needed by customers or their business entities for legitimate business activities.

3. Personal commercial vehicle loans

Personal commercial vehicle loan is a loan issued by Industrial and Commercial Bank of China to customers for the purpose of car purchase profit.

4. Personal commercial housing loans

Personal commercial housing loans refer to loans issued by China Industrial and Commercial Bank to customers for the purchase of commercial housing.

Fourth, characteristic loans.

1, individual

Individuals are RMB loans granted to customers by Industrial and Commercial Bank of China with legal and effective collateral as the guarantee.

2. Personal loan online loan

Personal online loan (online loan) refers to a personal revolving loan that customers apply for, withdraw and repay loans through internet channels such as counter or online banking and mobile banking.

3. Personal loan card loan

Personal loan card loan is a value-added service provided by China Industrial and Commercial Bank to facilitate customers to use personal loans.

4. Personal entrusted loans

Personal entrusted loan refers to the loan service business in which China Industrial and Commercial Bank of China-China Industrial and Commercial Bank accepts the entrustment of the principal, and the principal provides funds to distribute, supervise the use and assist in recovery to individual customers according to the loan object, purpose, amount, term and interest rate determined by the principal.

5. Personal credit loan

Personal credit loan is a RMB credit loan issued by Industrial and Commercial Bank of China to customers with good credit standing without providing guarantee.

How to handle ICBC? There are several kinds to choose from!

China Industrial and Commercial Bank is a well-known financial institution in China, with many high-quality credit products. For ordinary users, the best way to meet financial problems is to pay quickly, with low interest and convenient application. Today, let's introduce how ICBC handles it.

1. What are the types of ICBC?

1, credit card installment payment

If you have an ICBC credit card in your name, you can make good use of this financial tool to apply for ICBC credit card installment. If you have a good reputation, the next payment will be quick. However, it should be noted that credit card installment and cash withdrawal will involve handling fees and interest.

2. Personal mortgage loan

Personal mortgage loan is also relatively simple to handle. As long as the borrower can provide loan collateral recognized by the bank, he can apply for a loan. Generally speaking, the higher the value of the loan collateral, the higher the loan amount that the borrower can apply for and the higher the loan approval rate.

3. Credit loan

ICBC also has some pure credit loans, which can be applied quickly by providing personal data and credit reports, but the loan interest will be higher than that of mortgage loans, and the amount will be lower, which requires the attention of borrowers.

Second, how to handle ICBC?

1. The borrower applies for a loan from China Industrial and Commercial Bank, and submits the loan application form and relevant materials;

2. After reviewing the borrower's materials, ICBC will contact the borrower to sign a loan contract and issue loan funds according to the contents of the contract;

3. After the bank distributes all the loan funds to the borrower's personal account according to the contract, the borrower shall repay the loan principal and interest on time according to the loan contract.

This is the end of the introduction of ICBC credit card loans and ICBC credit card loans. I wonder if you have found the information you need?