Application conditions of ICBC e installment loan:
You need to have a normal ICBC credit card and it needs to be local to the applicant bank (including e-installment credit card); E installment available credit card limit demand _ 1 10,000 yuan. If it is a pre-approved customer, you can apply for an e-installment credit card at the on-site intelligent terminal; Have a Class I account in ICBC; No more than 4 debit cards in my name, including current passbook, excluding supplementary cards, medical insurance, social security and military security cards; Online banking or mobile banking needs to be registered.
Icbc e installment loan amount:
According to official sources, the initial amount of e-installment business is 6.5438+0 million yuan, and the highest amount is said to be 800,000 yuan. ICBC e installment is shared with the credit card limit you hold, not an independent limit. Accurately speaking, e-installment is to change the available credit card amount into cash installment, and credit card consumption requires a special debit card. Its bill also follows the credit card.
The number of phases that can be selected for ICBC e-phase is: 6, 12, 18, 24, 30 and 36, depending on the card opening situation, and the longest period shall not exceed 96, that is, 8 years. In terms of processing fees, ICBC will make a comprehensive evaluation decision based on the credit status of the cardholder, the installment amount and the number of installments.
E 30% discount for installment products at this stage. As of 20 18, 10, 3 1, the monthly handling fee rate is 0.35%, and the first installment amount is 10000 yuan. After discount, the handling fee rate of 1 year is about 4.2%, and the longer the loan time, the higher the interest rate.
If you want to prepay ICBC e in installments, you can download ICBC e life on your mobile phone and select "Use Card-Installment-My Installment" after logging in. It should be noted that when the cardholder prepays, the system will give priority to the deduction from the e-installment special debit card, which can be divided into two situations according to the balance of the debit card:
1. When the balance of the special debit card is greater than the prepayment amount applied by the cardholder, the balance will be directly used to return the prepayment amount of E installment, and the remaining amount in the special debit card can continue to be used for the normal consumption of the cardholder;
2. When the balance in the special debit card is less than the prepayment amount applied by the cardholder, the balance will be directly used to repay part of the prepayment amount by installment E, and the remaining unpaid amount will be credited to the credit card account, and the cardholder shall repay on time according to the current statement.