Call ICBC customer service hotline 95588 to directly transfer to personal loan service, which is also ICBC's comprehensive service hotline. General consulting business and handling business can be carried out through this phone. If you want to apply for a loan, you can consult the materials you need to prepare first, and then fill out the application form at ICBC outlets to apply for a loan. When making this call, first select the business to consult according to the voice prompt. If you need to transfer the manual customer service call, please call first, wait for the voice broadcast for a while, then press "9", and then select the corresponding service according to the prompt to connect the manual customer service of ICBC. Please note that if there is no answer, the system may be busy. It is recommended to dial later. So, if you want to apply for a loan in China Industrial and Commercial Bank or know the relevant loan information, you can call this number for consultation. In addition, you can learn about the loan information through ICBC's online banking, and you can also apply for a loan online.
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Matters needing attention in handling loans
1. Loan amount: When applying for a loan, the applied amount should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment. The loan amount should be reasonable. Be sure to make a budget before applying for a loan. The loan amount can be increased by 10% on the basis of the budget. If you exceed this limit, you may have to pay for your irrationality. Ask the total interest of the loan. Zero interest rate is not equal to zero interest, so don't confuse the two. The so-called zero-interest loan products generally transfer interest to fees, guarantees and other items. After careful calculation, it is not necessarily cheap.
2. Loan information: The borrower must ensure that the information it provides to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan. Confirm whether the materials are ready. Collect four sets of loans: copy of personal ID card, work certificate, punch card salary and personal credit report, and you can almost summon the credit manager. And determine whether you meet the loan application conditions, including age, work place and working years in this unit, income requirements, credit status, occupation or industry restrictions and so on. If these six elements are up to standard, you can apply with confidence.
3. Purpose of the loan: When filling in the purpose of the loan, the borrower should write down the purpose of the loan frankly and clearly, which will make it easier to pass the examination. That is, the use of loans should be in compliance. If you plan to use it for gambling and usury, the bank will definitely avoid you. And if you use it for stock trading, futures trading and wealth management products, these banks are also not allowed.