Generally, it only takes 1-3 hours to approve the first loan of ICBC's e-loan, and it will arrive in real time after it is approved.
1. ICBC e-loan is a personal credit consumption loan business, which has the advantages of networking, simple review process and fast payment. Those who meet the conditions for applying for E-loan will fill in the information and submit the application. The audit will be completed in 1-3 hours, and the audit result will be notified by SMS.
2. According to netizens who have applied for e-loan, if you want to pass it quickly, you can apply for a credit card of ICBC first, and then apply for e-loan, which is helpful for quick approval. However, the bank has not confirmed this statement. Friends who are in urgent need of approval can try it.
3. At present, there are many ways for ICBC to apply for e-loan, including ICBC e-Life App, online banking and mobile banking. In addition, you can also apply for e-loan through ICBC's offline bank. In general, online application is much faster than offline application. Take mobile banking (version 6.0) as an example to explain the application steps: first, in the "favorites" column, you can find the "loan" application entrance in the lower right corner of the page; After entering the loan page, you can find ICBC's "financing e-loan" at the top; Then click to enter the online application. Generally speaking, if your application is approved, you will get a loan soon. Generally speaking, the approval time and the next payment time of ICBC e-loan are relatively short, so don't worry too much.
1. ICBC electronic loan application conditions. /kloc-China citizens aged 0/8-60 with full capacity for civil conduct; Have a fixed job and a stable source of income; The work unit or domicile is at the location of the loan issuing institution; Other conditions stipulated by China Industrial and Commercial Bank. It is worth noting that ICBC Financial E adopts the white list invitation system, and only high-quality customers can apply. If the audit fails, it is recommended to apply for an ICBC credit card, use ICBC's financial products more, and try to apply again later.
2. ICBC Financial Electronic Loan
1) The interest rate is lower. From now until June 30th, 20 17, the loan interest rate for 1 year is 5.22%.
2) Borrowing from 600 yuan, with a high amount, up to 800,000 yuan.
3) The longest loan term is 5 years and the longest grace period is 12 months. There is no need to repay during the grace period, and early repayment is supported.
4) Repayment flexibly supports four repayment methods: matching principal and interest, average capital, paying interest on schedule and paying principal and interest in one lump sum.
How to get a personal credit loan from ICBC?
ICBC credit loan only needs the lender to meet the loan conditions and bring relevant materials to ICBC business hall for processing. For more information about loans and credit loans, please refer to the people who need large loans over 25-55 years old in Mo Long, as well as the non-online loan groups. They have high reputation, fast lending and are trustworthy!
The credit loans of China Industrial and Commercial Bank are as follows:
1. The lender prepares relevant materials to apply for a loan in the business hall of ICBC, including ID card, household registration book, qualification certificate, marriage certificate, etc. , and fill out the loan application form.
2. The loan auditor of ICBC examines the qualifications of the lender, and the user must meet the corresponding conditions. Users must first open ICBC online banking or mobile banking, and get a U shield or electronic cipher. When re-lending, you should use one of them for safety certification, and then follow the prompts for loan operation.
3. If the approval is completed, ICBC can lend money to the lender.
After maturity, the bank will recover the principal and interest.
In addition, ICBC's credit loan cannot be cancelled after submitting the application. Unless the approval fails, the loan will not be released until it is approved, and the loan can only be terminated if it is paid off in advance.
For more information about loans, please consult Mollon. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.
What conditions does ICBC need for personal consumption loans?
Personal consumption loans of ICBC need to meet the following conditions:
(1) loan application approval form;
(2) The original and photocopy of the spouse's valid ID card, and written proof of consent to mortgage.
(3) Permanent residence permit or valid residence permit, and permanent residence permit;
(4) Effective contact information and telephone number
(5) my valid ID card and a copy of my ID card;
(six) loan use plan or statement:
(7) proof of residential address (household registration book or receipts for rent, water, electricity, gas, etc.). In the past 3 months);
(eight) other information required by the bank.
(9) Proof of occupation and income (original and photocopy of work certificate; Salary passbook issued by the bank, etc. );
(10) loan guarantee
1. If the house is mortgaged, the ownership certificate of the mortgaged house, the identity certificate of the owner (including the legal owner) of the mortgaged house, the marital status certificate and the written certificate of consent to the mortgage shall be provided; The value of collateral shall be determined in accordance with regulations. Conduct evaluation and provide evaluation report; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report.
2. In case of third-party guarantee, the guarantor shall provide the written document of the guarantor's consent to guarantee, the original and photocopy of the guarantor's ID card, relevant credit certificate and other information required by the bank, such as the certificate of personal settlement account opened in China Industrial and Commercial Bank. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures. The bank issues loans to borrowers through transfer.
Introduction of personal consumption loan of China Industrial and Commercial Bank;
The loan is a loan product launched by China Industrial and Commercial Bank. Loan products need to provide Tianjin local real estate as collateral, and applications from private owners, individual industrial and commercial households and other self-employed households are not accepted for the time being.
At present, the maximum loan amount of this loan is 2 million, the minimum loan amount is 654.38+million, and the longest loan period is 60 months.
I'd like to ask how long you have applied for the personal credit loan for industry and commerce.
ICBC's personal consumption credit loan generally takes 5 working days from application to completion of review.
The simple and popular understanding of loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.