"E-to-fast loan" is an online loan in which the borrower takes high-quality real estate in a specific area as collateral and the loan funds can be used for daily production and operation. Small and micro enterprises and small and micro enterprises' main online revolving loans are only used for reasonable capital turnover needed for production and operation. The specific areas include Dalian, Ningbo, Qingdao, Shenzhen and Xiamen. Please consult ICBC customer service for specific areas. It is recommended to pay attention to the local ICBC WeChat official account to understand the situation.
Applicable people: natural persons with full civil capacity, aged between 10 (inclusive) and 65 (inclusive), individual industrial and commercial households or small and micro enterprises as legal persons and their spouses.
Loan purpose: daily business turnover of the enterprise.
Mortgage method: Only high-quality real estate in local urban areas can be mortgaged, and the collateral must be a house with clear property rights under the names of the borrower (including spouse), parents and children.
Mortgage rate: no more than 70% of the appraised price.
Loan amount: the maximum amount of a single customer does not exceed 5 million yuan.
Loan term: the longest revolving line is 10 year, which is settled once a year and can be recycled.
Loan interest rate: the personal real interest rate is 4.05%, and the legal person real interest rate is 3.85%.
Loan expenses: All expenses are borne by the bank, and the borrower has no expenses.
Loan methods: one-time mortgage, system evaluation, intelligent loan review, revolving loan, on-demand loan and daily interest calculation.