ICBC users can query their credit information in the bank by touching and clicking. The following are the detailed steps:
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Click loan options.
Open ICBC and click the loan option.
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Click on credit authorization
Click credit authorization in the loan interface.
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Determine information
Confirm your personal information, and then click Next.
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additional information
Add additional information, and then click Next.
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Click the agree button.
After reviewing the agreement, click the agree button below.
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Verify identity and check credit information
Use verification method to verify personal information and view personal credit information.
Second, how does ICBC borrow money?
ICBC provides various loans. You can log in to ICBC official website (www.icbc.com.cn), click Deposit and Loan, and click Apply for Loan to view the loan type of ICBC. Because the types of loans provided by branches at all levels are different, you can call ICBC's unified customer service 95588 for consultation. ICBC launched personal credit card loans, including e-loans, which is a brand of personal credit loans of ICBC. The maximum term is generally 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. (Answer time: April 2022 15. In case of business changes, please refer to the actual situation. )
3. How to prepay ICBC loans?
1. Open the ICBC app, click Loan, and click Prepayment.
2. Download and install the China Industrial and Commercial Bank APP on your mobile phone, open ICBC and log in.
Click on the loan, and then there is an prepayment at the bottom of your loan amount. You can apply, and then click prepayment in my bill.
Tips:
1) The liquidated damages for early repayment generally do not exceed 6 months of loan interest. Please check the loan contract or contact the loan bank to inquire about the charges;
2) For partial prepayment, you can choose to reduce the monthly repayment amount but keep the term unchanged or shorten the repayment period. However, due to different local regulations, please refer to the actual operation.
3) Self-service, which can be prepaid through online banking or mobile banking.
4. Buying a house with a loan can also be repaid in advance. After the economic conditions improve, you can go through the formalities of prepayment, which can also save some interest. Different banks have different regulations on mortgage prepayment, so what are the regulations of ICBC's mortgage prepayment? Let's get to know each other. Provisions of China Industrial and Commercial Bank on prepayment:
1) If ICBC repays the mortgage in advance for less than one year, it will collect liquidated damages; One year later, if ICBC applies to repay the mortgage loan in advance, no penalty will be charged;
2) ICBC's mortgage prepayment is stipulated according to the repayment amount, and the general minimum prepayment amount is 50,000 yuan;
3) ICBC needs to apply for early mortgage repayment one month in advance.
1. For buyers, how to choose mortgage interest is the most cost-effective?
If you have the ability to buy a house in full, try not to choose to buy a house by stages. Some people think that buying a house by stages can save a lot of money for other investments. In fact, although buying a house in full will spend all your money, if you want to make other investments, you can mortgage the house in full. The interest on the whole house mortgage loan is really low. If you don't have the ability to buy a house in full, you must choose mortgage to buy a house, and you must try to choose a repayment method with a shorter loan period according to your own ability. For example, if you can choose 20-year installment repayment, don't choose 30-year installment repayment; If you can choose 10 years, don't choose 20 years. In short, as long as the repayment period is within the ability, the shorter the repayment period, the more cost-effective.
4. How to borrow a loan from ICBC?
You must have a guarantee or mortgage to apply for a loan. The loan interest rate is determined according to the nature and time of the loan. You can log on to the website of ICBC. Here is a financial trial calculation. You can calculate the repayment and interest yourself.