Many people want to know whether ICBC can borrow money on mobile phones. Here we can tell you that this is for sure. In fact, it is very simple for ICBC to borrow money on mobile phones. Just download an ICBC mobile banking, click on the loan on the home page, and you can see all the loan products that support mobile banking. Just choose the loan product you want to apply for.
Can ICBC borrow money on mobile phones?
ICBC's mobile banking loans include e-loans, micro-e-loans, personal housing loans and personal housing loans, which are suitable for lenders with different qualifications.
1. Rong e is a personal consumption credit loan, suitable for ordinary office workers. Borrowers can apply for assets, but they must have stable income and good credit. When applying, they should use U shield or cipher to check the signature and follow the prompts to operate the loan. Pay attention to whether e-loan supports ICBC's directors, supervisors, managers, credit practitioners and their close relatives.
2. Xiaowei e-loan is an operating loan. Small and medium-sized business owners or self-employed individuals can handle it with their business licenses and tax payment vouchers. It also includes business fast loans for credit applications, e-to-fast loans for real estate applications, online loans for real estate applications, and e-chain fast loans for upstream and downstream core enterprises.
3. Lenders with financial assets can apply, and the financial assets used for pledge are different according to the loan purposes such as consumption and operation. Please note that there are application restrictions. No more than 3 applications per person per day and no more than 15 applications per month.
4. Personal housing loans are suitable for lenders who want to buy a house. Lenders can fill in the loan application form on ICBC's mobile banking, and submit the materials and face-to-face signing at the local ICBC outlets after passing the preliminary examination. For specific requirements, please consult the local ICBC loan outlets.
5. Personal housing loan refers to applying for a loan from the bank with the property with clear property rights under the borrower's name as the guarantee, and the corresponding loan purpose needs to be selected when the loan is made. Online processing is not supported in some areas, subject to the tips on the loan page.
The above is "Can I get a loan on ICBC's mobile phone?" I hope it helps you.
What are the personal consumption loans of ICBC _ how to apply?
Personal consumption loan of ICBC
Personal consumption loans refer to loans provided by banks to borrowers for personal consumption, including but not limited to training, travel, wedding, beauty and fitness, study abroad and other purposes. There are many kinds of personal consumption loan products of ICBC, including e-loan, personal home consumption loan, personal car loan, easy loan, personal cultural consumption loan, personal student loan and personal study abroad loan.
Rong e steet
Rong e loan is an unsecured and unsecured loan issued by ICBC to borrowers who meet the loan conditions. The loan amount is between 6 million and 800,000, and the loan period is as short as 2 months and as long as 2 years. Borrowers can choose according to their actual needs. The loan amount can be used for car purchase, decoration, shopping and other purposes, but not for stock trading and private lending. There are currently online and offline processing methods. Online refers to online banking, mobile banking, ICBC e-life APP, and offline refers to bank outlets.
Personal housing consumption loan
Loans are mainly used to decorate and decorate houses, and purchase large-value consumer goods such as house decoration materials and durable consumer goods. The maximum loan amount is 6,543,800 yuan and the longest loan period is 5 years.
Personal car loan
It is a RMB-guaranteed loan issued by Industrial and Commercial Bank of China to customers who apply for car purchase. The maximum loan amount can reach 80% of the car purchase price, and the maximum loan period is 5 years. There are two loan models: direct customers and indirect customers.
Direct customer service: the borrower directly submits the application materials related to the auto loan to ICBC, and the bank signs the loan contract and guarantee contract after the loan investigation and approval. The borrower will go to ICBC's car dealer to buy a car.
Intermodal mode: the borrower buys a car at the special automobile dealer of ICBC, submits relevant loan application materials, and the automobile dealer transfers to ICBC to apply for a loan. After the loan investigation is approved, the bank signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
Dai Yi
Easy Loan is a credit consumption credit service provided by China Industrial and Commercial Bank of China to customers who hold debit cards (or passbooks) and credit cards of China Industrial and Commercial Bank of China. According to certain rules, it can be used by special merchants of China Industrial and Commercial Bank for credit card consumption or online shopping. The loan term can be freely selected from four terms: 6 months, 12 months, 24 months and 36 months, and the loan will be repaid by equal monthly installments.
Personal cultural consumption loan
Loans are mainly used for personal education and training, tourism, wedding, beauty and fitness, club membership activities and other cultural consumption purposes. The maximum loan amount is 6,543,800 yuan, and the longest loan period is 654.38+00 years.
Personal student loan
Personal student loans are divided into national student loans and commercial student loans. The national student loan is applicable to full-time undergraduates, junior college students (including vocational college students), graduate students and students with second bachelor's degree, to ensure that poor students can successfully complete their studies, with a maximum of 6,000 yuan per academic year. The borrower must pay off the loan within 6 years after graduation. The amount of commercial student loans shall be determined by the bank according to the borrower's credit status and the guarantee provided, and the maximum amount shall not exceed 500,000 yuan. The shortest loan period is 6 months and the longest is 8 years.
Personal loan for studying abroad
Personal study abroad loans provided by ICBC are divided into withdrawal-type personal study abroad loans and non-withdrawal-type personal study abroad loans, of which the maximum amount of withdrawal-type personal study abroad loans is 2 million yuan; Personal loan for studying abroad is not available, with the maximum loan amount of 654.38+0 million yuan and the longest loan period of 654.38+00 years.
What personal loan products does ICBC have? You'll know after reading it
As one of the state-owned banks, ICBC has many loan products, which can basically meet the needs of customers. For example, if individual users are in urgent need, they can apply for ICBC personal loan products. There are several types of personal loan products of ICBC. Let's take a look at them.
1, individual housing loan:
Loans granted by ICBC to borrowers for purchasing houses built and sold (pre-sold) by real estate development enterprises according to law mainly include first-hand personal housing loans, second-hand personal housing loans, personal housing portfolio loans and personal housing provident fund loans.
2. Personal commercial loans:
Renminbi secured loans for business activities include personal business loans and personal business loans.
3. Personal consumption loans:
Banks provide RMB loans to individual customers for designated consumption purposes, including the following four types:
1) ICBC Financial E-loan is a credit consumption loan of ICBC, which can only be used for personal consumption without mortgage guarantee.
2) Individuals: that is, loans that lenders apply for with their own products, such as time deposits and government bonds, as security.
3) Personal loan for studying abroad: The loan granted by China Industrial and Commercial Bank to the borrower is mainly used to pay the tuition and fees, living expenses, accompanying fees and other expenses required by the borrower or his immediate family members during their study abroad.
4) Personal home consumption loan: it can be used to decorate houses, buy house decoration materials, durable consumer goods and other large consumer goods, which can be recovered upon application or returned with the loan.
5) Personal cultural consumption loan: it can be used for personal education and training, travel, wedding, beauty and fitness, club membership activities and other cultural consumption, and can be recovered once applied.
4. Personal car loan:
Is used to buy a car loan, divided into personal car loans and personal commercial car loans. The former is used to buy a car, and the latter is used to make a profit by buying a car loan.
This concludes the introduction of ICBC's latest loan products.