Rong e loan is a personal consumption credit loan provided by ICBC, with a maximum of 200,000 yuan and the longest loan term of 12 months. Many people find that applying for e-loan can repay the interest first and then the principal, which can reduce the repayment pressure. But some people don't know how to apply for interest first. Here's how to do it.
How to apply for interest before capital for ICBC Financial E-loan?
Interest before interest is a repayment method of financing e-loan, that is, paying interest on schedule and repaying the principal at one time. Select this repayment method on the application page. Therefore, the borrower must first understand the loan process of ICBC Finance E and follow the following steps.
1. The borrower downloads the latest version of ICBC Mobile Banking on his mobile phone and logs into his personal account after successful installation.
2. Click "Loan" on the home page to enter the loan page, and click "Financing e-loan" for personal credit loans.
3. Enter the e-loan application page, enter the loan amount, loan term, repayment method (one-time repayment of principal), repayment amount and other information to submit the loan.
4. The system will review the borrower's application, and after approval, it will lend the money to the bank card bound by the borrower.
Note that ICBC's e-loan application may not be successful. If you don't want the loan to fail, you'd better do these things well before the loan:
1. Maintain personal credit. The borrower's credit report had better have no bad records such as overdue and too many credit reports. If there is a problem with credit reporting, the e-loan application will be suspended first, and the credit will be improved for a period of time after the bad behavior is terminated.
2. Become a high-quality customer of the bank, and try to deal with ICBC before applying for e-loan, such as saving money in ICBC, using ICBC credit card to repay on time, or becoming a 5-star or above customer of ICBC.
3. Have a stable repayment ability. On the one hand, you should have a stable working income as a source of repayment, on the other hand, you should have a reasonable debt. If the debt is relatively high, it is best to pay off the debt first and reduce the debt before dealing with it.
The above is the relevant introduction of ICBC Financial E "How to apply for interest before interest", and I hope it will help you.
How to borrow a loan from ICBC?
1, local bank outlets; 2, the local bank credit card center staff; 3. ICBC and CCB support official website's application. Application conditions: 1, at least 18 years old; 2. Have a stable repayment ability. Submit proof: 1, ID card; 2. Work certificate or income certificate; 3. Work phone, home phone and my mobile phone; 4. Tax payment certificate; 5. Proof of assets such as real estate and vehicles under the name of the individual; 5, other bank credit cards and so on. The entry standards of each bank are different, so the above information may not be all, depending on the requirements of the bank. Work or income proof is very important. In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards. First, please ask the credit card salesman or lobby cashier to fill out the application form. The other party will generally ask you to fill in the application form when your conditions are likely to approve the card, and then submit the above information to the bank for approval. Whether or not to approve the card and the amount of the card depends on the comprehensive score of the bank.
How to borrow ICBC credit card loans? It's a little troublesome but very economical!
Credit cards have appeared in China for many years, and there are many people who own them. Many cardholders want to apply for loans through credit cards, but they can't. Today, taking ICBC credit card as an example, I will tell you how to borrow credit card loans, and friends who need loans can learn about it.
ICBC's credit card loan is mainly to provide e-installment for everyone. E provides you with RMB loans of more than RMB 654.38+100000 by stages. The number of installments can be freely selected from 6 to 36, and the loan interest rate can be discounted to let me tell you how to borrow ICBC credit card E installment loan.
1. Submit a loan application
I took my ID card and ICBC credit card to the nearest ICBC outlet to submit a loan application. If you don't have an ICBC credit card, you can apply for an e-installment credit card immediately.
2. Approve the next paragraph
ICBC will spend some time reviewing your application for e-installment loan, but the time will be shorter. Once the loan application is approved, the funds will arrive in real time.
3. Use of loans
After everyone's funds arrive, they can use a special debit card for credit card consumption. The main purpose of the loan is to buy a car, rent a house, education, tourism, home improvement, wedding and so on.
Generally speaking, ICBC's credit card loan will be a little troublesome to handle, but the loan interest rate is very favorable and attractive to borrowers.
How to handle the credit consumption loan of ICBC?
If you have a credit card and debit card (savings card) in ICBC, you can log in to ICBC online banking to apply for personal credit consumption loans.
Personal credit consumption loan
I. Product introduction
Personal credit consumption loans refer to unsecured and unsecured RMB loans issued by our bank to borrowers who meet certain conditions for personal legal and compliance consumption purposes.
Second, the product features
Fast, self-help and fast arrival;
Discount, low rate, the lowest discount period is 4.785%, and the lowest discount period is 6.525%;
Flexible, equal principal and interest, and more support 6-month grace period repayment;
High amount, 600 yuan-300,000 yuan;
Pure credit, no mortgage and no guarantee.
Third, the application conditions
1. China citizen with full capacity for civil conduct, age 18-60 years old;
2. The applicant's work unit or habitual residence should be in the location of the loan issuing institution;
3. Have a fixed job, a stable source of income or a reliable repayment guarantee;
4. Other conditions stipulated by China Industrial and Commercial Bank.
Four. length of maturity
The maximum term of personal credit consumption loan is 2 years, which cannot be extended.
Verb (abbreviation of verb) repayment method
The repayment methods of personal credit consumption loans include:
1. Equal monthly payment (same monthly repayment amount);
2. If the application period exceeds one year (inclusive), you can apply for a grace period. There is no need to repay the loan in the first six months, and the loan interest collected during the grace period ("grace period interest") is repaid in subsequent installments, and the bank calculates compound interest according to the remaining unpaid grace period interest;
3. Repay in advance.
Customers can agree on the repayment method with our bank according to their needs.
The personal consumption credit loan amount is 80% of ICBC's personal credit card amount.
The specific operation is as follows:
Open ICBC Online Banking-Favorites-Loan-Credit Consumption Loan-Apply immediately-Enter, login password and verification code-Login ICBC Online Banking-Fill in the loan amount (not less than 600 yuan)-Select the loan term-Select whether to apply for grace period-Select the loan purpose-Select the collection account-Select the repayment account-Get the verification code-Enter the verification code-Check that I have read and agreed to the Personal Credit Consumption Loan Agreement of Industrial and Commercial Bank of China-Next.
After a few minutes, you will receive a short message, indicating that the loan was issued successfully.
Log in to ICBC Online Banking-Loan-My Loan-My Credit Loan-and you can see the loan contract amount, loan balance-contract status: payment completed.
You can also see the loan balance in this loan account.
You can also log in to Online Banking-Loan-Apply for Loan-Credit Consumption Loan-Apply Now.
After this operation is completed, you can directly click the application result query-query-after receiving the SMS, you can see that the loan has been issued successfully.
So much for the introduction of ICBC's credit card loan.