ICBC has many loans suitable for individual users. If there is consumer demand, you can try to apply for personal consumption loans from ICBC. Low threshold and low interest. Let's take stock of some loan products today, hoping to help everyone.
1, jung borrowed
Icbc e-loan is a very popular pure credit mobile phone loan. Loans are mainly suitable for personal daily consumption and are easy to handle. Borrowers can apply through mobile banking and ICBC official website. E-loan can provide a loan amount from 600 yuan to 800,000 yuan, and the amount that ordinary borrowers can generally get is around several thousand to tens of thousands.
2. Personal car loan
ICBC personal car loan is a car loan service provided by ICBC for users who buy cars for their own use. It provides "direct customers" and "indirect customers" two loan models for everyone to choose from. The loan amount of ICBC's personal car loan can reach 80% of the total vehicle value. Generally speaking, this amount is still considerable, and the longest use time of the loan is 5 years.
3. Personal study loan and study abroad
ICBC's personal student loan is a loan issued by ICBC to needy college students. The maximum loan amount is 6000 yuan per year, and the loan interest will be paid off within 6 years after graduation. Personal loan for studying abroad is mainly a form of loan to help students realize their dream of studying abroad. The maximum loan amount can reach 2 million yuan, and the longest service life of the loan is 10 year.
4. ICBC Easy Loan
ICBC Easy Loan is a loan product consumed between ICBC and special merchants. The maximum loan amount is 200,000 yuan, and the loan period is 612,24,36 months. You can choose according to your actual situation.
What are the corporate loan products of ICBC?
ICBC's corporate loan products include small secured loans, small tax credit loans, small business banks, online loans and corporate revolving loans. Customers can consult ICBC according to their own needs and wait for the bank's review after submitting the materials.
After the enterprise loan application is successful, the customer should still remember to repay the loan in time according to the agreement. Once loans overdue, it will affect the credit of enterprises, and banks will charge penalty interest, which will have a very bad impact on the future development of enterprises.
Can ICBC borrow money on mobile phones? There are these products to choose from.
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 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 loan products does ICBC have?
As one of the five state-owned commercial banks in China, ICBC has launched a variety of loan products. Here are some easy-to-borrow loan products:
"Small and micro easy loans": a comprehensive credit loan product aimed at supporting the development of small and micro enterprises. The application threshold is relatively low, the loan amount is generally below 1 10,000, and the term ranges from 1 to 3 years. Its advantages are fast approval and low interest rate.
"Personal housing loan": providing various housing loan services such as house purchase, decoration and decoration. It has the characteristics of long term and low interest rate, and is suitable for individual purchase and house decoration.
"Project loan": a short-term credit loan for enterprises and engineering construction, which has the advantages of quick approval, simple process and can be used for various engineering projects.
"Student loan": a loan for qualified college students to study abroad and to receive education and training, which has the characteristics of low interest rate and loose repayment period.
These are just some easy-to-borrow loan products. ICBC also has other loan products for individuals and enterprises. You can go to ICBC official website or the nearest ICBC outlet for consultation.
What are the loan products of ICBC? Summary of seven loan businesses of icbc.
ICBC has many loan products, each with its own characteristics, which can meet the different needs of users. Mainly include: personal housing mortgage loans, second-hand personal housing loans, personal comprehensive consumption loans, personal business loans and so on. Here, we will introduce them one by one.
I. Personal business loans
Personal business loans are RMB-guaranteed loans issued by China Industrial and Commercial Bank to customers for their legitimate business activities. The maximum loan amount can reach 6,543,800 yuan. The loan period can be up to 5 years. It can be applied by mortgage, pledge, guarantee, etc., and has the function of revolving loan.
Second-hand personal housing loan
Second-hand personal housing loan refers to the loan issued by the lender to the borrower to purchase the house that the seller has obtained the house ownership certificate, has the complete disposal right and can be legally traded in the secondary market. The maximum loan amount can reach 70% of the market value of the purchased house. The longest loan period is 30 years, which cannot exceed the remaining land use right of the mortgaged property, and the sum of the borrower's age and the loan period does not exceed 70 years.
Third, personal comprehensive consumer loans.
Personal comprehensive consumption loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to borrowers for designated consumption purposes. With a wide range of consumption purposes, high loan amount and long loan period, it is an ideal choice for individuals to realize "advance their future wealth and enjoy a high-level life".
Fourth, personal housing mortgage loan.
Personal housing mortgage loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to customers, which is based on the real estate in the name of customers (including spouses) and used for legal and compliance purposes such as business and consumption. Can be used for business, car purchase, education, medical care, large-scale durable goods consumption and other legal and compliance purposes.
Verb (short for verb) individual
Individuals are small and short-term RMB loans issued by China Industrial and Commercial Bank to customers for legitimate business activities. It is usually issued by credit or guarantee, without collateral, which is flexible and convenient. The maximum amount of a single-family loan is 500,000 yuan, of which the maximum amount of a single-family credit loan is 200,000 yuan. The loan term is generally within 6 months.
Six, personal commercial housing loans
Personal commercial housing loan refers to the loan issued by the lender to the borrower for the purchase of commercial housing. Applicable to natural persons with full capacity for civil conduct, and the borrower has a good credit record and repayment willingness. It can be used to buy shops, commercial supporting houses in residential quarters, office buildings (office buildings), parking spaces (garages) with independent property rights and other commercial houses.
Seven, personal business car loans
Personal commercial vehicle loan is a personal car loan issued by ICBC to borrowers for the purpose of buying a car. The loan amount is high, the guarantee methods are diverse and the repayment methods are flexible. There are many kinds of commercial vehicles that can be purchased, including city taxis, city bus lines, buses, trucks and construction machinery (bulldozers, excavators, mixers, pumps, etc.). ).
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.
This is the end of the introduction of ICBC loan products and offline bank loans. I wonder if you found the information you need from it?