What loan products does ICBC have?

1. What loan products does ICBC have?

What loan products does ICBC have? Loans are the basic business of banks. Industrial and Commercial Bank of China is one of the four major state-owned banks. Of course, it has many loan products. The next editor will briefly introduce them.

1. Mortgage loans

1. Housing Provident Fund (Combined) Loans

Housing Provident Fund Loans use the Housing Provident Fund as the source of funds and are special housing consumption loans issued to people who pay the Housing Provident Fund for the purchase, construction, reconstruction, and repair of their own homes.< /p>

2. Single-handed personal housing loan

Personal housing loans refer to loans issued by lenders to borrowers for the purchase of housing loans that real estate development companies build and sell in accordance with the law.

< p>3. Second-hand personal house mortgage loan

Second-hand personal house mortgage loan means that the lender issues it to the borrower. The person who buys and sells the house has obtained the house ownership certificate and has full disposal rights. Legally traded housing mortgage loans in the secondary market.

4. Fixed-rate personal housing loans

Fixed-rate personal housing mortgage loans refer to the loan interest rate issued by the lender to the borrower within the agreed period. Personal housing mortgage loans that will not fluctuate with the interest rate adjustments of the People's Bank of China or changes in market interest rates.

5. Direct-to-customer personal housing loans

Direct-to-customer personal housing loans refer to The borrower applies directly to ICBC for a personal housing loan without being introduced by a real estate development company or real estate brokerage company.

6. Personal self-built house loan

Personal self-built house loan refers to A self-built house loan issued by a lender to a borrower.

2. Consumer loans

1. Rong e-borrowing

Rong e-borrowing refers to a loan that meets the requirements of Unsecured and unsecured RMB loans issued by borrowers with specific conditions for legal and compliant personal consumption purposes.

2. Personal household consumption loans

Personal household consumption loans It is a RMB loan issued by the Industrial and Commercial Bank of China to the borrower for the purpose of decorating and decorating the residence, purchasing residential decoration materials, durable consumer goods and other large consumer goods for household consumption.

3. Personal car loan

Personal car loans are RMB-guaranteed loans issued by the Industrial and Commercial Bank of China to customers who apply to purchase cars.

4. Yidai

Yidai is a personal bank debit held by the Industrial and Commercial Bank of China. Credit card (or passbook) and credit card customers will be provided with credit consumption credit services in accordance with certain rules when making card purchases or online shopping at ICBC’s specially appointed merchants.

5. Personal cultural consumption loans

< p>Personal cultural consumption loans are RMB loans issued by the Industrial and Commercial Bank of China to borrowers for personal education and training, travel, weddings, beauty and fitness, club membership activities and other cultural consumption purposes.

6. Personal subsidies< /p>

State subsidies are issued by the Industrial and Commercial Bank of China to students with financial difficulties in colleges and universities within the People's Republic of China and the country (excluding the Hong Kong Special Administrative Region, the Macao Special Administrative Region and Taiwan) who have signed a cooperation agreement. RMB loans for paying tuition, fees and living expenses.

2. What are the loan products of ICBC?

1. Rong e-borrowing Rong e-borrowing refers to unsecured and unsecured RMB loans issued by our bank to borrowers who meet specific conditions for personal legal and compliant consumption purposes. The interest rate for loans with a term of one year is 5.22%, and the interest rate for loans with a term of more than one year is 5.7%. The minimum loan amount is 600 yuan, the maximum amount is 800,000 yuan, the maximum term is 5 years, and the maximum grace period is 12 months. The repayment method is flexible, early repayment is supported, and the loan will arrive in your account in real time as soon as possible.

2. Individuals are RMB loans secured by legal and valid collateral issued by the Industrial and Commercial Bank of China to customers. The minimum quota for a single transaction is 500 yuan, the maximum is 300,000 yuan, and the maximum for a single household is 10 million yuan. The loan period is free, with a minimum of 8 days and a maximum of 1 year. You can choose any number of days within this range. The operation process is simple, with self-service processing, automatic approval, and fast payment.

3. Yidai Yidai is a credit consumption credit service provided to customers holding ICBC debit cards and credit cards when they make card purchases or online shopping at ICBC merchants. There is no need to mortgage, interview, submit loan information, or wait for loan approval. It can be applied for a single purchase of 100 yuan or more, and the maximum amount for a single household can be 200,000 yuan. Both debit and credit cards are available. The loan period is up to 3 years, and you can borrow and repay at any time.

4. Netdaiitong Netdaiitong refers to personal revolving loans through which customers apply for loans, withdraw funds, and repay through Internet channels such as counters, online banking, and mobile banking. The loan has a wide range of uses, the procedures are simple and fast, and you can meet your financial needs anytime and anywhere. A variety of mortgage (pledge) loans can be used, and the loan funds are recycled and can be borrowed and repaid at any time.

5. Personal home consumption loan Personal home consumption loan is a RMB loan used for home decoration and decoration of housing, purchase of housing decoration materials, durable consumer goods and other large consumer goods for home consumption. The maximum loan amount can be up to 1 million yuan. The maximum term of the loan is up to 5 years.

3. What are the loan fees of ICBC?

The criteria for classifying loan types are diverse, and there are different classification methods according to different standards.

The criteria chosen to classify loan types should be based on the requirements of national economic management and bank credit management. Classification according to the economic nature of the loan entity 1. Loans to state-owned and state-controlled enterprises. 2. Collective enterprise loans. 3. Private enterprise loans. 4. Loans for individual businesses. Classification according to loan credit level 1. Credit loan. 2. Guaranteed loan: guaranteed loan, mortgage loan. 3. Bill discounting. Classification by loan period 1. Short-term loans. 2. Medium and long-term loans. Classification according to the occupation form of loans in social reproduction 1. Working capital loans. 2. Fixed capital loan. Classification according to the quality of loan use 1. Normal loans. 2. Non-performing loans. Nonperforming loans include bad loans, sluggish loans and overdue loans. Therefore, we cannot simply say what types of loans there are from ICBC, it all depends on your needs.

IV. What are the consumer loan categories of ICBC?

Savings business types, interest-bearing small mortgage loans, personal comprehensive consumer loans, personal travel loans, national student credit loans, personal.