ICBC Online Loan ICBC Personal Online Mortgage Loan

How to handle personal transactions through ICBC online banking?

If you hold a USB shield or cipher, please log in to online banking and select the "Favorites - Loan - Apply for Loan -" function to apply for an individual. If you are applying for a personal loan for the first time, you must first open a comprehensive personal loan account according to the prompts~

Warm reminder:

The application needs to use a trusted mobile phone number for SMS verification, and the maximum daily limit is Apply for 3 contracts, and you can apply for up to 15 contracts per month.

(The above content will be answered by "Gong Xiaozhi", ICBC's intelligent customer service, on January 7, 2020. In case of business changes, please refer to the actual situation)

Industrial and Commercial Bank mortgage loan conditions and procedures

Personal house mortgage comprehensive consumer loans refer to the borrower’s family (including the borrower, spouse, excluding minor children), the borrower’s (and spouse’s) immediate family members (excluding unmarried children) Provide mortgage guarantee for the house in the name of the adult children) and apply for a RMB loan from ICBC for personal legal and compliant consumption purposes.

Please log in to mobile banking, select the "Home Page - All - Deposits and Loans - Personal Housing Mortgage" function to apply for a personal housing mortgage comprehensive consumer loan.

Loan application conditions:

1. A natural person with full capacity for civil conduct and aged between 25 (inclusive) and 60 (inclusive).

2. Official staff who have a fixed work unit and have worked in this unit for at least one year.

3. Have legal and valid proof of identity and marital status, a fixed residence in the location of the lender, and proof of household registration (or valid residence certificate) in the location of the lender.

4. The customer risk level assessed by ICBC's retail internal rating system is C (inclusive) or above, and the loan application score is not lower than the risk control score of the personal consumption loan application score in the region.

5. Have a good credit record and willingness to repay, and have no bad records for loans from ICBC and other financial institutions.

6. Have a real, stable and reliable first source of repayment, and be able to repay the principal and interest of the loan in full and on time. For borrowers whose monthly household income is less than 20,000 yuan, the ratio of monthly loan expenditures to disposable income (monthly repayment amount of this loan/average monthly disposable income) of the individual or family planning to apply for a loan shall be controlled at 50% (inclusive) ) below, and the ratio of all monthly debt expenditures to disposable income is controlled below 55% (inclusive). For borrowers whose monthly household income is more than RMB 20,000 (inclusive), the ratio of monthly loan expenditures to disposable income of the individual or family planning to apply for a loan should be controlled below 70% (inclusive), and the ratio of all monthly debt expenditures to disposable income should be controlled below 70% (inclusive). Control it below 75% (inclusive).

7. Provide legal, valid and reliable real estate mortgage recognized by the lender.

8. Have a clear, legal and compliant loan purpose.

9. Open a personal settlement account at ICBC.

10. Other conditions stipulated by ICBC.

(Answer time: October 22, 2022. In case of business changes, please refer to the actual situation.)

What are the conditions for ICBC e-quick loan

The loan conditions are as follows:

1. The borrower must be an honest small and micro business owner or individual industrial and commercial household with an ICBC personal settlement account and mobile banking;

2. The age of the borrower Be between the ages of 18 (inclusive) and 65 (exclusive), have legal and valid identity certificates and full civil capacity;

3. Own high-quality housing properties in the local urban area and be able to provide mortgage guarantees;

4. The small and micro enterprise operated by the borrower must have been established for more than one year, and the industrial and commercial registration status must be normal.

1. What is the ICBC e-quick loan product?

“E-quick loan” is an online loan where the borrower uses high-quality real estate in a specific area as collateral from the Industrial and Commercial Bank of China. The loan funds can be used for daily production and operations.

Specific areas include Dalian, Ningbo, Qingdao, Shenzhen, and Xiamen. For specific areas, you can consult ICBC customer service. It is recommended to follow the local ICBC WeChat official account to learn more about the situation.

2. Loan characteristics

1. The maximum loan amount is about 5 million yuan;

2. The daily interest rate of 10,000 yuan is as low as 1.2 yuan (borrow 10,000 yuan 1.2 yuan interest per day);

3. Online self-service application, take photos and upload information;

4. Online property evaluation, completed in 2 to 3 days at the fastest;

< p>5. Pay interest on a monthly basis and repay the principal in one lump sum upon maturity (interest first, then principal).

3. Application process

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android11MIUI13

App version: v7.0.1.2.6

1. Log in to the ICBC mobile APP and click Loan;

2. Select Small and Micro e-Loan and Pingdaidai;

3. Wait for the bank to accept it, and the system will automatically approve it and then handle the mortgage registration;

4. Log in to ICBC Mobile Banking for self-service withdrawals;

5. Pay interest on time every month, The principal is repaid in one lump sum upon maturity.

IV. The advantages and disadvantages of ICBC’s e-quick loan are as follows:

1. Advantages

It is widely used by small and micro enterprises or individual businesses. All households can apply. As long as the borrower's age must be between 18 and 65 years old and there are no problems with the personal credit report, small and micro enterprises, small and micro business owners, and individual industrial and commercial households can apply for loans.

The application channel is convenient and fast. To apply for this product, companies or business owners do not need to provide proof of business history. You only need to apply online on the APP. Moreover, the loan interest rate of this product is relatively low, with the interest rate of 4.05% even lower than the ordinary mortgage interest rate of 5.05%.

2. Disadvantages

The review conditions are strict, and as long as users apply for ICBC's e-quick loan, the applicant's conditions need to be reviewed every year. Once the applicant does not meet the conditions, the user will not be able to successfully apply for ICBC's e-quick loan.

ICBC’s e-quick loan is not suitable for people without real estate, because ICBC’s e-quick loan is a loan business that requires users to mortgage their mortgages to reach the application amount. After the user successfully applies for this product, the loan amount of this product will only be used for reasonable production and operation needs.

ICBC launches ICBC’s e-quick loan to strengthen policy support for small and micro enterprises. Users can apply online, evaluate online, recycle for many years, and borrow and repay operating loans at any time. In most cases The following is to provide support with extension of capital and interest to support small and micro enterprises to tide over difficulties.

That’s it for the introduction of ICBC’s personal online mortgage loan.