1. Credit loan: A party can apply for a personal loan from a bank based on the information that he has good credit and repayment ability;
2. Mortgage loan: After the mortgage registration of collateral is completed, the parties can sign a mortgage loan contract with the bank, and the bank will release the loan to the designated account.
legal ground
Article 11 of the Interim Measures for the Administration of Personal Loans
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Personal consumption loan of China Industrial and Commercial Bank:
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 applied by lenders with their own time deposits, national debt and other products 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.
What is the maximum amount of personal credit consumption loan of ICBC?
The maximum amount of personal credit consumption loans of ICBC generally does not exceed 300,000. The initial amount of ICBC's personal credit consumption loan is 1 1,000 yuan, with the maximum not exceeding 300,000 yuan. The loan amount is calculated according to the comprehensive situation when the user submits the application, and the amount is different for different users.
Warm reminder: ICBC's personal credit consumption loan quota and credit available quota are included in the total personal credit. After applying for ICBC's personal credit consumption loan, the available credit card (debit card) held by the user will be occupied.
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.
How to get a personal credit loan from ICBC?
ICBC credit loan only needs the lender to meet the loan conditions and bring relevant materials to ICBC business hall for processing. For more information about loans and credit loans, please refer to the people who need large loans over 25-55 years old in Mo Long, as well as the non-online loan groups. They have high reputation, fast lending and are trustworthy!
The credit loans of China Industrial and Commercial Bank are as follows:
1. The lender prepares relevant materials to apply for a loan in the business hall of ICBC, including ID card, household registration book, qualification certificate, marriage certificate, etc. , and fill out the loan application form.
2. The loan auditor of ICBC examines the qualifications of the lender, and the user must meet the corresponding conditions. Users must first open ICBC online banking or mobile banking, and get a U shield or electronic cipher. When re-lending, you should use one of them for safety certification, and then follow the prompts for loan operation.
3. If the approval is completed, ICBC can lend money to the lender.
After maturity, the bank will recover the principal and interest.
In addition, ICBC's credit loan cannot be cancelled after submitting the application. Unless the approval fails, the loan will not be released until it is approved, and the loan can only be terminated if it is paid off in advance.
For more information about loans, please consult Mollon. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.
ICBC: What is financing e-loan (personal credit consumption loan)?
China Industrial and Commercial Bank of China official website replied:
ICBC (Rongge) is our personal credit consumption loan, unsecured, unsecured and pure credit, with a maximum amount of 800,000 yuan, a loan term of 2-60 months and a daily interest rate of 10000 yuan.
Note: 1. If the question and answer does not indicate that it is only for business units, it usually refers to personal business. 2. Dalian, Ningbo, Qingdao, Shenzhen and Xiamen are independent branches of the Bank and implement independent business regulations; The contents of this page are for your reference. Please refer to the announcements and specific provisions of local branches for details.
The introduction of industrial and commercial personal credit consumption loans ends here.