How does ICBC apply for deferred repayment?

Can ICBC apply for extension of car loan?

ICBC can apply for deferred repayment of auto loans. Users can apply to ICBC for deferred repayment due to cash flow problems or temporary inability to repay. Of course, whether ICBC will agree to the user's application depends on the user's comprehensive credit status. If the comprehensive credit status is good, ICBC will generally agree.

After users successfully apply for deferred repayment, they will have more time to collect the repayment amount, so we should make good use of this time.

How does ICBC apply for deferred repayment?

If ICBC wants to apply for deferred repayment of loans, it needs customers to meet the objective situation and the corresponding loan products support deferred repayment. Customers can prepare the information and go to the bank for consultation first to see the specific results.

In order to improve the success rate of deferred repayment application, customers can prepare the following materials in advance:

1, personal unemployment certificate.

2. Personal assets certificate.

3. Personal credit report.

4. There is no evidence that individuals bear other foreign debts.

After the bank's audit, if it is considered that the customer has really encountered some objective circumstances and the customer has a strong willingness to repay, it can agree to the customer's application.

Of course, before the approval of ICBC's deferred repayment fails, customers had better be prepared to repay on time. They can borrow money from relatives and friends to tide over the current difficulties. Of course, they can also realize their valuable assets to obtain repayment funds, and try to avoid overdue. Once overdue, they will bear corresponding responsibilities.

Can I apply for an extension of the ICBC credit loan?

ICBC can apply for extension of credit loan, but when users apply to the bank for extension, they need to provide proof that they can't continue to repay, and the bank will decide whether the borrower can postpone repayment after investigation. In fact, the bank will continue to charge interest when the repayment is delayed, which is not cost-effective for the borrower. In fact, it can be repaid by borrowing money when it is not paid.

ICBC needs to meet certain conditions when handling credit loans, such as the borrower is a customer of ICBC's private bank, wealth management, peony platinum card or wealth management account, or the individual's annual income before tax is above 200,000 yuan (inclusive). Users can consult the bank before processing.

When applying for ICBC credit loan, you need to provide valid identity documents and proof of marital status (marriage certificate, divorce certificate or unmarried statement, etc.). ), income certificate and occupation certificate, loan purpose certificate or statement, household registration certificate and other information required by the bank.

In fact, different banks have launched credit loans, and users can consult different banks when handling loans, so that they can know the loan interest rate given by the banks, and then choose the one with low loan interest rate, so that users can pay less interest after borrowing, which is conducive to subsequent repayment.

How to apply for deferred repayment of ICBC mortgage?

As different types of loan business have different regulations, it is suggested that you call the customer service hotline 95588 to contact the labor service to verify the specific situation in detail.

At present, the personal mortgage, consumer and business loans handled by ICBC can flexibly adjust the repayment arrangements for you according to your application and reasonably delay the repayment period. Among them, for the first three categories of personnel, the penalty interest on loans during the epidemic will be reduced and the credit record will be restored; For the fourth category of personnel, credit records shall be submitted according to the adjusted repayment arrangements, but in principle, overdue records before the adjustment of repayment arrangements shall be submitted. In addition, since the policy of individual housing provident fund loans is formulated by the housing provident fund management center, please consult the local provident fund center or loan handling outlets for repayment policies and reporting credit standards during the epidemic.

Tips: If you do not meet the above special repayment policy, but there are other special circumstances, you can further consult the loan handling bank.