How to repay the ICBC loan?

1, click Loan, open ICBC, and click Loan in the service.

2. Click Prepayment, enter it and click Prepayment in my bill.

Operating environment: Xiaomi11; miui 12.5； China Industrial and Commercial Bank 6.1.1;

Prepayment is generally divided into two ways: partial prepayment and full prepayment. According to the different repayment methods, the borrower can choose to reduce the term or amount. It is understood that at present, most banks can provide five ways to repay loans in advance for customers to choose from.

First, all loans are repaid in advance, that is, customers pay off all remaining loans at one time. (There is no need to repay the interest, but it will not be refunded if it is paid)

Second, a part of the loan will be repaid in advance, and the monthly repayment amount of the remaining loan will remain unchanged, thus shortening the repayment cycle. (save more interest)

Third, repay some loans in advance, reduce the monthly repayment amount of the remaining loans, and keep the repayment period unchanged. (Reduce the monthly payment burden, but less than the second type)

Fourth, repay some loans in advance, reduce the monthly repayment amount of the remaining loans and shorten the repayment cycle. (save more interest)

Fifth, the remaining loans keep the total principal unchanged and only shorten the repayment period. (The monthly payment increases and the interest decreases, but it is relatively uneconomical. Financial experts suggest that the principal should be reduced as much as possible to shorten the loan period and pay less interest.

China Industrial and Commercial Bank was established in June 1984+ 10/0/. _ Benzyl Swallow Book └ No.55, No.4 Onion Row, is a large state-owned bank managed by the central government and a deputy ministerial unit. The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.

20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Industrial and Commercial Bank ranked 10. On June 20th, 20 18, the analysis report of China 500 Most Valuable Brands was released, and China Industrial and Commercial Bank ranked 4th. 20 18 in July, the British "Banker" magazine published the list of the top global banks 1000 in 2065 438+0008, and China Industrial and Commercial Bank ranked 1.

How can ICBC repay the loan?

If you need to inquire about the loan repayment plan, please log in to mobile banking and select the function of "Home/Favorites-Loan-My Loan" to inquire about the loan information you have handled in ICBC, such as loan service bank, total loan amount, repayment date, loan term and repayment plan.

Please deposit the full amount of funds into the repayment account by personal online banking, mobile banking remittance or ATM or business outlets deposit before the repayment date 17 o'clock agreed in the loan contract. There is no need to repay the loan manually. Please consult the loan bank for the specific deduction time.

(Answer time: June 6, 2022 10. In case of business changes, please refer to the actual situation. )

How to repay ICBC's e-loan

ICBC can use different channels, such as online banking, mobile banking and ICBC e-Life App. Mobile banking repayment steps: 1. Install and open the "China Industrial and Commercial Bank" APP on your mobile phone, and log in.

2. After logging in, click "Loan" on the homepage of the software.

3. Click "My Loan" on the page to enter.

4. Then you can see all the loans in the loan interface, and click "My Credit Loan".

5. Then you can see the loan record of Rong E in "My Contract" and click Enter.

6. In the loan details, click "prepayment" below to enter the repayment process, enter the amount to be repaid in advance, and click OK to complete the operation.

Version information: Take China Industrial and Commercial Bank version 7.10.3.0, Apple13 (IOS15.3.1system) and Huawei mate40(HarmonyOS2 system) as examples.

When handling e-loan, you can choose different repayment methods, such as average capital and equal principal and interest. Some customers support paying interest on schedule and repaying the principal at one time. At the same time, you can choose different repayment time, the shortest is two months, and the longest is generally two years. Some customers can enjoy it for longer, depending on the page display.

When applying for a loan, you must measure your repayment ability in advance and know what kind of income you will use to repay. If the personal income is not much, you should give up the loan or reduce the loan amount to avoid overdue repayment.

ICBC's prepayment process

ICBC repays the mortgage in advance, and the process is as follows:

1. Call the customer service phone of ICBC to apply for prepayment.

Two. ICBC staff will review the application and agree on the time of prepayment after approval.

3. Fill in the application form for prepayment at ICBC outlets, and you need to bring your ID card, loan contract and other materials.

Fourth, go through the repayment procedures.

China Industrial and Commercial Bank is a financial institution engaged in deposit and loan, settlement and cash management. Established in June 1 984 65438+1October1,it is a large state-owned bank under central management.

The Bank's main businesses include: corporate deposits and loans, inclusive finance, institutional finance, settlement and cash management, trade financing, investment banking, etc. On June 27th, 2006, it was listed on both Hong Kong Stock Exchange and Shanghai Stock Exchange. On February 9, 2022, Forbes released the list of the top 50 global blockchain in 2022, among which China Industrial and Commercial Bank ranked.

China Industrial and Commercial Bank was established in June 1984+ 10/0/. 20051October 28th, 10, the whole company was restructured into a joint stock limited company. On June 27th, 2006, 10 was successfully listed on Shanghai Stock Exchange and Hong Kong Stock Exchange on the same day. China Industrial and Commercial Bank takes service as the foundation, insists on creating value by service, and provides comprehensive financial products and services to 865,438+million corporate customers and more than 650 million individual customers worldwide. Consciously integrating social responsibility into development strategies and management activities has been widely praised in developing inclusive finance, supporting precise poverty alleviation, protecting environmental resources and supporting public welfare undertakings.

Always focus on the main business, adhere to the origin of serving the real economy, and grow together with the real economy to survive, * * * bear the wind and rain, * * *; Always adhere to the risk orientation, firmly hold the bottom line, and constantly improve the ability to control and resolve risks; Always adhere to grasp and follow the operating rules of commercial banks, and strive to build a "century-old shop."

Always persist in striving for progress in stability, innovative development, continue to deepen the strategy, and actively embrace the Internet; Always adhere to professional focus, develop professional business model and forge "great craftsmen". For seven consecutive years, it ranked first in the sub-list of British Bankers Global Bank 1000, American Forbes Global Enterprise 2000 and American Fortune 500 commercial banks, and ranked first in the British BrandFinance Global Bank Brand Value 500 list for four consecutive years.

ICBC repays the loan in advance, how does app operate?

ICBC repays the loan in advance:

1. Open the mobile banking APP of ICBC and click Loan on the home page;

2. Select my loan function in the loan;

3. Select the corresponding loan, click the scheduled repayment, fill in the information according to the page prompts, and submit the repayment application;

4. After the approval of the loan bank, you can check the time limit to confirm the amount of liquidated damages, and then decide whether to repay in advance.

ICBC's mortgage can be repaid in advance or paid off in advance, but it needs to be applied in advance. If you apply, you can apply at the bank counter or online. If you apply online, you can prepay online.

How to repay ICBC loan in advance?

Please log in to the mobile banking, select the corresponding loan through the function of "Home/Favorites-Loan-My Loan", click "Repay in advance", fill in the information according to the prompts on the page, and submit the repayment application. After the loan bank is approved, click "Query Application Results" to enter the inquiry period and confirm the amount of liquidated damages. In addition, you can also make an appointment for prepayment through online banking.

Tips:

1. If the repayment is not made on the scheduled date after the successful application for scheduled repayment, no penalty interest will be calculated and no credit will be reported. Please consult the loan bank for details;

2. Regular repayment will be deducted in batches at 7: 00 pm, and the system will not make up for the lack of funds in the account;

3. Please refer to the actual page for the types of loans that can be repaid in advance and the opening situation in various regions.

(Answer time: June 22, 2022 10. In case of business changes, please refer to the actual situation. )

So much for the introduction on how to repay ICBC loans.