How to handle deferred repayment of ICBC e-loan

How to apply for ICBC financial e-loan

E-loan (personal credit loan) can be applied through online banking, mobile banking, ICBC e-life and e-loan, or it can be handled at any branch of ICBC in different places with my valid ID card or through the smart terminal of the branch.

Whether the specific conditions are met can be viewed in the application interface, and the loanable amount information can be viewed in the "Current loanable amount" and "Total amount" displayed in the application interface. The actual loanable amount is subject to the final approval result of ICBC.

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

How does ICBC finance e-loan?

Conditions for applying for electronic loans:

1. China citizen with full capacity for civil conduct 18 years old or above;

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. According to the regulatory requirements, the related parties of ICBC (ICBC directors, supervisors, managers, credit practitioners and their close relatives) cannot apply for e-loan at present.

Financing e-loan application channels: online banking, mobile banking, smart terminals, ICBC e-life, financing e-link or going to outlets with my valid ID card.

1. Online banking path: full credit card-card -e loan;

2. Mobile banking path: favorite-financing e-loan;

3. ICBC e-life path: enter the function through "I want cash-wealth management e-debit" in the middle of the "Finance" page; Enter the function through the icon area "All-Financial Function-Financing E-Loan" at the top of "Select" or "Up to 800,000 Loans" in the middle of the page.

4.E-link path: e-link path: home page-all business handling-borrowing money.

Whether the loan can be processed, the loan amount and interest shall be subject to the system display or the staff's notification.

(Answer time: July 20th, 20021year. In case of business changes, please refer to the actual situation. )

How to apply for ICBC e-loan? The specific process is as follows!

With the increase of social pressure, business owners have also encountered many difficulties and problems in their business process. China Industrial and Commercial Bank is a state-owned bank in China. There are many loan products for users to choose from, especially corporate loans, which are very suitable for small and micro enterprises, with low interest, long term and high quota. Today, we will learn how to apply for ICBC e-Express Loan.

How to apply for ICBC e-loan?

1) The business owner logs in to the mobile banking to apply for self-service, and the customer logs in to the mobile banking, and clicks Loan-Xiao Wei E Loan-Online Loan to enter the application page of personal enterprise online loan financing.

2) You must complete the corresponding certification, conduct online asset evaluation, take photos and upload materials, and complete the application; After entering the application page, the customer selects the business location and loan service bank, and clicks "Add Property Information" to jump to the property information entry interface. The system will automatically return the property location, house/street number, detailed information of the house, property area, property right, whether the property is rented or not (if the information is captured), and the customer can modify the appraisal result. Click OK, and the customer will continue to input the application amount and the revolving limit period, select the repayment card (account number), and click Next.

3) Enter the business supplementary information page, and the customer should choose whether there is a business unit, fill in the full name of the business unit accurately, select the corresponding business license type, and predict the total operating income remitted to the ICBC account in the next 12 months. The results will affect our evaluation of customer loan applications. After completing the filling, click Next to confirm the filled financing information, read the Letter of Authorization for Inquiry and Use of Personal Basic Information, click "Confirm" after confirming that it is correct, and enter the SMS verification code to complete the loan application.

4) After submitting the loan application, the customer clicks "Upload Voucher Information" to upload the ID card information (front and back), marriage certificate information, business license information and real estate license information in turn (please upload the certificate information completely), and then click "Upload Voucher Picture" after completion.

5) Customers can query the submitted financing application information and processing progress in Loan-My Loan-Query Application Results, and submit relevant information photos required by the handling bank on this page.