Is ICBC e loan interest fast and reliable?

1. Is the interest of ICBC e fast loan reliable?

Hello, reliable,

ICBC e-loan is an unsecured and unsecured RMB loan issued by China Industrial and Commercial Bank to borrowers who meet certain conditions for personal legal and compliant consumption purposes. ICBC e-loan can be handled in online banking and mobile banking, and can also be applied through the counter. When applying for ICBC e-loan, the borrower needs to have good credit and the ability to repay the loan principal and interest. There are often preferential activities on the loan interest rate of ICBC e-loan, and the preferential interest rate of 12 is adjusted to 4.35%.

2. What kind of loan is ICBC e paying interest on quick loan? Do I have to buy insurance?

E fast loan refers to the online loan that the borrower uses as collateral in ICBC. Loan interest rate:

1. According to the operational risk, it is reasonably determined on the basis of the benchmark loan interest rate or the full market quotation rate (LPR) specified by the People's Bank of China.

2. If there is no compulsory insurance, please refer to the interest rate indicated on the actual business page.

(Answer time: 01.09,2020. In case of business changes, please refer to the actual situation. )

Third, is Shangcai E reliable?

Is reliable. Rong e loan refers to the unsecured and unsecured RMB loan issued by ICBC to borrowers who meet certain conditions for personal legal and compliance purposes. Ronge loan can be used for car purchase, home improvement, tourism, shopping and other purposes, but it is not allowed to enter the securities market, futures market, equity investment and real estate market, not for private lending, and not for matters explicitly prohibited by national laws and regulations. : 1. ICBC electronic loan terms 1. China citizens with full civil capacity between 18 and 60 years old; 2. The applicant's work unit or habitual residence shall be in the place where the lending institution is located; 3. Have a stable job, a stable source of income or a reliable repayment guarantee; 4. Other conditions stipulated by China Industrial and Commercial Bank. Two. Characteristics of ICBC's online loan 1 The financing cost is low, the interest rate is calculated according to the actual number of days occupied by the loan, and the interest rate is differentiated, which is subject to the display when handling the business. 2. Revolving credit can be repaid by e-loan, and can be repaid in advance. Support average capital and equal principal and interest, and some customers support paying interest and principal on schedule. 3. Flexible terms The short-term loan is two months and the long-term loan is two years. Some customers can enjoy it for a longer time. Customers can flexibly choose the loan term within the longest loan term. 4.Better experience Loan is an unsecured, unsecured and pure credit loan product. 3. ICBC's electronic loan process 1. Borrowers can download the ICBC e-Life App on their mobile phones, log in to their personal accounts, open their wallets and click the "Financing e-Loan" icon; 2. Enter the SMS verification code according to the screen prompts, and then click "View my limit" at the bottom of the page. 3. If the page shows the words "Congratulations on getting the loan qualification", it proves that you are qualified to use the loan, otherwise you are not qualified to use the loan; 4. Then click "Borrow Now", and you can see the available quota after the application is successful. Operating environment: ICBC Easy Life app7.0.8 IV. The electronic loan amount of China Industrial and Commercial Bank is between 6 million yuan and 800,000 yuan, which is subject to the actual display of the interface when the customer handles the loan. V. ICBC e-loan term Jung's loan term ranges from two months to two years. Some customers can enjoy a longer term. Customers can flexibly choose the loan term within the longest loan term. Six. ICBC loan interest rate The loan interest rate is 50% higher than the benchmark interest rate, that is, 6.525%. But the floating coefficient is not fixed, because ICBC often introduces some preferential interest rates. For example, in April this year, ICBC just launched a time-limited discount with ultra-low interest rate, and the one-year interest rate was as low as 4.35%. Seven. ICBC's loan repayment method integrates two repayment methods: online loan supports average capital and equal principal and interest, and some customers can repay in one lump sum on schedule. Repayment can be made in advance, and there is no penalty at present.

Four. ICBC mortgage loan with interest rate of 6.8% (I don't know Li) 65,438+10,000 RMB. ...

According to what you said, the annual interest of 10 is 6865438+100000.06810 =68000 yuan.

Monthly repayment of principal and interest: 654.38+10,000 yuan/120 installments of 68,000 yuan/120 yuan.

The bank staff said the monthly interest rate 1200 yuan. Is it because the interest rate you provided is biased?

The interest rate of bank loans is very scary. The longer the term, the more interest. If you borrow it for 20 years, the interest will exceed your principal.

This is an equal principal and interest repayment method, and the monthly repayment amount is fixed. There is also a repayment method in average capital, which is the step-by-step repayment method. At first, the repayment pressure is relatively high, but later, the easier it is, the lower the overall interest will be. You can consult the bank staff to make a choice.