What loan products does ICBC have?

I. What loan products does ICBC have?

What loan products does ICBC have? Loans are the basic business of the bank, ICBC is one of the four state-owned banks, of course, there are many loan products, the next editor briefly introduced.

One, housing loans

1, housing fund (combination) loans

Housing fund loans to housing fund as a source of funds, to pay housing fund issued by the direction of the person for the purchase, construction, reconstruction, repair of their own housing special housing consumption loans.

2, single-handed personal housing loans

Personal housing loans are issued by the lender to the borrower for the purchase of real estate development enterprises in accordance with the law construction, sales of housing loans.

3, second-hand personal home mortgage

Second-hand personal home mortgage refers to the lender issued to the borrower for the purchase and sale of housing people have obtained the certificate of home ownership, and has full disposal rights, can be legally traded in the secondary market housing mortgage.

4, fixed-rate personal mortgage

Fixed-rate personal home mortgage refers to the lender to the borrower, in the agreed period of time the loan interest rate will not be adjusted with the People's Bank of China interest rate or market interest rate changes and fluctuations in the personal home mortgage.

5, direct personal housing loan

Direct personal housing loan refers to the borrower without the introduction of real estate development enterprises or real estate brokers, directly to the Bank of the personal housing loan.

6, personal home construction loans

Personal home construction loans are loans issued by lenders to borrowers to build their own homes.

2. Consumer Loans

1. Ronge Borrowing

Ronge Borrowing refers to the unsecured and unguaranteed RMB loans issued by me to borrowers who meet specific conditions for personal legal and compliant consumption purposes.

2. Individual Family Consumption Loan

Individual Family Consumption Loan is a RMB loan issued by Industrial and Commercial Bank of China (ICBC) to a borrower for the purpose of renovating and decorating a residence, purchasing residential renovation materials, consumer durables, and other large-scale consumer goods for family consumption.

3. Personal Car Loan

Personal Car Loan is a secured RMB loan issued by ICBC to a customer who applies to purchase a car.

4. Ease Loan

Ease Loan is a credit service provided by ICBC to customers holding ICBC debit cards (or passbooks) or credit cards for card spending at ICBC authorized merchants or online shopping according to certain rules.

5, personal cultural consumption loans

Personal cultural consumption loans are RMB loans issued by ICBC to borrowers for personal education and training, travel, weddings, beauty and fitness, club membership activities and other cultural consumption purposes.

6, personal grants

State grants are RMB loans issued by ICBC to economically disadvantaged students of higher education institutions in the People's Republic of China (excluding Hong Kong SAR, Macao SAR, and Taiwan) who have signed the cooperation agreement, for the purpose of paying tuition and fees and living expenses.

2. What products are available for ICBC loans?

1, Rong e Borrowing Rong e Borrowing refers to the unsecured and unguaranteed RMB loans issued by the Bank to borrowers who meet specific criteria for personal, legitimate consumption purposes. 1-year loan interest rate of 5.22%, the interest rate for loans of more than 1 year is 5.7%. 600 yuan to start borrowing up to a maximum of 800,000 yuan, the term of up to 5 years, with a grace period of up to 12 months, and a maximum of 12 months. The grace period is up to 12 months. The repayment method is flexible, support early repayment, the fastest real-time loan to the account.

2, personal personal is the Industrial and Commercial Bank of China to the customer issued by the legal and effective pledge for the security of the RMB loan. The amount of a single minimum of 500 yuan, up to 300,000 yuan, a single household up to 10 million yuan. Loan term is free, the shortest is 8 days, the longest can be up to 1 year, within this interval can choose any number of days. The operation process is simple, self-service processing, automatic approval, and fast to the account.

3. Ease Loan Ease Loan is a credit consumer credit service for customers holding their ICBC debit or credit cards when they make credit card purchases or online purchases at ICBC's authorized merchants. There is no need for collateral, face-to-face signature, submission of loan information, not to mention waiting for loan approval. A single purchase of $100 or more can be applied for, and the maximum amount for a single household can reach 200,000 yuan. Debit card and credit card can be processed, and the loan term is up to 3 years, repayable as you borrow.

4, net loan pass net loan pass refers to customers through the counter or online banking, mobile banking and other Internet channels for loan application, withdrawal, repayment of personal revolving loans. The loan has a wide range of uses, and the procedures are simple and fast, so that you can meet your financial needs anytime, anywhere. A wide range of collateral can be used for loans, and the loan funds can be used on a revolving basis to support repayment as and when they are borrowed.

5. Personal Home Consumption LoansPersonal Home Consumption Loans are RMB loans for home consumption purposes that are used for renovating and decorating homes, purchasing home improvement materials, consumer durables, and other large-value consumer goods. The maximum loan amount can be up to 1 million yuan. The maximum loan term is up to 5 years.

Third, what are the costs of ICBC loans

The criteria for dividing the types of loans are diversified, and there are different ways of dividing them according to different criteria. The choice of what criteria to divide the types of loans should be based on the requirements of national economic management and bank credit management. According to the economic nature of the main body of the loan 1. state-owned and state-controlled enterprise loans. 2. collective enterprise loans. 3. private enterprise loans. 4. individual industrial and commercial loans. According to the credit degree of the loan is divided into 1. credit loans. 2. guaranteed loans: guaranteed loans, mortgage loans, 3. bill discounting. By the period of use of the loan 1. short-term loans. 2. medium and long-term loans. According to the loan in the social reproduction of the occupation of the form of division 1. working capital loan. 2. fixed capital loans. According to the quality of loan utilization 1. normal loans. 2. non-performing loans. Non-performing loans include doubtful loans, sluggish loans and overdue loans. Therefore, you cannot simply say what are the types of ICBC loans, it depends on your needs.

4. What are the consumer loan categories of ICBC?

The types of savings business, interest-bearing small mortgages, personal comprehensive consumer loans, personal travel loans, national student credit loans, personal.