☆ Introduction
ICBC e Loan is an RMB loan product which is neither guaranteed nor secured, and disbursed by the Bank to borrowers meeting specific conditions for legitimate and compliant purposes.

● Limit and term
Loan limit: up to RMB 1 million; loan term: up to 5 years; repayment methods: equal installment, equal principal, interest paid periodically with principal repaid at maturity, etc.

● Special tips
All personal credit loan (ICBC e Loan) records will be incorporated into the financial credit information basic database. Please repay the loan on time, as good loan behavior will help build your credit.

● Important notes
Borrowers must pledge to strictly use the loan for the stated purpose, and the loan funds shall not be used for the following purposes:
1. Purchasing real estate or repaying mortgage loans;
2. Investments in stocks, bonds, futures, financial derivatives, and asset management products;
3. Fixed assets, equity investments;
4. Other purposes prohibited by laws and regulations.

☆ Application Process
● Conditions
1. Chinese citizens aged 18 (inclusive) or above with full civil capacity. For applicants who are customers aged 65 or above, they must be high-quality customers recognized by the tier one (directly-managed) branch.
2. Having a stable source of income, realizable assets, or reliable repayment guarantees.

● Operation guide
Online Channels: ICBC e Life App, ICBC Mobile Banking, and Online Banking. 24/7 online application and processing are available. Either of the following paths is accessible: Search for “ICBC e Loan” in the top search bar; or click “Loan” on the homepage, then click “Credit purchase loan” on the “Loan” page.
Offline Channels: Customers can visit ICBC’s business outlets and process the loan through the counter self-service terminals.

☆ Loan Interest Rate

Floating interest rate (annualized), calculated by adding a spread to the latest one-year Loan Prime Rate (LPR), updated monthly.