Has there been any problem in the ongoing processing of Rong e-loan?

Why is my ICBC e-loan always being processed? How long will it take to disburse the loan? Does anyone know?

After applying for e-borrowing, the system will automatically review it in real time. Please refer to the following time limits: (1) For those customers who already have a credit card, the system will directly enter the automatic approval process. After the approval is successful, the loan funds will be transferred in real time. If the automatic approval fails, manual approval will no longer be performed, and a failure message indicating that the approval has not been passed will be sent to the customer. (2) For the first loan applied for by non-ICBC credit card customers, manual investigation and verification are required first. After confirming the customer's application, automatic approval or manual approval will be carried out. The second and subsequent loans do not require manual investigation and will be automatically approved by the system. . It takes 1 day at the fastest to transfer loan funds, and 2-3 working days on average. If there is no review result for a long time, you can call 95588 manual service to verify the feedback.

1. Rong e-borrowing: Rong e-borrowing refers to unsecured and unsecured RMB loans issued by the Industrial and Commercial Bank of China to borrowers who meet specific conditions for personal legal and compliant consumption purposes. Rong e-borrowing calculates interest on a daily basis, and the loan interest rate is 50% higher than the benchmark interest rate of the People's Bank of China for the same period and grade. The current one-year e-loan loan interest rate is 6.525, for a loan of 10,000 yuan, the average daily interest is less than 1 yuan. Some customers can enjoy lower discounts. The minimum loan period is two months, and the maximum is usually two years. Some customers can enjoy longer periods. Customers can flexibly choose the number of loan periods within the maximum loan term.

2. Lending: Lending is an important step (or operation) in the loan process. It refers to the process in which the loan application submitted by the borrower is reviewed and approved, and the lending institution issues the loan to the borrower. After the loan is received, the borrower can use the loan amount according to the purpose of the loan. Credit lending can enable borrowers to obtain additional capital and promote the expansion of production and circulation scale. Therefore, credit lending is a kind of capital lending. It is one of the forms of bank lending. The risk of issuing credit loans is generally greater than other loans, so the interest rates are higher and many conditions are often attached. Is it possible to re-borrow if e-borrowing is still being processed?

Rong e-borrowing allows you to borrow another loan only after one loan is successful. However, Rong e-borrowing has been processed and has not completed the review, so it cannot be borrowed again, and this application cannot be canceled. , the borrower can only wait patiently for the loan review result to come out.

Generally, ICBC e-borrowing is automatically approved by the system, and the results can be obtained in a few minutes at the earliest. However, if manual review is required, it will take at least 2 working days to process. The borrower can call ICBC for transfer. Customer service inquires about the Rong e-loan processing process. Rong e-loan approval is so slow. What’s the matter with Rong e-loan being processed all the time?

If you want to ask what is the most popular type of loan among users now, it must be online personal consumption loan. In addition to some private financial institutions, banks have also launched many online small loan products in order to meet the needs of different customers. Rong e-loan approval is so slow. What’s the matter with Rong e-loan being processed all the time?

Rong e-loan is easy to approve. Man-rong e-loan is an online personal consumption small loan product of ICBC. Under normal circumstances, after the borrower’s loan application is approved, Rong e-loan will be approved within 1-3 days. Disburse money within hours. If disbursement is slow, it may be due to the following reasons.

1. Too many people applying for loans: Although Rong e-borrowing is an online loan, there will still be manual review when lending. If there are too many people applying for loans, the system will be stuck and loan disbursement will be slow. If the borrower waits patiently for a period of time until he is queued up, Rong e-Lending will disburse the loan quickly.

2. System maintenance: If the borrower happens to apply for a loan when the Rong e-borrowing system is being upgraded and maintained, then even if the loan is approved, Rong e-borrowing will not be able to proceed until the system maintenance is completed. Loans.

What’s going on with e-Loan being processed? Many users have reported that after applying for e-loans on the ICBC APP, it still shows "Processing" after a day or two. In fact, if the borrower is a non-ICBC credit card customer and applies for an e-financing loan for the first time, he or she needs to undergo manual investigation and verification of information before entering the approval stage.

After entering the approval stage, automatic approval by the system and manual approval are required. This period takes about 2-3 days. If the borrower applies for e-financing again later, he does not need to wait for such a long time. The above is the sharing of relevant content about "Ronge loan approval is so slow". I hope it can help everyone! What should I do if ICBC e-Lending is still being processed?

If the application process of ICBC E-financing loan always shows that it is being processed, it is recommended to do the following:

1. Take the initiative to call ICBC’s 24-hour service hotline 95588, and manually The service channel consults the customer service staff for specific information to see how far the loan has been approved, and whether the loan has been rejected, but the system has not yet updated the information. Log in to the ICBC mobile banking client, select the credit loan in the borrowing area of ??the credit card (debit card) interface, and then select the process query option to also apply to query the process of the Financial E-loan.

2. If it is confirmed that Rong E Loan is indeed still in the approval process, you can only continue to wait patiently, and manual intervention cannot be forcible. Under normal circumstances, the approval can often be completed on the same day, and the account can be received in real time at the earliest. Even if there is a delay, the results can usually be obtained in three to five working days.

3. If you find that you have been rejected by the system, but the system has not updated the information, you need to find out the reason for the rejection, and you can reapply after solving the problem. For example, if the credit is bad, you need to be patient to improve your credit before borrowing; if the debt is too high, you need to repay the debt in your name and reduce the debt before borrowing.