Submit the following information to the bank:

(1) loan application approval form;

(2) my valid identity certificate and a copy;

(3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months);

(4) proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );

(5) Effective contact information and telephone number;

(6) Personal settlement account voucher opened in China Industrial and Commercial Bank;

(seven) other information required by the bank.

1, female: 22-55, male: 22-60. The loan amount is 80-300,000 yuan. Work in this unit for more than 3 months (after the probation period).

2. Pre-tax income of monthly salary is more than 5,000 (if you have applied for a credit card in the bank and have a bank credit record, you can relax it to more than 3,000). Generally speaking, if you meet the above conditions, the amount you can borrow is 6-65,438+00 times your monthly salary.

The salary will be paid by the bank in the form of punching, not in cash.

4. Issue the salary list printed by the salary bank and the work certificate of the employer.

5. China citizens with full capacity for civil conduct and second-generation identity cards.

6. No bad credit record.

Extended data:

Ping An Bank loan application process is as follows:

1. The applicant needs to open a loan repayment account with Ping An Bank.

2. Then the applicant applies for a loan from the employee.

3. Ping An Bank conducts a loan investigation on the borrower.

4. The auditor of Ping An Bank shall review the loan information submitted by the borrower.

5. Ping An Bank Sub-branch gives the approval result of the loan application.

6. The applicant shall go through the formalities of mortgage guarantee.

7. Ping An Bank signs a loan contract with the applicant and issues loans at the same time.

8. Ping An Bank completed the transfer of loan funds.

9. The applicant repays the loan principal and interest as agreed in the contract.

How to apply for a credit card loan?

Credit card loan process:

1. You need to apply for a credit card from the bank and submit relevant supporting materials, such as identity certificate, income certificate and work certificate. , and your personal credit is good;

2. Waiting for bank approval;

3. After approval, you can get a card with a certain credit limit granted by the bank.

After the applicant activates the card, he can swipe his card to buy the required goods. However, after the credit card is overdrawn, the cardholder must repay in full and on time to avoid leaving a bad credit record.

Credit card loan definition:

Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit, and banks only charge fees. The fee rates are different at different stages.

Credit card loan terms

1. Hold the credit card of the bank applying for loan;

2. Good card use record;

3. There are restrictions on the types of credit cards, such as China Merchants Bank business card, official card, purchase card, ANA guarantee card or supplementary card, and cash installment business is not supported;

4. Cash installment funds shall not be used for investment (including but not limited to equity investments such as house purchase, stocks and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).

Six banks support credit card loans:

At present, Industrial Bank, Guangfa Bank, Ping An Bank, China CITIC Bank, Shanghai Pudong Development Bank and Huaxia Bank provide credit card loan functions.

At present, the application for credit card loan business is not very strict. As long as you have good credit and no bad repayment record, you can generally apply. The main methods used by banks are telephone invitation or active application by customers. In this way, they can apply for loans ranging from 5,000 to 200,000.

Credit card lending business is only suitable for short-term borrowers, they can be used for capital turnover, but not for long-term borrowers. Because after the credit card transfer, although the cardholder can repay the loan in installments, the longer the installment time, the higher the interest. The monthly interest rate of 12 installment is about 0.75%, which means that 10000 yuan will have interest from 75 yuan. If you borrow 50,000 yuan in advance, 12 installment repayment, the monthly interest rate is 0.75%, and the annual interest is 4,500 yuan. At present, the interest rate of personal loans for six months to 1 year (inclusive) is 6.06%, and the interest rate of loans for more than five years is 6.60%. Compared with traditional loans, the cost of credit card transfer loans will be higher.

The difference between credit card loans and consumer loans

The scope of use of the two is different.

Generally, bank consumer loans will be earmarked for cardholders. For example, housing loans can only be used to buy a house, car loans can only be used to buy a car, decoration loans can only be used for decoration, and consumer loans can only be used for specific types of consumption. Credit cards are more widely used and relatively flexible. After applying for a credit card, all merchants who can pay by credit card can pay by credit card.

The cost is different.

Consumer loans do not enjoy interest-free period, and lenders need to repay each installment on time from the effective date of the loan, so the loan cost is inevitable. Credit cards enjoy a maximum interest-free period of 50 -56 days, during which cardholders can freely overdraw. As long as the repayment is made in full before the due repayment date, there is no need to bear the capital cost.

The convenience of application is different.

Consumer loan application is troublesome, complicated and strict, and usually takes a long time. In many cases, applicants need to provide more supporting documents, even mortgages and guarantees. Applying for a credit card is relatively easy. Customers can apply for credit cards through offline outlets of banks, official website, WeChat and mobile apps. In the application process, you only need to provide personal information and application materials such as work certificate and income certificate. Credit card approval time is relatively short, and it is more convenient to apply.

The two repayment methods are different.

Consumer loans can be repaid regularly, while credit cards can be repaid in full, in installments or at the minimum repayment amount, which provides more convenience for cardholders.

What are the conditions for Ping An Bank's credit loan?

Ping An Bank credit loan conditions:

1. China citizens with full capacity for civil conduct and holding second-generation resident identity cards;

Second, the age is between 23 and 55 years old;

Three, the borrower's working relationship, household registration, real estate, must be located in the branch of Ping An Bank;

4. The borrower's credit record meets the requirements of the basic recognition standard of credit record.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., one of Chinese mainland 12 national joint-stock commercial banks and one of the three business pillars of Ping An Group. Its headquarters is located in Shenzhen, Guangdong. Its predecessor was Shenzhen Development Bank, mainly engaged in financial and credit services.

Platinum card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks. UnionPay card is a bank card with the card number beginning with 62 and the UnionPay logo printed on the card surface, which was jointly launched by China UnionPay and commercial banks. UnionPay cards only have the UnionPay logo on the card surface, and there are no other card brand logos, which are usually also called single logo UnionPay cards. UnionPay cards are subdivided into ordinary cards, gold cards, platinum cards and diamond cards according to card level and service authority.

UnionPay Platinum Card, like other UnionPay cards, has a card number starting with 62 and a UnionPay logo on the card face. In appearance, the name of the Platinum Card is printed in English or English in the card issuer identification area on the front of the card, or the card surface uses the "Platinum" Platinum Card product identification pattern designed by UnionPay. The main color of the card is usually metallic platinum. In addition to all financial functions, UnionPay Platinum Card also provides a 24-hour exclusive platinum service hotline, online banking service, account change SMS reminder service and counter priority service. In addition, some banks also provide value-added services such as traffic accident insurance, airport VIP room service, medical care, golf reservation service and wealth management housekeeper for platinum cards.

The credit cards launched by Ping An Bank have different grades, and different grades have different credit limits. There are mainly three grades of Puka, Gold Card and Platinum Card, among which the amount of Puka is generally between 3000- 1 000 yuan; The amount of gold cards is usually around 6,543,800+0,000 to 50,000 yuan; As for platinum cards, the amount is mostly more than 50,000 yuan. In addition, the applicant's comprehensive qualifications are different, and the credit card quota approved by the bank will be different. If two people with different qualifications apply for the same Ping An credit card, the one with better qualifications will generally have a higher approval amount. Of course, the credit card limit is not fixed. As long as you spend normally in the process of using the card, repay on time and make a good record of repayment with the card, the bank will help you raise the amount.