Xinyi Loan is a pure credit loan product launched by Ping An Bank. Unsecured RMB loan business for personal legitimate consumption or business purposes other than house purchase. Ping An Pratt & Whitney is China Ping An's inclusive finance platform. The loan products provided by the platform include Ping An I loan, owner loan and salary loan. From the above, we know that new loans are loan products and Ping An Pratt & Whitney is a platform.

The maximum credit line of the new first loan is 500,000 yuan, the loan term is 12 months, 24 months, 36 months, and the excellent position can be as long as 48 months. Different borrowers have different loan interest rates. In the case of good user loan information, funds will be dispersed as soon as possible, and the application is very simple.

New loan conditions: 1, aged from 23 to 55 (inclusive), with full capacity for civil conduct; 2. Working continuously in the current work unit for not less than 6 months; 3. Other conditions required by Ping An Bank. It is worth noting that customers in Beijing, Guangzhou, Shenzhen and Hangzhou apply for a monthly income of not less than 5,000 yuan.

Users must repay the loan on time after handling it, and there can be no overdue repayment, because there will be penalty interest after the loan is overdue, and the longer the time, the more penalty interest. Moreover, after overdue repayment, it will be uploaded to the credit information center, which will affect the subsequent handling of various loans, such as car loans or mortgages.

Is Ping An Bank's new loan formal? Is it a usury?

This product is common. However, the interest of this product is relatively high, starting from the annualized interest rate of 10.8%, and the final interest is generally between 12%- 16%, and it is a repayment method with equal principal and interest, so the repayment pressure is relatively high.

This product repays the principal in equal amount every month, but the monthly interest is really repaid according to the initial loan amount, so it is not really equal principal and interest, which is easy to be confused. "New One Loan" is a large credit loan under Ping An Bank, with the amount ranging from 65,438+0,000 to 500,000. Products include monthly loan, policy loan, provident fund loan and social security loan, and the comprehensive annualized interest rate is between 1.3%-20%.

In short, this loan product has two pits. One pit is that the loan principal is decreasing, but the base for calculating interest has remained unchanged, resulting in higher interest in the future; The second pit is that you have to pay in advance. Sorry, I have to charge you 5% management fee.

Application conditions for new loans:

1, the age of application is 25-55 years old, and he has worked continuously in the current unit for 6 months;

2. The average monthly income in the last six months is not less than 3,000 yuan, and some cities (Shenzhen, Guangzhou, Shanghai and Hangzhou) are not less than 4,000 yuan;

3. Have a legal and stable source of income and the ability to repay loans;

4. Personal credit record is good, and there is no overdue loan record;

5. Meet other loan conditions of Ping An Bank.

How much is the new loan:

The maximum loan amount is 500,000 yuan, and the loan period can be 12 months, 24 months and 36 months, and the longest service life can reach 3 years. Without mortgage and guarantee, you can get a certain amount of loans with personal credit. The loan covers car purchase, decoration, travel, further education, wedding, medical care and so on. To meet the loan needs of many people.

What is the difference between Ping An Bank and Ping An Puhui? Ping An Bank's new loan interest is low, but the handling process is cumbersome, but Ping An Pratt & Whitney is simpler and the loan is relatively fast.

Ping An Xinyi Loan is a loan product of Ping An Bank, and Ping An Pratt & Whitney is a bigger loan platform. Although the names are all called Ping 'an, they are quite different in nature.

If you want to apply for a more reliable loan, it is still recommended to apply for a new loan. After all, it belongs to the bank's loan products.

Precautions:

1. The new loan is strict with the applicant's age. The minimum age of the applicant is 23 years old, and users below that age cannot apply for new loans.

2. The new loan requires the applicant to work for at least 6 months at present. If he can't provide a valid work certificate, he will be rejected.

If you want to apply for a new loan, you need a stable source of income. The monthly income of users in Beijing, Guangzhou, Shenzhen and Hangzhou is not less than 5,000 yuan, and the monthly income of people in other regions is not less than 4,000 yuan.

The difference between Ping An New Loan and Ping An Pratt & Whitney

Ping An Xinyi and Pratt & Whitney are essentially different in nature. Ping An Xinyi Loan is just a loan product of Ping An Bank, and Ping An Pratt & Whitney is a big loan platform. The differences are as follows:

1. Ping An Xinyi Loan is a credit loan product launched by Ping An Bank.

Ping An Xinyi Loan is the trump card product of Ping An Bank. Borrowers do not need mortgage or guarantee, as long as they meet the requirements of Ping An Bank, they can obtain credit loans from Ping An Bank. The process of applying for a new loan from Ping An is very simple. Users can apply to Ping An Bank as long as they provide personal identity-related materials and personal income information. Banks will use the big data risk control model to review the qualifications of borrowers, and the loan can be completed on the day of application at the earliest. The loan amount of Ping An Xinyi Loan is 6.5438+0-500,000 yuan, and the loan period is 654.38+0.2 months to 48 months. The bank will decide the final loan amount according to the borrower's repayment ability and loan purpose, and the loan period will be determined according to the borrower's actual situation.

Second, Ping An Pratt & Whitney is the inclusive finance platform of Ping An Group.

Ping An Pratt & Whitney is a inclusive finance platform under Ping An Group. The platform provides borrowers with a variety of loan products, including housing mortgage loans, vehicle mortgage loans and personal credit loans. Borrowers can choose corresponding loan products according to their own actual conditions, which can meet the various financing needs of borrowers. Although there are obvious differences between Ping An New Loan and Ampuhui, there are still some similarities. For example, Ping An Xinyi Loan and Ping An Pratt & Whitney Loan will conduct personal credit reporting. If the borrower loans overdue, it will have an impact on the borrower's credit.

Third, the business types are different.

Ping An Xinyi Loan and Ping An Pratt & Whitney have different business types. Ping An Credit Easy Loan is a credit loan product, and Ping An Pratt & Whitney is a platform in inclusive finance, including mortgage loans, credit loans and other products, with a wider business scope.

Fourth, we are facing different customer groups.

Ping An Xinyi Loan and Ping An Puhui face different customer groups. Compared with Ping An Pratt & Whitney, Ping An Xinyi Loan faces better customer qualifications. The customer group qualification of Ping An Pratt & Whitney Loan will be worse, and the corresponding loan interest rate will be higher.

What is the difference between Ping An New Loan and Pratt & Whitney? One thing makes the two far apart!

Anyone who has a certain understanding of the online loan industry knows that there are two sayings in the online loan market: "Ping An New Loan" and "Ping An Pratt & Whitney". So, what is the difference between Ping An New Loan and Pratt & Whitney? Here I will introduce the difference between the two.

First of all, let's introduce Ping An New Loan and Ping An Puhui respectively.

Ping 'an New Dai Yi

Ping An Xinyi Loan is a pure credit loan product of Ping An Bank, and the borrower does not need to provide mortgage and guarantee. This product can provide you with a loan of1-500,000 yuan, with a service life ranging from 12 months to 48 months and a monthly interest rate of between.

Ping An Xinyi Loan belongs to the bank's loan product, but the application process is very simple, and the following payment speed is also very fast. If the loan information provided by the borrower is complete, the loan can be released as soon as 1 day.

Ping an pu hui

Ping An Pratt & Whitney is China Ping An's inclusive finance platform, which can provide a variety of loan products, including Ping An I loan, life insurance loan, owner loan, salary loan and O2O loan. You can choose the right loan product according to your actual situation.

There are many similarities with bank loans. You can apply for a loan from Pingan Puhui with credit, real estate and cars.

It is not difficult to see the difference between Ping An New Loan and Pratt & Whitney from the above. They are fundamentally different in nature. Ping An Xinyi Loan is just a loan product of Ping An Bank, and Ping An Pratt & Whitney is a big loan platform.

If you prefer to borrow from banks, you can give priority to the new loans from Ping An Bank. If you are interested in Ping An Pratt & Whitney's services, you can also try to apply for a loan from Ping An Pratt & Whitney.