; ? Banks have always been a reliable lending institution in everyone's mind. However, borrowing from banks is often complicated and slow. Now major banks have also bought their own online loan products, such as Ping An Bank, which made a new loan. So, what conditions does Ping An Bank need to apply for a new loan? Let me introduce the relevant content here.
As a loan product that can be applied online, Ping An Bank's new loan application conditions are relatively simple and can be summarized as four points. Details are as follows:
1. The applicant must be between 25 and 55 years old and can provide a true and valid second-generation ID card;
2, personal credit is good, not a credit loan user, nor is it a person included in the list of untrustworthy people by the court;
3. Have a certain repayment ability, and personal income is enough to repay in full and on time;
4. You can provide Ping An Bank with mortgage, car loan, provident fund, social security, tax bill, life insurance policy and so on.
The above are the basic application conditions for Ping An Bank's new loan, which can be met by most people. Ping An Bank's new loan application conditions are simple, but they are not 100% pass rate. Everyone needs to pay attention to some details when applying for a new loan at Ping An Bank.
Matters needing attention
1. When applying for a new loan at Ping An Bank, you must carefully check your own information, and don't contradict yourself or misuse other people's information.
2. If you apply for a loan through a life insurance policy, try to use China Ping An's life insurance policy.
When it comes to the purpose of the loan, it can never be said that it is used to buy stocks, speculate in futures and buy houses. Generally speaking, it is more suitable for personal consumption such as decoration, tourism, further study, wedding, or enterprise procurement and capital turnover.
How about Ping An Bank's new loan? A little sad!
Is Ping An Bank's new loan reliable? Detailed explanation of Ping An Bank's new loan!
What are the terms of Ping An Bank's new loan?
The application conditions of Ping An Bank's new loan are: China citizens with full capacity for civil conduct and holding second-generation ID cards; Age 23 years old (inclusive) ~ 55 years old (inclusive); Working continuously in the current work unit for not less than 6 months; You can apply for an average monthly income of more than 4,000 yuan (customers in Beijing, Guangzhou, Shenzhen and Hangzhou can apply for an average monthly income of not less than 5,000 yuan); Other conditions required by Ping An Bank. The required application materials are: second-generation ID card; Proof of income and assets, etc. ; Proof of loan use, etc. ; Business information, etc. (for self-employed persons).
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As long as the information is complete, Ping An Bank will issue new loans 1-3 working days, and the application threshold is low: the average monthly income is more than 4,000 yuan (customers in Beijing, Guangzhou, Shenzhen and Hangzhou can apply for not less than 5,000 yuan); You don't need any guarantee, just a personal credit application. Go to the bank 1 time and sign the 1 contract to apply. The repayment is flexible, and the loan amount is 654.38 yuan+00,000 ~ 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.
Loan Requirements for New Loans of Ping An Bank
Basic conditions for applying for new loans from Ping An Bank:
1, aged 23-55 years old, has worked continuously in the current unit for 6 months;
2. The average monthly income in the last six months is not less than 4,000 yuan, and some cities (Shenzhen, Guangzhou, Shanghai and Hangzhou) are not less than 5,000 yuan;
3. You don't need to own real estate or have a local household registration, as long as you work in Shenzhen, Guangzhou, Shanghai, Hangzhou, Fuzhou, Xiamen, Quanzhou, Dongguan, Huizhou, Zhongshan and other cities 10.
In addition to the above basic conditions, the following application materials shall be submitted:
1, Ping An New Loan Application Form;
2. The ID card must be a second-generation ID card. Please copy the front and back to the same A4 paper.
3. Work certificate The work certificate (stamped with the official seal of the unit/the seal of the personnel department) or labor contract (indicating the personnel of the human resources department) issued by the unit in the last month must be reflected in the continuous working time of the current unit of not less than 3 months (some of which need not less than 6 months), and the time recorded in the certificate shall prevail;
4. Income proof standard salaried customers need to provide the bank salary flow in my name for nearly 6 months; The work certificates of outstanding professional customers and employees of Ping An Group can replace the bank to pay wages if they have income statements, except that sales are the main source of income;
5. loan commitment letter;
6. Credit inquiry authorization;
7. Ping An Bank Debit Card.