Jilin Bank enjoys low prices.
1. The auspicious monthly interest rate of Jilin Bank is 0.4% to 1.35%.
2. The monthly interest rate of Ping An Pratt & Whitney Financial Loan is 1.29% to 1.89%.
Jilin Commercial Loan Competition: Auxiliary Loan and Owner Loan
Jilin Yixin's "business-assisted loan" is an operating loan for business owners who have been operating in Jilin area for more than 1 year. It needs an average monthly flow of more than 5,000 yuan, and the loan time of Jilin merchants is only two days, which is relatively fast. However, the monthly management fee is 2.36%, and the loan cost is high. Jilin Ping An Finance's "owner loan" is aimed at operators who have been operating for six months. The loan amount is small, with a maximum of 1.5 million, a monthly management fee of 2.30% and a loan time of 3 days.
Loan information
loan limit
Terminology scope
Lending time
Fee Schedule
Repayment method
Zhu Yixin leaf zone
1-500,000 yuan
12-36 months
2 working days
The reference monthly management fee is 2.36%
instalment repayment
Ping' an finance yezhudai
2-65438+500,000 yuan
12-36 months
3 working days
The reference monthly management fee is 2.30%
instalment repayment
The advantages of Jilin Yixin merchants in helping loans are reflected in two aspects: large loan amount and fast lending time. The maximum loan amount can reach 500,000 yuan. In contrast, the owner loan of Ping An Finance is only 6.5438+0.5 million yuan. In addition, CreditEase's loan lending time is 2 working days at the earliest, which is relatively fast. On the whole, Jilin CreditEase's "entrepreneurship loan for supporting agriculture" is suitable for enterprises in urgent need of liquidity.
Relatively speaking, the monthly management fee of Jilin Ping An Financial Owner Loan is a little lower, 0.06% lower. Taking the loans of 6,543,800 yuan and 6,543,802 months as examples, the total interest of Ping An Finance's owner loans is 27,600 yuan, while the total interest of Credit Suisse's auxiliary loans is 28,300 yuan. In addition, Ping An Finance's owner loan only requires operating time of more than 6 months, which is lower than CreditEase's commercial loan, which requires operating time of more than 1 year.
What about the "salary loan" of Jilin Ping An Finance?
Jilin Ping An Finance's "salary loan" consumer loan is aimed at office workers who have worked in the local area for more than 6 months, requiring a monthly income of more than 3,000, good credit, social security or provident fund. Overall, the threshold is medium.
Loan information
loan limit
Terminology scope
Lending time
Fee Schedule
Repayment method
2-65438+500,000 yuan
6-36 months
3 working days
The expected annualized interest rate in the reference month is 0.40%.
The monthly management fee is 0.40%
instalment repayment
Letter of credit clause
Age requirement: 22-60 years old.
Work area: local.
Working years: continuous work in the current unit for more than 6 months (social security or provident fund is required).
Income requirements: the monthly income after punching in the card is more than 3,000 yuan, and it is necessary to provide bank running water for nearly 6 months.
Credit requirements: the applicant must have a credit record in the system (for example, using a credit card or loan to buy a house or a car).
Required materials
1. ID card.
2. Income certificate issued by the company (seal).
3. Bank statement of salary in the last six months.
4. Water, electricity and coal bills of the place of residence.
5. Personal credit report (printed by local China People's Bank)
Jilin Ping An Finance's "salary loan" consumer loan amount is low, with a maximum of only 6.5438+0.5 million yuan. The longest loan period is 36 months, and the fastest lending time is 3 days. Loans are average, but one of the most prominent advantages is the low cost of loans. Its monthly expected annualized interest rate is only 0.40%, and its monthly management fee is only 0.40%. On the whole, Jilin Ping An Finance's "salary loan" consumer loan has a moderate cost performance. The loan application is about to be completed
How to get a loan from Ping An Bank?
How to get a loan from Ping An Bank?
The loan application process of Ping An Bank is roughly as follows. Please click on the name of the loan product in official website, the flagship store of Ping An Finance.
How to get a loan from Ping An Bank
2
If it is a commercial loan, you can see it in the column of application conditions after clicking enter. China citizens who need to hold a second-generation ID card must be between 25 and 55 years old and have a good credit record. You can choose one of monthly contribution, provident fund, tax bill and life insurance policy.
How to get a loan from Ping An Bank
three
The column of reserve fund information corresponding to loan products is clearly marked with reserve fund information. For example, the second-generation ID card and business license are the materials for operating loans.
How to get a loan from Ping An Bank
four
If you apply, if you meet the above requirements, prepare the required materials, click Apply Now, follow the system prompts, fill in the contents and submit them, and the bank account manager will take the initiative to contact the corresponding personnel, and then submit the materials to the corresponding personnel.
What are the requirements for Ping An Bank loan?
Ping An Bank has loans that need neither mortgage nor guarantee. Ping An Bank provides credit loan business. Credit loan is a loan that can be applied only by the borrower's reputation, and it does not require the borrower to provide collateral or third-party guarantee.
Like Xinyi Loan, it is an unsecured and unsecured credit loan product launched by Ping An Bank. This product can be applied only by credit, and the loan amount is up to 500,000 yuan, which is mainly aimed at people with stable and continuous wage income and working-class (or self-employed) with operating income.
The new loans are mainly used for personal consumption (car purchase, decoration, travel, further education, wedding, medical care, etc. ), and does not support the purchase and investment. If you want to apply for a new loan, you must first be between the ages of 23 and 55; Secondly, the city where you work and live should have the business outlets of Ping An Bank; Also, there must be a stable and legitimate source of work and economic income; Moreover, personal credit should be good, and there is no bad credit record on the credit report.
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Let's stop here for the introduction of Jilin Ping An Loan.
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