There are many consumer loans in Ping An Bank loans, such as white-collar loans, car owners loans and MAX loans. The maximum amount is 2 million, and the minimum amount is 65438+ 10,000. The interest and amount of Ping An Bank loan are determined according to personal credit. You can see the details of Ping An Bank loan in WeChat official account.
Is Ping An Bank's loan reliable?
Ping An Bank loans are reliable. Ping An Bank is a commercial bank established with the approval of China Banking Regulatory Commission, which can carry out loan business and is a reliable loan bank.
As one of Chinese mainland 12 national joint-stock commercial banks, Ping An Bank's loans are naturally completely reliable. At present, Ping An Bank's loan business ranges from personal unsecured credit loans to mortgage loans, car loans and personal small consumer loans. As a fully formal bank, everyone can use the loan with confidence.
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., and one of Chinese mainland 12 national joint-stock commercial banks, headquartered in Shenzhen, Guangdong. Formerly known as Shenzhen Development Bank, it is the first publicly listed national joint-stock bank in China.
China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it still needs the insurance company's audit to repay the loan, which is equivalent to being guaranteed by Ping An Group. The lender shall pay the insurance premium to Ping An Group in one lump sum after obtaining the loan, and deduct the bank interest and monthly repayment amount regularly every month.
It is impossible to borrow money from banks without collateral, and the new "credit guarantee insurance" of Ping An Group has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank handed over risk management to Ping An to check customer information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination.
It can be said that the threshold of this loan product is the lowest among all platform loans, and its functions are relatively comprehensive. Some platforms are difficult to approve if they have loan records before, but they can continue to lend in Ping An Bank. No matter whether you have paid the monthly payment or used the housing provident fund loan before, you can pass the loan approval again, and all the approvals are online. As long as the conditions are qualified, it is very convenient to lend money quickly.
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
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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
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The column of reserve fund information corresponding to loan products is clearly marked with reserve fund information. For example, the materials to be prepared for operating a loan are the second-generation ID card and business license.
How to get a loan from Ping An Bank
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Apply. If the above conditions are met, 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.
There are two main situations:
First, Ping An's large consumer loans.
Ping An Bank's "New Loan" is a personal consumption loan business launched by Ping An Bank, which does not need any collateral. Generally speaking, a formal loan company loan has the following basic loan conditions:
1, with China nationality (excluding Hong Kong, Macao and Taiwan residents);
2. The age is between 2 1-55 years old;
3. Work certificate: the work income certificate is stamped with the official seal or personnel seal, and has worked or lived in the application place for more than half a year;
4. Have a stable job, and the monthly income of employees is not less than 2,000 yuan (the bank has been running for the last three months); Enterprise legal person (it has been flowing to public or private banks in the last six months);
5. Proof of address:
Generally speaking, if the information is prepared in advance, 1-3 days can get the money. Be careful not to pay any fees before the loan is successful. Need ID card, running water, work certificate, etc. I suggest that you can inquire about the conditions of local formal loan companies in accelerating loans and choose to apply and handle them according to your own situation.
Two. Ping' an micro-credit loans
Ping An Bank's small consumer loans are suitable for office workers. You can apply for a monthly income of 3000 yuan without a mortgage. The loan amount is 200,000-500,000, and the monthly loan interest rate is 0.9%- 1.9%. The loan amount can be used for car purchase, decoration, tourism, further education, medical treatment, wedding, business operation and other purposes. In addition, Ping An Bank's application procedures for small consumer loans are very simple, requiring online approval and no paper materials. If the information is complete, it can be released within 1 day.
Introduction of two kinds of loans
1. Large consumer loans are one of the main uses of unsecured personal credit loans (new loans). It is a personal credit loan issued by Ping An Bank to wage earners who have plans to buy large items to meet the borrower's consumption demand for high-priced goods such as furniture, electrical appliances and jewelry. There is no need for guarantee and collateral, and the average monthly income is used as the basis for judging the loan amount, and the maximum loan can be 500,000.
Two. Ping An Bank includes car loan, new loan and ID card loan. Personal small consumer loan refers to the RMB-guaranteed loan issued by the bank to the lender for the lender and his family to purchase small durable consumer goods, automobiles, house decoration, tourism, medical care and other consumer purposes. The initial loan amount is relatively low, and the guarantee methods are diverse.
Introduction of personal consumption loan
Personal consumption loan is a consumer-oriented loan product provided to individual customers according to their credit status and the collateral provided by the Bank. According to whether there is mortgage or not, personal consumption loans are divided into personal mortgage consumption loans and personal pledge consumption loans; According to whether the loan amount is recoverable or not, personal consumption loans are further subdivided into personal mortgage recoverable consumer loans, personal mortgage non-recoverable consumer loans, personal unsecured pledge recoverable consumer loans and personal unsecured pledge non-recoverable consumer loans.
The above contents are for your reference. Please refer to the actual business regulations.