Ping An Bank's "new loan" is an unsecured RMB loan for personal consumption, which is specially issued by Ping An Bank to people with stable and continuous wage income, and its monthly wage income is used as the basis for judging the loan amount. The "new one loan" unsecured loan service refers to a certain amount of loans that can be obtained completely by relying on personal credit without real estate mortgage or guarantee.
Conditions for applying for a new Ping An loan
1. Age: 25-55 years old, China citizen with full capacity for civil conduct and second-generation ID card;
2. Income: I have worked continuously in my current unit for at least 3 months (6 months for some people), and the average monthly income for half a year is not less than 3,000 yuan, and some cities (Shenzhen, Guangzhou, Shanghai and Hangzhou) are not less than 4,000 yuan.
3. Credit requirements: You must have a credit record, have used a credit card, made a mortgage, a car loan, or helped others to make a guarantee.
4. This business is temporarily opened in Shenzhen, Guangzhou, Shanghai, Hangzhou, Fuzhou, Xiamen, Quanzhou, Dongguan, Huizhou and Zhongshan.
5. Crowd: paid by people with stable and continuous wage income, or individual industrial and commercial households and business owners.
Proof of materials for handling Ping An Xinyi loan.
1, ID card; (second-generation ID card) 2. Proof of residence; (Rent: lease agreement or temporary residence permit, own property: real estate license+household registration book) 3. Work certificate; 4. Proof of loan use; 5. Bank payroll records for the past six months.
Characteristics of Ping An Xinyi Loan
No guarantee-without any mortgage or guarantee, your credit is the best loan pass.
Fast loan-complete information, the fastest loan 1 day, and a unique remote approval mode, allowing you to obtain unsecured loans with a long term-you can freely choose the repayment period 12 months, 24 months and 36 months, up to 3 years.
Widely used in-car purchase, decoration, tourism, further study, study abroad, wedding, medical care and other unsecured loan purposes.
Easy repayment-Take the loan of 50,000 yuan and the interest rate of 3 years as an example, the average monthly loan interest is only 190 yuan! (For reference only, subject to the final audit of the bank, and the account management fee will be charged separately. )
Ping An Loan in China means that the loan amount of Ping An Xinyi Loan is between 300,000 and 500,000, and the repayment period is divided into three types: 65,438+02, 24,36 months. The applicant can repay the principal and interest monthly or in advance.
Loan application materials
Copy of id card
Work certificate (labor contract, or certificate issued by the company, if you have a social security card, it is better)
Proof of income (online banking provides the salary daily account for the current three months, and cash provides the bank daily account for the latest month)
Proof of address (rental contract, recent water and electricity bill or credit card bill sent home)
Under the same conditions, the approval quota and pass rate with property right certificate are relatively high.
According to the specific situation of the applicant, the specific information is also different, and you can consult in detail at the local credit Commissioner.
Introduce loan fees
"Ping An Easy Loan Insurance" has very low insurance conditions, and any China citizen with a stable job and income can apply for it. In terms of cost, Ping An Property & Casualty charges a certain credit guarantee premium, but the premium is quite high. Take the loan of 1 year 10000 yuan as an example, the premium needs 2 100 yuan (the premium is calculated at 2.6% per month), but the repayment method of Ping An Easy Loan is equal repayment of principal and interest per month. Cooperative banks charge loan interest at normal interest rates.
Repayment introduction
According to the number of repayment periods selected by the applicant, each month is one period. Yes, 1 year, 2 years. Based on the loan date, the repayment date is the same day of each month during the repayment period, and the bank will automatically deduct the repayment amount from the bank card of the loan. Before the repayment date, SMS will remind you of the monthly repayment amount.