It is estimated that this oxygen loan does not belong to Ping An Company, but is a branded routine loan. It is not standard to pay the handling fee first, so we should pay attention to the routine.
In addition to interest, Ping An Pratt & Whitney Oxygen Loan has to repay the monthly management fee and monthly insurance premium, so the interest plus handling fee is relatively high, and it is best to settle it in advance as soon as possible.
There are many platforms that can be provided now, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. The small amount is low, but it is very popular because of its fast loan and flexible repayment. Choose a formal platform, and the funds and uses will be fine.
It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services and borrow money from Xiaomanjin. Consumer loans with money to spend, the daily interest rate is as low as 0.02%, and the annualized interest rate is as low as 7.2%, which has the advantages of simple application, low interest rate, quick loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions of money-consuming products: it is mainly divided into parts.
1. Age requirement: 18-55 years old. Special note: having money to spend is a student at school. Please abandon your application.
Second, information requirements: you need to provide your second-generation identity during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. You can't use temporary id card, expired ID card or first-generation ID card to apply for identity.
overdue loans
Article 207 of the Contract Law stipulates that "if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations".
Penalty interest will be charged if it is overdue. From the overdue date, default interest will be charged at the agreed interest rate 150% every day until the payment is overdue. Your overdue record will be reported to the People's Bank of China for credit investigation, which will affect your credit record and cherish your credit.
If loans overdue exceeds a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information, the central bank continues to cooperate with Qianhai Credit Information, Shanghai Credit Information and Peng.
Interest will be charged at the default interest rate from loans overdue or the date when it is not used according to the purpose agreed in this contract or not used according to the purpose agreed in this contract until the principal and interest are paid off. The compound interest of the plan.
You can treat that untrustworthy person.
1, some high-consumption behaviors are prohibited, including sleeping on planes and trains.
2. Implement other credit punishments, including restricting loans from financial institutions or handling credit cards.
3. If the untrustworthy person is a natural person, he shall not be the legal manager of the enterprise.
According to the specific repayment methods, installment loans can be divided into complete repayment methods.
1, complete staging, etc.
The loan principal and interest are paid in one lump sum on the maturity date, which is the risk brought by the borrower's failure to repay the loan at maturity.
2. Partial installment repayment method
Pay part of the loan in equal installments, pay interest on the remaining loan in installments, and repay the principal at one time when it is due.
2. What is the loan officer of Ping An Bank?
Ping An Easy Loan business is easy to do, but not easy to do. People who are eloquent and know how to do business often have higher wages. Customers need to dig from the same industry or expand themselves.
3. How about Ping An Pratt & Whitney Loan? Is Ping An Group formally established?
Ping An Pratt & Whitney loan work is not bad, and the work is regular. Pratt & Whitney employees enjoy five insurances and one gold, and they can also choose to pay enterprise annuity after working for a period of time. There is no problem with welfare. So the work is still good.
Ping An Pratt & Whitney is the general name of the companies under the joint venture company of China Ping An Insurance (Group) Co., Ltd. that carry out financing guarantee, financing consultation and other businesses. Assist small and micro business owners, individual industrial and commercial households and ordinary wage earners to obtain professional loan services, and help the development of China's real economy.
After years of rapid development, Ping An Pratt & Whitney has grown into a professional model in terms of comprehensive strength and corporate governance: it has excellent international management team and rich experience in credit business management; Through innovative credit technologies such as face recognition, micro-expression, artificial intelligence technology, and anti-fraud scanning, the company has continuously improved its risk management and control capabilities, and its steady and leading risk management capabilities have also continuously optimized its asset risk performance.
4. How about going to Ping An Pratt & Whitney as a credit salesman? Does anyone have experience? Come and share it?
Advantages:
1. Loan officers have free working hours and don't have to go to work every day. They can leave the workplace after the morning meeting and do whatever they like! Even if something happens, you can ask for leave and not attend the morning meeting. It's okay not to come for half a month! And all kinds of small gifts. There will be tours when you are older, but tours are also shopping groups. In February, there will be a lot of payroll tax relief. The salary shows that there is no salary deduction, which is equivalent to a half-price tour!
2. Post-loan management is simply a collector. The customer is overdue, you are responsible for making him repay! Work overtime to around 10 every night (there will never be overtime pay, 3 to 5 days on the 11th National Day). The company has five risks in the next month and pays a gold after half a year (the same is true for loan officers! )
Disadvantages:
1, it can be said that Ping An Pratt & Whitney has a high interest in the work of loan officers. You have been taught speech skills since the induction training, and the interest of customers can't be seen from the page! The real interest is far higher than the expressed interest, so it often happens that many salesmen hide their interests to deceive customers for performance! In addition, the monthly repayment of the loan is very deep, so it is not the case at all after careful calculation. Therefore, people in this line must be ruthless and not afraid of complaining or scolding. Anyway, there are so many routines that most people can't see the deep place at all! It's basically a one-time sale! It is said that customers recommend very little!
2, the company always gives it to everyone, often the incentive plan is not fulfilled, that is, the pie is painted at the beginning of the month, so that everyone can work hard! The loan officer who ends at the end of the month will talk about it!
3, poor performance, overtime every day is usually 7 o'clock, some useless ink, and then wait until around 8 o'clock, sometimes even later! (Never get overtime pay)
4. Every day, the team leader will check your work and exhibition volume. You made several phone calls today, you made some strangers, and there are several potential customers. If you can't finish it, you will be punished!
5. Most loan officers show their business by calling and adding WeChat (micro-marketing) every day.
6. There is no performance guarantee around 1000! There is basically no social security deduction, and seven loan tasks can't be completed in three months. The company forces you to sign a resignation agreement, and you are just a tool for the company.