Ping An Bank is a famous commercial bank with many credit products. Today, we will introduce these three different types of loans. You can choose freely according to your own needs. The specific application conditions shall be subject to the regulations of the local bank.
1, new loan
Ping An Bank's small loan slot is characterized by fast payment, no mortgage and no guarantee, and the line can be recycled. As long as the personal reputation is good, you can lend it out after repayment. The term is flexible and can be borrowed for several years.
Application conditions:
1) has full capacity for civil conduct and holds a second-generation ID card.
2) The age is 23 years old (inclusive) to 55 years old (inclusive)
3) You can apply for monthly insurance, pay the provident fund continuously, and have stable mortgage repayment ability.
2. Electronic House Pass
The credit line is relatively high, with the highest mortgage consumption of 3 million yuan and the highest operation of 5 million yuan, which can meet various needs such as consumption and operation. The credit line can be recycled, borrowed and repaid. Online application is simple, the process is convenient, and equal principal and interest are supported. Average capital, interest first, capital later, step by step.
Application conditions:
1) Age: The borrower is female under 55 years old and male under 60 years old.
2) Borrower's age and loan term 3) House age: within 25 years.
4) Property nature: houses and villas, 70-year-old residential apartments.
5) Debt requirement: The debt ratio shall not exceed 75%. Of course, some credit cards can be repaid after users with higher debts enter the system.
3. Owner's loan
If the car loan amount is relatively high, the amount is as high as 500,000, and the annual interest rate is as low as 10.8%, which is lower than the private car loan interest rate. As long as the borrower's information is complete, the loan can be released within 1 day at the earliest, and GPS can be omitted.
Application conditions:
1)22-60 years old, with stable income.
2) In my name, I am currently handling unsecured vehicles.
3) The vehicle purchase period shall not exceed 65,438+00 years (subject to the date of first license), the mileage shall not exceed 65,438+05,000 kilometers, and the vehicle evaluation value shall be above 50,000.
What kinds of loans does Ping An Bank have? There are mainly these!
Modern people often face the problem of lack of money. Choosing a bank loan is a good decision. Ping An Bank has many loan products. Today, this article will take stock of some common ones, mainly these two. Users who need loans can learn about it, which is suitable for users with stable income.
What kinds of loans does Ping An Bank have?
1, new loan
This product is a business promoted by Ping An Bank, and the quota can be used for car purchase, decoration, medical treatment, travel, marriage and so on. The characteristic is that you don't need mortgage guarantee. It is best to apply for a loan with assets, and the amount will be higher. As long as the application materials are complete, the same-day loan can be realized and the user's fund problem can be solved quickly, which will not exceed 3 working days at the latest.
Loan amount: 30,000 ~ 50,000, loan term12,24,36 months.
Application method: You can submit the application online, and then handle the business offline. You need to sign a contract before you can lend money.
Application conditions:
Have full capacity for civil conduct and hold a second-generation ID card.
Age 23 years old (inclusive) ~55 years old (inclusive).
You can apply for monthly insurance, pay the provident fund continuously, and have stable mortgage repayment ability.
2. Housing e-loan
The mortgage loan specially provided for users with houses has a maximum amount of 500,000 yuan. The main feature of this product is low interest. The official claims that the minimum annual fee is 30 minutes, which is suitable for users who need money badly. The repayment period is very long, and the borrower can choose freely according to the situation.
Application conditions:
Nationality: People's Republic of China (PRC) nationality is a must.
Age: 2 1-55 years old (borrower) 18-50 years old (property owner)
Personal credit: no bad debts or serious historical expectations.
Relationship: The borrower must be one of the owners.
Property: Only apartments worth more than 300,000 are accepted.
Hold for more than 6 months.
Materials: bank card, household registration book, ID card and title certificate.
The above is the relevant content of Ping An Bank loan. Ping An Bank has many high-quality loan products, so you can go to the bank directly if necessary.
What kind of loan is Ping An New Generation?
1. Ping An New Generation is a pure credit product of Ping An Bank. The maximum loan amount is 500,000, which can be repaid in installments. The loan term is 12 months, 24 months and 36 months. Ping An Bank's new loan is an unsecured and unsecured credit loan issued to working people or business people, which can be used for daily consumption and operation, but not for buying houses. As long as users have a stable income and can repay on time, customers aged 23-55 can apply.
2. Ping An New Generation is the loan business of Ping An Bank, a national joint-stock commercial bank. The headquarters of this bank is located in Shenzhen. Ping An Bank is a bank approved by the State Council Banking Regulatory Authority. Therefore, Ping An Bank is a formal commercial bank, and its new generation is also a formal loan product. Ping An Xinyi Loan is a pure credit product, which is mainly distributed to people with stable and sustained wage income. It is very suitable for young consumers and industrial and commercial owners who have no car or house and cannot provide mortgage guarantee. Usually, the monthly salary income is used as the basis for judging the loan amount, and different users get different credit lines when borrowing.
3. The maximum credit line of Ping An Xinyi Loan is 500,000. When borrowing money, users can choose different repayment periods, such as 65,438+02 months, 24 months and 36 months, which are usually determined according to their own income. The money borrowed through loans can be used for personal consumption loans and decoration loans.
Money, business loans, travel loans, etc. Users should pay attention to the loan interest rate when handling loans, because the interest rate will affect the subsequent repayment. If the loan interest rate is high, the burden of subsequent repayment will be heavier, and it is easy to overdue repayment, because there will be penalty interest after overdue repayment. The longer the time, the more penalty interest. It should be noted that Ping An Xinyi loans overdue's repayment was collected at the meeting. After the credit information becomes worse, it will affect the subsequent handling of various loans, such as car loans and mortgages. Moreover, after the overdue debt is returned, it will continue to remain in the credit information for 5 years, disappear automatically after 5 years, and will never be recorded in the credit information.
Let's stop here for the introduction of Ping An loan products.