I. Application Conditions for Ping An Smart Loan
Ping An Smart Loan applicants are limited to 22-55 years old, natural persons with full capacity for civil conduct, with good credit information and a stable source of work and income. In addition, to apply for loans online, you generally need to fill in identity authentication, face recognition and so on. With the credit line, you need to provide the contact person, company information, address, etc. The specific operation is to download the registered account of Ping An Pocket Bank first, and then "Loan"-"My Loan" can complete the loan process according to the steps. All product audits are automatically approved by the system, so loans can be received quickly.
At present, the maximum loanable amount of Ping An Smart Loan is as high as 50,000 yuan, and the longest service period is 12 months. If the user applies for a loan with 8000 yuan 12 months, the first month needs to be repaid 10 16.88 yuan, and the remaining monthly repayment amount is 956.88 yuan. The loan interest applied for by Ping An Smart Loan is different, and the platform needs to be evaluated according to individual qualifications. The better the personal credit, the lower the loan interest.
Second, the influence of loans overdue:
First, late payment will affect personal credit. If a lender borrows money from a bank and fails to repay it within the time limit, his personal credit report will leave a bad credit record. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will cause many troubles to personal production and life.
Second, the most direct consequence of not paying back the credit loan is a high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure.
Third, in loans overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection systems. After the lender is overdue, the first-class collection will send you a text message and call for a reminder. If it is not returned for a long time, and the degree is serious, there will even be a collector to collect it in person. This overdue staff member should be prepared and try to pay off the money at the first time before solving it.
Fourth, if the loan is overdue for a long time and the amount is large, the lender may be sued by financial institutions. After the lawsuit is accepted, the assets of the lender may be sealed up after the court pronounced a sentence. This is the "repayment ruling" that the lender must execute, otherwise the court will seal up the property and other assets under your name according to law and repay the arrears with the proceeds from the auction.
Fifth, if the circumstances are serious, you may go to jail. Under normal circumstances, such incidents as borrowing money and not paying it back are civil disputes and will not rise to the criminal level. However, if some lenders refuse to implement it and insist on not paying it back, if the circumstances are serious or bad, the court will also investigate the criminal responsibility of the borrower according to the circumstances, and even go to jail if the circumstances are serious.