There are many kinds of Ping An Pratt & Whitney loans:
I. Owner's loan
1. Mortgaged car (ID card, driving license, commercial insurance policy)
2. The whole vehicle (ID card, driving license, vehicle registration certificate, commercial insurance policy)
Compulsory insurance and commercial insurance must be bought (no matter which one you buy), and you can't change hands more than twice!
The line is 2- 1.5 million yuan, the age is 2 1-55 years old, and the interest rate is 0.72- 1.69. The specific limit and interest are approved by the Head Office!
Second, the owner's loan.
1, mortgage the house (ID card, house purchase contract, work certificate, bank running water), mortgage for 3 months, and you can open the area!
The age is 2 1-55 years old, the quota is 2- 1.5 million, and the interest rate is between 0.72- 1.69. The specific limit and interest are approved by the Head Office!
Third, excellent mortgage.
If the commercial housing is mortgaged for more than one year, a copy of the real estate license can be provided.
Interest rate: 0.72- 1.3.
Amount: 300,000 to 500,000.
Age: 23-55 years old
Required information: copy of ID card and real estate license (private owners need to have a license for one year and provide a license)
Four. Life insurance loan 2.0
Amount: 300,000-500,000, with a maximum of 3 policies superimposed, and the loanable premium 10-30 times a year, with a maximum of 500,000.
Interest rate: 0.72- 1.69. It is related to personal credit information and the effective time of insurance. Generally, if the insurance has been in effect for two years (the premium has been paid more than three times), most of them are within 1.2.
Pay at least 2400 yuan a year.
Age: 23-55 years old
Required information: ID card, insurance policy (private owners need to obtain the license for one year and provide the license)
Verb (abbreviation of verb) simple houses loan
Interest rate: 0.83+3
Line:15 ——150,000 (one credit, five-year cycle, and the interest for the second use will be reduced to 6.6%).
Age: 25-55 years old
Credit requirement: it can be a blank account, but it cannot accept bad debts and overdue customers in the current period.
Property type: commercial house. The house age is not more than 30 years, the real estate value is more than or equal to 300,000, the only housing mortgage is accepted, and the real estate license has been held for 6 months.
Region: provincial capitals and some second-tier cities in China.
Regarding repayment and charges:
1, equal repayment of principal and interest is the only way)
2. All products are signed for three years (the longest can only be used for three years), and the loan can be settled in one lump sum at any time after one month.
3. Because the amount and interest of Ping An Pratt & Whitney are uncertain before approval, you can approve the flat loan first, and you can sign the contract according to the actual amount and interest approved. If you consider the low degree or high interest, you don't need to sign a contract!
4. If the loan is successful, the company will charge a one-time handling fee of 3.25% of the loan amount (if the loan is overcharged or charged repeatedly, please pay attention to identifying whether the person who lent you the loan is a safe staff member! ), no other fees (3% handling fee is not charged for IPO loans)
In addition to the above products, Ping An Pratt & Whitney also has I loans and POS loans. I loan is estimated that many people have applied for it, so I won't talk about it, but note that this loan is only for very small loan users, with a maximum interest of 30 thousand. Pay attention to it and consider whether you can accept it when you apply! POS loan is a merchant loan. A regular bank POS machine has been installed, and it can be applied after being installed for half a year and running for more than 2 weeks every month.
Now Ping An has opened an online loan channel, and customers can get everything from application to video interview through Ping An's online channel without leaving home! Distinguishing each product is not so detailed. Customers only need to go to the application interface and add personal asset certificates (house, car, life insurance), and the system will automatically give the quota. Generally speaking, it is more convenient.