Will call to verify the information. It is understood that the contact person will not be called when applying for Ping An smart loan review. However, applicants are usually called to verify the information. For example, whether the telephone number of the application is my own, the loan amount, the loan term, the company and address of the lender.

Generally speaking, the reason why Ping An Smart Loan needs to get a contact person is to prevent the borrower from overdue or refusing to repay the loan. Once the lender fails to repay the loan within the time limit, Ping An Bank will call the contact person and ask them to urge the lender to repay the loan.

First, is the interest on Ping An policy loan high?

1, the loan interest rate of Ping An policy loans generally has little change with the benchmark interest rate of bank loans, and both of them change on the basis of LPR interest rate. According to different insurance companies and insurance products, there will be a certain range of fluctuations, and the maximum will not exceed 36% of the LPR interest rate. Generally speaking, the domestic policy loan interest rate is around 5%, and the Ping An policy loan interest rate is generally between 4.5% and 6%. Therefore, the interest of Ping An policy loan is not high, which belongs to the general stage.

2. Policy loans are very fast in obtaining funds and the procedures are relatively convenient, generally within 10 working days. The amount that the borrower can borrow also depends on the insurance product, which is generally 70%-80% of the value of the insurance product. Ping An policy loan application process: you can apply through the counter of insurance company outlets, call customer service directly, or apply online through Ping An Pocket Bank APP and Ping An Golden Butler APP. Take Ping Guanjia as an example. The borrower logs in to Ping An Anjin Butler APP and finds the "policy treasure". After entering, he provided information according to the requirements of the page, ensured that the information was correct, and submitted the application.

Second, Ping An policy loan application conditions:

After paying the premium in full for one or two years, the borrower can apply for a policy loan when it needs to accumulate the policy value reserve. The policies that can apply for loans include whole life insurance, savings insurance and other main contracts; Others such as health insurance, cancer insurance, accident insurance, etc.