What are the requirements for Ping An Bank loans?

Ping An Bank offers loans that require no mortgage or guarantee. Ping An Bank provides credit loan business, and credit loans are loans that can be applied for solely based on the creditworthiness of the borrower, and do not require the borrower to provide collateral or third-party guarantees.

Xinyidai is an unsecured and unsecured credit loan product launched by Ping An Bank. This product can be applied for with credit alone, with a loan limit of up to 500,000 yuan. It is mainly provided to salaried people (or self-employed people) with stable and continuous salary income and business income.

The new loan is mainly used for personal consumption (car purchase, decoration, travel, further education, weddings, medical care, etc.) and does not support house purchase and investment. If you want to apply for a new loan, you must first be between 23 and 55 years old; secondly, you must have a Ping An Bank branch in the city where you work and live; and you must have a stable and legal job and source of economic income; And personal credit must be good, with no bad credit records on the credit report.

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Submit the following information to the bank:

(1) Loan application approval form;

< p>(2) Valid identity document and copy;

(3) Proof of residential address (household register or receipts for rent, water, electricity, gas, etc. in the past three months);

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(4) Proof of occupation and income (original and copy of work certificate; salary passbook issued by bank, etc.);

(5) Effective contact information and telephone number;

< p>(6) Personal settlement account voucher opened at ICBC;

(7) Other information specified by the bank.

1. Women: 22-55 years old, men: 22-60 years old. The loan amount is 8,000 yuan to 300,000 yuan. Work in this unit for more than 3 months (the probation period has expired).

2. The monthly income before tax is more than 5,000 (if you have applied for a credit card in a bank and have a bank credit record, you can relax to a monthly income before tax of more than 3,000). Generally, if you meet the above conditions, you can get a loan amount It is 6-10 times your monthly salary.

3. Wages will be paid by card punch from the bank, not in cash.

4. Submit the salary slip printed by the salary bank and the work certificate from the employer.

5. Chinese citizens with full capacity for civil conduct and a second-generation ID card.

6. No bad credit record.

Extended information:

The loan application process of Ping An Bank is as follows:

1. Applicants need to open a loan repayment account at Ping An Bank.

2. The applicant then submits a loan application to the staff.

3. Ping An Bank conducts loan investigations on borrowers.

4. Ping An Bank reviewers review the loan information submitted by the borrower.

5. Ping An Bank branch will give the approval result for the loan application.

6. The applicant goes through the mortgage guarantee procedures.

7. Ping An Bank signs a loan contract with the applicant and issues the loan at the same time.

8. Ping An Bank completed the transfer of loan funds.

9. The applicant shall repay the principal and interest of the loan in accordance with the contract.

Baidu Encyclopedia-Ping An Bank Loan What are the requirements for an individual to obtain a Ping An Bank loan?

The conditions required for personal loans from Ping An Bank are relatively simple. You only need to meet the basic requirements, including being between 20 and 55 years old, having full capacity for civil conduct, and having a stable job. If you have a good credit report, you can apply for a Ping An Bank loan. If you meet these basic conditions, you can apply.