Ping An Pratt & Whitney I has a low loan threshold, no mortgage, no materials and no door-to-door; Therefore, there are fewer application conditions.
1, my application (with face recognition);
2. Bind my bank card;
3. Use my ID card to handle the mobile phone number, which must be real name;
4.23 years old and above.
Extended data:
1. Calculation of loan cost; Interest is calculated according to the actual borrowing days. Daily cost = remaining repayment principal * daily interest rate. For example, your daily interest rate is 0.05%, and you borrow 10000 yuan. 5 yuan = (10000 * 0.05%) for the first phase; When you repay the principal of 500 yuan, the daily fee is 4.75 yuan (9500*0.05%), and so on (there is no upfront fee, and there is no penalty for prepayment).
I loan is a revolving loan product. Within the credit line, as long as the repayment is normal, you can borrow indefinitely, and it will not change because of the different loan amount. There is no limit to the number of times of borrowing, but the maximum number of outstanding loans can only be 10.
What are the conditions for Ping An I loan?
I. Application conditions for Ping An I loan:
1. The applicant has reached the age of 18 and is a citizen of Chinese mainland.
2. China citizens who have permanent residence in China and permanent residence in local towns and have full capacity for civil conduct.
3. Have a legitimate and good occupation, a stable economic income, and the ability to repay the principal and interest of the loan on schedule.
4. Abide by laws and regulations, and have no illegal acts and bad credit records.
5. Obtained a personal credit rating above Grade A in China Industrial and Commercial Bank.
6. Open a personal settlement account in China Industrial and Commercial Bank.
Two. The borrower shall submit the following information to the bank:
1, loan application approval form.
2. A copy of my valid ID card.
3. Proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the last three months).
4. Original and photocopy of occupation and income certificate (work certificate, bank payroll passbook, etc.). ).
5. Effective contact information and telephone number.
Extended data:
Ping An I Loan has a fixed repayment period every month. If it is overdue, it will be reported to the credit information system. Once the credit information system has an impact, it will be difficult to borrow money in the future. Not only that, it will also cause very serious penalty interest. In fact, the penalty interest of Ping An I loan is very high, usually 30% on the basis of daily interest rate.
In the worst case, your personal information will be blacklisted for dishonesty. Not only can you not enjoy any financial services, but your daily consumption will also be restricted. You can't take high-end travel tools, such as airplanes and high-speed trains. What's more, it will also affect your children's attendance at key schools.
Can I apply for a Ping An loan without a credit card?
Ping An HP I Loan is a very popular mobile phone loan product with a maximum amount of 30,000 yuan. Many small partners have applied for Ping An Credit Card, which can be used for credit card repayment. Some users are also consulting. If you don't have a Ping An credit card, you can apply for a Ping An I loan. This involves the application method of Ping An I loan, so I'd like to give you a general introduction.
Ping An I Loan is a mobile phone loan product. As long as you scan and download the APP and submit your ID number and mobile phone number, you can apply for a loan. You don't need a Ping An credit card in this step. You can apply by binding a debit card supported by Ping An I Loan.
Which banks' debit cards does Ping An I Loan support?
Support agriculture, Bank of China, construction, Everbright, Xingye, CITIC, people's livelihood, Huaxia, industry and commerce, Ping 'an, Postal Savings, Shanghai and Pudong.
Small partners who have the above bank savings cards can apply with confidence, and after the approval, they will deposit the money directly into your bound debit card.
So if you don't have a Ping An credit card, you can apply for Ping An I loan. What are the application conditions?
1, age requirement, must be at least 18 years old.
2. I applied because of the face recognition function.
3. Use my ID card to handle the mobile phone number.
Because Ping An I Loan is a credit report, users with serious overdue records may be rejected. In addition, the application conditions are still very loose, and most people can handle it.
Warm reminder: the daily quota of Ping An I loan is limited, so let's get it done first. Remember to catch up early!
Borrow money online and receive it in real time. Ping An Easy Loan I borrow money for 5 minutes.
What is my loan?
Ping An Easy Loan Small Loan Product "My Loan" can be received in real time only by users downloading the "My Loan" mobile app, which is one of the fastest ways for mobile phones to borrow money online.
Applying for a loan on Ping 'an Easy Loan App requires six steps: registration, clicking Apply, credit authorization, binding bank cards, binding online accounts, adding contacts, and finally confirming to wait for background review and lending. According to the actual measurement, on Ping An Easy Loan Platform, the whole application operation takes about 5 minutes from the beginning of registration, filling in personal data to the final confirmation of loan information.
You need to bind the bank card before borrowing money.
"My loan" can use the mobile phone number to obtain the verification code registration. If you want a loan, you need to add your name and ID information. Fill in the personal information, click Apply for Loan, and confirm that you agree to Ping An Easy Loan to inquire about personal credit. After that, users need to bind their bank cards to make loans. After adding information such as card number, the initial loan amount will be displayed.
The limit shall not exceed 65,438 yuan+0,000 yuan.
The actual loan amount of Ping An Easy Loan "My Loan" products is generally less than 1 000 yuan, which is obviously cautious. Customers can flexibly choose different repayment time and repayment methods according to their actual situation, which greatly facilitates lenders.
My loan amount can be increased.
It is worth mentioning that users can also "upgrade" the quota by binding online accounts such as Weibo, JD.COM, Store 1. Moreover, the more friends a borrower has, the more times he borrows, and the higher his credit rating. In this regard, some insiders said that Ping An Easy Loan uses big data technology to retrieve and analyze Internet data, evaluate risks, and complete the audit at "second speed", realizing the electronization, intelligence and mobility of loans.