It's good. Convenient and quick. No mortgage, guarantee or anything. It is paid by people with stable and continuous wage income, and the loan amount is judged by their monthly wage income. If they have a good credit record, the loan is free. The specific operation is to fill in the application form online first, including name, mobile phone number, email address, city, average monthly income, employment and so on. After submitting the application, a professional agent will communicate with the customer. Please fax or email the application form, ID card, work certificate, income certificate, loan purpose commitment letter and copy of Ping An Bank debit card to Ping An Bank. Finally, the customer comes to the door to submit relevant information, and Ping An Bank issues loans to the customer after passing the examination. /Hui You/New Generation. S
Second, how to borrow the Ping An policy?
Ping An Insurance Loan Method:
During the validity period of the main insurance contract, you can apply for a policy loan with the maximum amount of 80% of the cash value of the policy at that time with the consent of the company. You can borrow money through this project if necessary.
Customers go to the customer service center to consult the customer service center of China Ping An Life Insurance Company of China Insurance Company and the cooperative bank, and make an appointment to go to the counter.
Documents to be prepared:
When the applicant and the insured are the same person:
Application for change of insurance contract (policy loan/repayment)
Identity documents of the insured.
A current settlement account with the applicant as the account name.
When the applicant and the insured are different persons:
Application for change of insurance contract (policy loan/repayment) (if the insured is not authorized, the insured must sign it)
Identity documents of the insured.
A current settlement account with the applicant as the account name.
The identity certificate of the insured
The customer entrusts a salesman or other person to handle it at the customer service center.
Documents to be prepared:
When the applicant and the insured are the same person:
Application for change of insurance contract (policy loan/repayment)
certificate of appointment
Identity documents of the insured.
Agent's ID card
A current settlement account with the applicant as the account name.
When the applicant and the insured are different persons:
Application for change of insurance contract (policy loan/repayment) (if the insured is not authorized, the insured must sign it)
certificate of appointment
Identity documents of the insured.
The identity certificate of the insured
Agent's ID card
A current settlement account with the applicant as the account name.
Expand knowledge:
applicant
Policy-holder (if the policy-holder and the insured are not the same person and the insured is not authorized, the insured must authorize)
Acceptance time
Within the validity period of the policy
Important note:
1. If the insured has authorized it, there is no need to authorize it again;
2. When entrusting a salesman, the trustee is limited to the service personnel of any valid policy under the customer's name;
3. When entrusting others, the trustee is limited to the applicant's parents, spouse, children and other immediate family members.
List of interest rates for policy loans and self-raised funds
3. What is the loan process of Ping An Bank?
First, apply for a loan. You need to apply directly to the agency of the host bank or other banks. During the application process, you fill in the loan application form, provide basic information about yourself and the guarantor, and relevant documents that need to be produced according to the requirements of the bank, such as ID card, real estate license, academic certificate, etc. Then, the bank will evaluate your credit rating according to your application. Among them, the reference factors are: economic strength, capital structure, personal credit record in the bank, etc. After the evaluation, the bank will also conduct a preliminary loan investigation on you, verify the collateral and guarantor, and determine the risk of the loan. Second, you can wait for the loan approval. After the bank informs you that you are qualified, you need to sign a loan contract with you. When signing a loan contract, you need to fill in the agreed loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liability for breach of contract and other matters that both parties think need to be agreed. Finally, you wait for the loan to be issued.
4. Is the loan from Ping An Bank easy to handle? What loan process is needed?
The loan of Ping An Bank is mainly divided into the following steps: Step one, the applicant submits the application materials, loan application form and power of attorney to Ping An. The required information includes: 1, copies of ID cards of the principal lender and spouse; 2. Copies of the household registration book of the principal lender and spouse (copies 1, 2 and 3 must be available); 3. Copy of marriage certificate, original single certificate, divorce certificate and copy of divorce agreement or judgment; 4. Original personal income certificate of the principal lender and spouse (valid with the official seal of the unit); 5. Copy of real estate license (real estate license, purchase contract and invoice, pre-sale contract and invoice); 6. The original bill of recent hydropower and coal (you can choose one of the three payment documents); 7. Copy of the main lender's driver's license (approved by the driver's license bank of himself or his immediate family); 8. Asset certificate: (1) salary details corresponding to income certificate (bank card details or tax bill in the last 3 months); (2) the deposit details of the principal lender or spouse and the certificate of stock fund policy; (3) proof of property rights or rental income of multiple houses; (4) Work permit or badge (provide copies of various asset certification materials to facilitate the efficiency of bank audit).
Step 2: safely accept the information submitted by the applicant and reply to the applicant within 2-3 working days;
The third step is to safely review the applicant's information, and after passing it, sign a loan contract with the applicant and go through the relevant notarization procedures; Step 4: 1-2 working days for safe lending;
Step 5, the borrower repays the loan on schedule according to the repayment method signed with Ping An;
Step six, the borrower pays off the loan and cancels the relationship with Ping An.
Hello, the success of Ping An Bank's loan application depends on the borrower's own conditions and the specific requirements of the loan application:
1. China citizens with full civil capacity are between 18 (inclusive) and 60 (inclusive).
2. Have a legal and useful identity certificate and a household registration certificate (or a useful residence certificate) where the loan bank is located.
3 have a stable source of income and the ability to repay the principal and interest of the loan in full and on time.
4. Have a good credit record and willingness to repay, without any illegal acts and bad records.