His relatives used a sum of money to support the IOU, indicating that the money was used to buy a house, but the IOU did not write down the time of return. At that time, it was verbally agreed (according to this, it should be returned in 2020), and the interest rate was commercial interest rate. Now that we have a baby and urgently need more spacious living space, we decided to replace the house. However, according to the law, all previous bank loans and personal debts should be paid off when houses are replaced.
2. What are the loan methods of Ping An Bank?
Ping An Bank has loans that need neither mortgage nor guarantee. Ping An Bank provides credit loan business. Credit loan is a loan that can be applied only by the borrower's reputation, and it does not require the borrower to provide collateral or third-party guarantee. Like Xinyi Loan, it is an unsecured and unsecured credit loan product launched by Ping An Bank. This product can be applied only by credit, and the loan amount is up to 500,000 yuan, which is mainly aimed at people with stable and continuous wage income and working-class (or self-employed) with operating income. The new loans are mainly used for personal consumption (car purchase, decoration, travel, further education, wedding, medical care, etc. ), and does not support the purchase and investment. If you want to apply for a new loan, you must first be between the ages of 23 and 55; Secondly, the city where you work and live should have the business outlets of Ping An Bank; Also, there must be a stable and legitimate source of work and economic income; Moreover, personal credit should be good, and there is no bad credit record on the credit report. Before, I also needed business turnover. I used several products. In fact, every small loan platform has an internal application entrance, with low interest, convenient payment and high quota! Scan the code below to enter the QR code!
3. 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 others to go to the customer service center for handling.
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
4. What are the loan methods of Ping An Bank?
I. What is the personal loan interest rate According to the law, it is agreed that the personal loan interest rate may be appropriately higher than the bank interest rate, but the maximum interest rate shall not exceed four times (including the interest rate) of the bank's similar loans. Otherwise, the excess interest will not be protected. Lending can be divided into interest-bearing lending and interest-free lending, in which the interest rate of production and operation lending between citizens can be appropriately higher than that of students. ...
"New loans" are aimed at individuals.
"Safe loan" is aimed at small business owners.