It is a credit loan product under Ping An Bank.

New loans are divided into:

1. The mortgage house (if the mortgage repayment method is equal principal and interest) can be used for monthly payment, and the mortgage repayment period is longer than 12.

2. Policy loans, which have been purchased for more than two years (three times a year and 24 times a month), and the insured who has not paid the fee in the middle has not changed, and 24 insurance companies are supported to apply for policies. 3 provident fund loans. The provident fund has not been interrupted during the deposit of the same unit for more than 2 years, and the interest will be lower than the policy loan and monthly payment.

From the interest rate point of view, this product is a repayment method with equal principal and interest, and the monthly interest is between 0.46% and 0.84%. Different customer groups and different credit conditions will approve different interest rates. There are two situations in which there is no penalty for prepayment. One is that small and micro business owners apply for repayment in advance after one year without penalty. 2. As the prepayment applied by office workers, the prepayment can be made one year later, and the penalty is 5% of the remaining principal. (Because sometimes there will be activities or the prepayment penalty can be exempted).

Ok: up to 500,000 yuan 1 hour loan.

Interest: 4.9% -8.5%

Repayment method: equal principal and interest

Term: 48 installments at the longest. Repayment can be made in advance after 12 installments without penalty interest.

Features:

No guarantee: no guarantee, only personal credit.

It's convenient to apply. Go to the bank 1 time and just sign a contract.

Commitment, within three working days, the fastest loan 1 day.

The application threshold is low, the monthly mortgage payment is more than 3 years, or the Ping An life insurance policy with a payment of more than 3 years (the non-Ping An policy needs to pay for more than 5 years), or the provident fund deposit base is greater than or equal to 4,000, which can be superimposed.

Credit request

First, the credit information is good, and there can be no current overdue.

Second, the number of small loans under an individual's name does not exceed two, and the single amount does not exceed 60,000. (Microfinance is not a small loan)

Third, the number of inquiries in the past two months is at most three times.

Fourth, there can be no car loan from Ping An Bank.

Information required for application

1, ID card, bank card, mobile phone number, bank card do not need rural credit cooperatives, and the four major banks are preferred.

2. Spouse's mobile phone number and the mobile phone numbers of two contacts, and there may be a return visit.

3. Loans of more than 300,000 yuan need work certificates, seals and use contracts, such as renovation contract.

What is the new generation loan of Ping An Bank?

Ping An Bank's new first loan is a credit loan issued by Ping An Bank to people with stable and sustained wage income. Its monthly salary income is used as the basis for judging the loan amount, and it is an unsecured RMB loan for personal consumption. The maximum loan amount is 500,000 yuan, which can be repaid in installments. There are three options for the loan term: 65,438+02 months, 24 months and 36 months.

The conditions for applying for a new loan are:

1, with an average income of more than 6,000 yuan for three consecutive months;

2. Chinese mainland residents who have reached the age of 25 and hold second-generation ID cards;

3. Have a stable occupation and work in the current employer for more than half a year.

The application materials are:

Id card, residence certificate, work certificate, loan use certificate, and payroll records for the last three months.

What kind of loan is Ping An New Generation?

1. Ping An New Loan is a pure credit guarantee loan. The applicant of Ping An New Loan determines the loan amount according to the applicant's income and issues the loan according to a certain proportion of the applicant's monthly income.

2. To apply for a new Ping An loan, the applicant is required to be at least 15 years old and have an average income of more than 6,000 yuan for three consecutive months; Be able to provide valid identity documents and have no criminal record; Have a stable job and work in the current unit for more than half a year. Only when these conditions are met can the application be successful.

3. Ping An Xinyi Loan is a credit-guaranteed loan, and there is no need to provide mortgage.

1. Application conditions:

23-55 years old living and working in the following areas (other areas are being developed one after another):

Beijing, Shanghai, Tianjin, Chongqing, Guangdong, Zhejiang, Liaoning, Sichuan, Hubei, Yunnan and Hainan.

The above provinces and cities will be provided with loan services by Shenzhen Development Bank, a subsidiary of Ping An Group.

Have a stable working income and a good credit record. The application procedure is simple and convenient:

Avoid cumbersome evaluation and guarantee procedures; There is no need to mortgage any asset certificate.

2. Only the following application materials are required:

Second-generation ID card, income certificate, work certificate and loan use certificate.

For wage earners, small and medium-sized business owners, individual industrial and commercial households and company partners who "pay wages on behalf of banks".

amount of loan

Ping An Bank will comprehensively determine the loan amount according to your income and credit status. Loan line1-500,000.

The intended use of the loan

This loan can be used for any reasonable personal or family consumption, such as car decoration, travel, marriage, further education, household appliances and other consumer needs. * Special instructions:

According to the relevant regulations of CBRC, loan funds shall not enter the securities market in any form or be used for equity investment, business activities prohibited or restricted by the state, real estate project development and individual house purchase (including down payment for house purchase).

3. Brand advantage

Unsecured

Without any mortgage or guarantee, your credit is the best loan pass.

Quick loan

The information is complete, and the loan can be released within 1 day at the earliest, and there is a unique remote approval mode, so that you can get an unsecured loan only by visiting 1 time.

long-term

You can freely choose the repayment period 12 months, 24 months, 36 months, up to 3 years.

Widely used

Car purchase, decoration, travel, further education, wedding, medical care and other unsecured loan purposes.

High loanable amount

The maximum loan is 500,000 yuan, and the loan amount is high to meet your numerous consumer needs.