Ping An Decoration Loan _ Decoration loan conditions 1. Age 25 to 55 years old. 2. The average monthly income is _3,000 yuan, and the average monthly income in Beijing, Shenzhen, Guangzhou, Shanghai, and Hangzhou is _4,000 yuan. 3. Have a stable job. The salaried person has been working in the current unit for 3 consecutive months. Some customers require 6 months. 4. Live and work in the following areas (other areas are under development): Beijing, Shanghai, Tianjin, Chongqing, Guangdong, Zhejiang, Fujian, Jiangsu, Shandong, Liaoning, Sichuan, Hubei, Yunnan, Hainan. Note: In some of the above provinces and cities, loan services will be provided by Shenzhen Development Bank, a subsidiary of Ping An Group. 5. Chinese citizens with full capacity for civil conduct and a second-generation ID card. 6. No bad credit record. _ Decoration loan materials 1. Ping An New Loan Application Form. 2. The ID card must be a second-generation ID card. Please copy the front and back sides onto the same A4 paper. 3. Work certificate: Work certificate issued by the unit within the past month (stamped with the official seal of the unit/personnel department seal) or labor contract (indicate the contact person and phone number of the Ministry of Human Resources). This certificate must be able to reflect the continuous working hours of the current unit. Less than 3 months (some customers require no less than 6 months), subject to the time recorded in the certificate. 4. Income certification standard Salaried customers need to provide bank salary slips in their own name for the past 6 months; if the work certificates of outstanding professional customers and Ping An Group employees have income statements, they can use this certificate instead of bank salary slips, but with Except for those where sales commission is the main source of income. 5. Loan purpose commitment letter 6. Copy of Ping An Bank debit card Please copy the front and back sides onto the same A4 paper and write the card number in the blank space. _ Renovation loan repayment 1. How to repay When applying for a loan, you need to provide a Ping An Bank debit card as a special loan settlement account. Subsequent loan disbursement and repayment will be carried out in this account. 2. Repayment method A. Fixed monthly repayment Xinyi Loan is a monthly repayment of principal and interest, with a fixed monthly repayment amount. (Salaried person). B. "Low loan" repayment Xinyidai provides a special "low loan" repayment method. The repayment period is 12 months. The first 11 months are amortized based on monthly principal and interest. The monthly repayment amount is based on the principal and interest over a three-year period. The amortization method is calculated, and the remaining loan principal and interest are repaid in the last month. Less repayment pressure, making your capital turnover more efficient. 3. Repayment Period Ping An Decoration Loan provides up to 4 different repayment periods for you to choose from: 12 periods, 18 periods, 24 periods, and 36 periods. You can freely choose the suitable period according to your own situation.