Application process:
(1) Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information; (2) Provide stable address, housing lease contract, utilities, property management and other related information;
(3) provide a stable source of income, bank running list, labor contract, etc.
However, it will take a lot of time to follow this process. Ping An Bank can directly fill in the new loan application form online, with professional customer service to provide consultation, which can reduce a lot of time, and is simple and convenient.
Loan channel:
With the development of the times and the prosperity of the financial market, many non-bank channels have also carried out unsecured loan business, among which private lending accounts for a large proportion.
In the private lending market, microfinance companies and P2P peer-to-peer lending platforms account for most of unsecured loans, and P2P peer-to-peer lending has become the latest and hottest channel for unsecured loans. Since the rise of P2P in China in 2009, P2P has gradually been familiar and recognized by the general public.
P2p lending is the abbreviation of peer to peer lending. Peer refers to individuals, and P2P lending refers to person-to-person lending. In the process of lending, information, funds, contracts and procedures are all realized through the network. It is a new financial model developed with the development of internet and the rise of private lending, and it is also the development trend of financial services in the future.
With the development and progress of the whole P2P industry, domestic P2P enterprises are gradually showing different development directions and trends. For those who need to borrow money, we should also distinguish between authenticity and falsehood, and don't be deceived. When looking for related enterprises, we should pay attention to the following questions:
1. Enterprise establishment period: The enterprise whose establishment period is less than half a year or even one year, because of its short establishment period, its reliability is not reflected.
2. Is there an upfront fee? If you charge first and then borrow money, it must be irregular behavior.
3. Whether the interest rate is up to standard: According to relevant requirements, the interest rate of private lending shall not exceed 4 times of the bank's interest rate in the same period, which is not protected by law.
Borrowers can find a suitable P2P platform according to these conditions. At present, well-known domestic enterprises include Nuo Nuo Pounder, CreditEase, Paipai Loan, etc. Among them, the interest rate in Pounder, Nuo Nuo is relatively low and the service attitude is good. CreditEase adopts a pure offline business model, and its creditor's rights transfer method has certain risks; The amount of the loan is very small. If the quantity required is not large, it can be considered.