Personal credit loan process of Ping An Bank

1. The borrower submits a loan application to Ping An Bank.

2. Ping An Bank accepts the application.

3. Ping An Bank approved the application materials.

4. After approval, sign a loan agreement.

5. Ping An Bank loan.

6. The borrower repays the loan on schedule.

Ping An Bank's personal credit loan interest rate: Ping An Bank's credit loan interest rate is different according to everyone's personal qualifications, and the interest rate obtained when applying for Ping An Bank's personal credit loan is also different. At present, the benchmark interest rate of the central bank is: the loan term is less than one year (including one year), the interest rate is 4.35%, the loan term is 1-5 years, the interest rate is 4.75%, and the loan term is more than five years.

First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:

1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's see how to operate a mortgage:

Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.

How about Ping An Bank's credit loan?

Ping An Bank's personal credit loan is quite good. Because Ping An Bank's personal credit loan does not need guarantee, the procedures are simple and the approval speed is fast, which is generally good.

To judge whether a credit loan is good or not, you can look at it this way. Applicable conditions: Different banks have different conditions for applying for loans, such as credit status, income and repayment ability. When a loan company applies for a loan, it mainly depends on its realization ability and personal reputation. Borrowers with debts can also borrow from banks or loan companies as long as they can provide relevant information. Comparing loan interest rates: Compared with credit loans, the risk is lower, and the loan interest rates in different regions of the same bank may be different. Comparison of approval speed: there are many bank processes and the approval time is long. It is possible to get a loan in about 20 working days at the earliest. The loan company has simple procedures and fast approval speed, and it takes 10 working days to obtain the loan. Compare loan lines.

Several common situations in which banks refuse loans;

1. Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting.

2. With the development of the Internet and big data, many people around you have started to borrow money online, some doing business and some supporting loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay it off in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. However, according to experience, 95% of banks will ask you to repay when you actually apply for a loan. After the mortgage is approved, it can be handled. Therefore, you must consult relevant questions before buying a house, because there are many cases of unclear settlement and check-out. (The above refers to the loan on credit reporting).

3. Consumer loans: refers to some loans, such as computer installment and mobile installment, which must be paid off first, regardless of the amount, especially for single customers.

4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan.

5. Is there a low-rent house or a special welfare house for a certain period (regional policy): Before buying a house, make sure whether there is a low-rent house under your own name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.

How to get a loan from Ping An Bank?

You can apply for self-service at Ping An Bank in official website. The specific method is as follows:

First, open Baidu search, enter "Ping An Bank" in the search bar, find Ping An Bank official website after the search and click Enter.

Second, after entering Ping An Bank official website, I found a "personal loan" under my personal business, and then I chose the specific loan type. Here, I take the new generation as an example.

Third, after entering a new loan, you can know the conditions of the loan and so on, and then click "Apply Now" to enter.

4. After entering the application interface, enter the corresponding information according to the system requirements, and then click Submit to complete the whole process of online loan application.

What is the telephone number of Ping An I loan manual customer service? How to contact human customer service?

Ping An I Loan is a personal consumption credit loan, which can be directly applied by means of mobile phone, official website and official WeChat account. There is no need to queue at the bank counter, which saves a lot of time. But there will be some problems in the process of loan. How to find customer service to solve the problem?

1, Ping An I Loan Telephone Customer Service

Customer service hotline:

According to the instructions of telephone customer service, press the button to connect to manual customer service.

2. Ping An I Loan WeChat Manual Customer Service

1) Enter "Ping An Pratt & Whitney" in the official WeChat account, and pay attention to the official WeChat account.

2) Click on the menu "Customer Service" and select My Loan Specialist.

3) To verify your identity, please enter your phone number and verification code.

4) You can find your own customer service and enter questions for dialogue.

Ping An Bank Provident Fund Credit Loan

Introduction of provident fund credit loan

1, the maximum loan amount is 500,000, and the initial loan amount is related to the user's qualification and reputation;

2. The term can be up to 4 years, and 12 months, 24 months, 36 months and 48 months can be selected at will;

3. Monthly loan interest rate:1.1%-1.53%. Interest rate is influenced by many factors, and the specific interest rate is subject to the displayed page.

Ping An Bank provident fund loan requirements are as follows:

1. The loan applicant is 23-55 years old and has full capacity for civil conduct and valid identification.

2. It is necessary to pay the provident fund continuously for more than 1 year, and the payment status of the provident fund is normal in the past year.

3 have a stable job and income, and the monthly income is more than twice the monthly repayment amount.

4. Have a good personal credit report and no bad records.

5. Other loan conditions that meet the requirements of the local housing provident fund center.

: precautions for loans

Quick loan: If you want to apply for this product, you'd better make sure the information is complete. The loan can be released as soon as 1 day after the application is submitted, and the unsecured loan can be obtained only by 1 visit.

Widely used: for personal consumption such as decoration, tourism, further study, wedding, and business such as purchasing, not for investment or gambling.

To apply for prepayment at Ping An Bank, the process is as follows: 1. To make an appointment by telephone, it is generally necessary to make an appointment with Ping An Bank at least one month in advance, understand the relevant requirements in this process, and prepare the liquidated damages for early repayment. 2. Fill in the application form, and after making an appointment for repayment, Ping An Bank will notify the outlets to fill in the application form and provide ID cards, loan contracts, etc. Waiting for bank approval. 3. After the approval, the bank will notify the relevant repayment procedures. You can go directly to the bank counter to repay the money after completing the formalities.

At present, banks can provide five ways to repay loans in advance for customers to choose from:

1. prepayment, that is, the customer pays off all the remaining loans at one time. (There is no need to repay the interest, but it will not be refunded if it is paid)

2. Some loans are repaid in advance, and the monthly repayment amount of the remaining loans remains unchanged, shortening the repayment period. (save more interest)

3. Partial prepayment, the monthly repayment amount of the remaining loan is reduced, and the repayment period remains unchanged. (Reduce the monthly payment burden, but less than the second type)

4. For partial prepayment, the monthly repayment amount of the remaining loans will be reduced and the repayment period will be shortened. (save more interest)

5. The total principal of the remaining loans remains unchanged, but the repayment period is shortened. (The monthly payment will increase and the interest will decrease, but it is relatively uneconomical.)