Cars with more than 600,000 kilometers and more than 150,000 kilometers can generally apply for a Ping An Haodao car owner loan.

Ping An Bank has a product called Car Owner Loan. The official claims that it can lend up to 150,000 yuan, and the loan can be issued as quickly as 30 minutes. There is no need to pledge the car, and it is relatively easy to get approval.

1. Ping An Hao Car Loan Application Conditions

1. Exclusive for auto insurance customers, suitable for customers who do not have a car loan. Apply for auto insurance from Ping An Bank over the phone, and you will receive a follow-up payment from Ping An Bank. Send SMS invitation and then download the mobile APP to apply.

2. There is no need to escrow the car. You only need to submit your ID card information, driver's license, and car insurance policy.

3. The application threshold is low.

1) Income requirements, office workers with a monthly salary of more than 3,000 yuan can apply.

2) Permanent residents who have lived in the local area for more than half a year.

3) The borrower must be the car owner himself, and there is no loan for the vehicle.

4) Ping An Auto Insurance is within the validity period.

5) Low-priced cars, cars under 100,000 yuan can apply, and there is no limit on the vehicle price.

6) You can apply for foreign license plates.

7) Applications for operating passenger cars are temporarily unavailable.

2. The following conditions must be met to purchase a car through loan installments:

1. Aged between 18 and 60 years old.

2. Have the ability to repay principal and interest, a fixed source of income, and the monthly payment amount shall not exceed 60% of the total disposable income of the family.

3. Have a third-party natural person provide guarantee for the repayment of the principal and interest of the loan (husbands and wives are not allowed to guarantee each other).

4. During the loan period, you must purchase "Motor Vehicle Consumption Loan Guarantee Insurance" once and continuously purchase "Motor Vehicle Insurance" from an insurance company recognized by the bank.

Although loan installments provide convenience for us to buy a car and reduce our financial burden, we still need to stay sensible and not spend too much.

The loan amount has a lot to do with personal qualifications. If the personal qualifications are not particularly good, it will be difficult to get a large credit loan, so if you choose a larger amount, a mortgage loan is good. It’s your choice. Car owner loan is a type of mortgage loan. There are many platforms that can handle this business. Different platforms have different application conditions. For example, Ping An Puhui car owner loan is affiliated to Ping An Bank.