The loan application process of Ping An Bank is roughly as follows. Please click on the name of the loan product in official website, the flagship store of Ping An Finance.
How to get a loan from Ping An Bank
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If it is a commercial loan, you can see it in the column of application conditions after clicking enter. China citizens who need to hold a second-generation ID card must be between 25 and 55 years old and have a good credit record. You can choose one of monthly contribution, provident fund, tax bill and life insurance policy.
How to get a loan from Ping An Bank
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The column of reserve fund information corresponding to loan products is clearly marked with reserve fund information. For example, the materials to be prepared for operating a loan are the second-generation ID card and business license.
How to get a loan from Ping An Bank
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Apply. If the above conditions are met, prepare the required materials, click Apply Now, follow the system prompts, fill in the contents and submit them, and the bank account manager will take the initiative to contact the corresponding personnel, and then submit the materials to the corresponding personnel.
Before, I also needed business turnover. I have used several small loan products. In fact, every small loan platform has an internal application entrance, with low interest, convenient payment and high quota! Scan the code below to enter the QR code!
How to apply for an unsecured loan?
1, age: 25-55 years old, China citizen with full capacity for civil conduct and second-generation ID card;
2. Income: I have worked continuously in my current unit for at least 3 months (6 months for some people), and my average monthly income for half a year is not less than 3,000 yuan, and some cities (Shenzhen, Guangzhou, Shanghai and Hangzhou) are not less than 4,000 yuan.
3, credit requirements: you must have a credit record, used a credit card, made a mortgage, car loan, or helped people make a guarantee.
4. This business has been opened in Shenzhen, Guangzhou, Shanghai, Hangzhou, Fuzhou, Xiamen, Quanzhou, Dongguan, Huizhou and Zhongshan.
5, the crowd, people with stable and sustained wage income, individual industrial and commercial households and business owners can also.
Materials for handling Ping 'an unsecured loan: ID card (second-generation ID card), proof of residence (rental: lease agreement or temporary residence permit, self-owned property: real estate license+household registration book), work certificate, proof of loan use, and bank payroll records for the past 6 months.
Extended data:
Matters needing attention
1, Ping An Easy Loan Insurance has low insurance conditions, and all China citizens with stable jobs and incomes can apply for it. In terms of cost, Ping An Property & Casualty charges a certain credit guarantee premium. Take the loan of 1 year of 10000 yuan as an example, the premium needs 2 100 yuan (the premium is calculated at 2.6% per month), but the repayment method of Ping An Easy Loan is equal repayment of principal and interest per month.
2. The repayment method is based on the number of repayment periods selected by the applicant, once a month. Yes, 1 year, 2 years. Based on the loan date, the repayment date is the same day of each month during the repayment period, and the bank will automatically deduct the repayment amount from the bank card of the loan. Before the repayment date, SMS will remind you of the monthly repayment amount.
How to borrow from Ping An Bank to unsecured small loans? How to calculate the loan interest of Ping An Bank?
Among all commercial banks, Ping An Bank is very large and has many credit products. Therefore, many borrowers will give priority to Ping An Bank when applying for loans. Many borrowers have consulted about how to get unsecured micro-loans from Ping An Bank. How to calculate the loan interest of Ping An Bank? Let's get to know each other!
How to borrow from Ping An Bank to unsecured small loans?
First of all, borrowers need to meet the threshold of applying for unsecured micro-loans from Ping An Bank: unsecured micro-loans from Ping An Bank; Having worked in the current unit for 6 months continuously, the average monthly income of income and occupational stability is above 4,000; Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; Provide stable proof of income source, bank statement, labor contract, etc.
After reaching the threshold of applying for a loan, the borrower can bring relevant information to the offline outlets of Ping An Bank and fill out the loan application form. You can also download Ping An Bank Mobile Banking APP directly, then log in and register, and then click "I want a loan" to choose the appropriate online microfinance products according to your loan needs.
Ping An Bank has many unsecured microfinance products, such as "secured" for mortgage customers and "provident fund loans" for provident fund depositors. I suggest that you choose loans according to your personal needs, don't blindly lend, and maintain good repayment habits.
How to calculate the loan interest of Ping An Bank?
Ping An Bank implemented the benchmark interest rate of commercial loans for personal unsecured micro loans. Generally, it will fluctuate 10% on the basis of LPR interest rate, and then fluctuate 15%-24% according to the borrower's comprehensive qualification, and there will be no other charging services.
The above is the related content sharing of "How to borrow from Ping An Bank to unsecured micro-loans", hoping to help everyone!