It is an unsecured loan with an annual premium of more than 3 times. ? Personal credit loan is a fashionable loan method. Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use. Personal credit status is good;

There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank.

Extended data

1. The annual interest rate of RMB loan benchmark interest rate does not fluctuate by more than 3%. According to the current situation, it is generally floating, which can reach the annual loan interest rate of 7% to 9%. The term of RMB loans shall be determined by commercial banks according to the risk control requirements.

2. The annual interest rate of Hong Kong dollar loans shall be determined by the bank according to the regulations of Hong Kong. The annual interest rate of the loan is between 3% and 4%, and the loan interest rate is half lower than that of RMB loans. The difference between Hong Kong dollar loans and RMB loans, calculated with the same loan value of RMB 6,543,800+0,000, can save 30,000-40,000 yuan of bank loan interest a year, which is a good choice for entrepreneurs.

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