This product repays the principal in equal amount every month, but the monthly interest is really repaid according to the initial loan amount, so it is not really equal principal and interest, which is easy to be confused. "New One Loan" is a large credit loan under Ping An Bank, with the amount ranging from 65,438+0,000 to 500,000. Products include monthly loan, policy loan, provident fund loan and social security loan, and the comprehensive annualized interest rate is between 1.3%-20%.
In short, this loan product has two pits. One pit is that the loan principal is decreasing, but the base for calculating interest has remained unchanged, resulting in higher interest in the future; The second pit is that you have to pay in advance. Sorry, I have to charge you 5% management fee.
Application conditions for new loans:
1, the age of application is 25-55 years old, and he has worked continuously in the current unit for 6 months;
2. The average monthly income in the last six months is not less than 3,000 yuan, and some cities (Shenzhen, Guangzhou, Shanghai and Hangzhou) are not less than 4,000 yuan;
3. Have a legal and stable source of income and the ability to repay loans;
4. Personal credit record is good, and there is no overdue loan record;
5. Meet other loan conditions of Ping An Bank.
How much is the new loan:
The maximum loan amount is 500,000 yuan, and the loan period can be 12 months, 24 months and 36 months, and the longest service life can reach 3 years. Without mortgage and guarantee, you can get a certain amount of loans with personal credit. The loan covers car purchase, decoration, travel, further education, wedding, medical care and so on. To meet the loan needs of many people.
What is the difference between Ping An Bank and Ping An Puhui? Ping An Bank's new loan interest is low, but the handling process is cumbersome, but Ping An Pratt & Whitney is simpler and the loan is relatively fast.
Ping An Xinyi Loan is a loan product of Ping An Bank, and Ping An Pratt & Whitney is a bigger loan platform. Although the names are all called Ping 'an, they are quite different in nature.
If you want to apply for a more reliable loan, it is still recommended to apply for a new loan. After all, it belongs to the bank's loan products.
Precautions:
1. The new loan is strict with the applicant's age. The minimum age of the applicant is 23 years old, and users below that age cannot apply for new loans.
2. The new loan requires the applicant to work for at least 6 months at present. If he can't provide a valid work certificate, he will be rejected.
If you want to apply for a new loan, you need a stable source of income. The monthly income of users in Beijing, Guangzhou, Shenzhen and Hangzhou is not less than 5,000 yuan, and the monthly income of people in other regions is not less than 4,000 yuan.