I. the nature of ping an bank
ping an bank, the full name of which is ping an bank co., ltd., is a cross-regional joint-stock commercial bank controlled by China ping an insurance (group) co., ltd. and one of the 12 national joint-stock commercial banks in Chinese mainland. With a registered capital of RMB 5,123.35 million and total assets of nearly RMB 1.37 trillion, it is headquartered in Shenzhen, Guangdong Province.
II. What is the new loan of Ping An Bank
Ping An's "new loan" products are issued to salaried people with continuous and stable wage income or self-employed people with continuous and stable operation, and are used for unsecured loan business of individuals or families for consumption or business purposes other than housing purchase
No guarantee is required, only personal credit is needed.
It is convenient to apply, just go to the bank once and sign a contract.
limitation commitment: within three working days, the loan will be released within one day at the earliest.
The application threshold is low, with monthly mortgage payment of more than 3 years, or Ping An life insurance policy with payment of more than 3 years (non-Ping An insurance policy needs payment of more than 5 years), or the deposit base of provident fund is greater than or equal to 4,, which can be superimposed.
3. It can be seen that the requirements for personal credit information are very high. Of course, after all, it is a bank loan, and the interest rate is also very attractive:
Interest rate standard:
Self-employed people: 1.53%
Standard salary: 1.53%
Excellent occupation: 1.4%
Ping An Group employees: 1. Excellent occupation is relaxed to 48 months
3. repayment method: equal monthly principal and interest
4. payment method: entrusted payment and independent payment
5. prepayment: 5% of the remaining principal as penalty, and only one-time prepayment is accepted.
6. Common uses: daily consumption, business operation, decoration, purchase of furniture and electrical appliances, personal education, children's education, wedding (daily consumption does not exceed 1, yuan, and purchase of furniture and electrical appliances does not exceed 3, yuan)
IV. Loan amount
= monthly repayment amount of the original mortgage ×45 (monthly repayment for more than one year)
1. The repayment method must be monthly repayment (including biweekly repayment and balloon loan repayment)
2. Customers with off-site mortgage can apply for mortgage repayment for more than 5 years, and the loan amount is 3 times of the monthly repayment amount.
3. The mortgage has been settled for less than 12 months.
4. Parents who are under the age of 28 must know about their loans.
v. mortgage PLUS version
loanable amount = monthly repayment amount of original mortgage ×8 (monthly repayment for more than one year)
loanable amount = monthly repayment amount of original mortgage ×1 (monthly repayment for more than three years)
loanable amount = monthly repayment amount of original mortgage ×12 (monthly repayment for more than five years)
1. the repayment method must be monthly repayment (including biweekly repayment and balloon loan repayment)
2. customers need to have a Ping An life insurance policy for more than 3 years, which is not recognized by other insurance companies, and the amount is not limited.
3. or if the customer has paid the provident fund normally for more than 2 years, the amount of the provident fund deposit is not limited.
VI. Insurance policies
1. Life insurance policies of 19 insurance companies can be accepted.
China Ping An Insurance Company Limited, China Life Insurance Company Limited, new china life insurance co Company Limited, Taikang Life Insurance Company Limited, Pacific Life Insurance Company Limited, China People's Life Insurance Company Limited, Taiping Life Insurance Company Limited, AIA Life Insurance Company Limited, Fude Life Insurance Company Limited, Sunshine Life Insurance Company Limited.
2. The insurance policy is valid at present, and has no duplicate effect. It has been paid for 4 times in 3 years, and the applicant has not changed in the past year.
3. The same policyholder can accumulate up to 3 policies.
loanable amount = annual premium paid for life insurance ×2(2 years)
loanable amount = annual premium paid for life insurance ×3(3-4 years)
loanable amount = annual premium paid for life insurance × 4 (more than 5 years)
income = annual premium paid ×8
VII.
2. it is not recognized that "payment is broken" or "payment is made" in the middle.
3. The deposit base of the common occupational provident fund is ≥ 4, yuan, that is, the individual deposit amount is ≥48 yuan
4. The name of the deposit unit of the provident fund must be the same as that of the work unit.
5. You must be a salaried person. If you have a business license under your name, you will be admitted as a self-employed person, and the interest will be 8.5%.
6. Check the deposit amount of the provident fund in the past year based on the deposit base. If there is an increase in the provident fund in the past year and the increase exceeds
12%, the provident fund will be determined according to the lower.
loanable amount = deposit base ×4 (deposit base ≥ 4, loanable amount = deposit base ×6 (deposit base ≥ 8,)
Income determination = deposit base ×4
VIII. Calculation of income-liability ratio
Income-liability ratio = determined monthly liabilities ÷ determined monthly income ≤ 75%.