2. The applicant has a good personal credit record and no bad credit record;
3. Have a stable and legitimate source of work and income, and have the ability to repay the arrears on time;
4. Having a fixed residence at the place where the bank applying for a loan is located;
5. Have a Chinese ID card or household registration certificate;
6. Meet other needs of banks.
How to get a loan from Ping An Bank?
1. Apply for a loan from a bank: the lender needs to prepare relevant supporting materials, personal financial status, etc. , and then apply for a loan from the bank;
2. Signing a loan contract: after the loan application is approved, face-to-face signing will be conducted with the bank to determine the loan matters through consultation;
3. Implement the guarantee procedures: if the lender provides the collateral recognized by Ping An Bank, it needs to go through the relevant mortgage (pledge) guarantee procedures;
4. Lending: After completing the relevant procedures, you can wait for the bank to lend money;
5. Repay the principal and interest on time. After the loan is issued, the principal and interest shall be repaid according to the repayment method agreed in the contract until the loan relationship ends.