Personal credit loan process of Ping An Pratt & Whitney;

1. Age requirements: 22 -60 years old, with excellent academic qualifications 18 years old or above, but parents must know and sign.

2. Preparation materials: materials required for bank loan: including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (if a spouse is required, it is not required if there is no spouse). The requirements of banks are different, and some only need ID cards, provided that they have wages, social security and provident fund).

3. After preparing the relevant materials, the applicant goes to the bank to submit the relevant materials with the loan application, and the applicant signs a loan contract with the bank as a legal document of both parties.

Fourth, the next step is to start reviewing. If it is a house purchase loan, the bank will first conduct a preliminary review. If it is qualified, the bank will conduct the final loan approval; If the review is unqualified, the bank will return the relevant information of the customer.

Verb (abbreviation of verb) Finally, after the customer's relevant procedures are completed, the bank will evaluate the borrower, approve the loan and submit it to the superior for approval. Then the staff informed the borrower of the loan amount, term, interest rate and other detailed information, and transferred the money to the customer account.

6. Lending time: usually three to four working days, at least two weeks, the earliest application in the morning, and the account can be received in the afternoon.

Extended data:

Ping An Pratt & Whitney launched the unsecured loan business: excellent mortgage (real estate license is required, and private owners need to provide business license) to facilitate users to obtain loans quickly and simply.

Owner's loan (driving license+vehicle registration certificate and commercial auto insurance policy are required, and vehicle insurance is within the validity period), wage loan (income proof and work proof are required), owner's loan (property proof material is required), life insurance loan (life insurance policy material is required), etc. And constantly improve and innovate according to market demand.

Secured loan business

Ping An Pratt & Whitney launched e-loan products for users with large loan quotas. The borrower must be a China citizen (Chinese mainland residents only) aged 25-55 and one of the property owners of the mortgaged property.

Advantages of home electronic loan

High: the quota is high, with a maximum of 5 million per room.

Fast: fast loan, fastest loan 1 day.

Low: The annualized cost starts from 10.7%.

Live broadcast: the repayment is flexible, and it can be repaid in advance for more than one month without handling fee.

Security risk control

Ping An Pratt & Whitney has established a set of risk control management mechanism including credit risk management and credit management system. It includes a central risk control mechanism that runs through the whole process of credit before, during and after, and adopts periodic risk management method to dynamically monitor customer information in an all-round and uninterrupted way through the "three lines of defense" of regular business departments, approval risk control centers and risk control departments.

In addition, Ping An Pratt & Whitney has innovated the risk control model based on the advantages of big data accumulated in the past 1 1 year, and constantly optimized our risk control model by drawing lessons from the leading technology of the international consumer credit industry, so that customers can get more dimensional evaluations in the model and constantly improve the central risk control management mechanism and credit management system of credit risk management.

At the same time, the scorecard model adopted by Ping An in inclusive finance draws lessons from the leading technology of the international consumer credit industry, and combines its own accumulated business data for many years, based on credit records, customers' natural attributes and third-party big data information, to comprehensively evaluate customer risks.

How to borrow Ping An Pratt & Whitney Loan? What is the loan process?

As a mobile phone loan APP, Ping An Pratt & Whitney not only has the advantage of extremely fast lending, but also has advanced technology of face recognition. Many people who want to borrow money want to borrow money on such a platform. So, how to leverage Ping An Pratt & Whitney? What is the loan process? Today, let's talk to you.

Ping An Pratt & Whitney Loan APP focuses on two products: I loan and E loan. The following is their loan process:

I. Loan process:

1. Download Ping An Pratt & Whitney APP and register;

2. Click "Loan" to initiate a loan application;

3. bind the bank card;

4. Face recognition;

5. Get a credit line and lend money within 6 minutes at the earliest.

Purchase e-loan loan process:

1. Download Ping An Pratt & Whitney APP and register;

2. Click "E-Loan" to initiate a loan application;

3. After the approval is completed, the staff will go to Ping An Pratt & Whitney Mortgage Store for a signing interview;

When the mortgage ends, the loan will be issued as soon as possible.

How to apply for Ping An Pratt & Whitney Loan?

If you want to apply for Ping An Pratt & Whitney Loan, you can directly log on to Ping An Pratt & Whitney official website to apply online and choose the product that suits you. The process of handling the loan is as follows:

1. The borrower submits loan application materials to Ping 'an Puhui;

2. The borrower submits the application materials for preliminary examination;

3. Ping An Pratt & Whitney examines and approves loan applications that meet the loan conditions through preliminary examination and credit reporting;

4. After approval, notify the borrower to go through relevant procedures such as contract signing, loan, mortgage or pledge; Failing to pass the examination and approval, it shall explain the situation to the borrower;

5. The loan contract comes into effect and the loan is issued.

For more information on how to apply for Ping An Pratt & Whitney Loan, please visit: See More.