(1) The borrower must be a citizen of China with full capacity for civil conduct and at least 2 1-55 years old;

(2) Having a fixed job for more than six months, and the monthly income after tax reaches more than 3,000 yuan (the borrower's after-tax income in Shenzhen is ≥ 3,500);

(3) If a private owner needs to provide bank running water for six months, the amount should be more than 6,543,800 yuan+0.8 million yuan.

Only when the above conditions are met can you apply for a personal mortgage-free loan from the bank. Traditional loan products have complicated procedures and processes, and need certain assets as collateral, such as houses, cars and other assets.

However, personal unsecured loans do not set a mortgage threshold for the borrower's own economic conditions and assets. It can be said that as long as they have good credit and stable income, they can basically apply for successful personal unsecured loans.

Extended data:

The main condition of Ping An unsecured loan is to provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; Provide stable proof of address, house lease contract, water and electricity bills, property management and other related certificates; Provide stable proof of income source, bank statement, labor contract, etc.

After receiving the application, the staff of Ping An Bank got in touch with the borrower, including matters needing attention and information needed for the loan; The borrower shall submit the information required for the loan according to the instructions of the staff of Ping An Bank; After receiving the information, the staff of Ping An Bank will review the information and conduct a pre-loan investigation on the borrower; After the data is approved, the borrower and the lender sign a contract.

Ping An in China-What is a personal unsecured loan?