Ping An Bank Credit Loan

First, new loans (unsecured loans)

(1) business introduction

New loans are unsecured RMB loans issued by the Bank to individuals for production and operation, or for decoration, car purchase, travel, study abroad, wedding, medical care, parking, golf club membership and other purposes.

(2) Business advantages

1, flexible amount and term: the maximum loan amount is 500,000, and the maximum term is 4 years, meeting different needs;

2, credit guarantee, no guarantee: based on personal credit, no real estate mortgage, no guarantee from others;

3. Simple procedures and quick approval: customers only need to go to the bank 1 time, fill out an application form, sign a contract, and feed back the preliminary examination opinions within half an hour. The information is complete, and the loan can be released within 1 working day at the earliest.

(3) Treatment conditions

1, old customers of Ping An Life Insurance (fully extending exclusive products, especially giving back to old customers of life insurance) are as follows:

(1) The customer is the insured, aged over 25 and under 55;

(2) Any customer's working relationship, household registration or real estate location is in the location of the loan bank;

(3) The customer has a life insurance policy with non-batch payment;

(4) The payment period is ≥3 years, and there are no less than 2 payment records in the last 3 years (excluding the current year);

(5) No bad credit record.

2. The conditions for mortgage (including mortgage from other banks) customers are as follows:

(1) The customer is over 25 years old and under 55 years old.

(2) The customer "I have an outstanding mortgage loan at present";

(3) The number of months that the mortgage has been repaid is ≥ 12 months;

(4) The working relationship is in the place where the loan bank is located;

(5) No bad credit record.

3. If the customer is neither an old life insurance customer nor a mortgage customer, Ping An Bank also provides regular new loans.

The conditions are as follows:

(1) salaried personnel (refers to wage earners):

① The clients are 25-55 years old (inclusive), among which standard wage earners (except civil servants, doctors, teachers, financial workers, listed companies and large state-owned enterprises, the same below) are required to be 28-55 years old (inclusive);

(2) The working relationship is in the place where the loan bank is located;

③ The average monthly income of customers in first-tier cities (Beijing, Shanghai, Guangzhou, Shenzhen and Hangzhou) is not less than 5,000 yuan; bifilar

The average monthly income of urban customers is not less than 4,000 yuan;

(4) At present, the working time of the work unit is not less than 6 months;

⑤ Standard wage earners currently have social security records or provident fund records; Or have social security records or provident fund records in the past 6 months;

⑥ There is no bad credit record, and the credit record of standard wage earners is not blank.

(2) Self-employed (referring to individual industrial and commercial households and private entrepreneurs)

① The customer is 25-55 years old (inclusive);

(2) The customer must "have an outstanding mortgage at present" or "the family has a local property";

(3) The business license of the enterprise has been registered for more than 2 years (inclusive), and it is necessary to provide the enterprise with running water for 6 months at present;

(4) The enterprise must be registered in the place where the branch is located and have a fixed business place;

⑤ There is no bad credit record, and the credit record is not blank.

(4) loan amount and interest rate

1, loan amount

New loan amount evaluation form

Customer classified loan amount

Old life insurance customers 1. Loan amount = (annual premium paid by dividend insurance and universal insurance *2+ guaranteed life insurance *4)* 10, with an upper limit of 300,000.

2. If the customer has multiple policies, it can be calculated cumulatively.

Mortgage customers 1. Loan amount = original monthly mortgage repayment amount *45, with an upper limit of 300,000.

(including mortgages from other banks) 2. When customers have multiple mortgages, they can choose the mortgage with the highest monthly repayment amount.

Traditional new loans

Wage earners (excellent occupations): loan amount = monthly income *12; If the borrower has a local property, the loan amount = monthly income *15; The upper limit is 500 thousand

Wage earners (standard wage earners): loan amount = monthly income *7, with an upper limit of 300,000; If the borrower has a local property, the loan amount = monthly income * 10, with an upper limit of 500,000.

Self-employed: loan amount = monthly income *5, the upper limit is 300,000, but if the borrower has a local property, the upper limit is 500,000.

★ Remarks: The above does not constitute a commitment of the loan amount, and the bank will also examine and approve it according to the risk of the customer.

2. Loan interest rate (monthly interest rate)

Business types: new loans for consumption and new loans for business.

Ping An employees 1.29%/

Excellent occupation 1.49%/

Standard wage 1.69%/

Self-employed persons 1.89%

(5) required information

Data sheets required for handling a new loan business

Regular new loans for old life insurance customers/mortgage customers

Second generation ID card

Proof of loan use and income

Certificate of loan use