It should be credible, and it is more reassuring to find a responsible salesman!
2. Is Ping An Bank's loan reliable? Is it a regular bank loan?
Ping An Bank loans are reliable. As one of Chinese mainland 12 national joint-stock commercial banks, Ping An Bank's loans are naturally completely reliable.
At present, Ping An Bank's loan business ranges from personal unsecured credit loans to mortgage loans, car loans and personal small consumer loans. As a fully formal bank, everyone can use the loan with confidence.
China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it still needs the insurance company's audit to repay the loan, which is equivalent to being guaranteed by Ping An Group. The lender shall pay the insurance premium to Ping An Group in one lump sum after obtaining the loan, and deduct the bank interest and monthly repayment amount regularly every month.
It is impossible to borrow money from banks without collateral, and the new "credit guarantee insurance" of Ping An Group has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank handed over risk management to Ping An to check customer information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination.
Customers with credit insurance are equivalent to customers with Ping An Group as credit guarantee. They can directly take the credit policy to the cooperative bank to sign a "personal consumption loan" contract. After the contract is signed, the cooperative bank will lend the money to the applicant's account on the date stipulated in the contract.
3. Is Ping An Bank loan formal?
The loan application process of Ping An Bank is roughly as follows. Please click on the name of the loan product in official website, the flagship store of Ping An Finance. How to get a loan from Ping An Bank 2 If it is a commercial loan, you can see it in the column of application conditions after clicking enter. China citizens who need to hold a second-generation ID card must be between 25 and 55 years old and have a good credit record. You can choose one of monthly contribution, provident fund, tax bill and life insurance policy. How to borrow Ping An Bank loan 3 reserve information is clearly marked in the column of reserve information of corresponding loan products. For example, the materials to be prepared for operating a loan are the second-generation ID card and business license. How to apply for a loan from Ping An Bank? If the above conditions are met, prepare the required materials, click Apply Now, follow the system prompts, fill in the contents and submit them, and the bank account manager will take the initiative to contact the corresponding personnel, and then submit the materials to the corresponding personnel. Before, I also needed business turnover. I used several products. In fact, every small loan platform has an internal application entrance, with low interest, convenient payment and high quota! Scan the code below to enter the QR code!
4. How about Ping An Bank loan? Is it formal?
Ping An Bank is a large enterprise and relatively formal. It depends on consulting the bank in advance, because different loan types need different conditions. Common loan types include, for example, the amount and interest rate that these loans can get when they are processed will include the borrower's 18-year-old capacity; Have a stable job and be able to repay the arrears on time; Personal credit is good; Submit the bank flow in the last six months; Other conditions stipulated by the bank can be used for loans after they are met. Ping An Bank signed a contract loan again, which saved you the trouble of running around. First, download the "Plane Account Manager Code" on your mobile phone. If you have registered, remember the password and get it back. Before applying, remember to click on the home page-upper right corner-to enjoy the service and see if the product manager is what you need. If not, please modify the product manager. After modification, log out and log in again.