Inclusive loans are generally targeted at individuals, and now many banks have launched them. For example, Ping An Pratt & Whitney Loan launched by Ping An Bank can be loaned as long as the borrower meets certain conditions. However, the loan must be repaid on time, and overdue repayment will generate penalty interest, and overdue records will be uploaded to the credit information center.

The loan amount of Ping An Pratt & Whitney Loan is generally 2,000 yuan to 30,000 yuan. After the loan, interest is charged on a daily basis. The borrower is over 2 1 year old and under 55 years old. Have a stable job, and can guarantee to repay the arrears on time every month. Credit information must be good when borrowing money. If you apply for other loans or credit cards, you must ensure that they are not overdue.

It is best for users to evaluate their repayment ability before handling loans. It is no problem to borrow money when personal income is relatively high. If your personal income is not much, you should borrow carefully at this time to avoid not being able to return it on time in the future. In fact, when you can't repay the loan on time, you can borrow money from friends around you.

When handling a loan, the borrower can compare the loan interest rates of different banks and choose the bank with the lowest interest rate, which will save a lot of interest when lending. Generally, you need to be a high-quality customer of the bank to get interest rate concessions. After completing the loan, you can repay in advance, which can save a lot of interest and is conducive to the next loan.

Second, how does inclusive microcredit repay the loan?

If you choose to prepay, the borrower needs to find out his loan balance and the materials needed to prepare the business signed before. To handle the prepayment business, you need to provide the original ID card and fill in the repayment application form in the loan cooperation hall. After the application is approved, the borrower will be informed. At this time, I will borrow the certificate and repay the loan. Finally, you have to apply for a certificate of settlement. If there is a mortgage loan, the property mortgage should be cancelled.

Third, why are small loan companies called Pratt & Whitney?

The so-called "inclusive finance" comes from the English inclusivefinancialsystem, that is, Junasz, winner of the 2006 Nobel Peace Prize, is engaged in microfinance for the poor.

The core meaning of the word "inclusive" is equal opportunity, which is to help those who can't get credit support from formal financial institutions under normal circumstances realize their dream of "getting rid of poverty and starting a business". Therefore, inclusive finance is talking about accurate investment, and credit funds should be invested in "small and micro enterprises, college graduates, farmers, special groups and precise poverty alleviation targets" that traditional banks prudently intervene in.

4. What is a universal small loan?

Hello, what is Pratt & Whitney? The repayment method of small loan companies is equal principal and interest repayment, and the same principal and interest is paid every month! You just need to deposit the money that should be paid back every month into the card bound by your previous contract, and they will automatically deduct the corresponding money. If the deduction is unsuccessful, there will be liquidated damages and penalty interest, so you should save enough money in advance.