Xinyi Loan is an unsecured personal loan business launched by Ping An Bank, a subsidiary of China Ping An Group. For working-class and private owners, it can be used for business or personal consumption (including car purchase, decoration, tourism, further education, wedding, medical care and other large consumption), with a maximum loan of 500,000 yuan. Shenzhen Development Bank, a subsidiary of Ping An Group, also launched a "new loan".
2) Ping An Easy Loan Insurance
Ping An Easy Loan Insurance, also known as Ping An Easy Loan, is a kind of "credit guarantee insurance" launched by Ping An Property Insurance under China Ping An Group. The applicant is the loan customer himself, the insured is the loan bank and the insurer is Ping An Property Insurance Company, which underwrites the credit risk of the loan customer.
Remarks: As Easy Loan and Easy Loan Insurance are products of Ping An Group, some consumers often confuse them. In short, the new loan is a product of Ping An Bank, and the interest rate is lower than that of Easy Loan Insurance. Ping An Easy Loan Insurance is a product of Ping An Property Insurance and a kind of credit guarantee insurance.
3) Postal savings loan
Within 65438+ million. Need a guarantor.
4) Bank of Ningbo White Collar Loan
The credit line of this loan is 50,65438+100,000,1.50,200,000. It is valid for three years, can be recycled, can be borrowed and returned, and bears interest on a daily basis. Personal credit can also apply for unsecured loans. Bank of Ningbo launched the "white-collar customer recruitment plan" for Nanjing civil servants, teachers, doctors and other people, which was officially launched in April. It is understood that the credit line of this loan is 50,000, 65,438+10,000,1.5,000 and 200,000. It is valid for three years, recycled, borrowed and returned, with daily interest. The loan interest rate is linked to the customer's investment, and the lowest benchmark interest rate is lowered 10%. Borrowers can handle the issuance and return of loans through business counters or contracted online banking as needed.
5) Unsecured personal loan of Standard Chartered Bank
Standard Chartered Bank launched unsecured personal loans in five major cities in China, with a maximum loan amount of 200,000 yuan and a minimum loan amount of 8,000 yuan; The longest loan period is 4 years and the shortest is 6 months. Consumers can apply for Standard Chartered Bank as long as they have a stable job and income without any guarantee or mortgage.
6) Unsecured personal loan from China Bank.
The unsecured personal loan "Cash Loan School" launched by China Bank in conjunction with Zhengda Express Loan in five major cities across the country has a maximum loan amount of 300,000 yuan and a minimum loan amount of 5,000 yuan; The longest loan period is 4 years and the shortest is 6 months. Consumers only need to have a stable job and income, and they can apply to the Bank of China without any guarantee or mortgage.
Domestic unsecured loan enterprises
At present, the domestic banks with unsecured loan products include Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.
Loan companies include prestige cash loan, easy credit, urgent loan and Zhongan credit industry, and there are also a large number of loan companies in various places in the name of guarantee and consultation.
E-financial institutions mainly refer to the websites of everyone's loan model.
At present, unsecured loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market.
At present, the unsecured loans officially promoted in China are unsecured loans, such as the cash loan group launched by Standard Chartered Bank, which can lend 8,000 yuan to 20,000 yuan. This kind of products launched by banks are also characterized by low quota, high threshold and slow procedures.
The unsecured credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are commonly known as usury. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items, and the actual loan cost is much higher than the publicity interest rate.
Conditions for preparing unsecured loans
The first step of the loan preparation procedure
Unsecured microfinance requires us to have China nationality (excluding Hongkong, Macau and Taiwan Province residents);
At the same time, you must be at least 25-55 years old;
Current address must be 6 months, and local work must be 6 months;
At the same time, the most important thing is that the credit card repayment record is good and there is no overdue at present. If you are an office worker, you have to work in your current unit for 6 months.
The second step of the loan preparation procedure
First, the applicant fills in his contact information online and sends the relevant materials to the new loan by mail or fax;
Secondly, the relevant bank will have a special customer service to contact the applicant after receiving the applicant's information; Finally, the applicant submits the relevant materials to the door for approval by the bank. After approval, the bank lends money.