"Ping An Smart Loan is the latest micro-credit loan launched by Ping An Bank, with a maximum amount of 50,000 and emergency funds of1-50,000; Multiple periods are allowed, which can be borrowed for 3, 6, 9, 12 months; Flexible use, daily interest, no interest. Ping An Bank does not have an app called "Ping An Smart Loan". The official application channel of the bank is Ping An Pocket Bank app. Please pay attention to identify the official application channels! Application method: first register and log in to Ping An Pocket Bank app, then enter the loan area, find Ping An Smart Loan and enter the page, select the city, fill in personal information and submit the application. " (Huawei P40, EMUl 1 1.0.0 system, Ping An Pocket Bank version 5.4.5)

At present, Ping An Bank Smart Loan Star, as a well-known domestic financial service product supplier, implements strict national policies. If you are 22 years old and have a stable job, then you can rest assured to use Ping An Bank's Smart Loan Star.

What are the requirements of Ping An Zhi Dai Star?

1 The applicant is a China citizen aged 23 to 56 with a valid second-generation ID card;

There is no bad record such as overdue for more than half a year in the credit record;

③ Ping An Group has no unexpired credit products;

4 The number of credit inquiries in the last 2 months should not exceed 4 times (my behavior is the fourth time, only looking at loan approval and credit card review, including Ping An Bank's inquiry);

Credit loans of credit companies within half a year (accumulative total ≤ 30,000 yuan, except for transactions ≤2 times, and mortgage loans will not be affected).

After meeting the above conditions, you can apply through 5 1 provident fund, and then find the star of flat loan in the loan. It should be noted that when applying for Ping An Smart Loan Star, Ping An Smart Loan Star will check the applicant's credit information, and there may be a random telephone call back.

According to the official statement of Ping An, the daily interest rate of Ping An Zhixing's loan is as low as 0.05%, which translates into an annual interest rate of 18%. According to this interest rate, if the loan is 654.38 million yuan and the loan is 1 year, the interest will be100000 *18% =18000 yuan. In fact, this interest rate is relatively high compared with ordinary loans. We should know that the interest rate of bank mortgage is generally around 6%. However, the annual interest rate 18% is also within the scope prescribed by law. Need to be reminded that Ping An Smart Loan Star belongs to bank loan products and is connected to the credit information system. Be sure to repay the loan on time after borrowing, so as not to affect personal credit information. In addition, overdue transfer will generate corresponding penalty interest and increase the repayment burden of the borrower.