CreditEase Pratt & Whitney Commercial Loan is an unsecured credit loan for operators who have been in business for 1-2 years and have an annual turnover of over 1 10,000 yuan. Ping An Insurance's commercial loan "owner's loan" is for business owners who have been employed for more than 1 year, and the annual turnover is not limited. The biggest feature of the term is the variety of loan terms, ranging from 3 months to 60 months.

Loan information

loan limit

Terminology scope

Lending time

Fee Schedule

Repayment method

Annual turnover requirement

Zhu Ye loan

300,000 to 500,000

612,24,36 months

1 working day

Face to face negotiation

Borrow and return.

1 ten thousand

Owner loan

2-500,000

3,6,9,12,24,36,48,60 months

1 working day

Monthly expected annualized interest rate 1.30%-2.30%.

Borrow and return.

not have

Judging from the loan time, repayment method and loan amount, the two operating loan products are homogeneous. However, judging from the application conditions, Ping An Insurance's "owner loan" is obviously lower, and it also requires enterprises to operate for more than 1 year. Owners don't want to borrow last year's turnover, and commercial entrusted loans require enterprises to have an annual turnover of more than 654,380+0 million.

From the type of loan term, the loan term provided by the owner's loan is more flexible and diverse, covering short, medium and long term. The shortest loan time is 3 months, and the longest loan time can reach 5 years. In contrast, the shortest loan period of employment-related loans is half a year, and the longest is only three years.

Finally, from the cost point of view, the minimum monthly expected annualized interest rate of owner's loan is only 1.3%. As long as the enterprise has good credit, it is possible to apply for low-interest loans, with a maximum of only 2.3%. The interest on the employment loan is negotiable.

In general,