Xinyi Loan is specially launched for public employees, so the application threshold is relatively high, and monthly income will be examined. As for Ping An Smart Loan Star, there are no special requirements for users' occupations, the assessment content is less, and the application threshold is lower.

1. Features of Ping An Intelligent Loan Star

Ping An Intelligent Loan Star is a pure credit loan product launched by Ping An Bank. You can apply for it without mortgage, and the loan is If the entire application is submitted online, the maximum loan amount is 550,000 yuan. Of course, the specific deposit amount is determined based on the user’s personal qualifications. Like other credit loan products, Ping An Smart Loan Star has certain requirements for users’ credit information, and bank loan products have strict requirements for their use scenarios. Loan funds must not be used by users such as stock markets, housing purchases, investments, etc. Countries prohibit credit Receipt of funds entering. And when applying for this loan, you should pay attention to the fact that the number of credit inquiries cannot exceed 4 times in the past two months, and there are no other loans in Ping An Group. At the same time, the credit report must be good, and the age must be between 23 and 56 years old. between one year old.

2. Pay attention to the application requirements for different loans

In fact, the application for a new loan is relatively strict. You must have a stable monthly income, and it is best to have a mortgage repayment record. , under such a situation, you can apply better, so the requirements for personal credit reporting are quite high. If your credit report is not good, it is probably difficult to apply for one. Of course, for loans with high credit reports, the interest rates are generally better. Therefore, maintaining a good credit report will not only make your life worry-free, but also provide you with more benefits when taking out a loan.

3. Loans cannot be used to buy a house

Make it clear that these loans are used to buy a house, because when buying a house, the interest rate of the mortgage loan is usually lower. Moreover, when adding the down payment, it is also required to come from your own funds, so once you find that you have used the loan amount to buy a house after taking a loan on another platform, the consequences will be very serious.