I got a car loan of 50,000 yuan from Ping An Bank. Just signed the contract, more than 2490 points per month for two years. It is also required to buy personal accident insurance, 360 yuan a month, 12. Insurance and loan are two different things It is a bit compulsory to ask for personal accident insurance, but there is a hesitation period, and there is also a hesitation period for payment, 7- 15 days. According to the insurance contract. If you surrender your insurance during the hesitation period. Work charge 10 yuan will do. The premium is fully refunded. Surrender if you have passed the hesitation period. Then a sum of money will be deducted. You can also buy personal accident insurance if necessary.

Extended data:

Ping An Bank's new car consumption loan

Product overview

This product is suitable for new car consumer loans, and adopts various repayment methods, such as equal principal and interest, average capital, net interest repayment, interest repayment, balloon loan, etc.

Product characteristics

The message is simple: you can apply without real estate. You only need to provide personal identification to submit the preliminary examination of car loan, and then choose to provide residence certificate, income certificate and other materials according to different customer categories.

Efficient approval: the approval can be completed as soon as possible on the same day.

Quick loan: the information is complete, 1 working day.

Maximum amount: a single loan can reach up to 5 million.

Prepare information:

Identification certificate;

Proof of residence;

Proof of income.

Processing flow:

Submit application materials-> Bank approval-> Sign a contract-> offer loans

There are also second-hand car standard loans and unsecured additional fee loans.

Specific process:

1. Apply for a car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Investigation Form for Credit Information, and submit them to the loan bank together with relevant certificates of personal situation.

2. After receiving the application, the bank will conduct pre-loan investigation and approval.

3. After examination, the bank informs the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through mortgage registration and insurance procedures.

4. Banks issue loans.

5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.