Ping an loan picture avatar

Modern people often face the problem of lack of money. Choosing a bank loan is a good decision. Ping An Bank has many loan products. Today, this article will take stock of some common ones, mainly these two. Users with recent borrowing needs can learn about it, which is suitable for users with stable income.

What kinds of loans does Ping An Bank have?

1, new loan

This product is a business promoted by Ping An Bank, and the quota can be used for car purchase, decoration, medical treatment, travel, marriage and so on. The characteristic is that you don't need mortgage guarantee. It is best to apply for a loan with assets, and the amount will be higher. As long as the application materials are complete, the same-day loan can be realized and the user's fund problem can be solved quickly, which will not exceed 3 working days at the latest.

Loan amount: 30,000 ~ 50,000, loan term12,24,36 months.

Application method: You can submit the application online, and then handle the business offline. You need to sign a contract before you can lend money.

Application conditions:

Have full capacity for civil conduct and hold a second-generation ID card.

Age 23 years old (inclusive) ~ 55 years old (inclusive).

You can apply for monthly insurance, pay the provident fund continuously, and have stable mortgage repayment ability.

2. Housing e-loan

The mortgage loan specially provided for users with houses has a maximum amount of 500,000 yuan. The main feature of this product is low interest. The official claims that the annual fee cost is as low as 10.7%, and the loan can be released in 30 minutes at the earliest. Suitable for users who need money urgently and have a long repayment period. The borrower can choose freely according to the situation.

Application conditions:

Nationality: China nationality is a must.

Age: 2 1-55 years old (borrower) 18-50 years old (property owner)

Personal credit: no bad debts or serious historical expectations.

Relationship: The borrower must be one of the owners.

Property: Only apartments worth more than 300,000 are accepted.

Hold for more than 6 months.

Materials: bank card, household registration book, ID card and title certificate.

The above is the relevant content of Ping An Bank loan. Ping An Bank has many high-quality loan products, so you can go to the bank directly if necessary.

Is it true that Ping An loan is good?

It's true. Ping An Good Loan is a loan service project of Ping An Group.

Ping An Good Loan is a formal credit loan launched by China Ping An Group, which mainly promotes three loan products: monthly loan, policy loan and provident fund loan. At the same time, the regularity of safe and good loans can be seen from the following aspects:

1. Background: Ping An Group's loan products operate normally and legally.

2. Interest: the monthly interest rate is as low as 1. 1%, and there is no other handling fee.

3. Process: To apply for a good Ping An loan, you need to check the customer's credit evaluation first, then the customer fills in personal information and submits relevant materials. After applying for a loan, customers need to go to Ping An Bank for an interview.

Judging from the background, interest and application process of Ping An Good Loan, this product is a relatively formal online loan product, but because it is a bank loan, the risk control is strict. However, as long as the customer's assets are in good condition and personal credit is good, the probability of successful application is still high.

Precautions:

1. Regular online lending institutions have strict loan approval procedures. Even if the lender is not required to provide collateral, it is necessary to review the lender's credit history, income, work or business status and other information, and there are strict restrictions on the loan amount and loan term.

2. The loan amount depends on the individual's capital demand. Under this premise, I need to consider my economic repayment ability to avoid excessive repayment amount and pressure.

How to handle the real estate mortgage loan of Ping An Bank?

The mortgage loan processing flow of Ping An Bank: the borrower submits the application-provides the required materials (ID card, household registration book, marriage certificate and real estate license)-the bank account manager understands the borrower's situation and evaluates the property value-the bank contacts the borrower and signs a loan contract-the borrower mortgages the property to the bank-and the bank loan is issued to the borrower. Mo Long was recommended as the place for loan. The platform can lend money as quickly as 1 day, and apartment stores can apply without mortgage. It can lend money in as little as 2 hours without mortgage. There are corporate tax stamp loans, mortgage loans, mortgage loans and other projects, which have a good reputation and are worth choosing.

Lenders applying for real estate mortgage loan of Ping An Bank need to meet the following conditions:

1. First, the borrower has legal status and good credit record;

2. The borrower applying for real estate mortgage loan requires a stable economic income and the ability to repay the principal and interest of the loan. Even if there is collateral, the bank also depends on the borrower's repayment ability;

3. The applicant can provide valid proof of property rights and other relevant documents.

4. Self-raised funds not less than 50% of the total price or evaluation value of the purchased commercial house (whichever is lower), and guaranteed to be used to pay the down payment of the purchased commercial house;

5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

For more information about real estate mortgage, please consult Mo Long. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.

Is Ping An Pratt & Whitney Loan Legal?

Many online lending platforms are illegal. Is Ping An Pratt & Whitney Loan Legal?

To judge whether an online lending platform is legal, we only need to know its lending qualification, loan interest and collection method. Next, we will learn about Ping An Pratt & Whitney Loan from these three aspects.

credit worthiness

At present, Ping An Pratt & Whitney has obtained two small loan licenses, namely Chongqing Jinan Network Small Loan License and Hunan Ping An Pratt & Whitney Co., Ltd., so Ping An Pratt & Whitney has no problem in lending qualification.

loan interest

According to the law of our country, it is illegal for the annualized loan interest rate to be above 36%. Judging from the current situation of Ping An Pratt & Whitney loan, the annualized loan interest rate is mostly within 20%, and there is no red line.

Collection method

In terms of collection, Ping An Pratt & Whitney Loan continues the collection methods of formal financial institutions, and there are basically no violent collection methods such as exploding address books, threatening intimidation, and writing big characters. Under normal circumstances, Ping An Pratt & Whitney loans are collected by telephone, SMS and door-to-door according to regulations. For borrowers with serious overdue, Ping An Pratt & Whitney Loan may take legal channels.

To sum up, Ping An Pratt & Whitney Loan is legal in terms of loan qualification, loan interest and collection method, so you don't have to worry.

Ping An Pratt & Whitney's main business is to provide loans to users who need loans. At present, its main loan products include Ping An I loan, Ping An E loan, various mortgage loans and credit loans. To provide different loan needs for different users.

Therefore, many users will also choose Ping An Pratt & Whitney for loans when making loans. So is Ping An Pratt & Whitney's loan legal and compliant?

Ping An Pratt & Whitney's current loan interest rate is within the highest loan interest rate stipulated by the state, and its company will not charge any unreasonable loan fees in advance.

Therefore, from the perspective of national laws and regulations, Ping An Pratt & Whitney is legally operated. However, if users commit any illegal acts after the Ping An Pratt & Whitney loan, they can directly complain to the CBRC to safeguard their reasonable rights and interests.

Is Ping An Bank's new loan reliable?

Ping An Bank's new loans are reliable.

The interest of this product is high, starting from the annualized interest rate of 10.8%, and the final interest is generally between 12%- 16%, and the repayment method is equal to the principal and interest, so the repayment pressure is great.

This product repays the principal in equal amount every month, but the monthly interest is really repaid according to the initial loan amount, so it is not really equal principal and interest, which is easy to be confused.

"New One Loan" is a large credit loan under Ping An Bank, with the amount ranging from 65,438+0,000 to 500,000. Products include monthly loan, policy loan, provident fund loan and social security loan, and the comprehensive annualized interest rate is between 1.3%-20%.

In short, this loan product has two pits. One pit is that the loan principal is decreasing, but the base for calculating interest has remained unchanged, resulting in higher interest in the future; The second pit is that you have to pay in advance. Sorry, I have to charge you 5% management fee.

Ping An Xinyi loan is 654.38 million yuan. What is the interest rate?

By February 2, 2020, Kloc-0/,the loan in Ping An was 654.38 million yuan, with an annual interest of 4,350 yuan. Because the annual interest rate of Ping An is 4.35%, the annual loan is 6.5438+million, and the interest = principal × annual interest rate = 4.35% × 100000 = 4350 (yuan).

Ping An loan products include: personal housing loan business, personal housing loan characteristic products, personal consumption loan business, personal business loan business and Ping An "quick loan".

Among them, the conditions for applying for individual housing loans:

1. The applicant has full capacity for civil conduct and is at least 18 years old.

2. The applicant has a local permanent residence or valid residence status.

3. The applicant has no bad credit record and bad behavior record.

4. The applicant has the ability to repay the loan principal and interest.

5. The applicant and the seller signed a legal and effective purchase contract.

6. The applicant owns or has paid a down payment of not less than 20% of the total price of the purchased house.

Extended data:

Factors affecting interest rates

1, profit rate level

In the socialist market economy, interest is still a part of the average profit, so the interest rate is also determined by the average profit rate, that is, the interest rate first depends on the average social profit rate. According to the current situation of China's economic development and reform practice, this restriction can be summarized as follows: the overall level of interest rates should adapt to the affordability of most enterprises.

2. Supply and demand of funds

When the average profit rate is fixed, the change of interest rate depends on the ratio of average profit to interest and enterprise profit. And this ratio is determined by the competition between the supply and demand sides of loan capital.

3. The range of price changes

Because the price is rigid, the changing trend is generally upward, so how to keep the currency you hold from depreciating or how to get compensation after devaluation is a common concern.

This concern makes it necessary for banks engaged in monetary funds to adapt the nominal interest rate of deposit absorption to the range of price increase, otherwise it will be difficult to absorb deposits; At the same time, it is necessary to adapt the nominal interest rate of loans to the range of rising prices, otherwise it will be difficult to obtain investment income.