Is Ping An Pratt & Whitney credible? Is Ping An Pratt & Whitney Loan Reliable?

Ping An Pratt & Whitney is a loan service organization under China Ping An Group. It has a formal financial license and is a formal loan. As long as customers can provide real estate license, Ping An auto insurance policy and Ping An life insurance policy, they can easily borrow, with a maximum amount of 500,000, pure online approval and fast payment.

However, borrowers should pay attention to the fact that Ping An Pratt & Whitney loan includes insurance premium and service fee. In addition to interest, it depends on whether the comprehensive cost is within their tolerance. If the annual interest rate is higher than 36%, it is best not to borrow it.

1. As a member of Ping An in China, Ping An Pratt & Whitney helps small and micro business owners, individual industrial and commercial households and ordinary wage earners to obtain professional loan services, and helps the development of the real economy in China. It is mainly aimed at individual customers that are difficult to be covered by traditional bank loans, and small and micro business owners headed by third-and fourth-tier cities. At present, Ping An Pratt & Whitney is mainly divided into three business divisions: unsecured, guaranteed and small and medium-sized enterprises, and unsecured business accounts for the largest market business volume. The enterprise information of Ping An Pratt & Whitney can also be found on the national enterprise credit information inquiry website.

2. Ping An Pratt & Whitney is a lending institution under Ping An Group, which can provide customers with a loan amount of up to 500,000 without mortgage. Official website shows that Ping An Pratt & Whitney loan can be directly applied online, and the loan can be released in 15 minutes at the earliest.

If there is a need to borrow money, you can also choose to spend money under Xiaoman Finance. The application for money is simple, the loan is fast, and the loan is flexible. Users can apply on their own initiative. The interest rate of money is transparent, big brands are reliable, and the interest rate is low. The maximum loan amount is 200,000, which can meet the needs of most lenders.

3. In addition to individual consumers, small and micro business owners need to start or run funds, or consider having money to spend, and strive to provide accurate, convenient and efficient financial services for small and micro business owners.

This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways.

Is Ping An Pratt & Whitney Loan Reliable?

Not reliable, first of all, we must understand that Ping An Pratt & Whitney is the largest small loan company in China, and its purpose is to extract the surplus value of customers to the maximum extent.

Not for Purdue, Hui Ze. Let's see what pits it has:

Pit 1: Pretending to be Ping An Bank, Ping An Pratt & Whitney's salesman's dress, badge and marketing skills are all Ping An Bank's. In fact, Ping An Pratt & Whitney has nothing to do with Ping An Bank. Ping An Pratt & Whitney's salesmen are best at making deals with strangers.

When you meet a stranger, you will tell him that you are an employee of Ping An Bank and you can help him get a low-interest loan for free. On-site mobile phone code scanning application, the next payment on the spot. Many people think that they borrowed from Ping An Bank until the loan was paid off. Pit 2:

Specially provide high-interest loans to customers. Because the kpi assessment of Ping An Pratt & Whitney is very strict, there are performance assessment requirements for salesmen every week, month and quarter. Therefore, in order to complete the assessment task, salesmen must first give a Ping An Pratt & Whitney to every customer they meet. Many high-quality customers could have borrowed 5% monthly interest, but finally they were cheated by these salesmen to get the high-interest monthly interest 1.79. Pay twice the interest for no reason. What's even more hateful is that some salesmen directly cheat relatives and friends to be safe and inclusive in order to pass the examination. Many high-quality customers have been cheated like this.

How high is the interest of Ping An Pratt & Whitney?

At the beginning, the monthly interest rate of credit was 2 minutes and 38 cents, which was 3-4 times that of bank interest. After repeated attacks by the government, the credit interest rate dropped from 2: 38 per month to 65,438+0: 79, and then to the current 65,438+0 to 65,438+0, and the profit margin became smaller and smaller. It's not the main push anymore. At present, Ping An Pratt & Whitney mainly promotes housing mortgage loans with an equal monthly interest rate of 8% 9, which is three times that of banks.

Pit 3:

Mandatory collection of account management fees and tying insurance from customers. Take credit as an example: after scanning the application code, it shows that you have repaid the principal and interest with a loan of 65,438+10,000 yuan at a monthly interest rate of 8% for three years. The monthly repayment should be about 3,500 yuan, and the personal credit report also shows that it is only about 3,500 yuan per month. But the strange thing is that the actual monthly deduction on Ping An Pratt & Whitney's app is about 3,800. The extra 300 is the so-called account management fee. In addition, before the next paragraph, Ping An Pratt & Whitney will let you buy another Ping An insurance, otherwise you will not be given money. Why did you buy this insurance? What is insurance? The salesman of Ping An Pratt & Whitney can't tell himself clearly, but he wants to buy it anyway.

Is Ping An Pratt & Whitney Loan Reliable?

Ping An Pratt & Whitney loan is formal. To judge whether an online lending platform is legal, we only need to know the loan qualification, loan interest and collection method.

1. Lending qualification: Ping An Pratt & Whitney has obtained two small loan licenses from Chongqing Jinan Network and Hunan Ping An inclusive microcredit Co., Ltd., so Ping An Pratt & Whitney has no problem in lending qualification.

2. Loan interest: First of all, according to Chinese laws, it is illegal to issue usury if the annualized loan interest rate is above 36%. Judging from the current situation of Ping An Pratt & Whitney lending, the annualized loan interest rate is mostly within 20%, which does not touch the red line of usury.

Secondly, you may want to distinguish Ping An Bank from Ping An Puhui. Ping An Bank's loan interest is relatively low, with the interest in the previous year being around 6%, which is more suitable for normal consumption and operation. The disadvantage of Ping An Pratt & Whitney loan is that the interest is very high, basically above 15%. However, Ping An Pratt & Whitney Loan also has its advantages: First, it can be handled at home with thoughtful service; Second, the payment speed is fast, and the loan can be received in half an hour; Third, the approval is much looser than that of banks, and many customers with poor qualifications can also approve funds. Therefore, carefully choose the loan of Ping An Pratt & Whitney.

3. Collection method: In terms of collection, formal financial institutions continue to collect loans, and there are basically no violent collection methods such as exploding address books, threats and intimidation, and writing in big characters. Under normal circumstances, Ping An Pratt & Whitney Loans shall be collected by telephone, SMS and door-to-door. For borrowers who are seriously in arrears with loans, Ping An Pratt & Whitney Loan may take legal channels.

From the three aspects of loan qualification, loan interest and collection method, Ping An Pratt & Whitney loan is legal.

5. The process of Ping An inclusive loan is generally divided into five steps:

(1) The borrower submits the loan application materials to Ping 'an Puhui.

(2) The salesman conducts the preliminary examination according to the application materials submitted by the borrower.

(3) Ping An Pratt & Whitney passed the preliminary examination and credit investigation.

(four) to examine and approve the loan applications that meet the loan conditions.

If it is approved, notify the borrower to go through the relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall be explained to the borrower. After approval, the loan contract takes effect and the loan is finally issued. After this series of processes, the funds were quickly lent out and the project was carried out as scheduled.