Ping An New Loan Risk Reminder SMS

Really, but it's similar to mass advertising.

1. Ping An Pocket Bank is a brand-new mobile financial service platform specially launched by Ping An Bank for users of Android operating system. Through it, you can control your financial assets anytime and anywhere. Innovative and fashionable design style and easy-to-use operation interface make the mobile banking experience more creative, fresh and interesting. The whole communication is encrypted to ensure information security.

2. Ping An Bank is a very good and reliable bank (formerly Shenzhen Development Bank). The interest rate of personal credit loan products of Ping An Bank is reasonable at 0.6%-0.83%. Relatively speaking, the interest rate of credit loans is still relatively low. It is estimated that the small partners who have had loan experience also feel that the products can be passed and lent without anyone applying. The risk control system of Ping An Bank is very strict. Here Bian Xiao introduced which users can apply and which users can't.

Three. Who can apply?

1. Have social security and provident fund for more than half a year, and have a stable job if the credit record is not blank.

2.3-year four-time life insurance policy. If the credit record is not blank, the job is stable.

3. If the mortgaged house has been mortgaged for more than half a year, the credit history is not blank, and they have a stable job.

Anyone who meets one of the above conditions can apply. If your credit history is overdue, you apply for credit cards many times, you apply for online loans many times, your credit information is confusing, and you are sued, you should not apply for a security risk control system that will basically fail. About loan interest. Ping An Bank's new loans are divided into three grades of interest. By occupation, civil servants and employees of public institutions are the first, with the lowest interest, ordinary office workers in private enterprises are the first, with interest higher than that of civil servants and public institutions, and private owners are the first, with the highest interest. At that time, the highest interest rate was 18.36% annualized, and now the interest rate should be reduced after the high law (not concerned recently, uncertain). As far as I know, the normal staff of Ping An Bank will not directly tell customers that the interest rate is above 6% (of course, it is not excluded that some account managers will directly say that there is no absolute thing). First, because the contract interest rate is not easy to mislead customers, they were caught complaining to the banking supervisor. Second, telling customers the actual contract interest rate can scare them away. What should I do? Account managers often say how much is the total interest of a loan in one year and how much is the monthly interest, so that customers can understand that the interest is more than 8%.