Ping An car loan must be paid in full.

What are the basic conditions for Ping An Bank to apply for a car loan?

What are the basic conditions for Ping An Bank to apply for a car loan?

Ping An Bank's car loan application can be submitted to the preliminary examination of car loan only by providing personal identification.

Preparation materials for car loan application:

Proof of identity, residence and income.

Loan processing flow:

Submit application materials, bank approval, contract signing, loan lending.

What are the conditions for Ping An loan in China?

Hello, the general requirements of the borrower's conditions:

1. The borrower is between 22 and 65 years old and has full capacity for civil conduct.

2. Good credit information, repayment ability and repayment source.

3. The purpose of the loan is clear and legal, and the loan shall not be used for stock, securities and futures speculation, real estate speculation, or used for borrowing to seek illegal income.

4. Collateral (collateral cannot be mortgaged across provinces, and the borrower has the right to completely dispose of it, and the collateral is not mortgaged, so there is no legal provision).

What information do I need to apply for a car loan in Ping An Bank?

Ping An Bank provides customers with convenient services more conveniently when handling loan procedures. The procedures required by Ping An Bank for "New One Loan" applicants include: loan application form, second-generation ID card, work certificate or labor contract issued by the recent unit (indicating that the working time shall not be less than 6 months), income certificate, loan purpose commitment letter and a copy of Ping An Bank debit card. bank.pingan/youhui/xinyidaiwmcar.shtml

What are the conditions for Ping An Bank to apply for a full auto loan?

Registration certificate, driving license, commercial insurance, compulsory insurance.

What are the conditions for buying a car loan safely?

Property ownership certificate or homestead certificate (purchase contract and invoice)

I and my spouse's ID card/household registration book/driver's license

Marriage certificate (marriage certificate/divorce certificate/divorce agreement)

Proof of income of my spouse and me.

People from other places need temporary residence permits.

Water/electricity/gas/property payment documents or proof of residence in the last three months.

Bank passbook or certificate of deposit/stock/fund/national debt/insurance and other property certificates.

What are the requirements for applying for a Ping An loan?

Tips: There is no charge before lending: 1. Advantages of our products: no mortgage, quick approval, fastest payment 1 day, and flexible repayment method! 2. Loan amount:1-153,000. Loan Term: 1 year, 2 years Applicant qualification: (Premise: the applicant has a good credit record, and has used a credit card or handled any form of bank loan business! ) 1, domestic residents (excluding compatriots from Hong Kong, Macao and Taiwan) 2, age 2 1-55 years old 3, working or living in Suzhou (household registration is not limited) 4. Proof materials required for applying for a loan (photocopy): 1, and identification: ID card (front and back). Office worker: The bank has been in operation for almost three months. 4. Proof of address: living in a private house: provide a copy of the real estate license and a bill of payment for the last 1 month (water, electricity, gas, fixed telephone,); Rent: lease contract, recent 1 month rent receipt and payment list (water, electricity, gas, fixed line,). Auxiliary certificate: property certificate (which can improve the loan amount and approval rate). My contact information is my registered name.

What are the procedures for Ping An Bank to borrow money to buy a car?

Buying a car with a loan is very common now. Compared with buying a car in full, buying a car with a loan takes up less family funds and is more conducive to family financial management in the long run. The so-called car loan refers to a new loan method in which banks provide RMB-guaranteed loans to car buyers who buy cars at their special dealers. There are basically three channels to apply for car loans, the first is banks, the second is auto finance companies, and there are also internet financial platforms. So what are the procedures for applying for a car loan? We can learn about it through bank loans.

When car buyers apply for loans from banks, they need to meet the corresponding conditions first. These conditions include:

Car buyers must be at least 18 years old and be China citizens with full capacity for civil conduct; Car buyers must have a relatively stable job and a relatively stable economic income or assets that are easy to realize in order to repay the loan principal and interest on schedule; During the period of applying for a loan, the car buyer deposits the down payment of the car into the account of the savings counter of the handling bank, which is lower than that stipulated by the bank; Provide bank-approved guarantees to banks. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan; Car buyers are willing to accept other conditions that the bank deems necessary.

After meeting the above conditions, car buyers need to submit corresponding procedures when applying for loans, including:

Copy of ID card, copy of household registration book, copy of marriage certificate, income certificate, bank statement and copy of real estate license. If the applicant has no personal property, he can guarantee it through a company with related business. In addition, when applying for different car loans, there may be some procedural differences, which applicants need to pay attention to.

In addition to banks, internet financial platforms can also apply for car loans. For example, in Ping An Pratt & Whitney, you can apply for a loan to meet the demand for car purchase, and the procedures it requires are simpler. To apply for a loan in Ping An Pratt & Whitney, you need to submit different materials according to different products. For example, applying for a salary loan requires proof of income, while applying for a life insurance loan requires proof of life insurance. But relatively speaking, it is more convenient to apply for loans in Ping An Pratt & Whitney, and the lending speed is much faster than that of banks.

What are the conditions for Ping An Bank to borrow money to buy a car?

In order to solve many problems of consumers' demands for car loans, Ping An Bank lowered the conditions for car loans. A new loan product was introduced without any guarantee or mortgage. You don't have to go through complicated examination and approval procedures to apply for a loan in a bank. You only need to take your ID card, residence certificate, income certificate and work certificate, and spend about ten minutes filling out a loan application form to apply for a loan. If you don't want to apply to the bank, you can fill in the loan application through the internet. If you don't know about the loan, you can call the loan hotline and apply for a loan without leaving home. Moreover, Ping An Bank's loan time is short, the fastest is 1 day, and it has a unique remote approval mode, so that you can get unsecured loans only by visiting 1 time.

Can I borrow money to buy a car? Ping an bank loan.

Bank car loan: if you don't have real estate, find a friend with real estate as a guarantee, or find a loan from a guarantee company! Ping An's car loan interest rate will rise by 30%. If you have a credit card, see if you can borrow it! If it is a high-quality company or a listed company, the loan conditions can be reduced!

Loan conditions of Ping An Bank

Punch pay for half a year, social security, legal citizen

Where can I get a loan if I have a full car?

Go to Ping An Bank.

If you have a full loan car, you can go to Ping An for a loan. At present, there are two ways to borrow money for the whole vehicle, one is to charge the vehicle; In addition, don't detain the car and press the formalities.

Among them, the loan amount for handling automobile mortgage procedures will be relatively high, and the maximum loan amount can reach 90% of the assessed value of the vehicle. However, this loan method needs to hand over the vehicle, that is, the owner needs to hand over the vehicle to the other party after the vehicle mortgage registration. As for the second method, although the borrower can still use the vehicle after the vehicle mortgage registration, the maximum loan amount is only 80% of the vehicle evaluation value.

At present, all major banks provide mortgage loans, and you can go to the bank for a full car loan. You can apply for a mortgage loan with a full car in your name, and you can go to any bank. But it is best to choose national joint-stock commercial banks, because larger banks have more funds and better services, such as Ping An Bank, China Merchants Bank, China Construction Bank and Industrial and Commercial Bank.

If you want to get a smooth loan for the whole car, you need not only the car that the owner mortgaged has enough value, but also good credit, stable income and the ability to repay the loan principal and interest on time.

Conditions for applying for full auto loan:

1. The loan applicant must be at least 18 years old and have full capacity for civil conduct;

2. Good credit record, no overdue information about other car loans, a fixed occupation or business, and predictable repayment sources;

3 there is a clear purpose of borrowing, and the purpose of borrowing should be reasonable and legal;

4. Have a local account. If it is a foreign hukou, you need to live and work in the city where you apply for a loan for a long time;

5. The borrower must be the owner of the vehicle, and the vehicle is a non-modified, used car maintenance and car loan industry employee;

6. The vehicle license plate is a local license plate, and there has been no major accident in the vehicle;

7. The service life of the vehicle is less than 5 years, and the model can be a car or a commercial vehicle;

8. Registration certificate, driving license, driver's license, insurance policy and spare key are complete;

9. The vehicle has been purchased for more than 3 months, and the owner has no criminal record of reeducation through labor or has been reeducated through labor.

Can a black household apply for a car owner loan in Ping An Pratt & Whitney if it has a full car?

Yes To apply for a car owner loan, you only need to fill in the information, and black households can apply for the whole car. In essence, owner loan refers to a mortgage loan obtained by customers with the ownership of their own vehicles as collateral.

Can't Ping An owner's loan be a full car loan? The answer is here.

Ping An Car Owner Loan is a vehicle mortgage loan product provided by Ping An Bank for car owners. Known as "one car can be loaned", the maximum loan amount is 500,000. Only use the registration certificate, and the vehicle can run as usual. As long as the information is complete and the mortgage procedures are handled, the loan can be released as soon as possible. Then, isn't Ping An car owner loan a full car loan? Let's analyze it together.

1. Can Ping An's car owner loan not be considered as the full car loan?

Usually not.

Ping An car owners' loans are actually divided into car loans and car loans:

1, "having a car loan" does not mean that you can continue to apply for a car owner loan if you have a car loan. To apply for a car loan, you need to apply for a current unsecured vehicle in my name and mortgage the motor vehicle registration certificate. If it is not a full car, then the current car should be in a mortgage state, and the motor vehicle registration certificate is generally detained in the bank, so it cannot be taken back for mortgage twice before the loan is settled.

2. Provide "no car loan" for customers who have purchased auto insurance. The application conditions also require that the vehicle under the owner's name has no car loan, and the vehicle insurance is within the validity period, and the applicant, the owner and the insured should be consistent. Therefore, there is no application condition for a non-full car that is being mortgaged for repayment.

Second, a warm reminder

In fact, Ping An Bank has launched many products besides car owners' loans. For example, the new loan is an unsecured and unsecured credit loan, which is issued to working people or business people. The loan amount is 300,000-500,000, with a maximum of 500,000, which is the same as the owner's loan, but it does not need a car mortgage, and the purpose of the loan can be achieved regardless of whether it is a full car or not.

The above is about "Isn't the owner loan a full car loan?" I hope I can help you.