Is the handheld car loan reliable?

First, is the handheld car loan reliable?

Reliable. Extended data:

Ping An car loan is not an independent loan product of Ping An Bank, but one of the uses of personal credit loan launched by Ping An. After applying for a "new loan", the borrower can use the loan to buy a car. According to reports, Ping An car loan has four characteristics: 1. Free of guarantee: Ping An car loan does not need collateral, and Ping An will review the borrower's credit and lend money. If the borrower has good credit, he can apply for Ping An car loan; 2. Convenient application: When applying for a loan, the borrower can apply through the Internet or telephone. After Ping An passes the preliminary examination, the borrower only needs to go to Ping An Bank once; 3. Fast loan: Ping An car loan can be obtained as soon as possible, which is tantamount to giving timely help to those who need to buy a car urgently; 4. High loanable amount: based on the borrower's salary income, the maximum loanable amount is 500,000, which is completely enough for general automobile consumption and purchase. Classification of car loans: There are three different types of car loans, and each type has different requirements for loan application conditions and repayment interest. Three kinds of car loans are mainly: enterprise car loans, interest-free loans and mortgage loans. The first type: enterprise car loan. Company car loan refers to the loan type in which the borrower is an enterprise legal person. When handling the car loan, you need to submit the relevant identity certificate, income data certificate and property certificate of the legal representative. In addition, unlike ordinary car loans, enterprise car loans also need to submit basic information of the enterprise, including business licenses and other relevant certificates. The second type: interest-free loans. Interest-free car loan is a preferential activity of car loan carried out by car dealers. Interest-free car loans are mainly aimed at two situations: one is specific models, and the cars that can get interest-free car loans are generally the models designated by dealers, but not all cars can enjoy the benefits of interest-free loans. The second is the car loan with a large monthly repayment amount. If the car purchased by the loan needs to repay a large loan amount every month within the most common loan period, the borrower is under great repayment pressure, and generally can get the opportunity of interest-free car loan. The third type: mortgage loan. The most common type of car loan is automobile mortgage. In order to get the support of auto loan, it is necessary to provide certain asset mortgage to the bank as mortgage guarantee for repayment, so as to avoid the loss of the lender's capital interests when the borrower cannot repay. Generally, after the mortgaged property is paid off, the mortgage relationship can be lifted and the property ownership can be returned to the owner.

2. Is Ping An Bank's pocket car loan reliable?

Ping An Pocket Car Loan is an online product of Ping An Pratt & Whitney in automobile mortgage. The product is authentic, effective, safe and reliable. However, as a loan, the interest expense is 0.85, so it is suggested to plan the expense reasonably. Be cautious in investing.

3. What are the advantages and disadvantages of Ping An Bank's pocket car loan?

Advantages:

1, with low loan interest.

The biggest advantage of bank car loan is the low interest rate, so many car buyers choose bank car loan to buy a car.

2, there is no vehicle type restriction.

Credit card installment and auto financing company loans have certain restrictions on car models, which is not conducive to car buyers to choose cars, while bank car loans have no restrictions on car models, and borrowers can choose their favorite models.

3. Long loan term

It is reported that the longest term of bank car loan can reach five years, while the longest term of credit card installment payment is three years.

4. The loan amount is high

The maximum amount of bank auto loan can reach 70% of the vehicle appraisal value, but the specific amount will depend on the borrower's qualification.

Disadvantages:

1, high threshold

Bank loans have higher requirements for borrowers. If personal qualifications are not particularly good, it is generally difficult to obtain loans.

2. Long approval time

Banks have always been very cautious, so it takes a long time to approve the qualifications of borrowers. If the borrower doesn't have enough patience, I believe the bank car loan is not suitable for you!

4. What are the benefits of the insurance of Ping An Bank's car loan 3900?

You can let me go back to practice. 100% does not affect the loan.