supplementary information: Ping An Bank's loan service hotline is 445136, and the working hours of loan business consultation are 8:3-18:. Please call the hotline during working hours. At the same time, because it is a manual customer service service, it is recommended to try to dial this number from Monday to Friday on weekdays.
Commercial insurance can make the following two kinds of loans: 1. Policy loans, which are loans from purchased insurance companies. Generally, the amount is not large. The new regulations clearly stipulate that it should not exceed 8% of the cash value, but at the same time, the interest is relatively low. Most of them are close to 6%/ year, and most of them need to be repaid once every six months. 2. Policy credit loans, which generally come from Ping 'an Pratt & Whitney and some financial Pratt & Whitney companies. The interest rate is relatively high, and the annual interest rate is between 9% and 3% according to personal credit information. Repayment is generally in the form of equal principal and interest every month, and the loan amount is relatively large, and the maximum loan can be 5 times of the annual payment.
according to the relevant regulations of China banking regulatory commission, any loan shall not be used to invest in the stock market, futures market or any other equity investment. Ping An Easy Loan Insurance loan can be used for any reasonable enterprise's capital turnover and emergency or capital shortage, including purchasing materials.
as we all know, it's impossible to borrow money from a bank without collateral, but Ping An Group's new "credit guarantee insurance" has solved this problem. The lender has no collateral, and the bank is worried that the customer can't pay back the money and can't control the risk, so the bank leaves the risk management to Ping An to check the customer's information. If Ping An determines that the applicant has sufficient repayment ability after examination, it will sign a "credit guarantee insurance" policy with the customer. Customers with credit insurance are equivalent to those with Ping An Group as credit guarantee. They can directly bring their credit policy to the cooperative bank to sign a "personal consumption loan" contract. After the contract is signed, the cooperative bank will lend money to the applicant's account on the date stipulated in the contract.
The micro-loan is 1,-15,, free of mortgage and guarantee. The loan speed is 1-3 working days (depending on the customer's information integrity and professional status), but the premium is quite high. Take a loan of 1, yuan for one year as an example, the premium alone needs 2,1 yuan (the premium is calculated at 2.6% per month), but the repayment method of Ping An Easy Loan is equal monthly.
conditions for handling loans with Ping An Easy Loan Insurance
Loans covered by Ping An Easy Loan Insurance can be used for any reasonable personal or family consumption, and office workers, individual industrial and commercial households and private enterprises can apply for loans for some business needs, such as travel, study and further study, house decoration and purchase of production equipment.
An applicant who applies for "Ping An Easy Loan Insurance" must meet the following requirements: he/she has China nationality (excluding Hong Kong, Macao and Taiwan residents), is 21-55 years old, lives in the city he/she applied for, has worked in his/her current company for 6 months, and has a monthly income of 2, yuan. Once the customer is insured successfully, the cooperative bank can promise that the loan will arrive in the account quickly.
Personal loan
The easiest loan channel. Unsecured, fast! Applicants only need to be 21 years old and earn more than 2, yuan a month. They can apply for a personal consumption loan of up to 15, yuan for the first cooperation.
Easy monthly repayment
The repayment period can be divided into 12 or 24 installments
You can choose the most suitable one according to your actual repayment ability!
tailor-made to meet your different needs
loan amount: 1, yuan-15, yuan.
China nationality (excluding Hong Kong, Macao and Taiwan residents)
age 21-55 years old
stable work and income (working in the current unit for more than 6 months or self-employed for more than 1 year)
Easy monthly repayment
The repayment period can be divided into 12 and 24 installments
You can choose the most suitable one according to your actual repayment ability!
tailor-made to meet your different needs
loan amount: 1, yuan-15, yuan
small and medium-sized enterprises registered in Wuxi, Jiangyin and Yixing Industrial and Commercial Bureau
registration time of more than one year (including one year)
company business certificate
legal person identity certificate
company income certificate.