1, Ping An Bank credit loan interest rate:
The loan interest rates of Ping An Bank are all set according to the central bank's LPR interest rate, and the minimum loan interest rate is 10% based on the central bank's LPR interest rate. For example, the central bank's five-year loan interest rate is 3.85%, and Ping An Bank's minimum credit loan interest rate is 4.9%.
Each borrower's qualifications are different, and the loan interest rate that each borrower can apply for when applying for a credit loan is also different. Credit loan is a high-risk product for banks. The better the borrower's qualification, the lower the loan interest rate that can be given. If the borrower wants to apply for a lower loan interest rate, he might as well pay more attention to his personal credit report before applying for a loan. In addition, you can also find ways to become a quality customer of Ping An Bank, such as handling Ping An Bank's credit card, purchasing wealth management products and insurance.
2. Lending time of Ping An Bank's credit loan:
Credit loans of Ping An Bank will generally be released within 1-3 working days after approval. After the borrower submits the loan application, Ping An Bank needs 1-3 working days for approval. Generally speaking, it takes about 7 days from the borrower to submit the loan application materials-loan approval-loan issuance.
Ping' an large consumption loan
Large consumer loans are one of the main uses of unsecured personal credit loans (new loans). It is a personal credit loan issued by Ping An Bank to wage earners who plan to buy large items to meet the borrower's consumption demand for high-priced goods such as furniture, electrical appliances and jewelry. There is no need for guarantee and collateral, and the average monthly income is used as the basis for judging the loan amount, and the maximum loan can be 500,000.
Ping An Bank's "New Loan" is a personal consumption loan business launched by Ping An Bank, which does not need any collateral. Generally speaking, a formal loan company loan has the following basic loan conditions:
1, with China nationality (excluding Hong Kong, Macao and Taiwan residents);
2. The age is between 2 1-55 years old;
3. Work certificate: the work income certificate is stamped with the official seal or personnel seal, and has worked or lived in the application place for more than half a year;
4. Have a stable job, and the monthly income of employees is not less than 2,000 yuan (the bank has been running for the last three months); Enterprise legal person (it has been flowing to public or private banks in the last six months);
5. Proof of address:
Generally speaking, if the information is prepared in advance, 1-3 days can get the money. Be careful not to pay any fees before the loan is successful. Need ID card, running water, work certificate, etc. I suggest that you can inquire about the conditions of local formal loan companies in accelerating loans and choose to apply and handle them according to your own situation.