How to handle

It is a comprehensive consumer loan with individuals or enterprises as the core, and the loan amount is generally above 1 yuan and below 2, yuan. The handling process generally needs to be guaranteed. It is an extension of micro-loan in technology and practical application. In China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of the company has rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of the three rural areas and small and medium-sized enterprises.

Path 1: Bank

If you have a good credit record and a stable job and income, you can go to the bank to handle it. Borrowing through this way can not only get a lower loan interest rate, but also be safe and reliable, which is the best choice for borrowers. However, if the loan threshold is too high, not everyone can get what they want. Therefore, before applying for a bank, the borrower had better evaluate his own situation to see if it is suitable for bank loans, so as to save the time for loan approval.

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Path 2: Small loan company

In addition to banks, borrowers can also apply for loans from small loan companies. Compared with banks, small loan companies not only have a low threshold, but also lend quickly, but the loan cost is slightly higher, because in addition to interest, they have to pay a certain amount of handling fees.

In addition, in terms of security, small loan companies are also slightly inferior to banks, so I would like to remind everyone that if you want to find a reliable small loan company, you should remember not to pay any fees before you get the loan, besides visiting in person.

way 3: credit card

many people think that credit card is a simple consumption tool, but in fact, credit card is also a short-term one. Moreover, compared with traditional banks, credit cards have one more advantage, that is, cardholders can enjoy an interest-free period. In other words, after the cardholder overdraws his credit card, he can enjoy interest-free as long as he repays before the specified repayment date, and the maximum period can be 56 days.

How to get a loan from a bank

The process for an individual to get a loan from a bank is as follows:

1. Applicants prepare the materials needed for the application, go to the loan bank to fill out the loan application form and submit relevant materials at the same time;

2. The loan bank conducts the audit and investigation before the loan according to the application materials;

3. After the approval, the borrower and the loan bank sign a loan contract;

4. If you apply for a mortgage loan, the borrower also needs to go through mortgage registration and other procedures;

5. After all the formalities are completed, the loan bank issues the loan and the borrower repays the loan on time.

The requirements for an individual to apply for a bank loan:

1. The applicant must be a natural person with full capacity for civil conduct;

2. Having a permanent residence in the town or a valid residence status requires the borrower to have a legal status;

3. Have a stable occupation and income, good credit and the ability to repay the loan principal and interest;

4. Some banks will require applicants to have applied for their own credit cards or borrowed money from our bank, and their credit records are good.

5. Some banks also require that assets recognized by the bank be provided as collateral or pledge, or that units or individuals who meet the prescribed conditions and have the ability to compensate are used as guarantors to repay the principal and interest of loans and bear joint and several liabilities.

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What is the general process of Ping An Pratt & Whitney loan application?

The general process of Ping An Pratt & Whitney loan application:

1. Registration and application

2. Real-time approval, credit line

3. Remote interview, no need to go to the door

4. Mobile phone signing, successful loan

Ping An Pratt & Whitney products

1. I loan: Ping An Pratt & Whitney launched product I loan, which can be released in 3 minutes at the earliest.

2. Excellent mortgage (property certificate is required, and private owners need to provide business license);

3. Owner's loan (driving license, vehicle registration certificate and commercial auto insurance policy are required and vehicle insurance is within the validity period);

4. Salary loan (proof of income and work is required),

5. Owner loan (proof of real estate is required);

6. Life insurance loans (life insurance policy materials are required), etc., and constantly improve and innovate according to market demand.

Extended information:

Mortgaged loan business

Ping An Pratt & Whitney launched home e-loan products for users with large loan amount. The borrower must be a China citizen aged 25-55 (Chinese mainland residents only) and one of the property owners of the mortgaged property.

advantages of e-home loan

1. The maximum loan amount is 5 million

2. Lending is fast, and it can be done in one day at the earliest

3. The annualized cost starts from 1.7%

4. The repayment is flexible, and the loan can be repaid in advance without handling fee for more than one month.

Safety risk control

Ping An Pratt & Whitney has established a complete set of credit risk management, annual cost and so on. It includes a central risk control mechanism that runs through the whole process of credit before, during and after, and adopts a periodic risk management method to dynamically monitor customer information through the "three lines of defense" of regular business departments, approval risk control centers and risk control departments.

In addition, Ping An Pratt & Whitney's big data advantage accumulated in the past 11 years has innovated the risk control model and used the leading technology of the international consumer credit industry for reference to continuously optimize our risk control model, so that customers can obtain more dimensions of evaluation in the model, and continuously improve the central risk control management mechanism of credit risk management and credit management system.

At the same time, the scorecard model used by Ping An in inclusive finance draws lessons from the leading technology of the international consumer credit industry, and combines its own accumulated business data for many years, based on credit records, customers' natural attributes and third-party big data information, comprehensively evaluates customer risks.