What procedures are required for a Ping An Bank loan?

Submit the following information to the bank:

(1) Loan application approval form;

(2 ) My valid ID and copy;

(3) Proof of residential address (household registration book or receipts for rent, water, electricity, gas, etc. in the past three months);

(4) Proof of occupation and income (original and copy of work certificate; salary passbook issued by bank, etc.);

(5) Effective contact information and telephone number;

(6 ) Personal settlement account voucher opened at ICBC;

(7) Other information specified by the bank.

1. Women: 22-55 years old, men: 22-60 years old. The loan amount is 8,000 yuan to 300,000 yuan. Work in this unit for more than 3 months (the probation period has expired).

2. The monthly income before tax is more than 5,000 (if you have applied for a credit card in a bank and have a bank credit record, you can relax to a monthly income before tax of more than 3,000). Generally, if you meet the above conditions, you can get a loan amount It is 6-10 times your monthly salary.

3. Wages will be paid by card punch from the bank, not in cash.

4. Submit the salary slip printed by the salary bank and the work certificate from the employer.

5. Chinese citizens with full capacity for civil conduct and a second-generation ID card.

6. No bad credit record.

Extended information:

The loan application process of Ping An Bank is as follows:

1. Applicants need to open a loan repayment account at Ping An Bank.

2. The applicant then submits a loan application to the staff.

3. Ping An Bank conducts loan investigations on borrowers.

4. Ping An Bank reviewers review the loan information submitted by the borrower.

5. Ping An Bank branch will give the approval result for the loan application.

6. The applicant goes through the mortgage guarantee procedures.

7. Ping An Bank signs a loan contract with the applicant and issues the loan at the same time.

8. Ping An Bank completed the transfer of loan funds.

9. The applicant shall repay the principal and interest of the loan in accordance with the contract. How to apply for a credit card loan?

Credit card loan process:

1. You need to apply for a credit card to the bank and submit relevant supporting materials, such as proof of identity, proof of income, proof of employment, etc., and your personal credit is good;

2. Wait for bank approval;

3. After approval, you can get a card with a certain credit limit from the bank.

After the applicant gets the card and activates it, he can swipe the card to purchase the goods he needs. However, after overdrafting a credit card, the cardholder must repay it in full and on time to avoid leaving a bad credit record.

Credit card loan definition:

Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 20,000-200,000; there are three types of installments: 12 months, 24 months, and 36 months; there is no loan interest rate for credit, and the bank only charges a handling fee. The handling rates for different installments are Each one is different.

Credit card loan conditions

1. Hold a credit card from the bank applying for the loan;

2. Good card usage record;

3 , There are restrictions on the types of credit cards, such as China Merchants Bank’s commercial card, business card, purchasing card, ANA guaranteed card or supplementary card, which do not support cash installment business;

4. Cash installment payments cannot be used for investment (Including but not limited to house purchases, stocks, futures and other equity investments) and can only be used for consumption (including but not limited to decoration, home appliances, weddings, car purchases, student aid, travel, medical treatment, etc.).

Six banks support credit card loans:

Currently Industrial Bank, China Guangfa Bank, Ping An Bank, China CITIC Bank, Shanghai Pudong Development Bank, and Hua Xia Bank provide credit card loan functions.

At present, the application for credit card loan business is not very strict. As long as you have good credit and no bad repayment record, you can generally apply. The main methods used by banks are telephone invitations or proactive applications from customers. Through this method, you can apply for loan amounts ranging from 5,000 to 200,000.

Credit card loan transfer borrowing business is only suitable for people who want short-term loans. They can be used for capital turnover. It is not suitable for people who want long-term loans. Because after credit card transfer, although the cardholder can repay in installments, the longer the installment, the higher the interest. The monthly interest rate for 12 periods is about 0.75%, which means that 10,000 yuan has an interest of 75 yuan. If you borrow 50,000 yuan in advance and repay it in 12 installments, the monthly interest rate is 0.75%. Calculated in one year, the interest is 4,500 yuan. The current personal loan interest rate for 6 months to one year (inclusive) is 6.06%, and the loan interest rate for more than 5 years is 6.60%. Compared with traditional loans, the cost of credit card transfer loan business will be higher.

The difference between credit card loans and consumer loans

The scope of use of the two is different

General bank consumer loans will be fixed for the cardholder’s exclusive use, such as buying a house. Loans can only be used to buy houses, car loans can only be used to buy cars, renovation loans can only be used for renovations, consumer loans can only be used for specific types of consumption, and so on. Credit cards have a wider range of uses and are relatively more flexible. After applying for a credit card, you can pay by credit card at all merchants that accept credit cards.

The costs of the two are different

Consumer loans do not enjoy an interest-free period. Lenders need to repay each period on time from the effective date of the loan, and loan costs cannot be avoided. Credit cards enjoy an interest-free period of up to 50 days to 56 days. Cardholders are free of charge for overdraft consumption during the interest-free period. As long as the payment is repaid in full before the due payment date, there is no need to bear capital costs.

The convenience of application is different

Consumer loan application is cumbersome, the process is cumbersome, the approval is strict and the approval time is usually long. In many cases, applying for a consumer loan requires the applicant to provide relatively small amount of information. Many supporting documents, and even provide mortgages, guarantees, etc. Applying for a credit card is relatively easy. Customers can apply for a credit card through bank offline outlets, bank official websites and other websites, as well as through WeChat, mobile apps and other channels. During the application process, you only need to provide personal information and application materials such as proof of employment and income. Credit card approval times are relatively short and application is more convenient.

The repayment methods of the two are different

Consumer loans are repaid on a fixed schedule, while credit cards can be repaid in full, in installments or according to the minimum repayment amount, to the cardholder Provides more convenience. What are the requirements for Ping An Bank’s credit loan?

Ping An Bank’s credit loan conditions:

1. Chinese citizens with full capacity for civil conduct and holding a second-generation resident identity card;

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2. The age is between 23 and 55 years old;

3. The borrower’s working relationship, household registration, and property must be in the location of the branch of Ping An Bank;

4. The borrower’s credit record meets the requirements of the basic credit record identification standards.

Ping An Bank, whose full name is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. It is one of the three major business pillars of Ping An Group and is headquartered in Shenzhen, Guangdong. Its predecessor was Shenzhen Development Bank, which mainly engaged in financial and credit services.

Platinum card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks and other institutions. UnionPay card is a bank card jointly launched by China UnionPay and commercial banks and other institutions. The card number starts with 62 and has the UnionPay logo on the card surface. UnionPay cards only have the UnionPay logo on the card surface and no other card brand logos. They are also often called single-logo UnionPay cards. UnionPay cards are subdivided into four categories: ordinary cards, gold cards, platinum cards and diamond cards based on card levels and service rights.

Like other UnionPay cards, the UnionPay Platinum Card has a card number starting with 62 and a UnionPay logo on the card face. In terms of appearance, the card issuer identification area on the front of the card is printed with the "Platinum Card" product name in English or English and local common text, or the "PLATINUM" Platinum Card product identification pattern uniformly designed by UnionPay is used on the card surface. The base color of the card is usually metallic white gold. In addition to all financial functions, the UnionPay Platinum Card also provides a 24-hour exclusive platinum service hotline, online banking services, account change SMS reminder services, and counter priority services. In addition, some banks have equipped platinum cards with value-added services such as public transportation accident insurance, airport VIP lounge services, health exclusive medical care, golf reservation services, and financial management butlers.

The credit cards launched by Ping An Bank have different levels, and different levels have different limit ranges. It mainly has three levels: regular card, gold card and platinum card. The limit of regular card is usually between 3,000 and 10,000 yuan; while the limit of gold card is usually around 10,000 to 50,000 yuan; as for For platinum cards, most of them have a limit of more than 50,000 yuan. In addition, depending on the applicant's comprehensive qualifications, the credit card limit approved by the bank will also be different. If two people with different qualifications apply for the same Ping An credit card, the one with better qualifications will generally be approved for a higher limit. Of course, the credit card limit is not fixed. As long as you consume normally during the use of the card, repay on time, and maintain a good card repayment record, the bank will help you increase the limit.