The entry threshold for new loan products is relatively low. Basically, those who have monthly payment, provident fund and monthly payment policies can pass the loan approval, support online approval, and have the advantage of fast lending, which is especially suitable for individual office workers and small and micro business owners who urgently need money. However, the interest of this product is relatively high, starting from the annualized interest rate of 10.8%, and the final interest is generally between 12%- 16%, and it is a repayment method with equal principal and interest, so the repayment pressure is relatively high. Therefore, everyone should consider their actual needs before applying.
Precautions:
1. The new loan is strict with the applicant's age. The minimum age of the applicant is 23 years old, and users below that age cannot apply for new loans.
2. The new loan requires the applicant to work for at least 6 months at present. If he can't provide a valid work certificate, he will be rejected.
If you want to apply for a new loan, you need a stable source of income. The monthly income of users in Beijing, Guangzhou, Shenzhen and Hangzhou is not less than 5,000 yuan, and the monthly income of people in other regions is not less than 4,000 yuan.
4. Because it comes from the bank, there are requirements for the applicant's credit information. If the applicant has a bad credit record or a black credit account, the possibility of rejection is usually above 90%.
Ping An Bank continuously optimizes and upgrades to meet the financing needs of consumers. It has successively developed and continuously optimized product systems including Credit Easy Loan, Jinlingtong 2.0, PayPal, mortgage and so on, continuously improving the customer experience and allowing customers at different levels to compete for safe, reliable, convenient, preferential and innovative financing channels.
Yantai Branch of Ping An Bank opened up the whole industrial chain through Orange E network to realize public-private linkage. We should not only be core customers, but also focus on the upstream and downstream suppliers of core customers, and use platforms such as Orange E-Net, Internet of Things, Credit Card, Bank E-Link, Gold Bank, Industrial Fund and wealth management to realize the financial convenience of one customer, one account and multiple products, and provide customers with one-stop service.