Ping An Bank loans are reliable. Ping An Bank is a commercial bank established with the approval of China Banking Regulatory Commission, which can carry out loan business and is a reliable loan bank.
As one of Chinese mainland 12 national joint-stock commercial banks, Ping An Bank's loans are naturally completely reliable. At present, Ping An Bank's loan business ranges from personal unsecured credit loans to mortgage loans, car loans and personal small consumer loans. As a fully formal bank, everyone can use the loan with confidence.
Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks, headquartered in Shenzhen, Guangdong. Formerly known as Shenzhen Development Bank, it is the first publicly listed national joint-stock bank in China.
China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it still needs the insurance company's audit to repay the loan, which is equivalent to being guaranteed by Ping An Group. The lender shall pay the insurance premium to Ping An Group in one lump sum after obtaining the loan, and deduct the bank interest and monthly repayment amount regularly every month.
It is impossible to borrow money from banks without collateral, and the new "credit guarantee insurance" of Ping An Group has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank handed over risk management to Ping An to check customer information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination.
It can be said that the threshold of this loan product is the lowest among all platform loans, and its functions are relatively comprehensive. Some platforms are difficult to approve if they have loan records before, but they can continue to lend in Ping An Bank. No matter whether you have paid the monthly payment or used the housing provident fund loan before, you can pass the loan approval again, and all the approvals are online. As long as the conditions are qualified, it is very convenient to lend money quickly.
How to apply for a credit card loan?
Credit card is a very common way to collect consumption in our daily life. Because it is under the control of banks, it is more reliable than other lending platforms on the market. Everyone knows that credit cards can also handle loans. In addition, there is no loan interest rate for credit card loans, only a handling fee. So how to apply for a credit card loan, and what are the ways of credit card loan? Let's study it together.
First, how to apply for a credit card loan?
Credit card loan conditions: First, you must hold a credit card of the lending bank with a good credit card record. The loan amount cannot be used for gambling and investment, and can only be used for personal consumption.
Credit card loan process: call the bank customer service number-provide credit card information-bank audit.
Second, the credit card loan method
Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit, and banks only charge fees. The fee rates are different at different stages.
1, credit card loan to buy a car, the loan amount is between 200,000 and 200,000, and the loan period generally does not exceed 3 years. No interest is charged after the application, only the installment fee is charged.
2. Shopping in the credit card mall is in stages. Users can pay by credit card when shopping online, or they can pay in e-commerce companies such as JD.COM and Taobao. When the amount is large, they can choose to repay by installments, including 3 installments, 6 installments, 12 installments or 24 installments, and repay the principal and interest every month.
How to apply for a loan by credit card, I believe everyone is very clear. Generally speaking, credit card loans are more creditworthy, because with the strong support of banks, there will generally be no problems in the process of lending. But everyone should pay close attention to their repayment time, and timely repayment is the most correct choice.
Can I get a credit card loan?
Credit card loan process:
1. You need to apply for a credit card from the bank and submit relevant supporting materials, such as identity certificate, income certificate and work certificate. , and your personal credit is good;
2. Waiting for bank approval;
3. After approval, you can get a card with a certain credit limit granted by the bank.
After the applicant activates the card, he can swipe his card to buy the required goods. However, after the credit card is overdrawn, the cardholder must repay 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 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit, and banks only charge fees. The fee rates are different at different stages.
Credit card loan terms
1. Hold the credit card of the bank applying for loan;
2. Good card use record;
3. There are restrictions on the types of credit cards, such as China Merchants Bank business card, official card, purchase card, ANA guarantee card or supplementary card, and cash installment business is not supported;
4. Cash installment funds shall not be used for investment (including but not limited to equity investments such as house purchase, stocks and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).
Six banks support credit card loans:
At present, Industrial Bank, Guangfa Bank, Ping An Bank, China CITIC Bank, Shanghai Pudong Development Bank and Huaxia 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 invitation or active application by customers. So they can apply for loans ranging from 5,000 to 200,000.
Credit card lending business is only suitable for short-term borrowers. They can be used on it, but they are not suitable for long-term borrowers. Because after the credit card transfer, although the cardholder can repay the loan in installments, the longer the installment time, the higher the interest. The monthly interest rate of 12 installment is about 0.75%, which means that 10000 yuan will have interest from 75 yuan. If you borrow 50,000 yuan in advance, 12 installment repayment, the monthly interest rate is 0.75%, and the annual interest is 4,500 yuan. At present, the interest rate of personal loans for six months to 1 year (inclusive) is 6.06%, and the interest rate of loans for more than five years is 6.60%. Compared with traditional loans, the cost of credit card transfer loans will be higher.
The difference between credit card loans and consumer loans
The scope of use of the two is different.
Generally, bank consumer loans will be earmarked for cardholders. For example, housing loans can only be used to buy a house, car loans can only be used to buy a car, decoration loans can only be used for decoration, and consumer loans can only be used for specific types of consumption. Credit cards are more widely used and relatively flexible. After applying for a credit card, all merchants who can pay by credit card can pay by credit card.
The cost is different.
Consumer loans do not enjoy interest-free period, and lenders need to repay each installment on time from the effective date of the loan, so the loan cost is inevitable. Credit cards enjoy a maximum interest-free period of 50 -56 days, during which cardholders can freely overdraw. As long as the repayment is made in full before the due repayment date, there is no need to bear the capital cost.
The convenience of application is different.
Consumer loan application is troublesome, complicated and strict, and usually takes a long time. In many cases, applicants need to provide more supporting documents, even mortgages and guarantees. Applying for a credit card is relatively easy. Customers can apply for credit cards through offline outlets of banks, official website, WeChat and mobile apps. In the application process, you only need to provide personal information and application materials such as work certificate and income certificate. Credit card approval time is relatively short, and it is more convenient to apply.
The two repayment methods are different.
Consumer loans can be repaid regularly, while credit cards can be repaid in full, in installments or at the minimum repayment amount, which provides more convenience for cardholders.