What is the process for applying for a personal credit loan from Ping An Bank?

In the first step, the applicant submits application materials, loan application form and authorization letter to Ping An. , Copies of ID cards of the main lender and spouse; 2. Copies of household registration books of the main lender and spouse (the 1st, 2nd and 3rd copies are required); 3. Copy of marriage certificate, original single certificate, divorce certificate and Copy of the divorce agreement or court judgment; original personal income certificate of the main lender and spouse (valid with the official seal of the unit); 5. Copy of the property ownership certificate (real estate certificate, purchase contract and invoice, pre-sale contract and invoice); 6. The original copy of a recent utility bill (you can choose one of the three payment documents); 7. A copy of the main lender’s driver’s license (the driver’s license of yourself or your immediate family member is recognized by the bank); 8. Proof of assets: (1) and income Prove corresponding salary details (bank card details or tax receipts for the last three months); (2) Deposit details of the main lender or spouse, stock fund policy certificates; (3) Property certificates for multiple houses or income from rentals; (4) Work permit or badge (provide copies of multiple asset certification materials to facilitate bank review efficiency). In the second step, Ping An accepts the information submitted by the applicant and responds to the applicant within 2-3 working days; in the third step, Ping An reviews the applicant's information and, after passing it, signs a loan contract with the applicant and goes through relevant notarization procedures; fourth In the first step, Ping An will issue the loan within 1-2 working days; in the fifth step, the borrower will repay the loan on time according to the repayment method signed with Ping An; in the sixth step, the borrower will pay off the loan and terminate the relationship with Ping An. How to get a loan with Ping An Credit Card?

The loan method of Ping An Credit Card is divided into bill installments and a special reserve fund for consumption.

1. Bill installments

They are telephone application, online banking application and SMS application. The specific operation process is as follows:

1. Telephone application: Call Ping An Credit Card customer service number and transfer to manual → Apply for bill installment → Wait for customer service to verify identity → Inform the loan amount and period → Wait for SMS notification of the result.

2. Online banking application: Log in to Ping An Credit Card Online Banking → Click "Instalment Management" and select "Bill Installment" → Select the installment bill and installment time according to your needs.

3. SMS application: The cardholder receives the SMS of Ping An Credit Card bill installment invitation → confirms the installment amount and installment time → responds to the installment application instructions according to the content of the SMS.

2. Special reserve fund for consumption

Special reserve fund for consumption is a cash loan product provided by Ping An Credit Card to cardholders. The amount is between 2,000-300,000 yuan and the loan period is 6 issue, 12th issue, 18th issue or 24th issue.

The loan process is as follows: Log in to Ping An Credit Card Online Banking → Enter "Instalment Management" and select "Special Reserve Fund for Consumption" → Fill in the loan amount, term, and purpose → Enter the transaction password and dynamic SMS password → Wait for the Ping An Credit Card system Review results.

Extended information

Ping An Credit Card application conditions

Anyone who is over 18 years old, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation Any natural person can apply for a personal credit card master card from the card issuer with his or her valid identity document and other documents required by the card issuer.

The primary cardholder of a personal card can apply for supplementary cards for other qualified natural persons. The principal cardholder is fully responsible for repaying the debts incurred under the principal card and supplementary cards. Supplementary cardholders are jointly and severally liable for the debts incurred under the principal card and supplementary cards.

Ping An Bank credit card holders who have difficulties in cash flow can choose not to repay the current credit card balance in full, but choose to pay the minimum repayment amount, which is generally the lowest amount. The repayment amount is 10% of the amount due. To alleviate overdue credit card repayments caused by current financial constraints.

This kind of repayment behavior cannot enjoy the interest-free repayment treatment and needs to pay recurring interest to Ping An Bank.

Minimum repayment amount = 100 The unpaid portion of the minimum repayment amount in the previous period 100 Annual fee 100 Installment business The principal of each installment, the handling fee and the resulting interest 10 Transaction principal (cash withdrawal for consumption) 10 Fees (except annual fees) (Fees: including late fees, interest, loss reporting fees, damage repair fees, cash withdrawal fees, over-limit fees, etc.)

If you make normal repayments in the first month (that is, not lower than The minimum repayment amount in the current month's bill), the minimum monthly repayment amount will be automatically reduced from the original 10 to 5 from the next month. How to get a loan from Ping An Bank

The loan application process of Ping An Bank is roughly as follows. For application conditions, please click on the loan product name on the official website of Ping An Financial Flagship Store to view details.

How to borrow a loan from Ping An Bank

2

If it is a business loan, you can see it in the application conditions column after clicking to enter. Chinese citizens who need to hold a second-generation ID card must be between 25-55 years old and must have a good credit record. You can choose one of monthly payment, provident fund, tax bill and life insurance policy.

How to borrow a loan from Ping An Bank

3

The preparation information is clearly marked in the preparation information column of the corresponding loan product. For example, the documents you need to prepare for a business loan are the second-generation ID card and business license.

How to borrow a loan from Ping An Bank

4

Apply, if you meet the above conditions and prepare the required materials, click Apply Now and follow the system prompts to fill in the content and submit it, the bank account manager will proactively contact the corresponding person and then submit the information to the corresponding person. What are the loan methods of Ping An Bank?

There are two loan methods of Ping An Bank: online and offline. Taking personal credit loans as an example, the loan process is as follows: 1. The applicant submits application materials and loans to Ping An Bank. Application form and authorization letter. 2. Ping An Bank accepts the information submitted by the applicant and will respond to the applicant within 2-3 working days. 3. Ping An Bank will review the applicant's information. After passing the application, it will sign a loan contract with the applicant and go through relevant notarization procedures. 4. Ping An Bank will issue the loan within 1-2 working days. 5. The borrower repays the loan on time according to the repayment method signed with Ping An. 6. The borrower pays off the loan and terminates the loan relationship with Ping An Bank.