Ping An Pratt & Whitney is a well-known domestic loan platform with a large number of die-hard fans. Some friends want to apply for a new loan before Ping An Pratt & Whitney's loan has been paid off. Then, can Ping An Pratt & Whitney Loan be refinanced? I am here to answer your question.
As a large-scale loan platform, Ping An Pratt & Whitney can provide you with a variety of loan products. Because each product has its own characteristics, some Ping An Pratt & Whitney loans can be repaid first, and some can't. Introduce the details of several loan products to you.
I loan is one of the main pure credit loans of Ping An Pratt & Whitney, which can provide you with a loan of up to 30,000 yuan with a minimum daily interest of up to 36 months. Let's take a look at Ping An Pratt & Whitney's loan through I loan first, and see if it can be loaned again if it has not been repaid. I loan supports multiple loans at the same time, that is, the loan is not repaid, but it can be borrowed again as long as there is a quota.
Life insurance loan is a loan product designed by Ping An Pratt & Whitney for policyholders. The maximum amount is 500,000 yuan, the longest term is 36 months, and the monthly interest rate is between. Let's take a look at Ping An Pratt & Whitney's life insurance loan. If it hasn't been repaid yet, let's see if we can borrow again. Whether life insurance loans can be used for multiple loans at the same time depends on the specific situation.
If you want to know if Ping An Pratt & Whitney loan can be refinanced, I suggest you inquire in the following three ways:
1. Check the loan contract to see if your loan product accepts multiple loans at the same time;
2. Contact your loan specialist and ask about the situation;
Can Ping An Pratt & Whitney Loan be refinanced if it has not been repaid?
As long as it's not overdue. Conditions for applying for loan business:1natural person aged 8 to 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Other conditions stipulated by the bank.
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I. Ping An Pratt & Whitney Loan Conditions:
1. The borrower is at least 2 1 year old and has full capacity for civil conduct; 2. Personal credit information is good and there is no record of major breach of contract;
2. Have a stable income, which can guarantee to repay the arrears on time. It is worth noting that there are many types of loans on Ping An Pratt & Whitney, and different types of loans require different conditions. The types of loans provided by Ping An Pratt & Whitney include car owners' loans, life insurance loans, wage loans, e-house business loans, and owner loans. Different loan types give different credit lines when applying, and the loan interest rate given by the platform is also different when handling loans. Users need to apply according to their own actual situation.
3. Loans handled on Ping An Pratt & Whitney must be returned on time, and there can be no overdue situation, because there will be penalty interest after the overdue period. The longer the time, the more penalty interest. Moreover, after the deadline, the platform will upload the overdue records to the credit information center, which will lead to the deterioration of personal credit information and affect the handling of subsequent loans. Ping An Pratt & Whitney is the general name of the companies under the joint venture company of China Ping An Insurance (Group) Co., Ltd. that carry out financing guarantee, financing consultation and other businesses. It mainly provides loan services for small and micro business owners, individual industrial and commercial households and ordinary wage earners.
Two. The interests of Ping An Pratt & Whitney's main credit products are as follows:
1, i The loan shall bear interest on a daily basis, and the interest and guarantee fee shall be collected according to the loan balance, with the daily rate below 0. 1%.
2. There are several installment plans for e-home loan, with different interest rates. In addition to a one-time payment of 3% handling fee, there are also annual interest rates and monthly guarantee fees: ①6 installments: annualized interest rate of 8.2% and monthly guarantee fee of 0.5%; ② Period 12: annualized interest rate is 8.6% and monthly guarantee fee is 0.56%; ③24 installments: annualized interest rate of 8.8% and monthly guarantee fee of 0.38%; ④36 installments: the annualized interest rate is 9.2%, and the monthly guarantee fee is 0.4%. Note: The annualized interest rate of E-house loan is calculated according to the monthly residual principal, and the monthly guarantee fee is calculated according to the monthly loan principal.
3. Users in need can also consider borrowing from some reliable online lending platforms. BAT's three major credit products are "hard enough in the background", which are relatively reliable. Borrowing is the credit product of Ali Ant Financial, micro-loan is the credit product of Tencent Weizhong Bank, and money flower is the credit service brand of Baidu Finance. Users who need it can consider it.
20 18, with a loan of 200,000 yuan from Ping An Bank. I just paid it back in three years. Can I borrow it again?
Of course.
After the loan is paid off, you can apply for a loan again. Loan applicants need to meet the application conditions of lending institutions, and a good repayment record can help lenders get better loans.
Ping An loan application conditions:
1. The borrower is over 18 years old and has full capacity for civil conduct.
2. Work permit with valid identification.
3. Open a personal settlement account in Ping An Bank.
4. Submit the loan application and the bank flow in the last six months.
5. Credit report.
6. Other loan conditions stipulated by Ping An Bank.
My credit loan in Ping An Bank was 654.38 million yuan, which has been paid off now. Can I keep borrowing it?
The credit loan has been paid off,
As long as the page has a quota, users can apply again.
If the credit loan is a revolving loan, you can apply again after obtaining the quota. Instead of revolving loans, you need to get the quota again when you apply for a loan, and you need to pass the system audit again to get the quota again. However, regardless of whether the loan amount is revolving or not, users can apply for loans again.
Because credit loans do not need guarantee and mortgage, and the application threshold is low, users need to maintain a good credit record to have a chance to pass the loan review.
I borrowed money from Ping An pocket and went to Ping An Bank to make a car owner loan. Can I refinance?
Yes, Ping An Bank owner loan supports multiple loans. You can apply through Ping An Pocket according to your actual situation.
So much for the introduction of Ping An Loan.