What are the conditions required for Ping An Bank s car owner loan?

With the improvement of living standards, many people want to buy a car, but the cost of buying a car is also very high, so they will go to the bank to apply for a car loan. If you want to apply for a car owner loan from Ping An Bank, you must meet the following 4 conditions before you can apply.

Conditions for applying for a car owner loan from Ping An Bank.

The applicant has a driver's license, and is a Chinese citizen between the ages of 22 and 60 with full capacity for civil conduct.

The private car driving license under the individual's name has been held for more than 3 months and the vehicle has been held within 10 years. If it is a used car, the transfer time needs to be more than 3 months.

The personal credit is good, the number of credit inquiries is less than 5 times in the past two months, and the debt ratio is less than 70%.

The vehicle to be loaned must be within the insurance period, and the owner needs to have lived in the current place of residence for at least 6 months, or work in the current place of residence.

Introduction to Ping An Bank's car owner loan.

Among so many bank car loans, the car owner loan provided by Ping An Bank is still better, it is an unsecured and unsecured credit loan for private car customers, and users can choose according to their actual situation. There is no need for collateral when applying for this loan, it is a pure credit loan, so the interest rate of this loan is also relatively high. However, these interests are also within the scope of the owner's responsibility, and they can be repaid within one month of the repayment period, and will not be considered overdue.

Therefore, compared with other loans, the car owner loan of this Ping An Bank is still very good, and the whole process will be operated on the first day, without you running around and down, and there is no need to sign in person, and the loan is also received in real time. However, this loan is also paid off on time, if you don't pay it off on time, it will also affect your credit information, and then when you apply for a mortgage or other loans at the bank, you may be stuck with a bank card and will not let you apply for a loan. After meeting the above conditions, the car owner can apply for a car owner loan at the outlets of Ping An Bank, which is also very convenient.

Ping An car loan application conditions and process, how much is the interest of Ping An car loan?

1.Applicants must be between the ages of 25 and 55;

2.Must have a legal and stable job and income**, and have the ability to repay principal and interest on time;

3.Personal credit is good, and there is no bad credit record;

4.The application must be a vehicle in the name of an individual and currently unsecured;

5.The vehicle has been purchased for no more than 7 years (subject to the date of first registration), the mileage is not more than 120,000 kilometers, and the appraised value of the vehicle is not less than 70,000 yuan.

It can be seen that the application conditions for safe car loans are still very simple, and the threshold is not high. Generally, ordinary office workers who have a car can apply. Of course, the better your comprehensive qualifications, the more you can borrow.

The minimum loan for a safe car is 50,000 yuan, and if it is high, it can be 500,000 yuan, and the maximum can be about 7% of the recognized car price. As for the loan term, it is 3 years.

The interest rate of Ping An Auto mortgage depends on the loan interest rate, loan funds and loan term, etc., and the calculation formula is interest = loan funds * loan interest rate * loan term, in which the loan interest rate is implemented in accordance with a certain proportion of the loan benchmark interest rate announced by the central bank, which shall be subject to the mortgage contract, and the loan funds generally do not exceed 70% of the actual value of the mortgaged vehicle.

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It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!

The car mortgage loan launched by Ping An Bank requires a good credit history. It is a loan product that does not charge the car, does not install GPS, has a maximum amount of 750,000, and is used for your legitimate personal consumption and business as soon as the same day.

1. Application conditions:

Age 22-60 years old;

The mobile phone number needs to be registered with the real name for one year;

did not apply for a Ping An credit loan;

Have a good credit history;

It is applicable to all imported brand and joint venture brand vehicles and the applicable period does not exceed 10 years (subject to the date of first registration registration), and the vehicle mileage does not exceed 150,000 kilometers; For a licensed and unmortgaged vehicle, the original vehicle must be held for at least 3 months; If the original vehicle is mortgaged to a microfinance company, guarantee company or pawn shop, the mortgage must be released for at least 3 months; If the registration certificate is lost and the record of reissuance, it must be reissued for 3 months or more.

If you have no credit history, you can also apply if you meet any of the following conditions:

Have paid wages on behalf of one year or more;

The spouse has a credit history of at least one year;

The father or mother has a credit history of at least one year.

The application conditions for Ping An car owner loan are:

1. Age 18 years old, (borrower's age + loan term) and 70 years old, must have full civil capacity;

2. Be able to provide legal and valid identification documents;

3. No personal bad credit record;

4. Personal legal assets with stable legal income or sufficient to repay the principal and interest of the loan.

To meet the above application conditions, the following application materials are also required: identity certificate, such as second-generation ID card, etc.; Proof of residence, such as a title deed or lease contract; Proof of income from the collection and dismantling of the property, such as bank statement or income certificate issued by the company, etc.

Ping An Car Owner Loan is a loan provided by Ping An Bank with the vehicle registration certificate as collateral, and as a bank loan, it is naturally necessary to verify the personal credit of the lender during the review process. If the borrower's credit report is not good, and the personal credit report has a bad credit record, then Ping An Bank will directly refuse to approve the loan. Therefore, if you want to successfully apply for a safe car owner loan, you must pay special attention to maintaining good personal credit.

In addition, the borrower also needs to be over 21 years old, and also need to have a reasonable, legal and stable economic fixed income. And the service life of the car shall not be higher than 10 years, the mileage shall not be higher than 150,000 kilometers, the assessed value of the car shall not be less than 10,000 yuan, and the car must be a non-operating car in the name of the borrower, and the license plate time will need to be completed for 3 months.

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Ping An Bank's car loan application only needs to provide personal identification to submit the car loan for preliminary review.

Car Loan Application Preparation Materials:

Proof of identity, proof of residence, proof of income.

Loan processing process:

Submission of application materials, bank approval, signing of contracts, and disbursement of loans.

Hello, happy with your question. Ping An Bank's car owner loan, the required conditions, are as follows. 1. The borrower must be between the ages of 18 and 60.

2. Have a stable income, a stable job, and a certain ability to repay. To take out a loan, first of all, the applicant must have a stable income and good repayment ability. 3. Good credit, the applicant's credit must be good, your personal credit can not have a bad record, most of the loan machines attach great importance to the review of personal credit, which is directly related to whether you can successfully take out a loan.

4. The vehicle must be owned by you, and the cracked ticket, procedures, and documents are complete.