Ping An car owner loan credit requirements, what conditions are required for Ping An car owner loan

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.

Ping An Auto Mortgage.

The interest 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, where the loan interest rate is according to the central bank.

Published benchmark lending rates.

A certain percentage shall be implemented, which shall be subject to the mortgage contract, and the loan funds will generally not exceed 70% of the actual value of the mortgaged vehicle.

If you have capital turnover needs, it is recommended that you use money to spend, and money to spend is Du Xiaoman Finance.

Its credit service brand (formerly known as: Money to Spend

It was renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

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: Your second-generation ID card needs to be provided during the application process.

My own debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and a temporary ID card cannot be used.

Expired ID card and first-generation ID card. 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, the maximum amount is 5-500,000, the maximum loan is 10% of the assessed value of the vehicle, and the loan amount is used for legal personal consumption and business loans.

1. Application conditions:

Age 25-55 years old (inclusive), customers who purchase performance insurance can be relaxed to 22-60 years old (inclusive);

The mobile phone number needs to be registered with real name and has been at least one year;

The vehicle has been purchased for no more than 7 years (subject to the date of first registration), the number of kilometers driven < = 120,000 kilometers, and the appraised value of the vehicle is more than 70,000 yuan (inclusive).

2. Application materials: ID card, marriage certificate, residence certificate, asset certificate, vehicle registration certificate, loan purpose certificate;

3. Loan term: 12, 24 and 36 installments.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

1. 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.

2. 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.

3. The personal credit report 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%.

4. The vehicle applying for the loan needs to be within the insurance period, and the owner needs to live in the current place of residence for more than 6 months, or work in the current place of residence.

The main content of Ping An Bank's car owner loan is: a loan business designed for people who have car insurance, no pledge, simple raw materials, applicable to all commercial service car insurance policies, fast rate, faster 30 minutes to pay, foreign license plates can also be applied for.

What are the advantages of Ping An Auto Loan (New Car Loan): 1The threshold is low, the application materials are simple, as long as the income is stable and the credit is good, you can apply.

2.The quota is high, with a maximum of 5 million, but not more than 8% of the appraised value of the vehicle. 3.

Fast disbursement, the fastest approval on the same day, 1 working day disbursement. 4.The term is long, 12-60 months can be selected, and the maximum is 5 years.

5.There are various repayment methods, such as equal principal amount, equal principal and interest, monthly interest payment and repayment of principal at maturity, and balloon loan.

1. Car loan classification.

There are three different types of auto loans, each of which has different requirements for loan application conditions and repayment interest, and the three types of loans are mainly corporate car loans, interest-free loans, and mortgage loans.

The first type: corporate car loans. In addition, unlike ordinary car loans, corporate car loans also need to submit the basic information of the enterprise, including business licenses and other relevant certificates.

The second type: interest-free loans. Interest-free loan for cars is a preferential activity for car loans carried out by car dealers, and interest-free car loans are mainly aimed at two conditions:

One is a specific model, generally can get interest-free car loan for the type of car designated by the dealer, not all cars can enjoy the benefits of interest-free loans. The second type is a car loan with a large monthly repayment, if the loan purchaser needs to repay a large amount of the loan every month during the most common loan term, there is a huge repayment pressure on the borrower, and the opportunity to obtain an interest-free car loan can generally be obtained.

The third type: mortgages. The most common type of car loan is the mortgage loan of the car, in order to obtain the support of the car loan, it is necessary to provide the bank with a certain amount of asset collateral as a mortgage guarantee for repayment, so as not to lose the capital interest of the lender when the borrower is unable to repay the loan.

Generally, after the repayment of the mortgaged property is completed, the mortgage relationship can be cancelled and the ownership of the property will be returned to the owner.

Ping An Bank car loan application conditions:

To apply for a car mortgage loan, the borrower, co-borrower, and guarantor need to meet the following conditions:

1. There is a car loan branch of our bank in the city where the car is purchased;

2. At least 18 years old and the age of the borrower + the loan term is not more than 70 years old;

3. Legal and valid identification documents must be provided;

4. No bad credit record;

5. Have a stable legal income or personal legal assets sufficient to repay the principal and interest of the loan;

6. Nationals from Hong Kong, Macao and Taiwan and foreigners must comply with the relevant regulations of the national and local authorities.

If you borrow, it is convenient and easy to borrow money on the Du Xiaoman platform. Du Xiaoman's credit service products have money to spend, providing users with safe and convenient, unsecured and unsecured credit services.

The daily interest rate of the consumer loan is as low as the daily interest rate and the annualized interest rate is as low as the annual interest rate, which has the characteristics of simple application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

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

Note: Only debit cards are supported, and the application card is also your debit 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.

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.

There is a good chance that it will not pass.

Credit is a very important personal credit embodiment, if your credit is accidentally spent, you must come up with enough information to prove that you have a certain economic strength. If you are unable to provide sufficient information to prove that you have the ability to repay the principal and interest of the loan on time, there is a high chance that your application for a Ping An car loan will be rejected. In addition, whether the audit can be passed is based on the comprehensive assessment of your business variety, personal solvency, credit status and other factors, and can only be determined after the approval of the office of the excavation and judgment department.