Ping An’s salary loan is a pure credit loan product.Loan amountWithin 200,000 yuan, the loan period is less than 3 years.RepaymentFor the same amount of principal and interest, the loan can be repaid in advance after one month of payment, and the repayment is less than half a year. The liquidated damages are 3% of the principal of the remaining loan; the repayment is half a year to one year, and the liquidated damage is 2% of the principal of the remaining loan. , the repayment of more than one year, the liquidated damages is 1% of the principal of the remaining loan.
Salary loan product advantages:
1. There is no need to provide collateral, no need to provide guarantees from others;
2. The loan amount can be up to 200,000;
3. The loan interest rate is at least 0.4%;
4. The loan term is up to 3 years;
5. The loan of up to 3 working days can be issued from the date of completion of the application materials.
How to handle salary loans
The lender can apply for a loan as long as the conditions are met:
1. Loan people: white-collar workers (salary loans);
2. Age: Chinese citizens between the ages of 21 and 55;
3. Income: monthly income of more than 3,000 yuan;
4. Working hours: Work continuously for more than 6 months in this unit.
Salary loan application materials
1, ID card
2. Proof of income (bank payroll record such as passbook record or bank flow or payroll for nearly 3 months, or fill in the proof of income from the format file provided by Ping An Company, cover the official seal of the company)
3. Work certificate (copy of labor contract or work certificate issued by the company, stamped with company official seal)
4. Address certificate (public utility bill - any one of the water, electricity and gas bills of the previous month or a copy of the real estate certificate)
Salary loan considerations
1. Salary loan product loans must have credit records (including loan records, credit card records, etc.);
2, safe and easy to lendEarly repayment penaltyHow to collect: If the loan is less than 6 months, it will be charged 3% of the unpaid amount; if the loan is within 6 months to 1 year, 2% of the outstanding amount will be charged. If the loan is more than 1 year, 1% of the outstanding amount will be charged. . 3. Liabilities generally refer only to credit card liabilities, and liabilities such as mortgages are not considered.
Chongqing Bank Salary Loan
The “salary loan” personal loan refers to the issuing unit that obtains the credit line of the personal consumption loan. The Bank provides certain credit to the borrower according to the salary income of the employee, the rank of the employee, the stability of the industry in which it is engaged, etc. The credit line, and the borrower's consumer credit products used for circulation within the quota period and the available amount.
1. Handling peace of mind, simple information: units and employees only need to provide income, qualifications / identity documents and other information;
2. The quota is high and recyclable; the maximum amount is 1 million yuan, which is recycled and used as a loan;
3. Unsecured, faster: no need to provide mortgage guarantee, the process is simple, the fastest one day can be released;
4. Wide use of funds: loans can be used through various channels such as online banking, telephone banking, online payment, and counters;
5. The principal is due and the repayment pressure is small: the loan needs to be returned to the principal after the loan expires, the funds are used more fully, and the repayment pressure is smaller;
6. Wide use of loans: It can be used for consumer purposes such as car purchase, decoration, education, health care, leisure travel, shopping, etc.