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Salary loan

Salary loans are safe and easy loans, Ping An loan is a personal credit guarantee insurance product launched by Ping An Property & Casualty Insurance. By providing personal customers with credit guarantees, they can help customers quickly obtain unsecured micro loans from cooperating banks. The insured is a loan customer, and the insurer is a P&C insurance, which is considered to be a lending bank.

Salary loan

Ping An’s salary loan in China is a pure credit loan product.Loan amountWithin 200,000 yuan, the loan period is within 3 years.RepaymentFor the equal principal and interest, the loan can be repaid in advance within 1 month after the loan has been issued. If the repayment is less than half a year, the liquidated damage is 3% of the remaining loan principal; if the repayment lasts for six months to one year, the penalty is 2% of the remaining loan principal. If the repayment is more than one year, the liquidated damage is 1% of the remaining loan principal.

Salary loan product advantages:

1, no need to provide collateral, no need to provide guarantees for others;

2. The maximum loan amount can reach 200,000;

3. The minimum loan interest rate is 0.4%;

4. The loan period is up to 3 years;

5. As soon as the application information is completed, the loan can be issued within 3 working days.

How to handle salary loan

The lender can apply for a loan as long as the conditions are met:

1. Loans: white-collar workers (salary loans);

2. Age: Chinese citizens aged between 21 and 55;

3. Income: monthly income of more than 3,000 yuan;

4. Working hours: Work in this unit for more than 6 months.

Salary loan application information

1, ID card

2. Proof of income (bank payroll records such as bankbook records or bank water or salary slips for the past 3 months, or filling out the proof of income of the form files 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's official seal)

4. Proof of residence address (Utility payment bill - Any one of water, electricity and gas bills or photocopy of real estate certificate last month)

Payroll considerations

1. Payroll loan products must have credit records (including loan records, credit card records, etc.);

2, safe loansEarly repayment of liquidated damagesReceipt method: If the loan is less than 6 months, 3% of the unpaid amount will be charged; within 6 months to 1 year, 2% of the unpaid amount will be charged; if the loan is more than 1 year, 1% of the unpaid amount will be charged. . 3. Liabilities generally only refer to credit card liabilities, and liabilities such as home loans are not considered.

Chongqing Bank salary loan

The "salary loan" personal loan is a proxy for the issuing unit of a bulk credit line for individual consumer loans. According to the salary income of the employees, the rank of the employees, and the stability of the industry they are engaged in, the Bank provides a certain amount of credit to the borrower. The line of credit, and the borrower revolves around the consumer credit products used during the quota period and available credit.

1. For peace of mind, the information is simple: the unit and the employee only need to provide income, qualifications / identity documents and other information;

2. The line is high and can be recycled; the line is up to RMB 1 million, and it can be recycled and used with it.

3. No mortgage, faster: No need to provide mortgage guarantee, the process is simple, and the fastest one day can be paid;

4. Wide range of channels for use: loans can be used through online banking, telephone banking, online payment, counters and other channels;

5. Due to repayment of principal, the repayment pressure is small: the principal must be repaid before the loan expires, the fund is used more fully, and the repayment pressure is even smaller;

6. Wide range of loans: Can be used for consumer purposes such as car purchase, decoration, education, health care, leisure travel, shopping, etc.