You can apply for self-service at Ping An Bank in official website. The specific method is as follows:
First, open Baidu search, enter "Ping An Bank" in the search bar, find Ping An Bank official website after the search and click Enter.
Second, after entering official website of Ping An Bank, find a "personal loan" under personal business, and then choose the specific loan type. Here, I take the new generation as an example.
Third, after entering a new loan, you can know the conditions of the loan and so on, and then click "Apply Now" to enter.
4. After entering the application interface, enter the corresponding information according to the system requirements, and then click Submit to complete the whole process of online loan application.
How to apply for a loan from Ping An Bank with a business license?
1, personal business license loan
It is understood that self-employed individuals can't get loans only with their business licenses. In the process of applying for a loan, the self-employed need to provide a business license. If applying for an unsecured loan, they also need to provide a bank account for more than half a year to the lending institution. The identity certificate of the applicant, the credit of the applicant and the applicant enterprise are good, and they must have sufficient repayment ability. If the borrower applies for mortgage loan, it also needs to provide relevant certificates of collateral.
2, SME business license loans
Generally speaking, banks mainly examine the credit of small and medium-sized enterprises to make loans. The first thing to examine is settlement credit and loan credit, as well as commercial credit, financial credit and tax credit. Only after investigating the above-mentioned credit problems can the enterprise be considered qualified for loans. Enterprises with the above qualifications shall submit the following materials as required by the bank:
Loan application, company profile, copy of company business license, enterprise code certificate, tax registration certificate, special industry production and operation license, qualification certificate, articles of association, capital verification report, introduction of legal representative, corporate loan ID card, legal representative identity certificate issued by the company and other materials required by the bank. After that, it can be submitted to the bank for review, and the bank can make a loan after review.
Conditions for applying for a business license loan:
1, with full capacity for civil conduct and local household registration;
2. Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source;
3, can provide legal, full and easy to realize the mortgage (pledge);
4. Open a deposit account in a loan bank.
Business license is a necessary item to apply for a loan, but a separate business license cannot be used for a loan. Because the approval of bank loans is relatively strict at present, if you go to a commercial bank for unsecured loans, you need at least half a year's running account, and you have good enough business conditions to prove your repayment ability. At the same time, you can apply for a loan after meeting other conditions required by the loan bank.
How to borrow unsecured loans from Ping An Bank enterprises?
Unsecured loans for enterprises refer to bank loans obtained by enterprises with their operating ability and credit without providing collateral. So how do you apply for an unsecured loan from Ping An Bank? What are the requirements?
I. Loan Requirements of Ping An Bank Company
1. The bank requires the enterprise to continue to operate for three years;
2. The invoice turnover of the enterprise in the last six months must be above 654.38+500,000.
3. Invoicing (VAT invoice), annual report for two years, monthly report for the last month, and invoice status for the last six months.
4. The applicant's personal loan in the past three months cannot be overdue, and the corporate debt ratio cannot exceed 60-70%.
Two. Information required for corporate loans of Ping An Bank
1 Original and photocopy of business license
2. Original and copy of tax registration certificate
3. Original and photocopy of organization code certificate
4. Articles of Association and all relevant amendments and changes.
5. Latest capital verification report
Copy of loan card of China People's Bank.
7. Account opening permit issued by the People's Bank of China.
8. Identity cards of shareholders holding more than 0/5% shares of the company/KLOC-.
9 Running bank statements for the last 6 months
10 company's financial certificate for the last 6 months.
What are the procedures and conditions of Ping An Bank's loan?
Submit the following information to the bank:
(1) loan application approval form;
(2) my valid identity certificate and a copy;
(3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months);
(4) proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );
(5) Effective contact information and telephone number;
(6) Personal settlement account voucher opened in China Industrial and Commercial Bank;
(seven) other information required by the bank.
1, female: 22-55, male: 22-60. The loan amount is 80-300,000 yuan. Work in this unit for more than 3 months (after the probation period).
2. Pre-tax income of monthly salary is more than 5,000 (if you have applied for a credit card in the bank and have a bank credit record, you can relax it to more than 3,000). Generally speaking, if you meet the above conditions, the amount you can borrow is 6-65,438+00 times your monthly salary.
The salary will be paid by the bank in the form of punching, not in cash.
4. Issue the salary list printed by the salary bank and the work certificate of the employer.
5. China citizens with full capacity for civil conduct and second-generation identity cards.
6. No bad credit record.
Extended data:
Ping An Bank loan application process is as follows:
1. The applicant needs to open a loan repayment account with Ping An Bank.
2. Then the applicant applies for a loan from the employee.
3. Ping An Bank conducts a loan investigation on the borrower.
4. The auditor of Ping An Bank shall review the loan information submitted by the borrower.
5. Ping An Bank Sub-branch gives the approval result of the loan application.
6. The applicant shall go through the formalities of mortgage guarantee.
7. Ping An Bank signs a loan contract with the applicant and issues loans at the same time.
8. Ping An Bank completed the transfer of loan funds.
9. The applicant repays the loan principal and interest as agreed in the contract.
Baidu Encyclopedia-Ping An Bank Loan