Is the white-collar loan of Ping An Bank reliable?

Reliable. Ping An white-collar loan is a large amount of capital rights and interests for white-collar workers with stable income and good credit. For example, white-collar customers in high-quality industries such as institutions, financial industries, state-owned enterprises, leading enterprises and high-quality listed companies can provide a maximum amount of 6.5438+0 million yuan, which can be used for large capital expenditures such as marriage, tourism, decoration, car purchase and study abroad. It is unsafe and can be extracted online, which saves many complicated procedures. Apply for a line, valid for three years, without interest, just like a spare small change wallet, which can be withdrawn at any time if necessary.

1. What is a personal loan?

Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

2. What is the purpose of personal loan?

Personal loan applications can be used for personal business or personal consumption other than personal business. Local and foreign currency loans for personal consumption, production and operation, etc. , the provisions of the loan interest, agreed to repay the principal and interest on schedule, for the purchase of owner-occupied housing, consumption or small investment operations.

3. Basic conditions for handling personal loans:

1. First of all, whether you have reached the age of 25, whether you have full capacity for civil conduct, and whether you have a fixed residence or a valid residence certificate in China.

Secondly, it depends on whether you have a fixed occupation or a stable economic income, and whether you have the ability to guarantee the repayment of principal and interest on time.

3. Next, check whether your credit record is good, and never have a bad credit record.

4. In addition, can you provide a legal and effective guarantee recognized by the bank?

Finally, see if you can meet other conditions stipulated by the bank.