：
I. Ping An Pratt & Whitney Loan Conditions:
1. The borrower is at least 2 1 year old and has full capacity for civil conduct; 2. Personal credit information is good and there is no record of major breach of contract;
2. Have a stable income, which can guarantee to repay the arrears on time. It is worth noting that there are many types of loans on Ping An Pratt & Whitney, and different types of loans require different conditions. The types of loans provided by Ping An Pratt & Whitney include car owners' loans, life insurance loans, wage loans, e-house business loans, and owner loans. Different loan types give different credit lines when applying, and the loan interest rate given by the platform is also different when handling loans. Users need to apply according to their own actual situation.
3. Loans handled on Ping An Pratt & Whitney must be returned on time, and there can be no overdue situation, because there will be penalty interest after the overdue period. The longer the time, the more penalty interest. Moreover, after the deadline, the platform will upload the overdue records to the credit information center, which will lead to the deterioration of personal credit information and affect the handling of subsequent loans. Ping An Pratt & Whitney is the general name of the joint venture company of China Ping An Insurance (Group) Co., Ltd., which is engaged in financing guarantee, financing consultation, microfinance and other businesses. It mainly provides loan services for small and micro business owners, individual industrial and commercial households and ordinary wage earners.
Two. The interests of Ping An Pratt & Whitney's main credit products are as follows:
1, i The loan shall bear interest on a daily basis, and the interest and guarantee fee shall be collected according to the loan balance, with the daily rate below 0. 1%.
2. There are several installment plans for e-home loan, with different interest rates. In addition to a one-time payment of 3% handling fee, there are also annual interest rates and monthly guarantee fees: ①6 installments: annualized interest rate of 8.2% and monthly guarantee fee of 0.5%; ② Period 12: annualized interest rate is 8.6% and monthly guarantee fee is 0.56%; ③24 installments: annualized interest rate of 8.8% and monthly guarantee fee of 0.38%; ④36 installments: the annualized interest rate is 9.2%, and the monthly guarantee fee is 0.4%. Note: The annualized interest rate of E-house loan is calculated according to the monthly residual principal, and the monthly guarantee fee is calculated according to the monthly loan principal.
3. Users in need can also consider borrowing from some reliable online lending platforms. BAT's three major credit products are "hard enough in the background", which are relatively reliable. Borrowing is the credit product of Ali Ant Financial, micro-loan is the credit product of Tencent Weizhong Bank, and money flower is the credit service brand of Baidu Finance. Users who need it can consider it.