An e-finance loan, is it a regular loan company?

E-finance loan is a product of China Ping An Insurance Company. China Ping An Insurance (Group) Co., Ltd. was born in Shekou, Shenzhen, 1988. With the support of governments at all levels, regulatory authorities, customers and all walks of life, it has developed into one of the three comprehensive financial groups in China. Ping An Bank is one of the shareholders of China Ping An Group Co., Ltd. approved by China Banking Regulatory Commission. Therefore, e financing is formal.

An electronic financing loan is an open credit loan for individuals and self-employed. From the perspective of loan purposes, electronic loans can be used for house purchase, car purchase, decoration, tourism, personal consumption and business operation. , a wide range of uses. Ping An Bank's financial electronic loan has the following characteristics: high amount: the maximum amount of financial electronic loan is 500,000 yuan; Quick loan: the fastest way to get a loan is the next day; Financial electronic loans can be granted for up to 3 years.

Conditions for applying for e-loan: age: the borrower is between 25 and 55 years old, and the maximum is no more than 56 years old; Capacity: the borrower needs to have full capacity for civil conduct, and there is no disease that cannot judge his capacity for civil conduct; Credit: micro-loans, consumer finance loans (such as bank consumption and industrial finance in China) and trust companies. If the loan amount exceeds 65,438+00,000, it can only be imported after settlement. If the amount is less than 65,438+00,000, it will not affect the purchase part. The acceptance of Alipay and WeChat is not affected. Debt ratio: the borrower's debt ratio shall not be higher than 75%; Spouse factor: when a married borrower applies for a loan, the spouse must know; Couples can only apply for loans; Judging from the credit records, there are less than three loans of the same nature with more than 6,543,800+or equivalent to three loans.

An e-loan is a service that Ping An Pan Hai cooperates with Jin Lu to provide customers with small consumer loans and commercial loans. Only by using a personal credit card can you apply for a loan in lufax with your ID card and bank card. The premise for customers to apply for loans is to do a good job in credit reporting and formal work. You cannot apply for Ping An Electronic Loan or lufax in other loan departments of Ping An. You can also apply for payment for more than 6 months. Other information requirements: valid second-generation ID card, bank debit card, business stability certificate (provided by individual industrial and commercial households), original and photocopy of motor vehicle driver's license, and screenshot of vehicle information online inquiry (such as screenshot of vehicle illegal information inquiry, etc.). ), photos of vehicles (body and tail photos are required, and the account manager and borrower must be included in the photos), screenshots of auto insurance network (relevant physical evidence of auto insurance policy can be provided for some reason), marriage certificate (for identifying spouse's property), household registration book (for identifying spouse's property), and proof of property information file), loan amount: 300,000-500,000, loan term: 36 months, and repayment method: repayment of principal and interest on a monthly basis.