Ping An Pocket Car Loan includes four products: owner loan, free purchase, new car loan and used car loan.
Among them, the owner's loan is a loan secured by the vehicle registration certificate, and the loan funds are mainly used for consumption or business of individuals and families except buying houses. Free purchase is a flexible car loan. This loan product does not limit the brand and model of the vehicle, and customers can withdraw money before buying a car.
As for new car loans and used car loans, they are auto finance products, and the loan funds can be used to buy new cars and used cars (not for business purposes or other personal consumption purposes other than car purchase).
The loan amount that the owner can provide is between 300,000 yuan and 500,000 yuan; Buy at will between 30,000 and 300,000 yuan; New car loans and used car loans can provide a maximum loan amount of 5 million yuan. However, it should be noted that the amount of new car loans and loans purchased at will cannot exceed 85% of the car purchase amount, and the amount of used car loans cannot exceed 70% of the car purchase amount.
Also, the owner can borrow12,24,36,48 months; You can borrow it for 36 months at will; The new car loan can be used for 12, 18, 24, 36, 48 and 60 months; Used car loans can be borrowed for 36 months.
1. How to apply for Ping An Pocket Car Loan?
Ping An Bank's "Pocket Car Loan" is a WeChat applet that provides car loan services for individual customers. The products mainly include car owner loans, free car purchases, new car loans and used car loans.
If a customer wants to apply for a car owner's loan or buy it at will, just log in to WeChat APP on his mobile phone, click "Discover" in the menu bar at the bottom of the page, select the "applet" column, enter "pocket car loan" in the search box, search for the "pocket car loan" applet, click "View Credit/Apply Now", fill in the application information as prompted, and then submit the application.
If a customer wants to apply for a new car loan or a used car loan, he can scan the QR code of the account manager at the dealer and fill in the application information. After submission, the account manager will accompany you.
It should be noted that customers must meet the following conditions before applying:
Application conditions for owner's loan of handheld car loan:
1. The age is between 22 and 60 (inclusive);
2. Have a stable and legal source of economic income;
3. Personal credit is good.
Brand model: iPhone 1 1
System version: iOS 15.0
Wechat app version: v8.0. 16