Is the interest rate of Ping An loan high? Is the interest rate of Ping An loan in Zhihu high?

How about the loan interest of Ping An Bank?

Speaking of Ping An, most people should still stay at the insurance level, but in fact Ping An Group has also launched a credit business. In addition, Ping An Group is the first joint-stock insurance company in China, and its enterprise qualification background is very strong, so the loan from Ping An Bank is still very reliable, so you can rest assured.

Of course, the interest of Ping An Bank loan is related to personal credit and liabilities. At the time of application, the platform will make a comprehensive score, and according to the final approval and the credit benchmark interest rate, it will be given a corresponding upward adjustment. At present, the monthly fixed interest rate of Ping An Bank loan is between 1.29%- 1.89%, and the interest is not very high.

It is estimated that most people have heard of Ping An Insurance, but they are not familiar with Ping An Bank loans. Ping An Insurance was the main business of Ping An Group at first, and then gradually introduced financial services such as loans. Because of "youth", some people worry that Ping An Bank is not reliable. In fact, such doubts are unnecessary. From the security point of view, Ping An Bank's loan is reliable. Although it does not belong to the four major banks in China, it is also supervised by the People's Bank of China and the China Banking Regulatory Commission, and the interest rate is relatively low. The loan period you can choose is also relatively long and the procedures are relatively simple. Now many people apply for loans and choose Ping An Bank. As a relatively high-ranking bank in the current market, it is more reliable to provide users with a variety of financial and credit services. However, users who apply for loans at Ping An Bank also need to know more about bank loans.

China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it needs to be audited by an insurance company with repayment ability, which is equivalent to Ping An Group's guarantee. The lender shall pay the insurance premium to Ping An Group in one lump sum after obtaining the loan, and deduct the bank interest and monthly repayment amount regularly every month. It is impossible to borrow money from banks without collateral, and the new "credit guarantee insurance" of Ping An Group has solved this problem. The lender has no collateral, and the bank is worried that the customer can't repay the money and can't control the risk, so the bank gives the risk management to Ping An, and Ping An will check the customer's information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination. For customers with credit insurance, with Ping An Group as the credit guarantee, they can directly bring the credit policy to the cooperative bank to sign a "personal consumption loan" contract. After the contract is signed, the cooperative bank will lend the money to the applicant's account according to the date stipulated in the contract.

Is the interest on Ping An Pratt & Whitney loan high?

Ping An Pratt & Whitney loan is formal. To judge whether an online lending platform is legal, we only need to know the loan qualification, loan interest and collection method.

1. Lending qualification: Ping An Pratt & Whitney has obtained two small loan licenses, namely Chongqing Jinan Network Small Loan License and Hunan Ping An Pratt & Whitney Co., Ltd., so Ping An Pratt & Whitney has no problem in lending qualification.

2. Loan interest: First of all, according to Chinese laws, it is illegal for the annualized loan interest rate to be above 36%. Judging from the current situation of Ping An Pratt & Whitney loan, the annualized loan interest rate is mostly within 20%, and there is no red line.

Secondly, you may want to distinguish Ping An Bank from Ping An Puhui. Ping An Bank's loan interest is relatively low, with the interest in the previous year being around 6%, which is more suitable for normal consumption and operation. The disadvantage of Ping An Pratt & Whitney loan is that the interest is very high, basically above 15%. However, Ping An Pratt & Whitney Loan also has its advantages: First, it can be handled at home with thoughtful service; Second, the payment speed is fast, and the loan can be received in half an hour; Third, the approval is much looser than that of banks, and many customers with poor qualifications can also approve funds. Therefore, carefully choose the loan of Ping An Pratt & Whitney.

3. Collection method: In terms of collection, formal financial institutions continue to collect loans, and there are basically no violent collection methods such as exploding address books, threats and intimidation, and writing in big characters. Under normal circumstances, Ping An Pratt & Whitney Loans shall be collected by telephone, SMS and door-to-door. For borrowers who are seriously in arrears with loans, Ping An Pratt & Whitney Loan may take legal channels.

From the three aspects of loan qualification, loan interest and collection method, Ping An Pratt & Whitney loan is legal.

5. The process of Ping An inclusive loan is generally divided into five steps:

(1) The borrower submits the loan application materials to Ping 'an Puhui.

(2) The salesman conducts the preliminary examination according to the application materials submitted by the borrower.

(3) Ping An Pratt & Whitney passed the preliminary examination and credit investigation.

(four) to examine and approve the loan applications that meet the loan conditions.

If it is approved, notify the borrower to go through the relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall be explained to the borrower. After approval, the loan contract takes effect and the loan is finally issued. After this series of processes, the funds were quickly lent out and the project was carried out as scheduled.

Is the loan interest of Ping An Bank high?

I feel that the loan interest of Ping An Bank is not high. Some time ago, I applied for Ping An White Collar Loan from Ping An Bank, with a high amount and low interest. The maximum loan is 654.38 million yuan, and the annual interest rate is not high. I think it's very good, and the loan is fast.

Let's stop here for the introduction of high interest rate of Ping An loan.