How much is the interest of Ping An Bank's real estate mortgage loan?

The monthly interest rate of 1. is only 8.6%, and the annual interest rate is 10.4%, which is the lowest interest rate in the existing credit loan market in Baoding.

There is no handling fee, which saves you a lot of extra expenses.

If the lender applies for Ping An Bank's decoration loan, credit loan, car loan and other products. According to the lowest loan interest rate of Ping An Bank in official website, the one-year loan interest rate is 4.35%, the one-to-five-year loan interest rate is 4.75%, and the five-year loan interest rate is 4.9%.

If the user applies for a loan of 654.38 million yuan, if the user applies for a one-year loan, the loan interest is 4350 yuan. If you apply for a loan for one to five years, the total loan interest is between 4750 and 23750 yuan. If you apply for a loan for more than five years, the loan interest is 4900 yuan x years.

If the lender applies for a personal housing loan in Ping An Bank, according to the data of relevant institutions, the average loan interest rate of the first suite of Ping An Bank is 5.4%. In this way, the lender applied for a loan of 654.38 million yuan, with an annual loan interest of 5,400 yuan.

Leshan Ping An Bank's 20-year annualized interest rate of equal principal and interest mortgage.

6.37%。 Leshan Ping An Bank has an annualized interest rate of 6.37% for 20-year matching principal and interest mortgage. The interest rate is 4.9% of the annualized benchmark interest rate, up 30%, which is the same as most mortgage interest rates.

What is the mortgage interest rate of Wuxi Ping An Bank?

4.75%。 According to the latest news released by Wuxi Ping An Bank, as of February 20, 2022, the annual interest rate of users who borrowed from Wuxi Ping An Bank was 4.75%, which was very low. Please call Wuxi Ping An Bank for details.

What is the mortgage interest rate of Ping An Bank?

Ping An Bank's mortgage interest rate is obtained by floating on the basis of commercial loan interest rate, with a floating range of 0.5 to 2 percentage points. The commercial loan interest rate is:

1. If the loan is within one year (including one year), the benchmark interest rate for commercial loans is 4.35%.

2. For loans of one to five years (including five years), the benchmark interest rate for commercial loans is 4.75%.

3. The benchmark interest rate for commercial loans over five years is 4.90%.

The above interest rates are for reference only, subject to the actual interest rate.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Self-operated loan

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

Consortium lending

Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.

Loan amount: 80% of the value of the loanable property after being audited by the bank.

Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.

Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.

Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.

way

There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.

Guarantee fee

In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.

Application material

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Is the interest on Ping An Pratt & Whitney mortgage 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.