How about the loan interest of Ping An Bank?

What is the loan interest rate of Ping An Bank?

The loan interest rate of Ping An Bank is 1, and the short-term loan interest rate of Ping An Bank within one year is 4.35%; 2. The medium and long-term loan interest rate of Ping An Bank: 4.75% for one to five years; More than five years, 4.90%; 3. Ping An Bank's personal housing provident fund loan interest rate: 2.75% for less than five years; More than five years, 3.25%.

However, the specific loan interest rate of each bank outlet may be slightly different, and the interest rate stipulated by the local Ping An Bank outlet shall prevail. The above is the question and answer about the loan interest rate of Ping An Bank brought by the loan customers. The loan interest rate of Ping An Bank is adjusted with the change of the central bank's benchmark interest rate, and generally rises by about 10%. The loan interest rate of Ping An Bank can be calculated according to the latest adjusted benchmark interest rate of the central bank on 20 15 years124 October.

Loan interest rates of Ping An Bank at various stages:

First, short-term loans. If the general loan is within one year, the latest interest rate of Ping An Bank is 4.35%.

Second, medium and long-term loans. The loan interest rate is 4.75% for one to five years and 4.90% for more than five years.

Three, personal housing provident fund loans. The loan interest rate for less than five years is 2.75%, and the loan interest rate for more than five years is 3.25%.

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The Chinese vocabulary of balloon loan is an image name. This kind of loan has a small repayment amount in the early stage, but it has a large repayment amount on the maturity date, which looks like a balloon, so it is directly named as "balloon loan".

"Balloon loan" is designed for customers who intend to hold loans in the short and medium term, that is, to provide them with a shorter loan term and use a longer term to calculate the monthly payment, so as to reduce the pressure of early repayment. At the same time, due to the short loan period, the corresponding loan interest rate is also low.

Balloon loans are designed for customers who plan to hold loans in the short and medium term. This kind of loan has a small repayment amount in the early stage, but a large repayment amount on the maturity date. "Balloon loan" is a real interest-bearing mortgage product, and it is also the only mortgage product with innovative interest rate on the market at present.

What is the loan interest rate of Ping An Bank?

What is the loan interest rate of Ping An Bank?

The loan interest rate of Ping An Bank is floating above the benchmark interest rate of the central bank loan, and it is popular to rise on schedule. The annualized interest rate is 8.2% for the 6th installment, 8.6% for 12 installment, 8.8% for the 24th installment and 9.2% for the 36th installment.

Ping An Bank loan product interest rate reference:

1. Ping An Bank's "New One Loan" personal credit loan, with a monthly interest rate of 0.49% and an annualized interest rate of 5.88%, with a maximum amount of 500,000;

2. The loan amount of Ping An Bank for white-collar workers is 300,000-500,000 yuan, and the loan amount of some customers can be extended to 6,543.8+0,000 yuan. The loan interest rate is 0.5%, and the monthly interest rate per 10,000 yuan is about 50 yuan;

3. The loan interest rate of Ping An Bank's digital loan business license is 0.58%- 1%, the minimum annualized interest rate is 6.96%, the amount is 1-300,000, and the maximum withdrawal amount is110,000;

4. The car loan interest rate of Ping An Bank is about 0.8%- 1.65%, with a maximum amount of 500,000;

5. The corporate tax coupon loan of Ping An Bank is RMB 6,543.8+0,000, with an annualized interest rate of 7%-654.38+02%.

Extended data:

Is Ping An Bank's loan formal?

Ping An Bank is an absolutely formal and reliable bank. Ping An Bank is one of the largest joint-stock commercial banks in China 12. Its scale and financial strength are recognized by the market. Its interest rate and activity norms are also under the jurisdiction of the CBRC, and its business is extensive. Whether it is an institution or an individual, it still recognizes Ping An Bank.

Secondly, according to Rongcheng Trustworthy Platform, Ping An Bank has low requirements for the qualifications of lenders. It can be said that Ping An Bank has the largest loan and the highest approval amount. Generally, the borrower is required to be over 20-55 years old, have full capacity for civil conduct, have a stable job, have a good credit report, have no court proceedings, have no overdue inquiries, have no online loans, and so on.

Therefore, on the whole, Ping An Bank's popularity and scale strength are there, and the loan business norms and conditions are also there. It is not an unconditional online loan, but it is still relatively formal and reliable on the whole.

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. But users who apply for loans at Ping An Bank also need to know more.

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.

Ping An Bank loan interest

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.

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.