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.

With Ping An Fu Life Insurance, what is the interest on the new loan of Ping An Bank?

8.2%。

Ping An's "New First Loan" 1 year loan interest rate is 8.2%, and the 2-3 year loan interest rate is 8.32%. The account management fee is linked to the loan amount, with a monthly fee of 0.69% for 30,000-50,000 yuan and 0.59% for more than 50,000 yuan.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks.

How to calculate the loan interest rate of Ping An Bank's new loans?

Calculation method of loan interest rate of Ping An Bank's new loans: The calculation formula of loan interest rate of Ping An Bank's new loans is: a = p {i (1+i) n/[(1+i) n-1]} a: monthly contribution; P: total contributions; I: monthly interest rate (annual interest rate/12); N: total payment months (year ×12); After knowing the monthly loan, the total amount of contributions and the total number of months of contributions, we can easily calculate the monthly interest by substituting these data, and then know the annual interest rate of bank loans. "New One Loan" is an unsecured RMB loan issued by Ping An Bank to people with stable and continuous wage income, and its monthly wage income is used as the basis for judging the loan amount for personal consumption.

Is Ping An Bank's new loan formal? Is it a usury?

This product is common. However, the interest of this product is relatively high, starting from the annualized interest rate of 10.8%, and the final interest is generally between 12%- 16%, and it is a repayment method with equal principal and interest, so the repayment pressure is relatively high.

This product repays the principal in equal amount every month, but the monthly interest is really repaid according to the initial loan amount, so it is not really equal principal and interest, which is easy to be confused. "New One Loan" is a large credit loan under Ping An Bank, with the amount ranging from 65,438+0,000 to 500,000. Products include monthly loan, policy loan, provident fund loan and social security loan, and the comprehensive annualized interest rate is between 1.3%-20%.

In short, this loan product has two pits. One pit is that the loan principal is decreasing, but the base for calculating interest has remained unchanged, resulting in higher interest in the future; The second pit is that you have to pay in advance. Sorry, I have to charge you 5% management fee.

Application conditions for new loans:

1, the age of application is 25-55 years old, and he has worked continuously in the current unit for 6 months;

2. The average monthly income in the last six months is not less than 3,000 yuan, and some cities (Shenzhen, Guangzhou, Shanghai and Hangzhou) are not less than 4,000 yuan;

3. Have a legal and stable source of income and the ability to repay loans;

4. Personal credit record is good, and there is no overdue loan record;

5. Meet other loan conditions of Ping An Bank.

How much is the new loan:

The maximum loan amount is 500,000 yuan, and the loan period can be 12 months, 24 months and 36 months, and the longest service life can reach 3 years. Without mortgage and guarantee, you can get a certain amount of loans with personal credit. The loan covers car purchase, decoration, travel, further education, wedding, medical care and so on. To meet the loan needs of many people.

What is the difference between Ping An Bank and Ping An Puhui? Ping An Bank's new loan interest is low, but the handling process is cumbersome, but Ping An Pratt & Whitney is simpler and the loan is relatively fast.

Ping An Xinyi Loan is a loan product of Ping An Bank, and Ping An Pratt & Whitney is a bigger loan platform. Although the names are all called Ping 'an, they are quite different in nature.

If you want to apply for a more reliable loan, it is still recommended to apply for a new loan. After all, it belongs to the bank's loan products.

Precautions:

1. The new loan is strict with the applicant's age. The minimum age of the applicant is 23 years old, and users below that age cannot apply for new loans.

2. The new loan requires the applicant to work for at least 6 months at present. If he can't provide a valid work certificate, he will be rejected.

If you want to apply for a new loan, you need a stable source of income. The monthly income of users in Beijing, Guangzhou, Shenzhen and Hangzhou is not less than 5,000 yuan, and the monthly income of people in other regions is not less than 4,000 yuan.