Hello, the specific interest rate of Ping An Bank's new loan is evaluated according to your comprehensive qualifications and the way you choose. The annual interest rate is between 14.4%- 18.36%, subject to the actual approval result of the loan system. If you need funds, you can try to apply for a new loan through Ping An Pocket Bank APP- Finance-Loan.

First, the nature of Ping An Bank

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. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province.

2. What is the new loan of Ping An Bank?

Ping An's "new loan" products are distributed to "wage earners with sustained and stable wage income" or "self-employed individuals with sustained and stable operation". Based on the judgment that the monthly income is the main loan amount, it is used for unsecured loan business for other consumption or business purposes of individuals or families except buying houses.

No guarantee: no guarantee, only personal credit.

It's convenient to apply. Go to the bank 1 time and just sign a contract.

Limit commitment, within three working days, the fastest loan 1 day.

The application threshold is low, the monthly mortgage payment is more than 3 years, or the Ping An life insurance policy with a payment of more than 3 years (the non-Ping An policy needs to pay for more than 5 years), or the provident fund deposit base is greater than or equal to 4,000, which can be superimposed.

3. It can be seen that the requirements for personal credit information are very high. Of course, after all, it is a bank loan, and the interest is also very attractive:

Interest rate interest standard:

Self-employed: 1.53%

Standard salary: 1.53%

Excellent occupation: 1.4%

Ping An Group employees: 1.2%

1. Loan amount: 300,000-500,000 yuan.

2. The loan term 12 months, 24 months and 36 months, and the excellent position is relaxed to 48 months.

3. Repayment method: equal monthly principal and interest.

4. Payment methods: entrusted payment and independent payment.

5. Prepayment: 5% of the remaining principal is used as liquidated damages, and only one-time prepayment is accepted.

6. Common uses: daily consumption, management, decoration, furniture and electrical appliances purchase, personal education, children's education, wedding (the daily consumption amount does not exceed 654.38 million yuan, and the furniture and electrical appliances purchase amount does not exceed 300,000 yuan).

Four. Mortgage purchase

Loanable amount = monthly repayment amount of original mortgage ×45 (monthly repayment amount for more than one year)

Loanable amount = monthly repayment amount of original mortgage ×60 (the monthly mortgage payment of our bank is over one year).

Loanable amount = monthly repayment amount of original mortgage ×70 (monthly repayment amount for more than three years)

Income = monthly repayment amount of original mortgage × 10 times.

1. The repayment method is monthly repayment (including biweekly repayment and balloon repayment).

2. Customers with off-site mortgage can apply for mortgage repayment for more than 5 years, and the loan amount is 30 times of the monthly payment.

3. The mortgage has been settled for less than 12 months.

Parents under the age of 4.28 should know their loans.

Verb (abbreviation of verb) PLUS version of mortgage purchase

Loanable amount = monthly repayment amount of original mortgage ×80 (monthly repayment amount for more than one year)

Loanable amount = monthly repayment amount of original mortgage × 100 (monthly repayment amount for more than three years)

Loanable amount = monthly repayment amount of original mortgage × 120 (monthly repayment amount over five years)

Income = monthly repayment amount of original mortgage × 10 times.

1. The repayment method is monthly repayment (including biweekly repayment and balloon repayment).

2. The customer needs to have a Ping An life insurance policy for more than 3 years, which is not recognized by other insurance companies and the amount is not limited.

3. Or the customer has normally paid the provident fund for more than 2 years, and the amount of the provident fund is not limited.

An intransitive verb insurance policy entry

1. The life insurance policy of 19 insurance company is acceptable.

China Ping An Insurance Company Limited, China Life Insurance Company Limited, new china life insurance co Company Limited, Taikang Life Insurance Company Limited, Pacific Life Insurance Company Limited, China People's Life Insurance Company Limited, Taiping Life Insurance Company Limited, AIA Life Insurance Company Limited, Fude Life Insurance Company Limited and Sunshine Life Insurance Company Limited.

2. This policy is effective at present, and there is no duplication effect. Payment has been made four times in three years, and the insured has not changed in the past year.

3. The same policyholder can accumulate up to 3 policies.

Loanable amount = annual life insurance premium ×20(2 years)

Loanable amount = annual life insurance premium ×30(3-4 years)

Loanable amount = annual life insurance premium × 40 (more than 5 years)

Income = annual premium ×8

Seven. Purchase provident fund

1, the provident fund must be paid continuously for 2 years.

2. There have been cases where "payment" or "payment" has not been recognized.

3. The deposit base of ordinary occupational provident fund is ≥ 4,000 yuan, that is, the individual deposit amount is ≥480 yuan.

4, provident fund deposit unit name must be consistent with the name of the work unit.

5, must be wage earners, if the name has a business license, as a self-employed, the interest is 8.5%.

6. According to the deposit base, inquire about the deposit amount of provident fund in recent 1 year. If there is any increase in the recent 1 year provident fund, the increase will exceed.

120% of the provident fund, whichever is lower.

Loan amount = deposit base ×40 (deposit base ≥4000) Loan amount = deposit base ×60 (deposit base ≥8000)

Revenue recognition = deposit base ×4

Eight. Calculation of income-liability ratio

Income-debt ratio = confirmed monthly debt ÷ confirmed monthly income ≤75%.

Determination of monthly liabilities:

1. 10% of the credit card usage amount is included in the liabilities.

2. The monthly credit loan payment or 3.5% of the total loan, whichever is higher, is recognized as a liability.

3. Mortgage loan is not included in liabilities.

Ping An Bank added 60,000 new loans. How much should I pay for the 36th installment?

The annual interest rate of new loans is between 14.4%- 18.36%. If you borrow 60,000 yuan with a term of 36 months, the monthly reference amount is 2062.33-2 179.99 yuan based on the repayment of equal principal and interest.

Reply time: May 2020-18. Please refer to the latest business changes announced by Ping An Bank in official website.

How much is the monthly repayment of "Ping An New Loan" loan with 36 installments of 7W?

Matching principal and interest method: loan principal: 70,000 yuan, assuming annual interest rate: 20.000%, loan life: 3 years; Monthly repayment amount of principal and interest: 26,065,438 yuan +0.45 yuan, total repayment amount of principal and interest: 93,652.2 yuan, * * interest payable: 23,652.2 yuan. The interest paid in 1 month is:1166.67; The first 1 month principal repayment is:1434.78; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)

Ping An Bank credit loan 1.6 million, 36 months, with a monthly interest rate of 6%. * * * How much interest do you need?

The annual interest rate of new loans is between 14.4%- 18.36%. If you borrow 160000 yuan, the term is 36 months, the total interest is 37984.03-49279.49 yuan, and the monthly reference amount is 5499.56-.

Response time: May 25th, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.