What is the loan interest rate of Ping An Bank?

1. The monthly interest rate 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.

2. There is no handling fee, saving you a lot of extra expenses.

If the borrower applies for Ping An Bank’s renovation loans, credit loans, car loans and other products. According to Ping An Bank’s lowest loan interest rate on its official website, the one-year loan interest rate is 4.35%, the one- to five-year loan interest rate is 4.75%, and the loan interest rate for more than five years is 4.9%.

If the user applies for a loan of 100,000 yuan, and if the application is for a one-year loan, the loan interest will be 4,350 yuan. If you apply for a loan of one to five years, the total loan interest will be between 4,750 and 23,750 yuan. If you apply for a loan for more than five years, the loan interest will be 4,900 yuan for x years.

If a borrower applies for a personal housing loan at Ping An Bank, according to relevant agency data, the average loan interest rate for Ping An Bank's first home is 5.4%. In this way, if the lender applies for a loan of 100,000 yuan, the loan interest for one year is 5,400 yuan.

What is the loan interest rate of Ping An Bank?

What is the interest rate of Ping An Bank's loans?

The interest rates of Ping An Bank's loans are floating above the central bank's benchmark loan interest rate, and are popular for floating on a periodic basis. The annualized interest rate for 6 periods is 8.2%, and the annualized interest rate for 12 periods is 8.2%. The annualized interest rate is 8.6%, the annualized interest rate for 24 periods is 8.8%, and the annualized interest rate for 36 periods is 9.2%. < /p>

2. The loan limit of Ping An Bank’s salaried white-collar loan is RMB 30,000 to RMB 500,000, and the limit for some customers can be extended to RMB 1 million. The loan interest rate is 0.5%, and the monthly interest is about RMB 50 per RMB 10,000;

3. Ping An Bank’s digital loan business license loan interest rate is 0.58%-1%, with a minimum annualized interest rate of 6.96%, and a limit of RMB 10,000 to RMB 300,000, with a maximum limit of RMB 1 million;

4. Ping An The bank car loan interest rate is about 0.8%-1.65%, and the maximum limit is 500,000 yuan;

5. The opening limit of Ping An Bank's corporate tax note loan is 1 million yuan, and the annualized interest rate is 7%-12% .

Extended information:

Is Ping An Bank’s loan formal?

Ping An Bank is an absolutely formal and reliable bank. Ping An Bank is one of the twelve largest joint-stock commercial banks in China. First, its scale and financial strength are recognized by the market, interest rates and activity regulations are also under the jurisdiction of the National Banking Regulatory Commission, and its business is extensive. Both institutions and individuals still recognize Ping An Bank.

Secondly, according to Rongcheng Youxin Platform, Ping An Bank does not have high qualification requirements for lenders. It can be said that among all banks currently, Ping An Bank has the most approved loans, and the approved amount is also The highest level generally requires the borrower to be over 20-55 years old, have full capacity for civil conduct, have a stable job, have a good credit report, no overdue inquiries, no online loans, etc.

So, generally speaking, Ping An Bank has its reputation, scale and strength, and it also has loan business standards and conditional thresholds. It is not an unconditional online loan. Generally speaking, it is relatively formal and reliable. of.

How to calculate the personal loan interest rate of Ping An Bank?

First of all, the national benchmark interest rate is 4.35%, but the interest rate is different in each place. It also depends on the quality of your qualifications, and the interest rates on credit loans and mortgage loans are also different. of. Comprehensive pricing is carried out based on the applied business type, credit status, guarantee method and other factors.

The latest loan base interest rate: within 6 months (including 6 months) 5.85% 6 months to 1 year (including 1 year) 6.31% 1 year to 3 years (including 3 years) 6.4% 3 years to 5 years (including 5 years) 6.65% 5 years and above 6.8% Note: The base interest rate is set by the central bank, and bank loan interest rates can fluctuate up or down based on this.

1. Personal Loan

Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation, etc.

When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower is unable to repay the principal and interest of the loan when due, the lender has the right to dispose of its mortgage or pledged property in accordance with the law, or the guarantor shall bear joint and several liability for the repayment of the principal and interest.

2. Application conditions

How to apply for a personal loan conditions:

First, you must be over 25 years old, have full capacity for civil conduct; and be in China Have permanent residence or valid residence certificate.

Second, having a fixed occupation or stable economic income can guarantee the ability to repay principal and interest on schedule.

Third, have a good credit record and no bad credit record.

Fourth, it must be able to provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Generally, if you meet the above conditions, you can apply for a loan from a commercial bank.

3. Application Procedure

1. Sign a subscription letter: The customer signs a subscription letter with the real estate development company that has signed a contract with the bank, and pays the first installment of the purchase price to the real estate development company. ;

2. Apply: The customer goes to the law firm entrusted by the bank to handle the mortgage application procedures, including submitting personal information, paying various fees, and filling in legal documents;

3. Payment review: The law firm will conduct a preliminary review of the customer's application, and then the bank will review it; if the review fails, the customer information and fees collected will be refunded;

4. Other legal procedures: the law firm handles insurance on behalf of , Notarization and mortgage registration and filing of collateral;

5. Loan issuance: The bank transfers the loan amount to the developer's account and notifies the customer to start paying for the property.

IV. Things to note

1. When applying for a loan amount, you must act within your ability. When applying for a personal loan, borrowers should make correct judgments about their financial strength and repayment ability, and at the same time make correct and objective predictions about their future income and expenses.

2. Choose a good loan bank.

3. Choose the repayment method that best suits you. There are two repayment methods: one is the equal installment repayment method, and the other is the equal installment principal repayment method. The advantage of the equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. The equal principal repayment method is more suitable for individuals who have strong repayment ability in the early stage of repayment and hope to return a larger amount in the early stage of repayment to reduce interest expenses.

4. The information provided to the bank must be true.

5. The address provided by the borrower must be accurate, and the address provided by the borrower to the bank can be convenient for the bank to contact him, and he can receive the repayment notice sent by the bank on time every month. If the People's Bank of China adjusts the loan interest rate, you will receive an interest rate adjustment notice from the bank at the beginning of the year. In addition, borrowers are particularly reminded that when you move to a new home, you must promptly inform the lending bank of your new contact address and contact information.

6. Make monthly repayments on time to avoid penalty interest. For borrowers, they must pay attention to whether there are sufficient funds in their repayment account before the monthly agreed repayment date to prevent defaults caused by their own negligence and being fined by the bank. This will cause a loss of funds and leave a bad credit record in the bank.