Ping An's comprehensive interest rate is between 1.3%-2.3%, which is not as little as you said. We are in this industry. 30000( 1.3%-2.3%)30000/24=
Second, how to calculate the interest of Ping An loan in China?
Calculation method of China Ping 'an interest: The interest of this loan is calculated at the monthly interest rate, and now it is about 2. 16% in Qingdao. The repayment period is three years, and the repayment method is equal principal and interest. If the loan is repaid in advance, the penalty is one month's interest. For example, I borrowed 10000 for three years. The monthly interest rate is 2. 16%, and I repay 65438+100,000 +06% 10000/3 years =2 16278=493. If so, the principal and interest for three years will be 49336 installments = 17748. 2 16 (one month's penalty interest) 6667 (unpaid principal) = 12799, so the interest is still very high. Just to see. If it is not urgent, you'd better not use this thing.
3. How to calculate the personal credit loan interest of Ping An Bank?
The interest rates of different loan types of Ping An Bank are different. Evaluate the loan interest rates according to your comprehensive qualifications. For details, please visit Ping An Pocket Bank APP- Home-Loan to learn and try to apply. First of all, the national benchmark interest rate is 4.35%, but the interest rate varies from place to place, depending on your qualifications. Also, the interest rates of credit loans and mortgage loans are different. Comprehensive pricing is carried out according to factors such as business type, credit status and guarantee method. At present, the latest benchmark loan interest rates are: within 6 months (including 6 months), 5.85%, 6 months to 1 year (including 1 year), 6.3 1 year to 3 years (including 3 years), 6.4%, 3 years to 5 years (including 5 years), and I. 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. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. Second, how to apply for personal loans: First, at least 25 years of age, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China. Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule. Third, the credit record is good and there is no bad credit record. Fourth, it can provide legal and effective guarantees recognized by banks. Fifth, other conditions stipulated by the bank. Generally meet the above conditions, you can apply for a loan from a commercial bank. Three. Application procedure 1. Signing a subscription book: the customer signs a subscription book with the real estate development company that has signed a contract with the bank and pays the down payment to the real estate development company; 2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents; 3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged; 4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral; 5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment. Four. Precautions 1. Apply for a loan amount according to your own ability. When applying for personal loans, borrowers should make correct judgments on their economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure. 2. Choose a good loan bank. 3. Choose the repayment method that suits you best. There are two repayment methods: one is equal repayment, and the other is equal repayment of principal. The advantage of 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. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses. The information provided to the bank should be true. 5. Accurately providing my address and the address provided by the borrower to the bank can facilitate the bank to contact with it and receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, you can receive the interest rate adjustment notice from the bank at the beginning of the year. In addition, it is especially important to remind borrowers that when you move to a new house, you must inform the loan bank of your new contact address and contact information in time. 6. Repay on time every month to avoid penalty interest. For borrowers, before the agreed repayment date every month, they should pay attention to whether there are enough funds in their repayment accounts to avoid being punished by the bank for their negligence, and never lose money because of their negligence, and at the same time leave a bad credit record in the bank.
4. How to calculate the personal credit loan interest of Ping An Bank?
The annual interest rate of new credit loans of Ping An Bank is 1. If you borrow 1 10,000 yuan, the total interest will be 23,740.02-30,799.68 yuan, and the monthly reference amount will be 3,437.22-3,633.32 yuan.
Response time: May 22, 2020. Please contact Ping An Bank and official website Gongtian Bank for the latest business changes. He said that he would repay the loan in installments, not repay the principal and interest when due. How to calculate the interest in this case?
How much is the loan,
About 30 thousand, two years
Loan amount, loan term,
I wanted to pay off the loan in one lump sum, but he said no.
The bank said it would be phased, with a loan amount of 30,000 yuan and a term of two years.