First, talk about the application conditions, and you can apply if you meet the following conditions:
1. Have China nationality.
2. The age is 21-55 years old.
3.1. The office worker has worked or lived in the place of application for not less than 6 months; Have a stable occupation, with a monthly income of not less than 3, yuan.
3.2. industrial and commercial registration, the private owner, has been working for one year; The monthly income of public or private water is more than 2 thousand yuan.
3.3. The property owner owns a commercial property or one of the * * * owners at the place of application (full mortgage is acceptable).
4. Have a good credit record (hold a credit card or have a record of mortgage, car loan and other bank loans, and make good repayment).
Ping An Pratt & Whitney Insurance consists of premium+bank interest. The monthly premium rate is .9%-1.9% of the total loan. If you have unsecured vehicles and related documents, the monthly premium rate is 1.7% of the total loan. The monthly premium is fixed. The interest is collected by the cooperative bank, and the interest rate is 4% higher than the bank's benchmark interest rate, which is calculated according to the equal principal and interest repayment method.
The following questions may be of concern to everyone:
Q
Then according to my loan intention, can you help me calculate this account? For example, if it is used at maturity, how much is the principal and interest?
A
Take 5,, 36 installments and 2.3% monthly as an example, then the monthly repayment is 2,531 yuan.
but whether you meet the application conditions and whether the quota can meet your requirements depends on your specific situation.
Q
That means that if it is 1, yuan, then the principal and interest will be repaid at maturity, which adds up to almost 15, yuan?
A
The interest rate of this kind of unsecured loan is generally around 2, so the annualized interest rate will be as high as 25%. After 3 years, it will be 75%. After 1, years, it will be more than 17,. Therefore, it is generally appropriate to use this kind of loan for about half a year.
Q
For example, if the contract I signed is 3 years, I will pay it back in half a year, and the principal and interest will be. How much is the penalty?
A
The proportion of liquidated damages is different for different lending banks, which is generally 1-3% of the remaining principal.
If you want to use Ping An Pratt & Whitney loan, the application materials you need are: ID card, residence certificate, income certificate, work certificate, loan purpose certificate, etc.