Pro ~ safe car owner loan is reliable. Ping An Car Owner Loan is a loan product launched by Ping An Bank, which is compliant.

The loan interest rate of Ping An car owners is around 8.5%, which is relatively not very high. It can be divided into 48 periods at the longest, which is quite cost-effective. abstract

Does anyone know that Ping An car owner loan is reliable? Is the interest high? Ask a question

Pro ~ safe car owner loan is reliable. Ping An Car Owner Loan is a loan product launched by Ping An Bank, which is compliant.

The loan interest rate of Ping An car owners is around 8.5%, which is relatively not very high. It can be divided into 48 periods at the longest, which is quite cost-effective. answer

Is the interest rate of Ping An owners high?

How much is the annual interest? Ask questions.

How much is the annual interest? Ask questions.

Qinqin ~ Pingan car owners' loan interest is not very high, for example, the loan is one year 1 000, and the interest is about 1 000. answer

2. Is it necessary for users who have applied for car loans in designated insurance companies to buy insurance?

I can teach you how to calculate the car loan and compare three ways to calculate the car loan. Reader Xiao Liu took a fancy to a car loan at a price of 1. He learned that there are many ways to buy a car at present, such as credit card, auto finance and commercial bank, and these three ways of car loan have their own advantages. 1 10,000 yuan discount car price): 29,400 yuan loan term: 1 annual interest rate: 0 handling fee (3.5%):240 1 monthly payment: 57 16 yuan purchase tax: 4,544 yuan auto insurance 37 yuan loan process: negotiate car price → apply for credit card loan → After selecting the model and negotiating the price, you only need to show your ID card, credit card and work certificate, and the dealer is responsible for applying for a loan from the issuing bank. Repayment. After 2~3 hours at the earliest, the bank can approve and confirm the loan. At this time, he needs cash to pay the down payment and go through the insurance formalities. After receiving the notice of car pick-up, you can pick up the car by paying the down payment by credit card. Method 2: auto financing company loan payment (50%): 50,000 yuan loan term: 1 annual interest rate: 0 month payment: 4 166 yuan (or pay 544 yuan auto insurance one year later: 3,800 yuan total cost: 10→ auto financing car loan is only available for auto financing companies. Because it will take about 3 days to approve, we have to arrange home visits. All garage staff will assist in handling it. Mode 3: car price of commercial bank loan: 65,438+1 0,000 yuan discount (50%): 49,000 yuan loan term:1annual interest rate: 5.4% monthly payment: 4 handling fee: 1.200 yuan auto insurance: 3,800 yuan total cost:1. Batch → the bank transfers the money to the dealer's account → go through the mortgage registration procedures and various insurances → sign a loan contract → pick up the car. If you choose a car loan from a commercial bank, choose any car sold in the auto market, but the procedure is estimated to be a headache for him. After choosing a good model and negotiating the price, you should apply for a mortgage from the car dealer, and you should also find a guarantee company and a guarantor with a local account. Guarantee companies require customers to prepare personal data according to relevant regulations. After the information is fully prepared, the guarantee company will make a door-to-door investigation and report it to the bank after confirming the truth. After the bank confirms the loan, he also needs to register the mortgage and sign a loan contract. Comparing the three ways of car loan in many aspects is helpful to solve the problem of consumers buying cars and driving in advance. Then, what are the advantages and disadvantages of auto financing company loans, commercial bank loans and credit card car purchases? We analyze all the details of loan car purchase from six aspects: application conditions, loan amount, loan term, loan interest rate, optional models and submission materials. The application conditions are low and the financial car loan threshold is low. When commercial banks apply for car loans, they need to submit very strict materials and audit procedures, even harsh. Buying a car with a credit card loan only provides installment payment for bank credit card users, not 100%. A simple review process is also needed, and this "simplicity" is only relative to cardholders with good credit records for a long time. The threshold of auto financing companies is much lower, and the screening of loan consumers by many brands is simple. At present, only China Merchants Bank, China Construction Bank and automobile manufacturers have jointly launched the credit card car purchase business, so this means that a bank only has a few models from one or several manufacturers for you to choose from, which limits consumers' choices. Auto financing companies' auto loans are limited to their own brands, which are relatively inferior. Commercial bank car loans can cover all models on sale, covering a wide range. Compared with auto financing companies and commercial banks, credit card auto loan has more restrictions on loan amount. Not only is the down payment relatively high, but even the total amount of loans is limited. And auto financing loans or commercial bank loans, as long as the minimum down payment is 20%, and the monthly supply pressure is obviously less than credit card car loans. There is a handling fee for the loan interest rate credit card. Credit card car loans do not charge interest, but the two-year handling fee is not much less than the loan interest rate of ordinary banks. Fortunately, banks will launch free-of-charge activities from time to time, so it is necessary to seize the opportunity to buy a car with a credit card. The loan interest rate of auto financing companies is obviously higher, but many brands have also introduced interest-free concessions, but this is based on the non-negotiable price of cars. So consumers don't get much discount. Car loans of commercial banks are strictly implemented in accordance with the national interest rate, and there is no interest rate concession.

Third, is the car loan interest of the insurance company high?

If you don't change the insurance company, you can pay directly to the insurance company.

4. Is the 3-year 6% interest rate for car loan high?

The annual interest rate of 6% for car loan for three years is not high, but it can't stand the high amount of your loan. If your car loan amount is higher than your income and expenses, let alone 6% annual interest, it is not interest and may not be affordable.

Anyway, after buying a car, you still have to pay back the car loan, car maintenance, auto insurance, car refueling and parking fees. On average, it costs about 1000 yuan a month. Plus the monthly payment, how can you live without a monthly income of 6 to 7 thousand yuan?