How much is the interest rate for a Ping An Bank loan of RMB 300,000 per year?
The interest rate for a Ping An Bank loan of RMB 300,000 per year is generally around 2.80%-3.25%. The specific interest rate depends on the customer’s credit rating, The location of the collateral and the amount of the loan will be determined.
Ping An Bank Credit Loan Line
Ping An Bank credit card credit loan, the limit is about 20,000-300,000, and the interest rate is 1.5%-3%. Some of the loan companies are commonly known as loan companies. This type of product is characterized by fast speed and flexible credit limit, but the cost is hidden in fees and other charges. The actual loan cost is much higher than the advertised interest rate. It is a credit loan provided to customers through a guarantee company guaranteeing bank loans.
The credit loan limit of Ping An Bank's credit card can generally reach a maximum of 300,000, and the fee model is the interest on the bank loan plus the guarantee fee of the guarantee company. Formal guarantee companies only charge a certain percentage of guarantee fees and do not charge interest. This is also a criterion for identifying whether a guarantee company is formal.
: How to apply for a Ping An Credit Card: Check the official website of Ping An Bank Credit Card through Baidu. Go to the official website of Ping An Bank Credit Card, select Credit Card Application on the homepage, and then click I want to apply. You will receive a credit reference call from the Ping An Bank Credit Card Center in a few days, or there may be no credit reference call. But you usually get a call to verify your identity. Then wait to see if the application is successful. For general cards, if the applicant's conditions are good, the card may be approved directly, but the limit will not be too high. If you want a higher limit, and if it is a gold or platinum card, then relevant personnel may contact the applicant and require supplementary information. Applicants can also go to an outlet or counter to provide relevant supporting documents. Including proof of identity, work certificate, fund certificate, capital flow and financial resources certificate, etc. Generally speaking, the more auxiliary materials provided, the greater the probability of success and the higher the amount. After all procedures are completed, wait for the card verification. After the card verification is successful, you will receive the issued credit card. The applicant needs to go to the nearest branch to apply for the card in person and set the relevant password. OK, you can use it. Apply for the card. success.
How to cancel Ping An Bank’s credit card
1. Cancellation by phone
The cardholder calls Ping An Bank’s credit card phone number: 400824365, and press “0” to transfer to manual service. Enter the ID number to transfer to manual service, explain to the customer service that you want to cancel the card, and the customer service can complete the entire card cancellation work for the customer.
2. Cancellation at the counter
Cardholders can also bring their valid ID card to the counter of a Ping An Bank branch to cancel the card.
Notes on cancellation of Ping An Bank credit card
1. It is safe to cancel the card after paying off the hidden debt
Before canceling, you must know whether there is any debt on the card Some fees for Ping An Bank's credit cards will not be shown on your bill, such as interest on cash withdrawals and SMS notification fees. Some fees are deducted at the end and will not be shown on your bill. You need to understand these hidden fees. Canceling the card before paying off the balance will cause late repayment and can easily lead to a bad credit record.
2. Use the card enough times to waive the annual fee before canceling the card
Ping An Bank’s credit card has a policy every year that the annual fee can be waived if the card is used enough times. If you don't use enough, you have to cancel the card, and the annual fee is not waived. If you don't want to be on the credit blacklist, you have to pay off the annual fee before you can cancel the card.
3. It is best to cancel the card and the account at the same time
Canceling the account means canceling the entire account. All cards under the cardholder’s name in the bank will be cancelled. If only cancellation is done, card, then if you apply for a credit card from the same bank next time, you will not be able to enjoy new customer benefits and discounts. This problem can be avoided by canceling the account. Therefore, it is best to cancel the account after canceling the card to avoid trouble in the future.
4. Cut off the magnetic strip after canceling the card
If the card is intact, it may still be usable in some consumption places that only require information without checking the information. The best way is to cut the magnetic strip into several pieces and throw them into different garbage dumps to prevent people with ulterior motives from stealing them.
Operating environment: Xiaomi 6XMIUI12.0.2.0 Ping An Bank APP version V5.4.4
When taking a loan of 300,000 from Ping An Bank, you must write the name of the guarantor
unnecessary.
A loan of RMB 300,000 does not necessarily require a guarantor. The details should be determined based on the needs of the parties involved.
If the lending institution requires it, or if the parties negotiate and negotiate to guarantee the performance of the debt, a guarantor is required. If there is no need to provide guarantee for the debt, a guarantor is not required.
The three-year interest rate for Ping An’s policy loan of RMB 300,000
As of February 7, 2023, it is RMB 48,485.76.
The annual interest rate of the three-year Ping An policy loan of RMB 300,000 is 10%. The monthly principal and interest repayment amount is: 9,680.16 yuan. The total repayment amount is: 348,485.76 yuan. ***Interest repayable: 48,485.76 yuan. Yuan.
The interest rates of different loan types of Ping An Bank are different, and the loan interest rates are evaluated based on comprehensive qualifications.
I borrowed 300,000 yuan from Ping An Bank, but what should I do if I still can’t pay it back?
If you get a loan of 300,000 yuan from Ping An Bank, you can negotiate with the bank and repay according to your own situation.
With the improvement of people's consumption level, more and more people are taking bank loans to consume in advance. However, many people are unable to repay in time after consumption, which has an impact on their lives. If you take a loan of 300,000 from Ping An Bank and fail to repay it in time, your personal credit record will be bad. If you don't repay it for a long time, you will be fined and your personal life will be affected. Therefore, you must find a way to repay the loan in time after it is overdue.
1. After the loan is overdue, you can negotiate an extension with the bank.
After many people fail to repay their loans, they can actually negotiate amicably with the bank, coordinate the repayment period with the bank based on their own situation, and get an extension from the bank. Especially if you have the awareness to repay but are unable to repay, you should communicate with the bank in time to get an extension of the bank loan, so that the loan during this period will not affect your personal credit.
2. If the loan cannot be repaid, you can negotiate with the bank for repayment in installments.
If you cannot repay the bank loan, you can communicate with relevant people in the bank based on your own situation. If you cannot repay the loan at once, you can apply for installment payment with the bank based on your own situation. In this way, banks will not suffer losses, and individuals will not have an impact on their lives due to overdue loans.
3. Bank loans must be repaid in time, otherwise it will affect personal life.
After a bank loan is overdue, you must actively repay it. Especially if the loan is overdue for a long time, it will have a negative impact on your personal credit record and you will not be able to get loans from various financial institutions for a long time in the future. , will have a certain impact on personal life. If a bank loan cannot be repaid in time, especially if it is overdue maliciously, you will be subject to penalties and the individual will be held legally responsible.
If you cannot repay a 300,000 yuan loan from a bank, you must communicate in time and don't ignore it, otherwise it will have a negative impact on you personally. If you have any other opinions on this, please leave a message for discussion.
Can Ping An Bank provide a one-time loan of 300,000?
Ping An Bank can provide a one-time loan of 300,000 yuan. Due to the large amount, it is usually difficult to apply for such a high amount of credit loan, so you can only apply for a mortgage loan. Like a home mortgage loan, after paying the down payment, you mortgage the property certificate to the bank. As long as you meet the conditions for a home loan, you can get a one-time loan of 300,000.