1. How to calculate the penalty for early repayment of Ping An Bank’s real estate mortgage loan?
The penalty for early repayment of real estate mortgage loan is based on the contract. You can check the loan contract.
Response time: 2020-05-22. For the latest business changes, please refer to the official website of Ping An Bank.
2. Is there any handling fee for early repayment of the Ping An Credit Card Car Owner Card?
There is also a handling fee for early repayment, because it is included in your bill
3. Ping An Bank mortgage loan early repayment handling fee
5 For Early repayment will charge a handling fee of 5% of the unpaid loan principal, with a minimum of 500 yuan. Ping An Bank will also charge a handling fee of 5% for the unpaid loan principal.
4. Is there a charge of 5 for early payment of Ping An Haofang’s house mortgage loan?
The intermediary company’s charges are too high. To reduce costs, the following suggestions are given:
Since Ping An Haofang’s real estate mortgage loan products are not for direct customers and must submit personal loan requirements through authorized intermediary companies, Ping An Haofang only accepts submissions and operations from authorized companies, and you can choose companies with lower fees.
The reason for this is that Ping An Haofang requires an intermediary company to guarantee and sign a back-up agreement to ensure the safety of each loan after it is disbursed. The company signing the contract needs to pay a deposit to Ping An Haofang. If overdue or bad debts occur, it will be deducted from the deposit, so there is no way to avoid charges.
Because of this, intermediary companies need to charge varying handling fees. The handling fees are used to ensure profits while also sharing risk costs. The five-point charge is at a higher level. It is recommended to search on Baidu for "you get a loan and I get cash back". Ping An Haofang pays a three-point fee for a loan, and returns a fee of 0.7 after the loan is successful. It currently seems to be the lowest-cost model.