Ping An Bank’s flexible loan handling fee and interest calculation method

;? Ping An Bank’s flexible loan business, that is, small loans, can tx

overdraft The limit in your credit card, you pay a certain handling fee, and you can repay it in installments for up to 2 years. You can apply by phone or online. It is much more convenient than traditional company loans and bank loans. The bank will take 2 working days. You can transfer money to a debit card, which is suitable for users who need money urgently. So how are the interest and handling fees calculated? How much is the handling fee?

How to apply: 1. Telephone 95511 and press 2 to transfer to manual service. Contact customer service and request to activate the flexible credit card. 2. Log in to Ping An Credit Card online, click on credit card financing, apply for the flexible credit card, and submit the application. After the above two methods, the system will automatically review and it can be completed in 2 working days.

Instalment handling fee: "Smart Gold" handling fee is charged in installments. The charging standard will be adjusted based on the cardholder's actual card use. The specific rate table is as follows: Number of installments. Handling rate range for each installment is 3 Period [period [period [period [period [period [handling fee collection method: each period charging; handling fee calculation method: each period of handling fee = total installment amount*each period of the handling rate.

Notes: 1. The application amount must be an integral multiple of 1,000, within the credit card limit, with a minimum of 2,000 yuan and a maximum of 50,000 yuan, in RMB only. 2. The applicant is the main cardholder (additional cards cannot apply). 3. No bad credit record. 4. The total installment amount will occupy your credit limit, and the occupied credit limit will be restored with the repayment of each installment until all installment balances are paid off. Ping An Bank loan interest

1. The monthly interest rate is only 8.6, and the annual interest rate is 10.4, which is the lowest interest rate in the existing credit loan market in Baoding.

2. There is no handling fee, saving you a lot of extra expenses.

If the borrower applies for Ping An Bank’s renovation loans, credit loans, car loans and other products. According to the lowest loan interest rate of Ping An Bank on its official website, the one-year loan interest rate is 4.35, the one-to-five-year loan interest rate is 4.75, and the loan interest rate of more than five years is 4.9.

If the user applies for a loan of 100,000 yuan, and if the application is for a one-year loan, the loan interest will be 4,350 yuan. If you apply for a loan of one to five years, the total loan interest will be between 4,750 and 23,750 yuan. If you apply for a loan for more than five years, the loan interest will be 4,900 yuan for x years.

If a borrower applies for a personal housing loan at Ping An Bank, according to relevant agency data, the average loan interest rate for Ping An Bank's first home is 5.4. In this way, if the lender applies for a loan of 100,000 yuan, the loan interest for one year is 5,400 yuan. Ping An Bank's mortgage loan early repayment fee

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For early repayment, a handling fee of 5% of the unpaid loan principal will be charged, with a minimum of 500 yuan. Ping An Bank will also charge a handling fee of 5% for the unpaid loan principal.