Ping An Bank’s installment fee rates are differentiated based on the actual card usage of each customer. The standard fee rate can also be learned through our website. The specific fee standards can be found at Check this when applying. Each customer's card usage situation is different, the type and number of installments are different, and the repayment amount and installment fee rate of each installment are also different. The specific number of installments and installment rates are as follows:

Starting from May 22, 2020 (subject to the actual implementation date), three new installments will be added to the current number of installments. The number of installments and corresponding handling fee standards for bill installments are adjusted based on the actual card usage of the cardholder. The number of installments and handling fee rates are as follows:

The handling rate range for each period of 3 periods [0.7 %, 1.00%], the handling rate range for each period of 6 periods [0.68%, 0.90%], the handling rate range for each period of 9 periods [0.66%, 0.87%], the handling rate range for each period of 12 periods [0.64%, 0.85%], the handling rate range for each period of 18 periods is [0.62%, 0.84%], and the handling rate range for each period of 24 periods is [0.60%, 0.84%].

The number of installments and handling fee rate for a single consumption are as follows:

The handling rate range for each period is [0%, 1%] for 3 periods, and the handling rate for each period for 6 periods The range [0%, 1%], the handling rate range for each period of 12 periods [0%, 1%], the handling rate range for each period of 18 periods [0%, 1%], the handling rate range for each period of 24 periods [ 0%,1%].

For example, if you apply for 24 installments of 10,000 yuan, the handling fee is calculated as 0.82%, and the monthly handling fee is 10,000*0.82%=82 yuan.

After the customer handles the installment business, the amount of each installment is the principal of the installment evenly distributed into the monthly bill according to the number of installments. If there is any remainder, it will be charged in the first installment; at the same time, the installment handling fee It is also charged for each period, and the handling fee rates are also different for different periods. If you apply to settle the installment business in advance, you must pay the outstanding installment balance and outstanding handling fees in one lump sum, and they will be included in the minimum repayment amount.

Response time: 2020-05-25. For the latest business changes, please refer to the official website of Ping An Bank.