Speaking of Ping An Group, everyone must be familiar with it. I don't know if you have heard of this product. Che Tian Li was jointly established by Ping An Bank and Ping An Dahua Fund Company under Ping An Group. This product is specially tailored for customers who need funds when buying a car. What is Chetianli and what is its operating mode?

(1) What is a car Tian Li?

Chetianli is a comprehensive financial service product integrating loan and wealth management.

(2) Who is the main target of Che Tian Li?

Car Tian Li is mainly aimed at customers who buy cars in full.

(3) How can Che Tian Li make customers get the expected annualized expected income?

This product is aimed at customers who buy a car in full, and part of the car purchase money is used to buy a money fund with higher expected annualized income, and at the same time, the car loan is handled with low interest or even zero interest, so that the expected annualized expected income of the money fund will be higher than the loan interest, so that customers can get more than expected annualized expected income.

On each loan repayment date, Che Tian Li will automatically redeem the corresponding share of the monetary fund to repay the loan. Until the repayment period ends, Che Tian Li will transfer the remaining expected annualized expected income of the Monetary Fund to the customer's account at one time.

The expected annualized expected income of different models is also different. If Beijing Hyundai Tucson is purchased, the product term of the car Tian Li is 1 year, and the net expected annualized expected income after deducting the loan can reach about 5,200 yuan. If you buy BMW X 1, the time limit for applying for car profit is 3 years, and after the expiration, you will get a net expected annualized expected income of about 8700 yuan. Other specific terms and expected annualized expected income are subject to the description of local outlets of Ping An Bank.

(4) What is the operation mode of Che Tian Li?

Chetianli adopts a combination of high expected annualized expected income money fund and low-interest loan, and the expected annualized interest rate of the loan is fixed. Chetianli's expected annualized expected return changes with the expected annualized expected return of the money fund, which is a low-risk product. Unless there is systemic risk, in general, the expected annualized expected return of the money fund can completely cover the loan interest and obtain the expected annualized expected return that exceeds the expected return. The monetary fund that cooperates with Che Tian Li is Fubao, a subsidiary of Ping An Dahua. Wind information data shows that as of165438+1October 26th, the expected annualized expected rate of return of the fund in the past year reached 4.38%.