It should be an online loan, but the name is good, and the handling fee and interest are four times higher than the interest rate of the People's Bank of China in the same period, so it can't be played. Many online loans calculate interest separately, but generally speaking, you have to pay more. Online lending depends on several platforms, which is cost-effective, provided that the credit information is good.
Second, is Ping An car owner loan an online loan?
Ping An car owner loan is not an online loan, but a formal credit loan under Ping An Bank, mainly for car owners. When applying, users don't need to take a car or a license plate, but they can apply as long as they have auto insurance. There is no limit to the price of the car owner's loan. In other words, users only need to take the commercial insurance policy and the compulsory insurance policy within the validity period and go to Ping An Bank to apply for a car owner loan for consultation.
3. Can Ping An Bank owners use credit cards for loans?
Hello!
Ping An Bank has a credit card and cannot borrow money.
Like other credit cards, you can withdraw cash within the limit.
At present, Ping An credit card products that are well received by customers include Ping An Insurance Credit Card, Ping An Owner Credit Card and Taobao Co-branded Credit Card. Specific related product features are as follows:
1. If you like to travel abroad, you can choose Ping An Insurance Credit Card: you can enjoy all-round public transportation accident protection and home safety insurance gas accident insurance.
2. If you are the owner, you can choose the owner's credit card: road rescue within 30 kilometers, double the consumption amount of the credit card, accident insurance for the whole car, etc.
3. If you are an online shopper, you can choose Ping An Taobao co-branded credit card: you can spend the accumulated credit card points of Taobao transactions online through Alipay "Quick Pay", 1 yuan consumption accumulation 1 Ping An credit card points, and give away the benefits of Alipay gold account after activating the card.
4. Can Ping An car owners borrow money directly online? How much is the loan interest of Ping An car owners?
Although Ping An car owner loan can be applied directly online, it does not need offline application, but it will not be applied directly online. Ping an car owner loan does not belong to the entire online loan application. Usually, after the owner directly applies for a loan through Ping An Bank official website, the staff of Ping An Bank will contact the owner to handle the relevant loan procedures. Therefore, the loan issuance of Ping An car owners' loans and the signing of loan contracts with car owners are all carried out offline.
The loan interest rate of Ping An car owners is relatively high, with the specific interest ranging from 1.2% to 2.08%. The interest shown by Ping An Bank official website is 2.08% per month. However, the specific interest rate still depends on the qualifications of the applicant and cannot be generalized. Suppose you apply for a car owner loan of 6,543,800 yuan with a loan term of 2 years, then the interest is 6,543,800 yuan × 2.08 %× 24 = 49,920 yuan.
Secondly, it should be noted that if the borrower fails to pay off the monthly loan principal and interest on time after applying for the Ping An car owner loan, the interest of the Ping An car owner loan will be calculated according to the cyclic interest. For a loan of more than 30,000 yuan, assuming that it takes 5-6 days in loans overdue, the circulating interest is around 538 yuan, and the cost is relatively high. Therefore, if you really want to apply for a loan from a safe car owner, you must pay attention to repayment on time.
Requirements for applying for a loan from a safe car owner 1. If you want to apply for a safe car owner loan, the prerequisite is that the car owner's credit information must be good and there is no bad record in the past two years; In addition, there should not be too many records of credit inquiry, otherwise it is more difficult to apply for a safe car owner loan. 2. If you apply for a safe car owner loan, you must pay attention to repayment on time every month, because overdue records will not only increase costs, but also report to the central bank's credit information system, and it will be difficult to get loans in the future. On the contrary, if you always repay in full and on time, then personal credit reporting is beneficial. 3. To apply for a Ping An car owner loan, the applicant must be a car owner, aged between 22 and 60, with a stable job and income, a monthly income of more than 3,000 yuan, and have lived in the local area for more than half a year. The purchased Ping An car insurance must also be within the validity period.