4.35%。 The mortgage interest and interest rate of Ping An Bank are not fixed. Within six months to three years, the loan interest rate is 4.35%. Dongying, a prefecture-level city in Shandong Province, the central city of the Yellow River Delta in China and an important oil base in China approved by the State Council. Dongying is located in the east of China, in the northeast of Shandong, at the mouth of the Yellow River.
What's the general interest rate in automobile mortgage?
Vehicle mortgage loan refers to the loan obtained from some financial institutions or automobile consumption loan companies with the borrower or a third party's car or self-purchased car as collateral. The loan amount is generally 70% of the assessed value of the vehicle. Many borrowers have asked, how much is the interest on car mortgage? Teach everyone to calculate loan interest in one minute!
How much is the interest on car mortgage?
The interest rate range in automobile mortgage is roughly 0, but most of the interest rates in automobile mortgage are based on the monthly interest rate. Banks are in the middle, and financial institutions are separated by more than 1 minute. Calculation formula of interest: interest = loan principal loan interest rate loan term.
Generally speaking, banks will require the vehicle age, mileage and vehicle valuation of the loan vehicle, but financial institutions will require the vehicle to be registered in the name of the lender, with a license and no guarantee.
Loans can be used for business purposes such as purchasing raw materials and commodities, and also for consumer purposes such as car purchase, decoration, travel and wedding. Bank's vehicle mortgage loan is generally not allowed to be used for buying a house, studying abroad, investing in financial securities and other purposes.
The general car loan interest rate is slightly higher than the bank benchmark interest rate. The average interest rate of bank car loans generally rises by 10% according to the bank benchmark interest rate. The benchmark annual interest rate of banks is one year, and the one-year car loan interest rate is one year. Suppose the borrower takes out a car mortgage of 654.38 million yuan and repays it within one year. If the annual interest rate is equal to the principal and interest, the total interest is RMB, the total repayment is RMB, and the monthly repayment is RMB. According to the average principal repayment method, the total interest is RMB, the total repayment amount is RMB, and the repayment amount is RMB 8843 in the first month, and the repayment amount decreases month by month.
What is the loan interest rate of Ping An Bank?
The monthly interest rate of 1. 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.
There is no handling fee, which saves you a lot of extra expenses.
If the lender applies for Ping An Bank's decoration loan, credit loan, car loan and other products. According to the lowest loan interest rate of Ping An Bank in official website, the one-year loan interest rate is 4.35%, the one-to-five-year loan interest rate is 4.75%, and the five-year loan interest rate is 4.9%.
If the user applies for a loan of 654.38 million yuan, if the user applies for a one-year loan, the loan interest is 4350 yuan. If you apply for a loan for one to five years, the total loan interest is between 4750 and 23750 yuan. If you apply for a loan for more than five years, the loan interest is 4900 yuan x years.
If the lender applies for a personal housing loan in Ping An Bank, according to the data of relevant institutions, the average loan interest rate of the first suite of Ping An Bank is 5.4%. In this way, the lender applied for a loan of 654.38 million yuan, with an annual loan interest of 5,400 yuan.
How to calculate the personal loan interest rate of Ping An Bank?
First of all, the national benchmark interest rate is 4.35%, but the interest rate varies from place to place, depending on your qualifications. Also, the interest rates of credit loans and mortgage loans are different. Comprehensive pricing is carried out according to factors such as business type, credit status and guarantee method.
At present, the latest benchmark loan interest rates are: within 6 months (including 6 months), 5.85%, 6 months to 1 year (including 1 year), 6.3 1 year to 3 years (including 3 years), 6.4%, 3 years to 5 years (including 5 years), and
I. Personal loans
Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation.
When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
Second, the application conditions
Conditions for applying for personal loans:
First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.
Third, the credit record is good and there is no bad credit record.
Fourth, it can provide legal and effective guarantees recognized by banks.
Fifth, other conditions stipulated by the bank.
Generally meet the above conditions, you can apply for a loan from a commercial bank.
Three. Application procedure
1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;
2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;
3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;
4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;
5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.
Fourth, matters needing attention
1. Apply for the loan amount according to your own ability. When applying for personal loans, borrowers should make correct judgments on their economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.
2. Choose a good loan bank.
3. Choose the repayment method that suits you best. There are two repayment methods: one is equal repayment, and the other is equal repayment of principal. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.
The information provided to the bank should be true.
5. Accurately providing my address and the address provided by the borrower to the bank can facilitate the bank to contact with it and receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, you can receive the interest rate adjustment notice from the bank at the beginning of the year. In addition, it is especially important to remind borrowers that when you move to a new house, you must inform the loan bank of your new contact address and contact information in time.
6. Repay on time every month to avoid penalty interest. For borrowers, before the agreed repayment date every month, they should pay attention to whether there are enough funds in their repayment accounts to avoid being punished by the bank for their negligence, and never lose money because of their negligence, and at the same time leave a bad credit record in the bank.
How much is the interest of Ping An Bank's mortgage loan of 50,000 yuan?
According to the latest loan interest rate of Ping An Bank on February 29th, 2020, the interest on the 50,000 yuan mortgage car loan is 63 yuan/month/10,000 yuan.
How about the loan interest of Ping An Bank?
Speaking of Ping An, most people should still stay at the insurance level, but in fact Ping An Group has also launched a credit business. In addition, Ping An Group is the first joint-stock insurance company in China, and its enterprise qualification background is very strong, so the loan from Ping An Bank is still very reliable, so you can rest assured.
Of course, the interest of Ping An Bank loan is related to personal credit and liabilities. At the time of application, the platform will make a comprehensive score, and according to the final approval and the credit benchmark interest rate, it will be given a corresponding upward adjustment. At present, the monthly fixed interest rate of Ping An Bank loan is between 1.29%- 1.89%, and the interest is not very high.
It is estimated that most people have heard of Ping An Insurance, but they are not familiar with Ping An Bank loans. Ping An Insurance was the main business of Ping An Group at first, and then gradually introduced financial services such as loans. Because of "youth", some people worry that Ping An Bank is not reliable. In fact, such doubts are unnecessary. From the security point of view, Ping An Bank's loan is reliable. Although it does not belong to the four major banks in China, it is also supervised by the People's Bank of China and the China Banking Regulatory Commission, and the interest rate is relatively low. The loan period you can choose is also relatively long and the procedures are relatively simple. Now many people apply for loans and choose Ping An Bank. As a relatively high-ranking bank in the current market, it is more reliable to provide users with a variety of financial and credit services. However, users who apply for loans at Ping An Bank also need to know more about bank loans.
China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it needs to be audited by an insurance company with repayment ability, which is equivalent to Ping An Group's guarantee. The lender shall pay the insurance premium to Ping An Group in one lump sum after obtaining the loan, and deduct the bank interest and monthly repayment amount regularly every month. It is impossible to borrow money from banks without collateral, and the new "credit guarantee insurance" of Ping An Group has solved this problem. The lender has no collateral, and the bank is worried that the customer can't repay the money and can't control the risk, so the bank gives the risk management to Ping An, and Ping An will check the customer's information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination. For customers with credit insurance, with Ping An Group as the credit guarantee, they can directly bring the credit policy to the cooperative bank to sign a "personal consumption loan" contract. After the contract is signed, the cooperative bank will lend the money to the applicant's account according to the date stipulated in the contract.