"6% to 8% interest is the total amount of the loan, isn't it? Are there any other expenses? " "Yes, that's all the expenses. Nothing else. "
Unknown cost?
On August 5, the above-mentioned insiders said that since April, the number of complaints from Ping An Pratt & Whitney; Whitney has proliferated and many complaints need to be dealt with.
Ms. Shi said that she did not know about the service fee and guarantee fee. If she had known these expenses, she wouldn't have taken out the loan.
Teacher Zhang from Qingdao reported that he had a mortgage loan of 700,000 yuan in Ping An Pratt & Whitney on 20 18,10, 19. Whitney Qingdao Branch has paid RMB 260,265,438+0.22 per month for three years.
According to the repayment schedule provided by Teacher Zhang, the total monthly repayment is 2602 1.22 yuan includes: monthly repayment of principal 17373. 19 yuan, monthly repayment of interest of 4,433.33 yuan, monthly service fee of 3,360 yuan, monthly guarantee fee of 23.65438 yuan +0 yuan, and monthly insurance premium of 8,365,438 yuan.
2065438+In August 2009, Mr. Zhang sued Ping An Pratt & Whitney; Hui Financing Guarantee Co., Ltd. filed a lawsuit with the People's Court of Laoshan District, Qingdao on the grounds of Ping An Pratt & Whitney Credit Manager. Whitney did not clearly inform the service fee, guarantee fee and other rates, resulting in an increase in the actual loan interest rate. So far, an experiment has been carried out.
It is reported that both Ms. Shi and Mr. Zhang have signed the Service Power of Attorney, Loan Contract, Entrustment Guarantee Contract and Personal Loan Guarantee Insurance Contract with Ping An Pratt & Whitney, corresponding to the above different rates.
Teacher Zhang and Ms. Shi admit that they did sign these contracts. However, Teacher Zhang said, "The credit manager said that he signed the loan contract and the electronic contract, but he didn't know that the service fee contract and the guarantee contract were superimposed behind the loan contract. The key is that the service fee contract agreed on the annualized rate and did not see it. "
Geometry?
The nominal interest rate referred to by this person is the annual interest rate calculated by APR; The real interest rate is the annual interest rate calculated in IRR caliber. APR is the annual interest rate, which refers to the ratio of interest amount to deposit principal or loan principal in a certain period, commonly known as "annualized comprehensive cost". IRR is a technical term used by financial institutions, which is called internal rate of return, that is, the total present value of capital inflow is equal to the total present value of capital flow, and the net present value is equal to the discount rate of zero.
An industry lawyer said that Ping An Pratt & Whitney's interest rate. Whitney's business promotion is basically around 1 minute, but if the actual monthly interest rate calculated by IRR method is much higher than the nominal interest rate, it is close to twice the nominal interest rate. Because of peace and tolerance. Whitney regularly collects service fees, guarantee fees and insurance fees from customers every month. According to the third section of Chapter III of the Summary of National Civil and Commercial Trials, financial institutions charge interest in disguised form in the name of service fees, insurance fees and management fees. The court does not support it.
The article says that the actual value of 100 yuan today is different from that of 100 yuan one month, two months and n months later. Considering the time factor in the future, the current 100 yuan may be less. Similarly, if the future repayment amount of financial consumers is converted back to the current loan principal at a certain interest rate, this interest rate is the borrowing cost actually borne by consumers, that is, IRR.
Standardize development
According to the above-mentioned insiders, Ping An Pratt & Whitney's basic comprehensive nominal loan interest rate; Whitney is now within 24%, but may exceed 24% or even 30% at 201617. It is also gradually developing in standardization.
The person admitted that before 20 17, Ping An Pratt & Whitney; Whitney has a one-time fee ("beheading interest") before the loan. Later, the documents were supervised, safe and inclusive; Whitney is also in charge of supervision, and there is no charge in advance.
In addition, regarding the problem that some customers use the actual interest rate to calculate the interest rate on the high side, the person familiar with the matter also said that because the current credit companies calculate the interest rate, the relevant departments have not clearly stipulated which method must be used. The theme of Pratt & Whitney; Whitney is a financing guarantee license, and the financing guarantee is managed by the local financial bureau/office. Hao Wei
For performance appraisal, the above-mentioned insiders said that Ping An Pratt & Whitney; Whitney is considering reforming the evaluation of credit managers to make them completely in line with pure performance orientation. At present, some first-tier cities should try to use the bad debt rate after loan issuance as an assessment method for credit managers. However, at present, it is safe and inclusive; Whitney involved about 70,000 front-line credit officers and many employees, and it was not fully implemented. If implemented, it means that the commission of the salesman may be reduced.
The above-mentioned Beijing financial industry lawyer said: "On the one hand, the staff did not make it clear. If the customer is a credit manager and the agreement is signed by mobile phone, the customer is also responsible. He can't sign the agreement without reading the contents, which shows that he is irresponsible for his signature. Loans are financial products, which have high standards for the whole signing process, but the main responsibility lies with the loan subject, and customers cannot sign agreements like this. This signature process
Lawyers also suggested that if the parties encounter such a situation, they can report the situation to the local financial office. There is enough evidence to go to court, but many complaints end in vain because the customer's evidence is insufficient. The customer is not responsible for his signature, so the signed contract must be carefully read.
Ping An Pratt & Whitney said the above-mentioned person; Whitney said that in order to continuously optimize business processes and improve customer satisfaction. Ping An once again carefully inspected all business links in recent years. In the process of signing and lending, the "double record" at the time of signing and the return visit after lending were added. "Double recording" requires customers to keep audio and video recordings of loan confirmation information during the signing process. The customer needs to reply "Yes" to the automatic voice broadcast before continuing the application process; Otherwise, they will not continue the application process.
The person also said that Ping An Pratt & Whitney; Whitney insists on finding and resolving risks in time; Update and improve the company's system norms in time to ensure that the company's operation and management are guaranteed by the system; Timely interpretation of regulatory laws and regulations, in-depth analysis of the impact on the company and business, put forward management suggestions, and promote the internalization of external laws and regulations; Establish a daily training system, covering the company's senior management, business department leaders, employees of the head office and branches, focusing on topics such as information security, basic legal knowledge and operational risks.
Related Questions and Answers: Related Questions and Answers: How much do you know about Ping An Pratt & Whitney? How to complain about violations? Ping An Pratt & Whitney Financial Group, a subsidiary of China Ping An Insurance Group Co., Ltd., provides loan services for small and micro enterprises and individual customers, and builds a global brand of loan consumer finance.
With the development of Ping An Pratt & Whitney loan business, various small Ping An Pratt & Whitney branches have mushroomed. The original intention of the company is good, in order to liberate some small and medium-sized enterprises from financial difficulties. However, due to the lack of supervision in the implementation, Ping An Pratt & Whitney Company subsequently experienced problems such as high interest rate, beheading, violent collection, and illegal execution. The loan companies and lenders have great opinions, and some even reported to the police.
For the above problems, the lender can: complain to Ping An Customer Service at any time (Tel: 955 1 1), and then report to the local financial supervision department. Offenders can report to the local public security department. 4. Violent collection can be reported to the local anti-crime offices.