Loan insurance and service fees are refundable. Because the China Banking Regulatory Commission clearly stipulates that no financial products can be bundled with other products. So why do you need to tie up insurance when you have obviously applied for a loan? So the insurance premium is definitely refundable. As for the service fee, it is also refundable because the lending institution has no right to charge any other fees except interest.

It is normal for loans to be tied with insurance. Because the loan company is afraid that you will not repay the loan, it will buy you an insurance policy in your name in advance. If you can't repay the loan, the insurance company will pay off the debt. This is why “insurance payouts” appear on your credit report after a loan is overdue.

First, you need to determine whether the premium is included in your loan. You can check to see if your loan contract includes insurance premiums and service fees, and you can check to see what repayment fees are included in your repayment note. What should usually be included is: principal and interest. If all expenses except principal and interest are unreasonable. If you can't find these, then you can call Ping An Puhui; go directly to Whitney's customer service and have someone check it for you. What are your monthly payments? What is the principal amount? How much is the interest? Are other costs included? If so, record it. Ping Anhui will then refund the insurance premium and interest. If the other party refuses to refund, then you can complain to the China Banking and Insurance Regulatory Bureau, and the recording is evidence. Generally, you just need to call customer service and a human will help you apply for a refund. However, not all will be refunded. Generally, only part of the fee will be refunded to you, or part of the fee will be refunded. If you are afraid of trouble, be content with what you have. So, that's it. But if you are not satisfied then you can ask for a refund. If you are not satisfied, you can complain.

Most loan companies charge illegally. As long as the customer doesn't know, then this part of the fee is equivalent to paying in vain. But if the user knows about it, the loan company will refund part of it due to the loss. If you want to give it all back, you must be prepared to deal with the other party.

Finally, if Ping An Puhui’s loan. Whitney includes insurance and service fees, so the insurance and service fees are refundable. Because according to regulations, any loan cannot be bundled with any other products, including insurance, additional services, etc. You can directly call Ping An Puhui’s customer service and request a refund. If there is no refund or you are not satisfied with the refund amount, you can complain to the China Banking Regulatory Commission. Related Q&A: Is the loan interest rate high in Yiren Puhui?

The loan interest rate in Yiren Puhui is within the legal range and is not a very high interest rate.

Yiren Puhui is a credit loan product launched by Yirendai, a subsidiary of CreditEase Group. Yirendai is a loan matching platform. The platform itself does not participate in lending, so the Yiren Puhui loan model is compliant. . In addition, Yiren Puhui’s loan interest rates are also within the legal range, so you don’t have to worry about excessive interest payments.

In addition, when borrowing money from Yiren Puhui, if it is overdue, a credit report will be filed, and a series of overdue fees will be incurred. It is recommended to repay each loan period on time to avoid overdue loans. The maximum loan interest rate is 36, which is legal. An annual interest rate exceeding 36 is considered usury. If the lender requests the court to ask the borrower to pay the excess interest, the court will not support it.

Extended information:

The Yiren Puhui loan interest is introduced as follows:

The loan interest rate exceeds 24 and is lower than 36, if the borrower does not repay this part of the interest , the lender requests repayment, but the court will not support it; if it is repayment, and the borrower requests the lender to return it, the court will not support it.

In other words, the annual interest rate of the loan is within 24, which belongs to the judicial protection zone, and the part between 24 and 36 belongs to the natural debt area; the interest part exceeding 36 belongs to the invalid zone. Borrowing interest rates generally fluctuate based on the central bank's benchmark interest rate.

Related questions and answers: How is the interest of Ping An Puhui calculated?

Total interest ÷ principal ÷ number of monthly payments

You can roughly get the approximate monthly interest rate.

Ping An Puhui interest rates are generally higher.

But it has always been controlled within the red line.

Private lending interest rates have two red lines and three intervals, referred to as two lines and three zones. The video explains it in detail. I hope it is useful to you. ：

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