Is Ping An Easy Loan a formal loan?
Ping An Loan is a very formal platform, which has been focusing on loan services for ten years. Its products include Ping An Credit Insurance, Fu Deng Guarantee, principal small loan and other business models. Details are as follows.
1. Ping An Easy Loan is a personal or family consumer loan business initiated by China Ping An and guaranteed by an insurance company. This kind of loan needs to be audited by the insurance company and can only be processed after it has the repayment ability. On the other hand, it is equivalent to being guaranteed by Ping An Group, which is very safe and reliable.
2. The interest rate of Ping An Easy Loan is extremely low. The monthly interest rate is 2% of the account opening fee, 3% of the loan repayment fee, and the annual interest rate is 30%. The personal loan does not exceed 6,543,800 yuan. For example, a loan of 20,000 will be repaid in 24 installments. The monthly principal payable is 833 yuan, the monthly interest payable and the monthly insurance premium payable are 460 yuan, and the monthly repayment amount is 654.38+0293 yuan. It's just that the loan interest is lower than the central bank loan.
3. Ping An Easy Loan is a product of China Ping An Insurance, and China Ping An Insurance is the first joint-stock insurance company in China. Up to now, it has developed into an integrated, compact and diversified comprehensive financial service group integrating financial insurance, banking, investment and other financial services. If it is used as a guarantee, the risk will be greatly reduced.
The above is a detailed answer to whether Ping An Easy Loan is a formal loan. I hope this answer can help you solve the problems in your life.