1. The insurance premium and service fee of Ping An Pratt & Whitney are additional expenses besides insurance interest. Generally speaking, loans are not allowed to have service fees other than interest. In other words, it is reasonable for users to apply for a refund of the company's security insurance service fee.
2. How to refund the flat insurance package service fee: Step 1: First, calculate the annual interest rate of your loan. As long as it reaches the statutory 36% or above, you can recover part of the interest. Step 2: Then find the loan details, contract details and policy details in Ping An Pratt & Whitney APP. Then calculate how much you need to repay according to the interest rate inside, including interest, insurance and service charge. Then call Ping An customer service. Step 3: Under normal circumstances, customer service will not agree to withdraw it immediately. After that, the customer service will submit the application and wait for the follow-up processing. It's best to ask his job number clearly, and the customer service will reply within a few days. Then during the refund process, you will receive the corresponding refund. Operating environment: Apple 12 Ping An Pratt & Whitney
Because the service fee and insurance premium are hidden in the contract, most customers don't know. Ping An's telemarketers or offline salespeople are more likely to be accepted by customers when applying for loans. Generally, they only say that the interest is 8% to 1.2, not to mention the service fee and insurance premium. This requires careful handling by customers.
Direct bank loans do not guarantee the company's qualifications. Without bank qualification, they can only provide guarantee for corporate loans. The risk of overdue is relatively high. In order to transfer some of their own risks, the guarantee company will seek insurance from the insurance company. The goal is that for each loan, the customer pays the insurance premium every month. This is the origin of monthly premium.
Ping An Pratt & Whitney monthly premium refers to the extra service fee deducted from the loan interest every month after the lender obtains the loan from Ping An Pratt & Whitney, that is, the extra interest is charged in disguise. The fees charged by the lender can be indicated in the contract cheque. According to relevant national laws and regulations, financial institutions may not charge fees other than interest. Therefore, users should read the relevant regulations carefully when borrowing, and if in doubt, please consult the relevant functional departments.