The average monthly repayment interest is 0.55%, which is equivalent to the annualized video interview customer service. Both of them will say that the interest rate is still relatively high, and few people can get 0.55% interest, with the range of 0.55%- 12%- 18%, with equal repayment of principal and interest.

Second, is the interest rate of Ping An owners high? Example calculation

Ping An Car Owner Loan is a automobile mortgage product without parking and GPS installation. The maximum loan amount is 500,000 yuan, which can be extended within 1 day at the earliest. It supports multiple installments of 65,438+02/24/36. Loan funds can be used for personal consumption or business, but not for housing market and stock market investment. So, is the interest rate of Ping An car owners high? Let's take a look together.

First, is the interest rate of Ping An owners high? According to Ping An Bank's customer service reply, the annualized interest rate of Ping An car owners' loans is divided into four grades: 12%, 14%, 16% and 18%, and the interest rate of performance insurance users is unified on an annualized basis. In other words, the maximum annualized interest rate of Ping An car owners' loans is less than 24%, which can be protected by law and is not high. Second, how much is the interest on the loan of Ping An car owners? 1. The repayment method of Ping An owner's loan is equal to the principal and interest on a monthly basis, and the total interest = repayment months-loan principal. 2. Monthly repayment amount = [loan principal × monthly interest rate× (1interest rate) repayment months ]=[( 1 interest rate) repayment months-1], where "repayment months" represents the power of repayment months, for example, "2" represents a repayment month. 3. For example, if the loan amount is 200,000 yuan and it is repaid in 36 installments, and the annualized interest rate of the loan is 18%, then: monthly interest rate =12 = monthly repayment amount = [200,000 ][( 1 yuan, total interest = The above is about "Is the owner's loan interest rate high? "I hope I can help you.

Third, is Ping An car loan annualized 18% high?

Tall man.

Ping An Bank's automobile mortgage loan products mainly refer to the owner's loan, and the annualized interest rate of the owner's loan has four grades, namely 12%, 14%, 16% and 18%. In addition, users of performance insurance uniformly implement the annualized interest rate of 18.5%.

Assume that the principal of automobile mortgage is 654.38 million yuan, which will be repaid in 36 installments. As the repayment method of Ping An Bank's owner loan is equal monthly principal and interest, therefore:

1. If the annualized interest rate is 12%, then the interest of the automobile mortgage loan = 1957 1.52 yuan;

2. If the annualized interest rate is 14%, then the interest of the automobile mortgage loan = 23,039.47 yuan;

3. If the annualized interest rate is 16%, then the interest of the automobile mortgage loan = 26,565.32 yuan;

4. If the annualized interest rate is 18%, then the interest of automobile mortgage loan is = 30 148.62 yuan;

5. If the annualized interest rate is 18.5%, then the interest of auto mortgage loan is =3 1053.37 yuan.

The result from the above example is that the general interest of Ping An Bank automobile mortgage is between 1957 1.52 yuan -3 1053.37 yuan. However, because the amount of car mortgage loan of Ping An Bank ranges from 500,000 to 500,000, the loan period can be divided into 65,438+02,24,36 periods. Different preconditions will lead to different results, and the specific interest depends on the actual situation.

4. What is the interest rate in automobile mortgage? Are there any risks?

Automobile mortgage interest rate is the return paid by the borrower to the lender, usually calculated as a percentage of one-year interest and principal. The interest rates of different loan channels are different:

1, bank loan

When a borrower applies for a mortgage loan in a bank with the purchased car as collateral or pledge, the bank must issue an automobile sales contract, an automobile mortgage agreement, a automobile mortgage contract, etc. The annual interest rate starts at 6%.

2. Trust loan

Trust automobile mortgage means that the trustee accepts the entrustment of the principal and makes a loan with the funds deposited by the principal according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan), and the financier takes automobile mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18%.

3. Pawn loan

Mortgaged real estate mortgage loan refers to the behavior that the pawnbroker mortgages his car to the pawnshop, pays a certain percentage of handling fee and interest, obtains the pawnbroker's interest and handling fee, and repays the pawnbroker's money and redeems the pawnbroker's goods within the agreed time limit. Interest and other comprehensive expenses add up to about 3% per month.

In fact, auto mortgage itself is not too risky, and its risk mainly lies in the choice of platform. Because it is difficult for everyone to find a suitable buyer, or it is difficult to find a suitable price for their car mortgage.

And the emergence of some loan platforms is to help you find the right lender in the shortest time and help you handle the car well. The problem is that everyone has little experience in automobile mortgage. Without experience, they don't know how to find a trustworthy platform. After all, there is a big difference between a good platform and a bad platform.

Before you choose automobile mortgage, you should consult different people, and then go online to see some people's comments on the current lending platform. It is relatively trustworthy to have a very reputable lending platform. And when you choose a good platform, you will avoid some risks from the source.

After that, we should pay attention to whether the borrowers found on this platform are reliable and whether the lending platform will take the initiative to help you borrow money. It should be noted at this time that borrowers are a platform to match according to everyone's requirements. Under normal circumstances, the matching result is very high, and both parties have this intention to do a good job in car mortgage. However, the platform used by everyone is not qualified to act as a lender. They are only intermediaries, not loans.