The personal loan interest rate of Ping An Bank is calculated as follows:

Ping An Bank loans are applicable to all kinds of provident fund loans. The annual interest rate of each loan is different. Taking 10000 yuan as an example, it can be calculated according to the following formula:

Loan interest 1 0,000 =10,000× annual interest rate× year. For example, two-year interest on a loan of 10,000 yuan = 10000× annual interest rate× years =10000× 5.25 %× 2 =1050 yuan. The above content is the answer to the interest rate of personal loan of Ping An Bank.

Is the real interest rate of e-loan of Ping 'an House high?

Generally, the monthly interest rate of e-loan is 0.8 1%, and the comprehensive annual interest rate is 10.7%. But we must pay attention to 0.8 1% and 10.7%, which are the comprehensive interest after three years of loan. Customers who make e-loan products generally use them temporarily, and most of them will consider paying liquidated damages in advance after borrowing for three years, so the real interest calculation should consider the time of repayment.

I assume that you borrowed 500,000 yuan for three years (the monthly repayment pressure can be reduced in the early stage) and repaid in advance after 1 year. According to the annualized interest rate of e-loan, it is roughly as follows:

Monthly repayment: 17946.04 yuan,

Total interest expense: 76,634.4 yuan.

After 12 installment repayment, the remaining principal: 9 yuan.

The annual total interest rate is 500,000 = 15.33%, which is converted into 1.28% per month. So the real interest rate and interest rate have a lot to do with the repayment time. 0.8 1% is only the average value of the loan for three years.

There will also be a one-time loan service fee of 3%. First of all, this fee is indeed charged by the bank and will be deducted directly from the loan amount after you borrow. If you borrow 500,000 yuan, you will get 48,500 yuan.

Another thing to remind you is that if someone asks you to charge three points in advance and asks you to pay before lending, you can regard it as arbitrary.

Finally, although the bank will deduct the handling fee of 3%, you can participate in a cash "and search for yourself. After the loan is successful, 1 capital use cost of the loan amount can be returned.

Two. Ping 'an real estate mortgage loan interest

At present, the monthly interest rate of real estate mortgage loan of Shenzhen Ping An Bank is around 4%. Please refer to the matching scheme according to your personal situation.

Third, the real interest of Ping An Bank's mortgage.

The calculation method of personal loan interest rate of Ping An Bank is as follows: Ping An Bank has short-term, medium-and long-term loans and personal housing provident fund loans, and the annual interest rate of each loan is different. Taking 10000 yuan as an example, it can be calculated according to the following formula: loan interest 1000 yuan = 10000× annual interest rate× year. For example, two-year interest on a loan of 10,000 yuan = 10000× annual interest rate× years =10000× 5.25 %× 2 =1050 yuan. The above content is the answer to the interest rate of personal loan of Ping An Bank. Is the real interest rate of e-loan of Ping 'an House high? Generally, the monthly interest rate of e-loan is 0.8 1%, and the comprehensive annual interest rate is 10.7%. But we must pay attention to 0.8 1% and 10.7%, which are the comprehensive interest after three years of loan. However, customers who make e-loan products generally use them temporarily, and most of them will consider prepayment after borrowing for three years (because there is no penalty for prepayment of e-loan), so the real interest calculation should consider the repayment time. I assume that you borrowed 500,000 yuan for three years (the pressure of monthly payment can be reduced in the early stage) and repaid in advance after 1 year. Calculated according to the annualized interest rate of e-loan, it is roughly as follows: monthly repayment: 17946.04 yuan, and total interest expense: 76,634.4 yuan, which is divided into 12 installments. Therefore, the actual interest rate and interest rate have a great relationship with your repayment time. 0.8 1% is only the average value of the loan for three years. In addition, there will be a one-time loan fee of 3%, some say it is a guarantee fee, others say it is a service fee. First of all, this fee is indeed charged by the bank and will be deducted directly from the loan amount after you lend money. If you borrow 500,000 yuan, you have actually deducted 15000 after the loan, so the amount you get is 485,000 yuan. Another thing to be reminded is that if someone asks you to charge 3 points in advance and ask you to pay in advance before lending, it can be regarded as a fee fraud, so be careful. Finally, although the bank will deduct the handling fee of 3%, you can participate in a project called "you lend me cash back" and search for it yourself. After the loan is successful, 1.5% of the loan amount can be repaid in cash, thus reducing the use cost of funds.

4. The annual loan interest of Ping An House is 500,000 yuan?

The mortgage loan is 500,000 yuan. If commercial loans are used, the annual interest is 2 1.750 yuan at the lowest interest rate of 4.35%, and the annual interest is 23,500 yuan at the highest interest rate of 4.7%. The annual interest of mortgage loan is about 2 1.75-23500 yuan. Since the mortgage interest rate of each bank is different,

If you use provident fund loans, the interest will be lower.