The buddy downstairs said that there was no handling fee, which probably misunderstood the landlord's meaning. Ping An Easy Loan is not called handling fee, but called Ping An premium! Ping An premium is the handling fee. That's the extra expense besides the loan interest.
1.？ How much is the handling fee?
A: The cost of Ping An Easy Loan is: office workers: 1.5%? -? 1.8% ping an premium; Private owner: 1.6%? -? 1.9% ping an premium; Take 65438+ ten thousand as an example. Do you pay an extra 65,438+10,000 yuan every month? *? 0.0 18 (ping an excellent product)? =? 1800 yuan. If the loan is for two years, the Ping An premium is 36,000 yuan. This is just the money you paid Ping An, excluding the monthly principal of 4 160 yuan and bank interest, 560 yuan!
So, if you borrow 654.38 million yuan, you have to pay back 4 166.66 (principal) every month? +? 560 (interest)? +? 1800 (ping an handling fee)? =? 6520 yuan! ? Two years later? 156640 yuan.
2.？ What is the total interest? How to deduct? Is it a monthly deduction or a one-time payment in the early stage? Is the interest decreasing month by month or in equal amounts?
Answer: Total bank interest 13440, deducted monthly, one month 560 yuan. Interest is equal and does not decrease month by month.
3. Besides, there are no other expenses.
4. If you choose Ping An Easy Loan, what is the down payment? 50,000+26,5438+0,000 is enough, and the money will be paid back every month.
To sum up, the loan is 6,543,800 yuan, the bank interest is 13440, the handling fee of Ping An Easy Loan is 43,200 yuan, and your total expenditure is 56,640 yuan. The annual interest rate is equivalent to 28.32%, which is commonly known as "three-point profit" in society!
Ps: If you really just want to buy a car, you don't need to borrow this kind of money, it will lose you. Because this kind of loan is unsecured, has no clear purpose, and the cost is extremely high. You can choose the bank's "personal car consumption loan", and all the expenses (including bank interest) are only 6.72%. You can also borrow it for three years, which is more cost-effective