1, Ping An loan is it?

1, is that the loan interest is too high, higher than the national regulations on the loan interest of four times, there is no legal effect.

2, Ping An Bank will not be issued, because it is not protected by law, the bank can not do this stupid thing.

2, Ping An Bank loan is reliable? Anyone can handle Ping An Bank new one loan personal credit loan?

Ping An Bank is a very good and reliable bank (formerly Shenzhen Development Bank), Ping An new loan is a Ping An Bank personal credit loan products, interest rates are quite reasonable 0.6%-0.83%, interest rates relative to credit loan interest rates are still relatively low, have a loan experience of the small partners estimated to have a sense of peace, Ping An new loan products are also not anyone apply can be Through and lending, Ping An Bank's wind control system is very strict. The first thing I'd like to say is that I'm not sure if I'm going to be able to do this, but I'm sure I'm going to be able to.

Which users can apply (Ping An new loan)

1. social security, provident fund more than half a year, credit record is not blank, there is a stable job

2. life insurance policy 3 years 4 times, credit record is not blank, there is a stable job

3. mortgage home more than half a year, credit record is not blank, there is a stable job

Meets the above

The credit record of the recent late, many times applying for credit cards, many times applying for online loans, credit mess, big data mess, was, don't apply for the basic will not pass the Ping An wind control system is very strict.

Investment risk lending need to be cautious, not to loan to raise loans.

I hope that the content of the editorial can help you have a different point of view leave a comment

Keep good repayment habits, credit is priceless and cherish.

Follow me to learn more about how to use credit cards, as well as financial advice

If you do not understand you can write to me privately to help you answer the question

Three, Ping An Bank, the new one loan formal, is not it?

This product is formal. But this product interest rate is relatively high, annualized interest rate from 10.8%, the final interest generally between 12%-16%, and is equal to the repayment of principal and interest repayment, repayment pressure is relatively large. This product is the principal in accordance with the return of equal amounts each month, but each month interest, indeed, in accordance with the initial borrowing amount to return, so he is not the real equal principal and interest, easy to be confused. The "New One Loan" is a large credit loan under Ping An Bank, with an amount between 10,000 and 500,000 yuan, and products including monthly payment loans, insurance policy loans, provident fund loans, social security loans, etc., with a combined annualized interest rate between 13% and 20%. : In short, there are two pits in this loan product, one pit is that the borrowed principal is constantly decreasing, but the base for calculating the interest rate has remained the same, resulting in higher interest rates the further you go; the second pit is that if you want to pay back the loan early, sorry, charge you a 5% administration fee. The new loan application conditions: 1, apply for age 25-55 years old, in the current unit of continuous work for six months; 2, the average monthly income in the last six months is not less than 3000 yuan, some cities (Shenzhen, Guangzhou, Shanghai, Hangzhou) is not less than 4000 yuan; 3, there is a legal and stable source of income, with the ability to pay off the loan; 4, personal credit record is good, no overdue loan records; 5, to meet the Ping An bank The other conditions of the loan. How much is the new loan amount: the maximum loan amount of 500,000, you can choose the loan period of 12 months, 24 months, 36 months repayment period, the longest period of use up to 3 years. Without collateral and guarantee, you can get a certain amount of loan with your personal credit, and the use of the loan covers buying a car, renovation, traveling, further study, wedding, medical care, etc., which meets the loan needs of many people. What's the difference between Ping An Puhui and Ping An Puhui: Ping An Bank's new loan interest rate is lower, but the process is cumbersome, but Ping An Puhui is a bit simpler, and the release of funds is relatively fast. Ping An new loan is a Ping An bank loan products, but Ping An Puhui is a larger loan platform, although the name is Ping An, but the nature is very different. If you want to apply for a more reliable loan, it is still recommended to apply for a new - loan, after all, it belongs to the bank's loan products. Note: 1, the new loan on the application of the customer's age is more strict, the applicant's age is a minimum of 23 years old, less than this age of the user can not apply for the new loan. 2, the new loan needs the applicant's current job engaged in time can not be less than 6 months, if you can not provide a valid proof of work, will also be rejected. 3, want to apply for the new loan, you need to have a stable source of income, north of Guangzhou, Shenzhen and Hangzhou. The user's monthly income can not be less than 5,000 yuan, and people in other areas can not be less than 4,000 yuan.

Four, Ping An Bank new one loan interest rate 18.36 and 10.2 difference

In fact, the law is different, the new one loan annual interest rate of 18.36%, converted into an average monthly interest rate is 8.5 percent, 8.512%. For example: a loan of 10,000 yuan, a period of 12 months, the annual interest rate of 18.36%, in accordance with the equal principal and interest repayment trial, the total *** interest for 1022.17 yuan; average monthly interest rate = 1022.17/12/10,000 ≈ 0.0085, that is, 8 cents 5.

The country long ago to have a clear definition of the simple fact that there are two red lines that is 24% and 36%, exceeding 36% above belongs to the high between, the law does not support nor negate, below 24% then the law is supported, if you refuse to repay, the lending institution to you to, you still have to bear the repayment of the righteousness

Annual interest rate of 18.36%, converted into a monthly interest rate of 1.53%, then can be if borrowing 10,000 yuan, borrowing one day, the interest rate of 15.3% of the 5.1 yuan. Annual interest rate of 18.36% still, the user at that rate of to be returned in accordance with the contract.

Otherwise, the lender can be in accordance with the loan contract to the lender, but because there is also a cost.

:

A loan interest rate calculation method

There are many institutions in the loan interest rate to play ball, such as credit card loan ads, claiming that the interest rate per period is only 0.72%, in fact, you can not simply divide the total interest rate by the total amount of gold to calculate the true rate of the cost of funds used.

For example, borrowing a 9,000 yuan, the remaining one thousand dollars of the principal is still calculated according to the original 10,000 interest is not the one claimed by the advertisement. We can use the formulas directly in EXCEL, enter the number of months of installments real interest rate, at least to turn over 2

Two, Ping An owner loans pit people?

Peace of mind car owner loan, also known as the owner of the credit loan, it is by the Ping An Bank specifically for car owners to launch a kind of unsecured loan does not bet on the car, you only need to provide the vehicle registration certificate, the license, the vehicle commercial insurance insurance in the last six months, such as payroll current materials. You can get a maximum loan amount of 15 million, the fastest day can be disbursed.

So, this loan pit?

Peace of mind car owner loan loan term most - 7.6% ranging. If the owner interest rate of 6.09% calculation, a 00 annual interest rate of 6.09% 1 year = 3045. another 5% handling fee, 50,000 yuan of handling fee is also 2500 yuan.

In addition to these fees, there are users reflecting the fee, which is 3,900 yuan a year. What are the dark charges, all the fees will basically be expressed in the signing of the contract, you can choose whether you accept, so it can not be said that it is a pitfall.