Ping An car loan is a regular car loan of Ping An Pratt & Whitney and Ping An Bank, but it is difficult to approve it. I am a colleague.

Secondly, should Ping An Bank change the LPR interest rate of auto loans?

Now the banking regulatory bureau stipulates that the mortgage on August 25, 2020 will be changed to LPR. I didn't say that the car loan should be changed.

3. What is the mortgage interest rate of Ping An Bank?

What is the loan interest rate of Ping An Bank?

The loan interest rate of Ping An Bank is floating above the benchmark interest rate of the central bank, and it is a popular practice to float on a regular basis. The annualized interest rate is 8.2% for the 6th installment, 8.6% for 12 installment, 8.8% for the 24th installment and 9.2% for the 36th installment.

Ping An Bank loan product interest rate reference:

1. Ping An Bank's "New One Loan" personal credit loan has a monthly interest rate of 0.49%, an annualized interest rate of 5.88% and a maximum amount of 500,000;

2. The loan amount for white-collar workers of Ping An Bank is 300,000-500,000 yuan, and the loan amount for some customers can be extended to 6,543,800 yuan. The loan interest rate is 0.5%, and the monthly interest per ten thousand yuan is about 50 yuan;

3. The loan interest rate of Ping An Bank's digital loan business license is 0.58%- 1%, the minimum annualized interest rate is 6.96%, the amount is 1-300,000, and the maximum withdrawal amount is110,000;

4. The car loan interest rate of Ping An Bank is about 0.8%- 1.65%, and the maximum amount is 500,000;

5. The corporate tax coupon loan of Ping An Bank is RMB 6,543.8+0,000, and the annualized interest rate is 7%-654.38+0.2%.

Extended data:

Is Ping An Bank's loan formal?

Ping An Bank is an absolutely formal and reliable bank. Ping An Bank is one of the largest joint-stock commercial banks in China 12. Its scale and financial strength are recognized by the market. Its interest rate and activity norms are also under the jurisdiction of China Banking Regulatory Commission, and its business is extensive. Whether it's an institution or an individual or one that recognizes Ping An Bank.

Secondly, according to the understanding of Rongcheng Trustworthy Platform, Ping An Bank has low qualification requirements for lenders. It can be said that Ping An Bank is the bank with the most loans and the highest approval quota. Generally, borrowers are required to be over 20-55 years old, have full capacity for civil conduct, have a stable job, have a good credit report, have no overdue inquiry records, and have no online loans.

Therefore, on the whole, Ping An Bank has its popularity and scale strength, as well as the norms and conditions of loan business. It is not an unconditional online loan, but it is relatively formal and reliable on the whole.

4. What is the loan interest of Ping An Automobile now?

According to official website of Ping An Bank, the minimum annual interest rate of car mortgage loan of Ping An Bank is 4.9%. However, according to the feedback from the actual borrowers, the interest rate of Ping An Auto mortgage loan has four grades, namely: 12%, 14%, 16% and 18%. Change according to the borrower's comprehensive loan qualification.

Assuming that the borrower has applied for the Ping An automobile mortgage with 654.38 million yuan, the annual interest of the loan is10.20 million yuan,10.40 million yuan,10.60 million yuan and10.80 million yuan respectively. Total interest = repayment months, monthly repayment amount-loan principal. Monthly repayment amount = [loan principal × monthly interest rate ×( 1 interest rate) repayment months] = [(1interest rate) repayment months-1].

Car mortgage conditions of Ping An Bank: 22-60 years old, with stable income; The unsecured vehicle currently applied in my name; The vehicle purchase shall not exceed 10 years (subject to the date of first license); The mileage does not exceed10.5 million kilometers, and the vehicle evaluation value is more than 50,000; The vehicle that has been purchased for less than 5 years is licensed and unsecured, and it is in the name of an individual.

Ping An Bank can provide car owners with a loan amount of up to 500,000 yuan, a minimum of 50,000 yuan and a maximum repayment period of 48 months. If the borrower's car loan application is approved, the loan will generally be issued on the same day. The vehicle mortgage fee shall be collected by the local dmv, subject to the regulations of the local dmv. However, the expenses related to mortgage loans should be borne by banks.