Regarding the service fee and insurance premium of Ping An Pratt & Whitney Loan, the relevant service personnel of Ping An Pratt & Whitney understand that they have a detailed business understanding of this business.
1. The insurance premium and service fee of Ping An Pratt & Whitney are additional expenses besides insurance interest. Generally speaking, loans are not allowed to have service fees other than interest. In other words, it is reasonable for users to apply for a refund of the company's security insurance service fee.
2. How to refund the flat package service fee: Step 1: Calculate the annual interest rate of your loan first, and you can recover part of the interest as long as it reaches the statutory 36% or above. Step 2: Then find the loan details, contract details and policy details in Ping An Pratt & Whitney APP. Then calculate how much you need to repay according to the interest rate inside, including interest, insurance and service charge. Then call Ping An Customer Service. Step 3: Under normal circumstances, the customer service will not agree to withdraw immediately. After that, the customer service will submit the application and wait for the follow-up processing. It's best to ask his job number clearly, and the customer service will reply within a few days. Then in the process of refund, you will receive the corresponding refund. Operating environment: Apple 12 Ping An Pratt & Whitney
Because the service fee and insurance premium are hidden in the contract, most customers don't know. Ping An's telemarketers or offline salespeople are more likely to be accepted by customers when applying for loans. Generally, they only say that the interest rate is 8% to 1.2, not to mention the service fee and insurance premium. This requires careful handling by customers.
Direct bank loans do not guarantee the company's qualifications. Without bank qualification, it can only provide guarantee for corporate loans. The risk of overdue is relatively large. In order to transfer some of their risks, guarantee companies will seek insurance from insurance companies. The goal is that for each loan, the customer pays the insurance premium every month. This is the origin of monthly premium.
Ping An Pratt & Whitney monthly premium refers to the extra service fee deducted from the loan interest every month after the lender obtains the loan from Ping An Pratt & Whitney, that is, the extra interest is charged in disguise. The fees charged by the lender can be indicated in the contract cheque. According to relevant national laws and regulations, financial institutions may not charge fees other than interest. Therefore, users should read the relevant regulations carefully when borrowing, and if in doubt, please consult the relevant functional departments.
Does the bank charge for the loan to buy a house?
Yes, there are other fees for bank mortgage loans:
Insurance premium = loan amount × loan term × rate (generally about five ten thousandths).
The stamp duty of the insurance premium is one thousandth of the insurance premium.
The bank stamp duty is 0.5% of the total loan.
Matters needing attention in handling mortgage loans will encounter some common problems in the process of handling housing mortgage loans. After asking the relevant professionals of the bank, the summary is as follows, for reference only.
1. Basic requirements for loan applicants: China people (including Hong Kong and Macao people) with full civil capacity, generally aged between 18-60 (male) or 55 (female). Foreigners can't apply for a mortgage for the time being.
2 loan applicants should submit the following materials when handling bank mortgage loans:
Identity cards and household registration books of both husband and wife (original and photocopy);
The income certificate (original) of both husband and wife should be obtained from the bank and filled in according to the standard text required by the bank, and the amount should be expressed in words;
Marriage certificate (original and photocopy). If the marriage certificate is lost, it must be reissued at the original issuing civil affairs organ;
If the borrower is a non-local hukou, he needs to apply for a temporary residence permit, and the down payment will be increased by 10% (that is, the minimum down payment is 30%).
3. The maximum residential loan can reach 80% of the house price, and the longest loan period is no more than 30 years (the sum of the loan period and the borrower's age shall not exceed the borrower's retirement age, that is, 60 years for men and 55 years for women). )
4. There are two repayment methods: average capital repayment method and equal principal and interest repayment method.
The average capital repayment method means that the repayment amount is gradually decreasing, and the equal principal and interest repayment method means that the monthly repayment amount is equal. The former has great pressure on repayment at the initial stage, which is suitable for the situation that families have certain liquidity and can occupy less funds after paying more in the early stage. The latter has equal pressure and is suitable for civil servants or employees of institutions with stable income.
If the borrower wants to write the name of the minor child on the title certificate, just let the child sign the house purchase contract, which has nothing to do with the mortgage bank procedures. However, minor children cannot apply for loans in their own names.
6. In addition, there are other fees for handling bank mortgage loans:
Insurance premium = loan amount × loan term × rate (generally about five ten thousandths).
The stamp duty of the insurance premium is one thousandth of the insurance premium.
The bank stamp duty is 0.5% of the total loan.
7. If the borrower wants to prepay, he can prepay in part or in whole without any restrictions, but after one year of normal repayment, he can fill in the application form at the bank. There is no charge for early repayment, and all banks in Shijiazhuang have not charged any liquidated damages.
8. After all the materials are submitted by the borrower, they will be handed over to the bank personnel for voucher after preliminary examination. After returning, the account manager will be responsible for the investigation, and after the investigation, it will be reviewed by the credit review department. During the audit, depending on the borrower's situation, the borrower may be required to increase the down payment and provide credit certificates such as real estate license, driving license, time deposit certificate or national debt due at least one year later.
How much is the insurance premium for the loan?
Hello, regular loan companies will not charge fees such as deposit, verification money and insurance money. And they will not communicate with you through personal social accounts such as QQ and WeChat. Therefore, if you encounter a fake regular loan company to conduct financial activities, please be vigilant and don't be deceived. If you are deceived, you will call the police as soon as possible to minimize your economic losses.
"Qianhua" is a credit service brand (original name: Baidu Qianhua, renamed as "Qianhua" in June of 20 18) under Du Xiaoman Finance (formerly Baidu Finance). Click it to borrow the maximum amount. Big brands are reliable and low interest rates are trustworthy. Money is easy to borrow and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
At present, the expenses of easy loan include: interest, loan expenses (if any), and default interest will be charged if overdue. Early repayment is supported by easy loans. Whether there is liquidated damages for prepayment is subject to the page display. The specific charging standard is subject to the loan page display.
When users apply for loans, they will encounter loan products with different repayment methods. Because interest rates are often expressed in different ways, such as the daily interest rate of five ten thousandths, the monthly interest rate of 1% and so on, it is difficult to compare which product is more economical. The price comparison artifact introduced by the rich can help us solve this problem. By comparison, we can intuitively understand the interest and expense details of the compared products, which helps us to make decisions.
This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.
Do I have to pay insurance for the mortgage?
Pay insurance. Because the mortgage loan term is relatively long, banks require buyers to apply for personal insurance and property insurance to prevent loan risks. Property buyers should list banks as the primary beneficiaries when purchasing insurance.
According to Article 25 of the Measures for the Administration of Personal Housing Loans, if real estate is used as collateral, the borrower shall go through the insurance formalities at home or entrust the lender to handle it. During the mortgage period, the insurance policy shall be kept by the lender.
Article 26 During the mortgage period, the borrower shall not suspend or cancel the insurance for any reason. During the insurance period, if the borrower's fault causes damage beyond the scope of insurance liability, the borrower shall bear all the responsibilities.
Extended data:
Detailed process of buying a house with mortgage loan
1, select real estate
If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
2. Loan application
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
3. Sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
4. Sign a house mortgage contract.
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
5. Apply for mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.
When purchasing insurance, property buyers should list the bank as the highest beneficiary, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
6. Open a special repayment account
After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract.
After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time, and will be used as the personal housing loan business guaranteed by the purchaser's purchase price in stages.