8.2%。
Ping An's "New First Loan" 1 year loan interest rate is 8.2%, and the 2-3 year loan interest rate is 8.32%. The account management fee is linked to the loan amount, with a monthly fee of 0.69% for 30,000-50,000 yuan and 0.59% for more than 50,000 yuan.
Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks.
How much is the interest on the loan with Ping An Fu life insurance policy?
There are two types of seat belts:
The first type: policy cash loan. For example, if the cash value of your policy is 65,438+0,000 yuan, you can lend it to 800 yuan with an annual interest rate of 5%. What Ping An Fu You bought is guaranteed insurance, and the cash value is very low, so the loan amount can't solve the problem.
The second type: single policy, the loan amount is 20-30 times of the annual premium, which is very high, but this interest is as high as the interest of inclusive loans in the market, and it is still the same principal and interest (the monthly repayment amount is the same).
What is the interest rate of Ping An policy loan?
Ping An Bank's policy loan has an annual interest rate of 4.25%, and the specific interest is related to the loan amount and loan term. If it is a policy loan, you can get 80% of the cash value and the interest rate is 5.6%. If it is a safe and easy loan, the interest rate is very high, with a monthly interest rate of 2.3% and an annual interest rate close to 30%. Data development interest is the use fee of money in a certain period of time, which refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit. 1. Money other than the principal of deposit and loan (different from "principal"). 2. The abstract interest point refers to the appreciation when monetary funds are injected and returned to the real economy. Generally speaking, interest is the reward paid by the borrower (debtor) to the lender (creditor) for using the borrowed money or capital. Also known as daughter gold, mother gold (main) symmetry. The calculation formula of interest is: interest = principal × interest rate × deposit period (i.e. time). Interest is the reward for the owner of the fund to lend the fund, which comes from a part of the profits formed by the producer using the fund to perform business functions. Refers to the value-added amount brought by the injection and return of monetary funds to the real economy. The calculation formula is: interest = principal × interest rate × deposit period × 100%. 3. According to the nature of banking business, bank interest can be divided into bank interest receivable and bank interest payable. Interest receivable refers to the remuneration obtained by the bank from the borrower by issuing funds to the borrower; It is the price that the borrower must pay when using the funds; It is also part of the bank's profits. Interest payable refers to the remuneration paid to depositors by banks to absorb deposits; It is the price that banks must pay to absorb deposits, and it is also part of the cost of banks. Interest rate is the basis of calculating interest amount and an important lever to adjust economic development. For money lenders, it means income, and for money users, it means cost.
How much is the interest on Ping An Insurance loan?
Ping An Insurance uses policy loans with an annual interest rate of 4.25%. Advantages of policy loan: The policy loan procedure of Ping An Insurance is very simple. As long as the applicant holds a valid policy and the original ID card, it can be handled without any collateral or evaluation. Lending time is very fast: the average user can receive the loan within 7 to 10 working days. Policy loans don't need to wait more than a month like banks. The loan interest is lower: the annual interest rate of China Ping An policy loan is 4.25%, which is lower than the bank loan interest rate in the same period. Only interest is paid, and the loan can continue to be used: for Ping An policy loan, the customer only needs to pay interest once every six months, and the loan amount can continue to be used. During the loan period, the income of the policy will not be affected: during the loan period, the guarantee function, return function and dividend distribution of the policy will not be affected.
How to calculate the interest of Ping An Fu policy loan of 65438+ 10,000?
Interest can be calculated with reference to the bank interest rate, which is 4.7% for one year and 4.9% for more than one year. Above this interest rate is informal online lending.
This concludes the introduction of Ping An Fu loan interest rate and Ping An Fu Ke loan quota. Did you find the information you needed?