Ping An Easy Loan belongs to Ping An Bank, a subsidiary of Ping An Group, and it is also a relatively formal online lending platform. So he didn't charge any fees before lending money.
Second, how much interest does Ping An Easy Loan have for 20,000 yuan a year?
The general interest rate is 6-8% per year, but Ping An Easy Loan is a bit bad. He usually wants you to buy insurance, and the money you deduct from insurance is very expensive.
Third, is the interest rate of easy loan insurance high?
Just so-so But it's a little higher than the bank interest.
For example, Ping An Easy Loan Insurance is some loan products directly lent by Ping An Trust. Based on Ping An Insurance, direct application without mortgage guarantee has a success rate of 65%. Ping An policyholders can apply for unsecured loans from Ping An Bank after insurance, and the amount is generally around 1w- 15w. Moreover, Ping An Easy Loan Insurance has simple procedures and fast approval, and has been sought after by many borrowers once it is launched.
4. Ping An Easy Loan has not been repaid for 8 years.
Ping An Easy Loan is overdue for six years. If it is not seriously overdue, it will not go to jail. It is suggested to repay the arrears as soon as possible, which will lead to serious overdue expenses. For overdue fees, different online lending platforms have different names and different charging standards. 1. Is Ping An Easy Loan Repayment Credit Report Late? It depends on the serious overdue situation. Ping An Easy Loan generally requires that the accumulated overdue period should not exceed 30 days within three months, 60 days within six months and 90 days within one year. This is only the basis for approval. If it is within these ranges, the approval can be passed, but if you are overdue on a regular basis, the store will not sign the contract for you, even if the store signs the contract for you, even though there are not many overdue days. Some cooperative banks will not lend you money either. The loan was approved and signed by the cooperative bank Mishima Pass, so if your credit information meets the basic requirements, I suggest you try and ask the salesman to choose the cooperative bank with the lowest credit information requirements for you. Second, how to calculate the interest of Ping An Easy Loan? 1, Ping An Easy Loan, with monthly interest rate of 2.3%, annual interest rate of 27.6%, account opening fee of 2%, prepayment fee of 3%, and minimum annual interest of 30%. It is the blackest in the industry, more expensive than credit cards, and the maximum personal loan is no more than 654.38+ 10,000. It is recommended not to use the principal for easy loan. If you need money urgently, you can choose Standard Chartered Bank or Citibank. Foreign banks are much more cost-effective. 2. According to the loan cost of Ping An Easy Loan with a monthly interest rate of 2.3%, the loan is 20,000 yuan and will be repaid in 24 installments. The monthly principal payable is about 833 yuan, and the monthly interest and insurance premium payable is 460 yuan, so the total monthly repayment is about 1.293 yuan. Safe and easy to borrow, right? Because the cost paid by the lender mainly includes premium and loan interest, from the perspective of loan interest alone, it is less than 1.5 times the expected annualized interest rate of the central bank's loan benchmark, which really cannot be called. Ping An Easy Loan is a credit guarantee insurance product for ordinary residents. As long as the insurance is successful, the insured can apply for payment by the cooperative bank without mortgage, and the operation is simple.