1. The loan repayment amount needs to be calculated according to the loan principal, loan interest rate, loan term and repayment method, and the loan interest rate of different customers is different. The loan interest rate will be evaluated according to your comprehensive qualifications and cannot be directly calculated according to the information you provide. If it is a loan from Ping An Bank, you can check your loan details, repayment plan and other information through Ping An Bank Pocket Bank APP- Home-Loan.

2. General bank interest.

The latest benchmark interest rates for bank loans are 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year), and 4.75% for 3 -5 years (including 5 years). On this basis, there will be appropriate downward floating or upward floating.

3. Loan interest rate.

The loan interest rate is based on the benchmark loan interest rate published by the People's Bank of China, and fluctuates on the basis of the benchmark interest rate. The bank interest rate is the execution interest rate. The execution interest rate of each bank is different for different loan types and loan periods. Executive interest rate = benchmark interest rate ×( 1+ interest rate floating value). The floating range is between 0.5 and 2 percentage points.

4. Personal loan conditions.

When applying for a personal loan, the bank will review your personal qualifications and the authenticity of all the information. Specific conditions: the borrower's ID card, which is necessary. Good credit record. Personal qualification and financial proof, for example, if this person has a full vehicle under his name, he can make a vehicle mortgage loan or credit loan to the bank; If the borrower has all the real estate under his name, he can apply for a mortgage loan; In addition, there are many types of loans. The purpose of the loan is because the CIRC stipulates that all loan funds cannot be used for stock trading, wealth management, house purchase, etc. So the bank must have a formal purpose to lend you money. It is also the most important point, that is, good repayment willingness and repayment ability. As far as bank loans are concerned, all directions of bank investigation will eventually point to customers' repayment ability and willingness. If the customer has no willingness or ability to repay, the bank will not lend you money.