The auto mortgage interest rate of Ping An Bank is floating on the basis of the benchmark interest rate of commercial loans. It should be noted that the benchmark interest rate is different from the loan interest rate actually applied by the borrower. The loan interest rate actually applied by the borrower is the data obtained by the bank after floating on the basis of the benchmark interest rate. The bank will evaluate the borrower's comprehensive qualification, and after the evaluation, it will increase by 10%-30% on the basis of the loan benchmark interest rate.
The benchmark interest rate for commercial loans is set by the People's Bank of China, in which the interest rate is 4.35% within one year, 4.75% within one to five years and 4.9% after five years.
If you want to save loan interest, then you should pay attention to the following points:
1. Before applying for car mortgage from Ping An Bank, you can go to Ping An Bank to handle some other businesses, such as time deposit and wealth management. If you can apply for a credit card from a bank in Zhang Pingan, so much the better.
2. When applying for car mortgage of Ping An Bank, the more detailed the information provided, the better. In addition, everyone must ensure that all information is true and credible, and never cheat for details.
When you provide a car, if the loan amount is fixed, the higher the value of the car, the better. In other words, the safer the bank's funds, the more loan interest you can get.
4. When handling the car mortgage of Ping An Bank, you can also purchase corresponding insurance to enhance your repayment ability.
Generally speaking, the car loan interest of Ping An Bank will not be particularly high, but it is not easy to get very favorable interest.