1. Personal credit status
When applying for a loan, most lending institutions will require the applicant to provide a credit report, but the seemingly simple credit report can directly affect the applicant's loan interest and pass rate. Therefore, in daily life, we must pay attention to the credit problem of personal loans.
2. The financial status of the borrower
Usually, in order to reduce risks, lending institutions will evaluate the financial situation of borrowers before lending. If the borrower's financial situation is poor and his repayment ability is weak, the lending institution may raise the loan interest rate on the grounds of risk, or even refuse to issue loans. However, if the borrower has a good financial situation and strong repayment ability, the loan interest rate will be lower.
3. Loan type
At present, there are many lending institutions in the market, and the products of each lending institution are different. Therefore, the interest rates of loan products provided by different lending institutions are different. Borrowers should choose their own loan products according to their own situation and product characteristics.
Ping An Good Loan, as a loan brand under Ping An Financial Services, relies on the financial technology support of Ping An Financial Services, deeply cultivates digital financial scenario services, refines business methods, constantly adapts to new digital financial usage scenarios, and builds a caring financial service system for customers. Through the one-stop service function, we can improve people's loan experience from the source and help more people understand the power of credit products to help their lives. In addition, Ping An Good Loan has performed quite well in personal information security, helping consumers enjoy a safe and secure loan experience.
In the future, Ping An Good Loan will continue to strive to provide consumers with diversified credit loan products, provide customers with intimate and convenient loan services, reduce costs and increase efficiency, enhance customer service experience, and strive to promote the innovative development of the financial industry. If the rights and interests such as handling fees are infringed when using the loan service of Ping An Good Loan, you can call1010188 to reflect the problem and reasonably safeguard your consumption rights and interests.
Related Questions and Answers: Related Questions and Answers: How about the monthly interest rate of Ping An Bank loan +0. 1% and the annual interest rate 13.2%? Is it tall? If the annual interest rate on the platform of the bank is 13.2, it is indeed a relatively high level. Although it is much cheaper than small loans and online loans on the market, 13.2 is still relatively high in the case of bank loans and even credit loans. The following is a comparative analysis from several dimensions.
I. Types of loans and repayment and interest payment methods
Simply put, loans can be divided into three types: mortgage loans, credit loans and secured loans. The general interest rate order: credit loan ≥ secured loan ≥ mortgage loan. Common loans are mainly credit loans and mortgage loans. The interest rate of mortgage loan is lower than that of credit loan. Because of collateral, the possibility of loan default is relatively small. According to the subject, credit loans are more likely. Evaluating the interest rate of a product can't just look at the literal interest rate. Another important factor is the repayment method. Common methods include equal monthly principal and interest, first month interest plus monthly principal, and one-time repayment of principal and interest at maturity. Different repayment methods will actually lead to different interest rates. For the borrower, the most favorable way is to repay the principal and interest in one lump sum when due. If the principal and interest are repaid every month, the commission rate actually paid is much higher than 13.2%.
Second, the horizontal comparison of loan interest rates.
There must be a reference for the interest rate. No comparison, no harm. If we take mortgage as an example, the current benchmark interest rate is 4.9%, even if it rises by 20%, it is 5.88, which is far from 13.2%. If so, it is obviously unfair, because a mortgage is a mortgage. Then let's change it to the same type of credit loan. The interest rate of ant flower bud is 8.8%, and that of JD.COM White Bud is 1 1%. Obviously, this is far below 13.2%.
If you put it in the bank, it will have no advantage. Take a quick credit loan from CCB as an example, the annual interest rate is only 5.6%. If you take the credit card bill installment mode, the cost is between 3% and 7%, and the repayment method can be flexible. Although the bank has been sprayed by many people, I have to admit that it is kind to borrow money from the bank. Not only is the interest rate relatively low, but there will be no extra expenses.
To sum up, Ping An Bank's loan has never won the interest rate, but Ping An's reputation and popularity in the loan market are indeed relatively high. Its advantage is that the loan scope is relatively large, which many banks can't do, but Ping An can. Lending speed is fast, and credit loans can't wait for two hours to lend you money. Even mortgage loans are much faster than other banks. So remember, since you have chosen Ping An, there is no need to entangle interest rates. What matters is whether you need the money urgently or whether other banks can't get the money at all.