Total interest = principal * annual interest rate * year =10000 * 5.25% * 3 =17750 yuan, and monthly repayment amount = (100000+17750) ÷ (/kloc-)
China Ping An Loan is a personal or family consumption loan business guaranteed by the company. This loan model does not need mortgage, but it still needs the insurance company's audit to repay the loan, which is equivalent to being guaranteed by Ping An Group.
According to the relevant regulations of China Banking Regulatory Commission, any loan shall not be used for investment in the stock market, futures market or any other equity investment. Ping An Easy Loan Insurance Loan can be used for any reasonable enterprise capital turnover and emergency or capital shortage, including purchasing materials.
As we all know, it is impossible to borrow money from banks without collateral, and Ping An Group's new "credit guarantee insurance" has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank left risk management to Ping An to check the customer's information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination. For customers with credit insurance, with Ping An Group as the credit guarantee, they can directly bring the credit policy to the cooperative bank to sign a "personal consumption loan" contract. After the contract is signed, the cooperative bank will lend the money to the applicant's account according to the date stipulated in the contract.
(Tip: Ping An's credit guarantee insurance premium does not need to be paid by customers in advance. After the loan comes down, the insurance premium will be deducted at one time, and the bank interest and monthly repayment amount will be deducted regularly every month. )
"Ping An Easy Loan Insurance" was piloted in Shenzhen before, also called "Xin An Easy Loan". Direct loan from Ping An Trust, 18 business outlets. In the past two months, the average loan amount was1.200 million. On average, 7,000 customers applied for loans every month, and about 4,500 customers made loans successfully, with an approval rate of 65%. Most customers recognize 65438+. As the second pilot city, Shanghai is also quite successful. In 2008, Ping An Easy Loan officially entered the mainland market and opened in Guangdong, Zhejiang, Jiangsu and other regions.