1. The calculation method of the loan interest of 200,000 yuan from Ping An Bank is: interest = 200,000 × loan time × loan interest rate. The loan interest rate of Ping An Bank generally fluctuates on the benchmark interest rate of central bank loans. The benchmark interest rate is: commercial loans, and the loan interest rate is 4.35% within one year; The loan interest rate within one year to five years is 4.75%; The interest rate for loans with a term of more than five years is 4.90%. Provident fund loans, the loan interest rate is 2.75% within one to five years; The interest rate for loans over five years is 3.25%.
Ping An Bank has always advocated easy loans. The types of personal loans are basically consumer loans, and the personal loan targets are mainly working-class and private owners. The amount is mainly limited to small loans. Credit loans of Ping An Bank are mainly represented by Xinyi Loan, and its mortgage loans include personal housing loans, real estate mortgage consumption, special mortgage products and auto loans. Ping An Bank's new unsecured personal loan business is aimed at working-class and private owners, and can be used for business or personal consumption (including car purchase, decoration and large consumption), with a maximum loan of 500,000 yuan.
1. Ping An Bank, full name Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., headquartered in Shenzhen, with a registered capital of 565,438+23.35 million yuan and total assets of nearly 1.37 trillion yuan. It has 34 branches in China and a representative office in Hong Kong.
2. The loan process of Ping An Bank is as follows: 1. Apply for a loan: customers prepare their basic information and financial statements and other related materials to apply for a loan from Ping An Bank; Then sign a loan contract: if the customer's loan application has passed the audit of Ping An Bank, the customer needs to sign a loan contract and other relevant legal documents with the bank; Implement the guarantee procedures: if the customer's guarantee application involves guarantee, the customer needs to go through the guarantee procedures such as mortgage registration and fair procedures when necessary; Finally, issue the loan: Ping An Bank will issue the loan to the customer's bank card after the formalities are completed.