I took out a loan of 6000 in Ping An Puhui, is the interest high?

Loan interest rate(1) The loan interest rate is related to the purpose of the loan, the nature of the loan, the term of the loan, the loan policy, and the different lending banks. The state sets the benchmark interest rate, and each bank determines the differential lending interest rate according to various factors, that is, it rises or falls on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 2011, and the types and annual interest rates are as follows:

Short-term loan for 6 months (inclusive); 6 months to 1 year inclusive; 1 to 3 years inclusive; 3 to 5 years inclusive; More than five years. (2) Housing loan as an example: the bank loan interest rate is based on the credit situation of the loan and other comprehensive evaluation, according to the credit situation, collateral, national policy (whether the first home) to determine the loan interest rate level, if all aspects of the evaluation is good, the mortgage interest rate implemented by different banks is different, in 2011 due to the shortage of funds and other reasons, the first home loan interest rate of some banks to implement the benchmark interest rate times or times.

Since February 2012, most banks have adjusted their interest rates for first homes to their benchmark rates. In early April, large state-owned banks began to implement preferential interest rates for first home loans. The maximum discount of interest rate of some banks can be up to 85%.

The interest rate after 85% discount for more than five years is .

The system will determine the specific loan interest rate based on the borrower's overall credit status, repayment ability and loan usage.

Extended Information] Ping An Puhui is the general name of the companies under the **** associate company of Ping An Insurance (Group) Co., Ltd. of China that carry out financing guarantee, financing consulting, small loan and other businesses. Assist small and micro business owners, individual industrial and commercial households, and ordinary wage earners to obtain professional loan services to help the development of China's real economy.

After years of rapid development, Ping An Puhui has grown into a professional model in the industry in terms of comprehensive strength and corporate governance: it has an excellent international management team and rich experience in credit business management; Through innovative credit technologies such as face recognition, micro-expressions, artificial intelligence technology, and anti-fraud scanning, we have continuously improved our risk management and control capabilities, and our stable and leading risk management capabilities have also continuously optimized asset risk performance. Diversified borrowing solutions provide customized services for borrowers and high-quality borrowing options for the general public; At the same time, the online application process and offline consulting services continue to improve the service experience. At present, Ping An Puhui's business covers more than 300 cities across the country, with a remote team of more than 7,000 online people providing professional consulting services 24 hours a day, strong external business cooperation capabilities, and building a borrowing ecosystem, which has served more than 11 million customers and helped them obtain loans of more than 100 billion yuan.

Ping An Puhui will continue to uphold the four driving forces of customer inclusion, product inclusion, channel inclusion, and social inclusion, and practice inclusive finance with the brand concept of "responsible finance and inclusive lending".

In the future, Ping An Pratt & Whitney will continue to strengthen the promotion of inclusive finance in the context of the Ping An era, and is committed to helping small and micro business owners, individual industrial and commercial households, and ordinary wage earners to obtain better loan services, so as to build the world's most trusted and preferred inclusive financial brand for customers.

Relying on financial technology, Ping An Puhui has gradually built an open aggregation technology loan service platform, with the help of the ability of resource mining, aggregation and matching, aggregating participants with modular advantages in the credit business chain, connecting borrowers, credit enhancers and funders, and exporting basic credit assessment services to credit enhancers and funders with the help of its own online and offline service network and an intelligent risk management system verified by more than 10 years of business experience, and integrating the financial resources of credit enhancers and funders. Provide borrowers with diversified borrowing service solutions. Ping An Puhui combines technology and offline financial service system through the aggregation model platform to promote the flow of financial resources to small and micro business owners, individual industrial and commercial households, ordinary wage earners and other inclusive financial groups. Through business model innovation, we will find a new way of exploration that not only meets the current development status of the industry, but also meets the needs of small and micro people.

Ping An Pratt & Whitney's interest is so high that it does not have to repay more than four times the interest rate of the one-year loan market at the time of the conclusion of the contract.

Article 680 of the Civil Code prohibits usurious lending, and the interest rate of the loan shall not violate the relevant provisions of the State.

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 25 Where the lender requests the borrower to pay interest in accordance with the interest rate agreed in the contract, the people's court shall support it, except where the interest rate agreed upon by Shuangchun is more than four times the interest rate of the one-year loan market at the time of the conclusion of the contract.

The "one-year loan market ** interest rate" mentioned in the preceding paragraph refers to the one-year loan market ** interest rate authorized by the People's Bank of China to be released monthly by the National Interbank Lending Center from August 20, 2019.

Summary. Hello dear! We are glad to answer the question of Ping An Inclusive Loan Interest To.

The general monthly interest rate of Ping An Inclusive Finance Loan is that the bank sets a specific interest rate for the loan according to the borrower's personal credit and financial status, as well as the purpose of the loan. Among them, the daily interest rate of Ping An Puhui i loan is. The annual interest rate of the six installments of the home e-loan is the annual interest rate, and the annual interest rate of the twelve installments is.

How much is the interest of Ping An Pratt & Whitney Loan

Hello dear! We are glad to answer the question of Ping An Inclusive Loan Interest To. The general monthly interest rate of Ping An Inclusive Finance Loan is that the bank sets a specific interest rate for the loan according to the borrower's personal credit and financial status, as well as the purpose of the loan.

Among them, the daily interest rate of Ping An Puhui i loan is. The annual interest rate of the six installments of the home e-loan is the annual interest rate, and the annual interest rate of the twelve installments is. <>

Dear relatives, Ping An Puhui's loan interest is calculated on a daily basis, and interest and guarantee fees are charged according to the loan balance, and the daily rate is as follows. If the installment plan of Ping An Puhui Loan is different, the interest is also different, in addition to the handling fee of 3% for all one-time payment of H, there is also an annual interest rate and a monthly guarantee fee, the longer the installment time, the higher the annualized interest rate. Ping An Puhui is a loan company mainly engaged in small loans and other businesses, and is committed to providing customers with a new and rapid loan experience.

Ping An Pratt & Whitney Loan Interest is regular. To determine whether an online loan platform is legitimate, as long as the qualifications of the liberation money, the loan interest, and the collection method are sufficient.

1. Lending qualification: Ping An Puhui Lending Qualification has obtained two small loan licenses, namely Chongqing Jinan Network Small Loan License and Hunan Ping An Puhui Small Loan **** Small Loan License. Therefore, there is no problem with Ping An Puhui in terms of lending qualifications.

2. Loan interest: First of all, according to the laws of our country, an annualized loan rate of more than 36 is usury, which is illegal. Judging from the current situation of Ping An Inclusive Lending, most of the annualized loan interest rates are within 20, which does not touch the red line of usury.

Secondly, you may want to distinguish between Ping An Bank and Ping An Pratt & Whitney. The loan interest of Ping An Bank is relatively low, basically the annual interest is about 6%, and it is still more suitable for ordinary consumption and business use. The disadvantage of Ping An Inclusive Loan is that the interest rate is very high, basically above 15%.

However, Ping An Inclusive Loan also has its advantages: first, it can be handled door-to-door and the service is considerate; Second, the payment speed is fast, basically the loan can be received in half an hour; Third, the approval is much more relaxed than that of banks, and many customers with poor qualifications can also approve funds. Therefore, it is necessary to choose carefully when choosing a loan from Ping An Puhui.

3. Collection methods: In terms of collection, formal financial institutions continue to collect loans, and there are basically no violent collection methods such as address books, threats, intimidation, and large-character writing. Under normal circumstances, Ping An Puhui loans are in accordance with the regulations, such as calling, texting, and door-to-door collection; For borrowers who are seriously in arrears, Ping An Puhui Loan may go through legal channels.

From the perspective of loan eligibility, loan interest and collection method, Ping An Puhui loan is legal.

5. The Ping An inclusive loan process is generally divided into five steps:

1) The borrower submits the loan application materials to Ping An Puhui.

2) The salesman will conduct a preliminary review according to the application materials submitted by the borrower.

3) Ping An Puhui passed the preliminary examination and credit investigation.

4) Loan applications that meet the loan conditions will be approved.

If the approval is passed, the borrower shall be notified to go through the relevant formalities such as contract signing, lending, mortgage or pledge; If the approval is not passed, an explanation must be made to the borrower. After approval, the loan contract takes effect, and the loan is finally disbursed. After this series of processes, the funds were quickly loaned and the project was carried out as scheduled.

Legal Analysis: Not Legal.

Legal basis: Law of the People's Republic of China on the Administration of Tax Collection

Article 28 The taxation authorities shall levy taxes in accordance with the provisions of laws and administrative regulations, and shall not levy, suspend, overcollect, underleviate, collect in advance, postpone collection or apportionment of taxes in violation of the provisions of laws and administrative regulations. The amount of agricultural tax payable shall be determined in accordance with the provisions of laws and administrative regulations.

Article 29 No unit or individual shall carry out tax collection activities except for the tax authorities, tax personnel and units and personnel entrusted by the tax authorities in accordance with laws and administrative regulations.

Article 30 Withholding agents shall perform the obligation of withholding and collecting taxes in accordance with the provisions of laws and administrative regulations. The tax authorities shall not require entities and individuals that are not required by laws and administrative regulations to perform their obligations of withholding or collecting taxes. When the withholding agent fulfills the obligation of withholding or collecting tax in accordance with the law, the taxpayer shall not refuse.

If the taxpayer refuses, the withholding agent shall report to the tax authorities in a timely manner. The tax authorities shall pay the withholding agent the handling fee for withholding and collection in accordance with the regulations.