How Do I Get the Best Personal Loan Rates?

Personal credit loans are a type of loan product favored by borrowers. They do not need to provide corresponding mortgage guarantees, and can obtain loans based on personal credit records only.

Personal credit loan interest rate

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Personal credit loans are a type of loan product favored by borrowers. They do not need to provide corresponding mortgage guarantees, and can obtain loans based on personal credit records only.

Personal credit loans are a type of loan product favored by borrowers. They do not need to provide corresponding mortgage guarantees, and can obtain loans based on personal credit records only. However, due to the differences in personal credit records, there is a certain difference in the final loan amount and interest rate obtained by different borrowers. So what is the current personal credit loan interest rate? Many friends are not clear. In fact, the amount of personal credit loan interest rate can be completely controlled by yourself.

It is understood that the current personal credit loan interest rate is generally around 2% per month. Of course, the specific interest rate depends on the relevant policies of the loan bank. For example, the monthly interest rate of Standard Chartered Bank's unsecured personal loan is 1.75% -2.05%, while the interest rate of Citi's Happiness Unsecured Credit Loan is 8.8% per annum. In addition, according to the qualifications of the borrower, there will be a certain fluctuation in the interest rate of personal credit loans. For example, Standard Chartered Bank can enjoy a minimum monthly interest rate of 1.35%. And Citibank's corresponding loan interest rate fluctuates more and more, generally around 15%.

Here we introduce the unique service features of Ping An Bank's personal credit loan. Recently, Ping An Bank will launch a "Ping An Easy Loan" for personal credit loans based on the "insurance + bank" model. According to the requirements of Ping An Bank, individual customers can obtain unsecured loans from Ping An Bank after applying Ping An Property Insurance for credit guarantee insurance. The maximum loan amount is 150,000 yuan. The loan terms are 6 months, 10 months, and 18 months. And 24 months. And it's arrived in a day. The scale of premiums charged by Ping An on credit guarantee insurance depends on the loan amount, loan term, and personal credit. The premium collection rate is basically between 10% and 20% of the loan amount, and the loan interest rate is consistent with the benchmark interest rate. Because customers do not need to provide collateral, the risk of credit loans is greater than other mortgage loans. Therefore, Ping An Bank adopts a guaranteed insurance model to develop its business. Once bad debts occur, the bank s losses will be entirely covered by the insurance company. Pay ". In addition, the borrower can also use Ping An Yizhangtong to implement loan procedures online, and can also check the balance of their different bank accounts at any time and any place for different banking operations.