All right! As long as you have bought insurance in Ping An, you can handle it, but not Ping An Bank, but Ping An Credit Department! Now many companies can handle loans and credits. Where are you? I can introduce you to one!

2. I have a policy. Can I get a loan from Ping An Bank in Guiyang?

You can use a policy loan!

Application conditions:

1, the policy is valid for 6 months.

2. Insurance with monthly premium above 200 yuan.

Application materials:

1, ID card

3. Proof of address

4. Insurance policy (three copies can be superimposed)

I have a policy. Can I get a loan from Ping An Bank in Guiyang?

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I have an insurance policy in Ping 'an, which says I can borrow 200,000 yuan. How to calculate the interest?

There are two kinds of policy loans that are often said:

1. Insurance has its own function. The contract itself stipulates that the loan ratio is generally 80% of the cash value of the policy, and the loan interest rate is slightly higher than the bank's loan interest rate at that time. During the period, the policy guarantee, cash flow and dividend distribution functions are not affected, which is a good way to realize cash, but the cash value in the early stage of the policy is very small and the liquidity is weak.

2, the essence is a credit loan, the policy is only equivalent to a proof of solvency, and there are many other ways to prove repayment ability, such as car loan and mortgage accumulation fund. Because credit loans are generally repaid with equal principal and interest, the actual interest rate far exceeds the monthly interest rate advertised in sales by 6%, and the annualized interest rate generally reaches 20% or even higher.

Many insurance salesmen over-package the insurance credit loan function in order to promote sales. Choose whether to use credit loans according to your own needs, but don't put the cart before the horse. In order to use credit loans that you don't need, you buy a bad insurance. Insurance is more important!