Loans without insurance policies need to be repaid in 2400 years and take effect in 2 years.

Can I borrow money from my life insurance? Pension dividends, paid once a year 1600, how much can I borrow?

Loans without insurance policies need to be repaid in 2400 years and take effect in 2 years.

3. How much pension can an individual with a basic fund of 3,230 yuan receive when he retires in 260 yuan 15 every month?

15 Calculation formula of how much money you can get by paying social security: pension = basic pension, personal account pension.

In which: basic pension = (average monthly salary of employees in the whole province last year) ÷2× payment period × 1% (note: average monthly salary of employees in the whole province last year× average payment index)

Personal account pension = personal account deposit ÷ months (50 years old 195, 55 years old 170, 60 years old 139)

As can be seen from the above formula, under the same payment period, the level of basic pension depends on the average payment index of an individual, that is, the historical average of the ratio of his actual payment base to the average social wage.

According to the regulations, the "self-contribution average wage index" of each unit is different, generally between 0.6 and 3, that is, the payment is calculated from 60% to 300% of the average wage of employees in that year, mainly considering the difference in income level. High income will lead to a high pay index, but it will not exceed 3.

Therefore, in the two kinds of calculation of pension, no matter what the situation, the higher the payment base and the longer the payment period, the higher the pension.

Pensions are fixed indefinitely. As long as the recipient is alive, he can enjoy a monthly pension. Even if the personal account pension has been used up, it will continue to be paid according to the original standard. Moreover, personal pension will increase year by year with the increase of the average monthly salary of employees in society. Therefore, the longer you live, the more you can get, which is definitely more cost-effective than paying.

Calculate according to the situation

For example, according to the above formula, suppose that when male employees retire at the age of 60, the average monthly salary of employees in the province last year was 4,000 yuan.

1, when the cumulative payment period is 15 years:

When the average individual payment base is 0.6, the basic pension = (4,000 yuan 4,000 yuan× 0.6) ÷ 2×15×1%= 480 yuan.

When the individual average payment base is 1.0, the basic pension = (4,000 yuan×1.0) ÷ 2×15×1%= 600 yuan.

When the average individual payment base is 3.0, the basic pension = (4,000 yuan 4,000 yuan× 3.0) ÷ 2×15×1%=1.200 yuan.

2. When the accumulated payment period is over 40 years:

When the average individual payment base is 0.6, the basic pension = (4,000 yuan 4,000 yuan× 0.6) ÷ 2× 40×1%=1.280 yuan.

When the individual average payment base is 1.0, the basic pension =(4000 yuan×1.0) ÷ 2× 40×1%=1600 yuan.

When the average individual contribution base is 3.0, the basic pension = (4,000 yuan× 3.0) ÷ 2× 40×1%= 3,200 yuan.

Where can I get my pension?

(1) If the pension insurance relationship is located at the domicile, it will be collected locally.

(2) If the account is not located, it will be collected in the area where the accumulated payment has reached 10.

(3) If the payment is less than 10 years, it will be transferred back to the place where the last payment was made.

(4) Those who are not in their domicile and whose accumulative payment period in many places is less than 10 years shall be collected at their domicile according to regulations.

Social insurance is a measure formulated by the state to protect people's livelihood. Many people think that it is not cost-effective to deduct a part of their salary to pay insurance every month, but it is not. Needless to say, the monthly payment is not much, and the pension payment standard is increasing year by year. For ordinary people, it is also a "no-loss business."

Can I borrow money from my life insurance? Pension dividends, paid once a year 1600, how much can I borrow?

You can apply for a loan only if you meet the requirements, and it will take two years to pay it back. Usually, the policy loan is about 40% of the annual repayment amount.