Can I get a loan from Prudential Hong Kong?
No.
The company behind Hong Kong Prudential Junsheng is Prudential Hong Kong Ltd., a company engaged in the insurance business.
The company does not engage in insurance business abroad. The British Prudential brand only exists in Asian countries and Africa. Prudential Insurance Group of the United Kingdom, the world's largest listed life insurance company, has been in business for more than 160 years and is one of the "too big to fail" companies. Prudential has gone through two world wars in the 20th century, the Great Depression, the collapse of the US Internet technology bubble, the 2008 global financial crisis and other major financial turbulences. No matter how the world changes, Prudential has always kept its promises.
How to apply for a CITIC Prudential policy loan
1. Prepare all the information required for the loan, including the original personal ID card (if the policy holder and the insured are not the same person, You also need to prepare the original ID card of the insured person), the original insurance policy, and other information specified by the bank and insurance company, and apply for a loan at a lending institution.
2. The staff of the loan institution will accept the application and review the information.
3. After the review is passed, the banking institution will determine the loan amount and sign a loan contract with the borrower. After the contract is signed, the policy is left to the lending institution as collateral to issue the loan.
4. The borrower repays the principal and interest as stipulated in the contract.
How long does it take to get a loan from Zhongcheng Prudential Insurance?
Generally, you can apply for a loan after paying insurance for one year. However, different insurance companies and lending institutions have different requirements for insurance loans. The requirements are different, so you can call the customer service phone number in advance for consultation.
Applying for a policy loan requires meeting the following conditions:
1. The applicant’s age meets the requirements of the lending institution.
2. The applicant is a natural person with full capacity for civil conduct and can provide a valid identity document.
3. The applicant has a fixed job and stable income, and has the ability to repay the loan on time.
4. The applicant has a good personal credit record.
5. The insurance policy provided by the applicant meets the requirements of the lending institution.
6. The applicant meets other conditions of the lending institution.
That’s it for the introduction of Prudential policy loans.