Policy loan to the insured, first of all, depends on the policy amount and insurance period to evaluate your loan amount, but also depends on your credit, income and liabilities.
Policy loans are generally repaid in 36 installments. If they can be repaid in a short time, it will be fine, because each installment includes three parts. One is the installment of the loan amount, the other is the interest of the loan, and the third is the insurance premium for each installment of Ping An. This premium is calculated according to your quota, and it is the same in each period. In addition, loans are generally repaid with equal principal and interest, and the initial repayment is more interest and less principal; For example, if you borrow 654.38 million yuan and repay it in 36 installments, then your total repayment amount is 654.38 million yuan of premium plus 36 installments of interest. General total interest is between 15% and 20%. If you repay in advance, it will take several months, and the premium will also take several months.
Second, does the policy loan of Ping An Insurance have an impact on the policy?
It didn't work. There is no interest on paying off the loan within half a year, and interest on repaying the loan after half a year.
Third, the advantages and disadvantages analysis of Ping An's policy loan, thank you?
Policy loans should be borrowed by the insured himself. First of all, you should evaluate your loan amount by looking at the policy amount and insurance period. At the same time, you should also pay attention to the situation.
Policy loans are generally repaid in 36 installments. If they can be repaid in a short time, they include three parts. It's the interest on the loan. Third, the peace fee is calculated according to your quota, and all of them are repaid with equal principal and interest. At first, the repayment is more interest and less principal. For example, you borrowed 654.38 million yuan and paid it back in 36 installments. The interest of 36 installments is between 15% and 20%. If you repay in advance, it will take several months, and the premium will also take several months.
Fourth, the advantages and disadvantages analysis of Ping An's policy loan, thank you!
Hello, I don't know what kind of loan you want to apply for I only know that Ping An loan will have additional conditions, and I won't tell you to buy wealth management or insurance before you sign the contract. At present, banks rarely lend to individuals, and all loans must go through intermediaries. I suggest asking more questions.