Don't be cheated. Policy loans look beautiful. Not all insurance policies can be used for loans. According to experts from Taiping Life Insurance, generally only life insurance, dividend insurance, old-age insurance, annuity insurance and other insurance policies with savings nature can apply for loans from insurance companies, and the regulations on loan interest rates vary from insurance company to insurance company. The following types of policies cannot be processed:

1. Short-term accident insurance and health insurance cannot be loaned because they have no or very low cash value;

2. Medical expenses insurance, property insurance without mortgage conditions, and children's insurance with premium exemption function cannot apply for loans;

3. Investment-linked insurance with a premium of more than 6,543,800 yuan can quickly accumulate considerable cash value, but its value cannot be determined because it fluctuates with the price of the investment unit. So be careful.

Second, how about a credit union loan of 300,000?

Nice loan.

Not only the credit union, but also any bank will not refuse a lender. Banks have strict pre-lending inspection fees to check whether lenders can borrow money and how much money they can borrow. As long as your loan subject meets the requirements, has a good reputation, normal operation, good industry prospects, has the ability to repay the principal and interest when due, and can provide corresponding collateral, guarantee and other guarantee methods, you can apply for a loan. Now banks are also open and transparent. You just need to provide the information truthfully and apply directly to the bank. Don't beat around the bush.

3. What are the conditions for ICBC to lend 300,000 yuan?

1. The lender must be at least 18 years old and have full capacity for civil conduct;

2. The lender has good income, such as a stable job and a high-quality bank running account;

3. The lender must have the ability to repay on time. If there are assets such as houses and cars under his name, the pass rate is higher;

4. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.

4. What are the conditions for a bank loan of 300,000 yuan?

1. The bank loan is 300,000 yuan, which needs to be suitable for age, income, personal credit and other conditions.

2. In terms of age, generally 25-40 years old, it is recognized as a group that is more popular with lending institutions. If you are young, you may still be studying, just graduated and have unstable financial resources; If you want to apply for a loan when you are old, you probably have no financial resources, and the chances of getting sick are high and the risks are relatively high.

3. Job requirements are guaranteed, fixed and income is stable. If it is a high-risk occupation, such as aerial work, dangerous chemicals, fireworks and firecrackers, etc. The impression given to the bank is that the risk is too high, so the probability of rejection is high. Unemployed people, only one ID card meets one of the loan information, and the rejection probability is 100%. Usually providing a six-month punch card salary to prove that you have a stable income will not only help you to get a successful loan, but also increase the loan amount. There is no job, no business, and there is little chance of borrowing money. At least it is unlikely to get a large credit loan. If you have a valuable house, car, etc. And submit it to the bank, you can greatly increase the loan amount.

4. In terms of personal credit, this is a data age. There is no theory that you have borrowed money or broken your promise before. As long as there is a record in the credit report, it is very difficult for you to apply for a loan, especially for black borrowers.

Advantages of bank loans:

1. At present, there are many preferential policies for bank loans, especially for SMEs. At present, many banks still follow the call of the corresponding countries.

2. The speed of bank loans is accelerating. As long as you submit the loan information according to the requirements of the bank, you can get the bank loan quickly. The interest rate cost is low. Compared with private lending institutions and companies, the bank interest rate is definitely much lower, which can reduce the repayment cost for borrowers.

3. Low cost can generally be said to be a channel with the lowest loan cost on the market at present. The interest rate of general loans depends on the situation. Generally, loans with high credit have low interest rates, and those with low credit will have high interest rates.

4. The source of funds is stable. For banks, we should know that their strength is very advantageous and their funds are sufficient. For small and medium-sized enterprises, as long as they apply for loans, they will sign contracts and issue loans immediately.