What are the terms of Ping An policy loan? It is reported that Ping An Bank's policy loan requires the loan customer to meet the following conditions:
1. The policy premium is paid once a year.
2. The policy has been paid 1 year;
3. The policy payment period is more than 3 years;
4. The monthly average payment of the policy is above 200 yuan;
5. The types of insurance policies include life insurance and dividend insurance. , with cash value;
6. Other conditions stipulated by Ping An Bank.
In addition, the borrower applying for Ping An Bank's policy loan must be the insured himself, aged not less than 22 years old and not more than 55 years old, with the ability to repay the loan principal and interest.
(1) Ping An Bank policy loan product information.
Loan amount: 300,000-500,000 yuan.
Loan term: 12-36 months.
Repayment method: installment repayment.
Lending time: 3 working days (2 working days for approval).
(B) Advantages of China Ping An Policy Loan:
1. Ping An insurance policy loan procedures are very simple. As long as the applicant holds a valid policy and the original ID card, it can be handled without any collateral or evaluation.
2. The loan time is very fast: the average user can receive the loan within 7 to 10 working days. Policy loans don't need to wait more than a month like banks.
3. Lower loan interest: 20 10 China Ping An policy loan has an annual interest rate of 4.25%, which is lower than the bank loan interest rate in the same period.
4. Only the interest is paid, and the loan can continue to be used: for Ping An policy loan, the customer only needs to pay the interest once every six months, and the loan amount can continue to be used.
5. The loan period does not affect the income of the policy: during the loan period, the guarantee function, return function and dividend of the policy are not affected.
Two. Ping An Insurance Policy Value Loan. I bought a safe insurance and paid five yuan a year. ...
You can borrow 10 times the annual premium.
3. How does Ping An Insurance change monthly payment to annual payment?
If the insurance you buy in Ping An Insurance is monthly payment, you need to change it to annual payment. You can do this by following these steps:
1. Log in to Ping An Insurance official website or APP and enter the "My Insurance" column;
2. Find the insurance product that needs to change the payment method, and click Enter;
3. Find the option of "Payment Method" on the insurance details page and select "Annual Payment";
4. Follow the prompts to complete the payment, and pay attention to see if there are any preferential activities to participate in.
If you need an invoice, please contact customer service.
It should be noted that before changing the payment method, it is recommended to know all the fees and preferential information to ensure that the change method will not cause unnecessary waste.