Generally, you can borrow money if you meet the policy conditions. The process of policy loan is as follows:

1. Prepare all the materials required for the loan, including the original personal identity card (if the applicant and the insured are not the same person, the original identity card of the insured should also be prepared), the original insurance policy and the information specified by the bank and insurance company, and apply for a loan at the lending institution;

2. The staff of the lending institution accepts the application and reviews the materials;

3. After approval, the banking institution determines the loan amount and signs a loan contract with the borrower.

After the contract is signed, the insurance policy will be left to the lending institution as collateral to issue loans; 4. The borrower shall repay the loan principal and interest as stipulated in the contract.

2. How to handle WeChat loan What is the interest rate of WeChat loan?

1, the interest starting point of savings deposit is RMB, and the interest amount is calculated to one decimal place, and it is rounded to one decimal place when actually paid. 3. In addition to the annual settlement of current savings, interest can be converted into principal. No matter how long the deposit period is, the interest is the same as the principal when withdrawing.

3. How to handle the WeChat loan?

First of all, opening a WeChat loan requires some hard conditions:

(1) Micro signal is a common number, which needs to be used for more than 3 months.

(2) WeChat loans need to be bound with bank cards.

So how do you apply for a WeChat loan? Attach to the operation flow.

I. Microfinance:

The white list invitation system is still adopted, and you can apply for WeChat-My Wallet-Micro-loan with a maximum amount of 300,000. (If you can't see the entrance of "micro-loan", you can't apply ~)

Second, others.

Take "lightning loan" as an example, click Address Book->; Service number, enter "lightning loan" attention. After paying attention, the official WeChat account will send a message, click Enter and fill in the verification invitation code. After certification, enter your name and ID number to complete the certification, and you can get a loan.

(1)3000-5000 (mobile phone loan)

(2) 1 thousand-1 thousand (lightning loan)

(3) Less than1thousand (cash bus)

(4)50 yuan-65,438+10,000 yuan (Dangdang loan), etc. ...

In fact, applying for a loan on WeChat is the same as applying in other channels, but the platform is different. Although compared with bank loans, the review of WeChat loans is not so strict, and the lending speed is relatively fast. However, there are certain requirements for the qualifications of borrowers. Therefore, when applying for a loan, we must ensure the integrity and accuracy of the information.

Fourth, how to apply for a mobile phone WeChat loan

Microfinance application process:

1, do mobile Alipay and log in and click more;

2. See the micro-loan and click Enter;

3. Download will appear when you click for the first time. In a short while, you will complete the small program that small micro loans should be embedded in Alipay;

4. See that there are projects under the loan that meet the account loan;

5. Enter the application amount and information verification code, and finally click Submit Application.