Really, but you can only borrow from Ping An, and you can only borrow 80% of the cash value of the policy. If the cash value statement has details in the insurance policy, you can look at it yourself first.

Second, can other companies apply for insurance policies to get Ping An loans?

Insurance policies of other companies can go to Ping An Loan. Because Ping An provides policy loan products, such as "life insurance loans", it supports the life insurance policies of all insurance companies, as long as the life insurance policies are valid for more than 6 months (inclusive).

However, we also need to note that this is different from the general policy loan, because it is the loan company that applies for the loan, not the insurance company. Like the general policy loan, you still have to apply for a loan from the insured insurance company.

To apply for a Ping An life insurance loan, in addition to the above requirements, the applicant must be the insured; And the age is between 23 and 55 years old; The monthly income after tax should also be above 3 thousand yuan (inclusive); You must also live or work in the place of application for more than 6 months (inclusive).

To apply for a policy loan, in addition to applying at the insured insurance company, the policy must also have cash value; And must be insured for at least two years; Policy loans must be applied by the insured or the insured.

3. Can I get a loan with Ping An policy?

Yes, because Ping An Bank can accept loans from Ping An insurance policies!

Policy loan application conditions:

1. This policy has been in effect for more than six months.

2. Insurance with monthly premium above 200 yuan.

Application materials:

1, ID card

2. Work certificate

3. Proof of address

4. Insurance policy (three copies can be superimposed)

I bought insurance in Ping 'an. If I use a policy loan, what is the interest?

The policy loan interest rate is different from the bank commercial loan interest rate. The most common one is that "the interest rate of two-year resident time savings deposits announced by the People's Bank of China on the first business day of each month is higher than 2.5%", and the interest rate is determined at 2.0%. The above calculation method was implemented by Taiping Life Insurance. Relevant persons' calculation and demonstration showed that the interest rate of two-year resident time deposit issued by the People's Bank of China was 3.96% on September 1 day, 2007, and the corresponding annual interest rate of policy loans was 5.96%. Since the maximum term of each loan is 6 months, the policy loan

Insurance policy loan

Interest will be calculated every six months. If the repayment is less than 6 months, it shall be calculated by day. The loan interest rates of different types of insurance are also different. For example, for some dividend insurance in Ping An, the policy loan interest rate is 5.22%.