There are also consumer finance of China Bank and Industrial Bank.
Only savings policies can apply for policy loans, such as life insurance, pension insurance and dividend insurance.
Accident insurance, health insurance, investment-linked insurance and other types of insurance do not have the saving function and cannot be used for loans.
Bank loans have the following requirements for insurance policies:
1, payment time, some banks require that the payment must be over 3 years, and the insured has not changed within one year during the payment period. Of course, the specific requirements depend on the bank.
2. Age requirement: policy insured 18-60 years old.
Extended data
Policy loan application process:
1. The applicant prepares the materials, fills in the loan application form at the bank and submits personal materials.
2. The bank conducts information and telephone audit on the applicant.
3. After approval, sign a loan contract.
4. Bank loans.
Policy loan amount and lending time:
1, the loan amount of the policy is generally about 10-30 times of the premium, and the final amount will be given with reference to the comprehensive evaluation of the applicant's personal credit, work, income and family.
Generally speaking, the applicant can receive the payment within one to three days.
Where can I get a policy loan?
Platforms that can handle policy loans are:
1. Bank outlets:
Many commercial banks can provide policy mortgage loans. As long as the borrower has proof such as insurance policy with cash value, he can submit a loan application to the staff, and after approval, he can make a loan. Similar products are: Ping An Bank's policy loan, Minsheng Bank's policy loan and so on.
2. Business outlets of insurance companies:
Many insurance companies can also provide loan services. As long as the premiums are paid continuously for more than three years, the policies have a certain cash value. Users can apply for a loan amount of 80% of the policy value at the business outlets of insurance companies. Similar products include: Pacific Policy Loan, China Life Policy Loan, Ping An Policy Loan, etc.
3. Network platform:
At present, many online platforms can also provide policy loan products. As long as you provide a policy with cash value, you can pay smoothly. Similar products are: Jiufu Policy Loan, Pleasant Loan, Point Financing Policy Loan, etc.
Which bank can make policy loans?
Policy loans can only be made in insurance companies, with the applicant's ID card, policy, and the applicant's bank account (card or discount, generally need to be national big banks, such as CCB, ICBC, Bank of Communications, etc. ), and to the insurance company for policy loans. Generally, you can lend about 70%-80% of the cash value, paying attention to the cash value, not the premium paid.
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)
Beijing Industry Association (hereinafter referred to as the Association), English name: BeijingMicroCreditAssociation, referred to as BMCA. By Beijing Liyuan Co., Ltd., Beijing Nongtou Chengxing Co., Ltd., North
Beijing Zhongguancun Co., Ltd., Beijing Hong Xing Co., Ltd., Beijing Hengyuan Co., Ltd., Beijing Agricultural Investment Gucheng Co., Ltd. and Beijing Agricultural Investment Rong Feng Co., Ltd. were established voluntarily and are non-profit social organizations approved and registered by Beijing Civil Affairs Bureau.
Purpose of the Association: to abide by the Constitution, laws, regulations and national policies, to abide by social morality and fashion, to reflect the demands of the industry, to standardize the behavior of the industry, to provide industry services, to promote the development of the industry, and to make contributions to building a harmonious socialist society.
The association accepts the business guidance, supervision and management of the Beijing Financial Work Bureau, the competent business unit, and the Beijing Civil Affairs Bureau, the organization registration management organ.
What are the platforms for 20 18 policy loans? These five are all famous!
Policy loan is a very popular loan method, because modern people's insurance awareness is gradually improving, and many people have bought insurance more or less. If they are short of money temporarily, they can get a large loan with the insurance policy as collateral. So what policy loans are there in the market? Let's take a look.
Policy loan refers to the way to obtain funds from lending institutions with the cash value of life insurance policies as the guarantee. The amount obtained by the borrower is related to the validity period of the policy, age, insured amount and insurance company. There are many insurance loan products on the market. The following are five popular ones.
1, China Ping An Life Insurance Company of China insurance company insurance.
If you apply for life insurance from Ping An Bank, you can apply for a loan from China Cooperative Bank Ping An Life Insurance Company of China Insurance Company by yourself or by entrusting others, and bring an application for change of insurance contract, identity documents and a current settlement account with the applicant as the account name. The maximum loan amount is 80% of the cash value of the policy at that time.
2. Pacific policy loans
If there is a policy of Pacific Insurance Company, you can apply for a policy loan at the counter of the local Pacific Insurance Company with your ID card, policy and bank account when the insurance supports the loan within the validity period of the contract. The longest loan period is 6 months, and interest is paid once every six months.
You and I will borrow Jiabao loan.
If you have a life insurance policy under your name, you can use this to apply for a Jiabao loan on your loan platform. Must have local household registration, live in the local area for more than half a year, and work for more than half a year. The total payment period of the policy is more than 3 years.
4. Jiufu Policy Loan
Normal payment must be over one year to apply, and the remaining payment period is over one year. The loan applicant must be the insured himself and has not changed in the past year. The application materials include the second-generation valid ID card, social security payment certificate, insurance policy and other financial certificates.
5. Bon Rong Hui
The application threshold is relatively high, and Anbang insurance must be purchased. If you meet the requirements, you can freeze the policy and the loan interest is relatively low. You can choose to repay the principal in one lump sum/installment.
To sum up, insurance can not only protect people's lives and property, but also help you get a loan at a critical time. For people with poor personal credit information, this mortgage method is easier to pass than credit loans.
China life insurance policy loan
Bank of China provides life insurance. Life insurance policy refers to your personal business of taking the unexpired life insurance policy as pledge, obtaining a certain amount of RMB loan from the bank and repaying the principal and interest of the loan on schedule.
The above contents are for your reference. Please refer to the actual business regulations.
This is the end of the introduction about which company makes policy loans and which insurance company has a high policy loan amount. I wonder if you have found the information you need?