The insurance you just bought can't be loaned. The premise of policy loan is that it has been insured for more than two years and the insurance account has cash value. Usually, the maximum loan amount provided by insurance companies is 70%-80% of the cash value of customers' policies.

Policy loan refers to a loan method in which the insured mortgages the policy he holds to the insurance company and obtains funds according to a certain proportion of the cash value of the policy. Since the customer's insurance protection is not affected in this process, the policy is still valid.

1. Not all policies can be loaned. Enterprises and individuals who have purchased insurance policies with savings nature such as life insurance, dividend insurance, endowment insurance and annuity insurance can make corresponding loans by way of policy pledge according to the cash value of the purchased insurance.

2. The insurance policy is only suitable for short-term use, not suitable for high-risk investments such as stocks.

3. Policy loans must be applied by the applicant or the insured, and may not be entrusted; Insurance policies that have been exempted from premium cannot be handled, which is more common in children's insurance

Repayment type:

When repaying, customers can choose to repay in full or in part at one time. If the customer fails to repay the loan and loan interest when the loan expires, the owed policy loan and accumulated loan interest constitute a new policy loan, and the interest is calculated according to the policy loan interest rate on the next day of the maturity date. If the customer partially repays the loan, the repayment will be used to repay the accumulated interest first, and then to repay the loan principal. If the borrower fails to perform the debt at maturity, the insurance contract will be terminated when the loan principal and interest are lower than a certain proportion of the cash value of the policy.

I just bought a month's insurance. Can I get a loan?

A: No, insurance is basically needed in the market now, and it can only be paid for six months. It is impossible if the insurance is just enough for one month. If anyone can tell you that you can get a loan with one month's insurance, then he is 100% just to defraud your upfront expenses. You must be careful.

You can apply for policy loans after half a year:

1. Prepare all the materials needed for the loan, including the original personal ID card, the original insurance policy and the information specified by banks and insurance companies, and apply for a loan from 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.

Under normal circumstances, you can apply for a loan with the insurance policy after paying the insurance for half a year, but different insurance companies and lending institutions have different requirements for insurance loans, so you can call customer service in advance.

To apply for a policy loan, you need to meet the following conditions:

1. The age of the applicant meets the requirements of the lending institution.

2. The applicant is a natural person with full capacity for civil conduct and can provide valid identity documents.

3. The applicant has a fixed job and a stable income, and has the ability to repay on time.

4. The applicant has a good personal credit record.

5. The insurance policy provided by the applicant meets the requirements of the lending institution. 6. The applicant meets other conditions of the lending institution.

Suggestion: The policy loan has a short term and generally needs to be paid off within 6 months. If the borrower fails to repay the loan in time as agreed in the contract, it will not only pay the penalty interest, but also the policy will be permanently invalid when the principal and interest of the loan reach the surrender amount. Therefore, although the policy loan can alleviate the short-term capital demand of the insured, it is recommended that you handle this business cautiously. If you apply for a policy loan, you must repay it on time, otherwise you will face triple losses such as penalty interest, invalid policy and poor credit information.

Can New China Life Insurance borrow money to buy insurance at will?

Generally speaking, the newly established insurance can't be loaned, and it can only be loaned after the policy has accumulated a certain cash value, which is accumulated over time. When it was first established, the cash value was very low, so it was generally impossible to lend. The types of insurance with cash value include endowment insurance, whole life insurance, endowment insurance, annuity insurance and dividend insurance, while accident insurance, health insurance and investment-linked insurance do not have the function of mortgage loan.

Generally, policy loans can only be made after one year of insurance. Usually, the loan amount can't exceed the proportion of the cash value of the policy, and you need to bear certain loan interest.

Can I get a loan for the insurance I bought at the insurance company?

Can I get a loan for the insurance I bought at the insurance company?

According to the relevant regulations of China Insurance Regulatory Commission, the maximum cash value of the loan policy can be 80%. In fact, the loan ratio, loan operation rules and loan interest of each insurance company will be different.

Accident insurance, critical illness insurance and medical insurance all have low cash value, and generally do not borrow money from here. Most of the policy loans will be lent in last year's insurance policy, especially the products that get off to a good start at the end of each year, focusing on high current prices and high liquidity.

Lenders are most concerned about the amount, time and interest rate. This is also a place to pay attention to contracts. For example, some insurance companies have an annual interest rate of 4.85%, and the interest is settled once every six months, and the principal can be used all the time. For those who have requirements for the use of funds, such a policy is particularly flexible and easy to use.

Hello, most types of insurance have loan function, but only the cash value of the main insurance can be loaned, which is generally 80% of the cash value.

You can't borrow much money for four years. You can call the insurance company's service phone to make an inquiry.

Can I get a loan for the insurance I just bought?

If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Each loan project requires different conditions and application materials. Please call the customer service hotline of China Merchants Bank at 8:30- 18:00, and select "2 Manual Service-"1"Personal Banking-"4 "Personal loan business to enter manual service, providing detailed information on loan purpose and city. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank. Note: There is no deposit in our loan, and the general minimum loan amount is 50,000 yuan.

Does the insurance company have insurance for bank loans?

I want to play ... I have to say you are a genius. In fact, there is related insurance called credit guarantee insurance.

Is the insurance bought in Datong recognized by the insurance company?

Recognition.

Chase is not an insurance company, but an insurance agency.

An agent is an agent who signs a contract with an insurance company to represent the products of the insurance company, and can only represent the products of his own insurance company;

Insurance agencies can sign contracts with many insurance companies to represent their products. Therefore, for the richness and suitability of products, insurance institutions must be better.

So you won't insure Datong's insurance, but the products of the insurance company represented by Datong. The insurance contract finally signed belongs to the insurance company, not Datong.

(1) Insurance company: An insurance company is a company that sells insurance contracts and provides risk protection. It is an insurer that operates insurance business in the form of company organization. An insurance company is a financial institution established in accordance with China's Insurance Law and Company Law to engage in commercial insurance business.

(2) Insurance agency companies refer to limited liability companies and joint stock limited companies established in accordance with the Company Law, the Insurance Law and the Regulations on the Supervision of Insurance Institutions, which specialize in insurance agency business. It belongs to a professional insurance agent. China's laws adopt the principle of examination and approval system for the establishment of insurance agencies, that is, the establishment of insurance agencies must be approved by the China Insurance Regulatory Commission, obtain a business license to operate insurance agency business, go through industrial and commercial registration procedures, and obtain a business license before they can engage in insurance agency business activities.

(3) Insurance agent: refers to the unit or individual that handles insurance business on behalf of the insurer within the scope authorized by the insurer and collects agency fees from the insurer according to law. In the modern insurance market, insurance agents have become one of the main forms and ways for insurance companies all over the world to develop insurance business. There are three types of insurance agents: individual agents, part-time agents and individual agents. Among them, professional insurance agents refer to insurance agencies specializing in insurance agency business.

Can I buy a car without going to the insurance company designated by the bank for a loan?

No, the automobile 4s shop and the insurance company have a cooperative relationship. Without an insurance company, the loan may not be realized!

Loan terms:

1。 China citizens who have a permanent residence or valid residence certificate at the place where the loan is located, are under the age of 18 -60, and have full capacity for civil conduct;

2。 Having the ability to repay the loan principal and interest on schedule;

3。 Have a good credit record and willingness to repay, and no bad credit record;

4。 The bank must have left no bad record.

5。 The monthly income is more than 2000 yuan.

You can apply for a loan if you meet the above conditions.

Can the insurance company get a loan?

Because the main business of insurance companies is to pull car owners into insurance, and it is based on the accumulation of money. Lending will lead to loopholes in insurance support. The state does not allow insurance companies to do this. Insurance companies can manage money and issue stocks. To enrich their own accumulation.

Can Taikang's insurance be loaned?

You can borrow money.

Policy loan conditions:

1. The lender is a legal citizen of China, aged18-65;

2. The lender is the insured;

3. The policy has been in effect for more than 6 months;

4, the annual payment of the policy is not less than 2400 yuan;

5. Other conditions stipulated by the bank.

I want to buy insurance that can be loaned.

Long-term insurance can be loaned as long as it has cash value.

How long can I get a loan when I buy insurance?

Take Ping An Insurance as an example: as long as the main insurance contract is valid, you can apply for a policy loan at any time.

1. Loan amount: You can apply for a policy loan from our company, and the maximum loan amount is 80% of the cash value of the policy at that time.

2. Insured: the insured (if the insured and the insured are not the same person and the insured is not authorized, the insured must be authorized);

3. Acceptance time: within the validity period of the policy;

4. Applicable restrictions: the terms can be applied for loans, and there is no surrender rule for the main insurance.

5. Application place: local Ping An Insurance Customer Service Center.

6. When the applicant and the insured are the same person, documents shall be prepared:

Personal life insurance policy loan application

Identification documents of the applicant

Current settlement account in the name of the insured.

Extended data:

Customers who call our national unified service telephone number 955 1 1 shall meet the following conditions:

1. Advanced password permission has been enabled for personal customer password service;

2. The applicant and the insured are the same person, or the guardian of the insured, or the insured has authorized;

3. The original account of the policy is true and valid (the loan amount is transferred to the original account of the policy by default);

4. The amount of a single loan shall not exceed 50,000 yuan.