The policy loan amount of China Ping An Life Insurance Company of China Insurance Company is calculated according to the cash value of the policy, and the maximum loanable cash value is 80%. The loan term is half a year, and the principal and interest will be repaid at maturity. If you want to continue the loan, you can repay the interest for half a year first, and then go through the loan renewal procedures. During the loan period, the cash value and dividend of the policy will not be affected, and the return will not be affected. It is wrong to say that the value of cash is affected in the above answer. The interest of the policy loan is 2.5% on the basis of the one-year bank deposit rate at that time. Now the one-year bank deposit interest rate is 3.25%, plus 2.5%, then the loan interest rate is 3.25%+2.5%=5.75%.