Endowment insurance belongs to social insurance, of course, it can't be loaned; As long as the product you buy has the loan function, you can get a loan. Take a closer look at the terms of the product.
Second, how much can I borrow from the endowment insurance loan?
First of all, social security loans must meet the following conditions
1. Social security is paid continuously 18 months or more without interruption.
2, must be 22-55 years old (excluding) residents of China (excluding Hong Kong, Macao and Taiwan).
3. Have a stable job, and the work unit buys social security and provident fund for individuals.
4. The place of work is the same as the place of application, the place of work and the place of social security payment.
5. No overdue records, and the ability to repay the loan principal and interest on time.
Compared with your own conditions, if you can basically meet them, you can try to apply for social security loans in the bank.
Everyone's social security contributions are different, so the loan amount will be different. Social security loans can be up to 500 thousand.
However, the reality is that it is rare to get such a high loan amount. The loan amount must pass the personal qualification assessment and be calculated by the social security payment.
Third, there is a pension in the Bank of Communications app. Can I borrow 12000?
Yes, the maximum amount of pension loans can reach 300,000, which is 300,000 compared with other loan methods. If you want to apply for a pension loan, you must first comply with the local provident fund loan policy. The minimum loan amount for pension is 50,000 yuan, and the maximum loan amount does not exceed 15 times of the balance of personal account. This does not mean that you cannot apply for a loan, but you need to meet other conditions.
4. Taikang policy endowment insurance pays 10 thousand a year. How much can I borrow after two years?
Look at the cash value on your policy, which is generally 80% of the cash value of the loan policy.
I hope it helps you.