Really. (1) There are two types: First, it is a policy cash value loan from Ping An Insurance, with a very low interest rate, usually around 5%. 2. Unsecured loans for Ping An customers with policy credit of more than 3 years of payment, with interest rates ranging from 11% to 13%, depending on the industry. (2) Policy application process: 1. Make an appointment for loan application. Applicants first need to submit an insurance application for Ping An Yidai Insurance to the Ping An Property and Casualty Insurance Center; 2. Ping An Company accepts loan reservations; 3. The borrower submits a loan application and the funds required for the loan; 4. The bank reviews relevant information; 5. Information After passing the review, the bank will issue the loan; 6. The borrower will repay the loan on time. (3) Ping An Yidai application conditions: 1. Have Chinese nationality (excluding residents of Hong Kong, Macao and Taiwan); 2. Aged 21-55 years old; 3. Live in the applying city and work in the current unit for more than 6 months; 4. Month Income exceeds 2,000 yuan.