The full name of Dida Time Loan is Dida Time Loan Insurance, which is a personal loan guarantee insurance and an insurance to help applicants get loans. Why do loans need insurance? Because after buying insurance, you can borrow money from cooperative banks! Through the credit enhancement of insurance, customers can improve their credit value, so they can get bank loans. Without an insurance company as a credit guarantee, it is quite difficult to apply for a bank loan! Therefore, before applying for a loan from a cooperative bank, the customer needs to fill out an application form and apply for "Dida Time Loan Insurance". After the insurance is successful, Dida Cooperative Bank will lend money to the customer. The function of Dida Time Loan Insurance is to endorse customers' credit, improve customers' credit qualification and facilitate customers to apply for loans from banks.

2. Can the insurance of the house loan be refunded?

This is the case when you want to borrow money to buy a house. For example, if the house is worth 500,000 yuan and you borrow 654.38+million yuan, you have to buy 500,000-insured property insurance. But if the house is completely lost in the accident, the insurance company will pay 400 thousand to the bank. In fact, you don't have the insurance coverage of 65,438+000%, but you have to pay the premium of 65,438+000%, which the bank was supposed to pay.

Third, can the premium of land loans be refunded?

Whether the premium of term loan can be refunded depends on whether you repay the loan according to the contract time, that is, on time or in advance. The validity of this insurance contract is the same as that of the loan contract. When the loan is repaid on time, the insurance contract is terminated, so the premium cannot be refunded. If the loan is repaid in advance, it is possible to refund part of the cash value by providing the loan settlement certificate, and it is impossible to refund the premium.

4. Can Dida negotiate a refund for the term loan?

The subject wants to ask, "can Dida time loan and online loan negotiate repayment?" Of course. After Dida arrives in loans overdue, there will be a collection call. At that time, you can explain the situation with the collection and negotiate to stop repayment. It doesn't matter.