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Can I borrow money from the bank to buy insurance?
1. Can I borrow money from the bank to buy insurance?

You can borrow money from the bank for later fund management.

Second, can the insurance policy be mortgaged in the bank?

The policy can be loaned in the bank, but it must meet the basic conditions of the policy loan. Policy loan application conditions:

1, and the annual policy payment is more than 2,400 yuan;

Step 2 guarantee

3, the policy has a certain

4. The lender's credit information is good;

5. The lender is a legal citizen of China aged 18-65 and has a stable address in China;

6. Other conditions stipulated by the bank. Proof of marital status and other policy loan preparation materials; (Certificate issued by the neighborhood committee or 3. Work certificate; 4. Insurance policy; 5. Bank loan application process: 1. The lender prepares relevant materials and submits them to the lending bank; 2. Lending bank; 3. After approval, the loan contract becomes effective; 4. For bank loans, the lender shall fulfill the repayment obligations.

3. Can the insurance policy be loaned in the bank?

The policy can be loaned in the bank, but it must meet the basic conditions of the policy loan.

Policy loan application conditions: 1, and the annual policy payment is more than 2,400 yuan;

2. The policy has been in effect for more than half a year;

3. The policy has a certain cash value;

4. The lender's credit information is good;

5. The lender is a legal citizen of China aged 18-65 and has a stable address in China;

6. Other conditions stipulated by the bank. The preparation materials for the policy loan are as follows: 1, ID card, proof of marital status, etc. 2. proof of address: (certificate issued by the neighborhood Committee or invoice for water and electricity payment in recent 3 months); 3. Work certificate; 4. Insurance policy; 5. Other supporting materials as stipulated by the bank. Policy loan application process: 1. The lender prepares relevant materials, fills in the loan application form at the loan bank and submits the materials; 2. Upon receipt of the application, the loan bank will confirm and review the information; 3. After approval, the lending bank contacts the lender and signs relevant contracts; 4. For bank loans, the lender shall fulfill the repayment obligations.

4. Can I use the insurance policy to mortgage the loan in the bank?

Yes, within the cash value of the policy, the applicant can apply for a policy loan from the bank that cooperates with the insurance company at any time without providing another guarantor. Generally, dividend insurance can lend 90% of the cash value, and life insurance policies with more than 2 years can lend 70% of the cash value.

Expanding the mortgage loan process of information bank;

1. Prepare your ID card, household registration book, marriage certificate, husband's or wife's ID card, husband and wife's bank payroll, original property certificate (or property certificate with three certificates in one), provident fund list, etc. And come to the bank credit window for processing.

2. Then the bank loan officer will ask you or both husband and wife to take out their own bank credit reports for preliminary evaluation.

3. After the personal credit evaluation of the bank, it is determined whether the loan can be made, and then the property price and the loan amount of the bank are evaluated, which is generally 60%-70% of the overall price of the property. Of course, as a customer, you can also reduce the loan ratio according to your actual needs.

The credit manager will discuss with you according to the bank's loan interest rate (up and down) and the number of years. There are many contracts to be signed at this time. You must carefully look at three indicators, the annual interest of the loan and the number of years of the loan.

5. The annual interest of the loan is floating, which is determined according to the actual credit information, salary slip or provident fund slip. You can also ask the credit manager to get a lower annual interest rate according to his floating ratio.

6. I would like to add here that when signing the agreement, it is best to write a list of "loan purposes" for practical use. If they are still husband and wife, both husband and wife must be present and sign.

7. It usually takes about 7-20 working days to lend money after submitting the materials, and the specific time shall be subject to the regulations of different banks.

8. Bank loan refers to an economic behavior that an individual or enterprise lends money to a bank at a certain interest rate according to the policies of the country where the bank is located and returns it within the agreed time limit.