1. How to apply for a Ping An policy loan?

Ping An insurance policy loan method: During the validity period of the main insurance contract, with the consent of our company, you can apply for a policy loan from our company. The maximum loan amount is 80% of the current cash value of the policy. If you need it, you can get a loan through this project. Customers visit the customer service center in person to handle inquiries about Ping An Life Customer Service Center and cooperative banks. Documents required to make an appointment to visit the counter: When the policyholder and the insured are the same person:

① Application for change of insurance contract (policy loan/ Repayment type)

②Identity document of the policy holder

③Current settlement account in the name of the policy holder. When the policy holder and the insured are not the same person: ①Application for change of insurance contract Letter (policy loan/repayment type) (if the insured does not authorize it, the insured’s signature is required) ② Identity document of the policy holder ③ Current settlement account in the name of the policy holder

④ Identity of the insured Documents The customer entrusts a salesperson/other person to go to the customer service center to handle the required documents: When the policy holder and the insured are the same person: ① Application for change of insurance contract (policy loan/repayment type) ② Authorization letter ③ Identity certificate of the policy holder ④ Identity document of the agent

⑤ Current settlement account in the name of the policy holder. When the policy holder and the insured are not the same person: ① Application for change of insurance contract (policy loan/repayment type) (if the insured is If not authorized by the insurer, signature of the insured is required) ② Power of attorney ③ Identity certificate of the insured ④ Identity certificate of the insured ⑤ Identity certificate of the agent

⑥ Current settlement account in the name of the policy holder

Extended information: The applicant who is qualified to apply is the policy holder (when the policy holder and the insured are not the same person and the insured has not authorized it, authorization from the insured is required). The acceptance time is within the validity period of the policy

2. What are the repayment methods for Ping An Haodao policy loans?

1. The borrower’s credit report from the People’s Bank of China shows that there is currently a mortgage (whether it is settled or not)

2. Loan Purpose materials

3. What are the repayment methods for policy loans? How to repay policy loan?

When applying for a policy, the borrower brings the policy and his/her relevant documents to the insurance company or bank to apply directly. The loan amount generally does not exceed 80% of the policy's cash value. Since it is a short-term loan, the maximum loan period is usually 6 months, but the loan can be renewed upon maturity. Loan interest is generally calculated on a daily basis. In terms of repayment methods, policies generally stipulate that there are two repayment methods: 1. When half a year has passed from the date of the policy loan, the policy holder can repay the principal and interest in one go; 2. If the policy holder needs to continue to use the loan, For funds, you can pay off the interest first and then renew the loan, and then pay off the principal and interest when it expires in the next half year. Nowadays, some insurance companies have added new repayment methods. That is, if the customer fails to repay the principal and interest after half a year, the interest can be calculated into the principal when renewing the loan, and the principal and interest will be repaid after the next half year. In addition, the policy has reduced the loan limit, and the loan limit is now as low as 1,000 yuan.

4. Is Ping An Loan real?

If you want to apply, it is recommended to go to the bank.

The better the qualifications of the individual, the easier it is to apply. You can apply now, without collateral

Conditions for applying for loan business:

1. Aged between 18 and 65 1 year old naturally

2. The actual age of the borrower plus the loan application period should not exceed 70 years old;

3. Have a stable career, stable income, and repay on schedule

5. Meet other conditions stipulated by the bank.

Extended information:

China Ping An Loan is a personal or family consumer loan mortgage guaranteed by an insurance company, but it still needs to be reviewed by the insurance company and has the ability to repay. Processing is equivalent to a one-time payment of insurance premiums to Ping An Group by Ping An Group. Bank interest and monthly repayments will be deducted regularly every month

According to the relevant regulations of the China Banking Regulatory Commission For investing in the stock market, futures market or any other equity loan, it can be used for any transfer and emergency, including purchases

Everyone knows that bank loans are not possible without collateral, and Ping An Group has newly launched "Credit Guarantee Insurance" solves this problem. The lender has no collateral, and the bank is worried that the customer cannot repay the loan and cannot control the risk. The bank then hands over risk management to Ping An, who will accept the customer and determine that the applicant has sufficient If the repayment ability of Ping An Group is high, it will sign a "Credit Guarantee Insurance" policy with the customer. With Ping An Group as the credit bank, it will sign a "Personal Consumption Loan" contract. After the contract is signed, the cooperative bank will release the loan according to the date stipulated in the contract. Applicant Account.

(Tip: Ping An’s credit guarantee insurance premium will be deducted regularly every month after the unpaid payment is made all at once).