China Life 99 can be mortgaged by a policy, and Mo Long is recommended as a loan. Unsecured loans on the platform can be released as soon as 1 day, and unsecured loans in apartment stores can be applied for as soon as 2 hours. There are corporate tax stamp loans, mortgage loans, mortgage loans and other projects, which have a good reputation and are worth choosing.
Materials required for loan:
1, valid ID;
2. Proof of permanent residence or valid residence, and proof of fixed residence;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Loan use plan or statement;
8. Other information required by the bank.
For more information about the loan, please consult Moore Long. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in terms of customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and microfinance companies. Trustworthy!
How to get a loan from China Life Insurance Policy?
The loan process of China Life Insurance Policy is as follows: First, open the China Life Insurance APP, click the policy at the bottom of the page to find the loanable policy, then open the policy rights, click the loan, and enter the current loanable (RMB). Read and agree to the loan instructions, and then click Next. Perform face verification and SMS verification code as required, and click Next. The loan application has been submitted. Click to view the progress. You can check the progress if the loan is successful.
Insurance provides us with protection. The cash value of insurance can be used for borrowing, and the annualized interest rate is very low, which is suitable for temporary turnover. However, it should be noted that intermediate authorization should be obtained before borrowing. Moreover, the policy loan can be repaid in advance, and there is no handling fee.
Operating environment: oppo Reno 5prov11.1China life app version 2.4. 1.
1. How many times can I borrow from China life insurance policy?
1. When the original loan is not settled, it can only be borrowed once.
A policy can only be borrowed once at a time. For example: I have a policy of 6.5438+10,000 yuan, and the loan that this policy can apply for is 30,000 yuan. If the loan amount is 1 000 yuan when I apply for pledge with this policy for the first time, then the policy can't be borrowed again until the loan is returned at maturity, and I can only borrow it once.
2. The original loan has been settled, and multiple loans can be made.
If the original loan has been paid off, take the above example: I used a policy loan of 1 0,000 yuan, and one month later I was rich again, so I paid off the loan and the policy was released from pledge. If you still want a loan the next day, you can continue to apply for a loan. Similarly, under the condition that the original loan has been settled, a policy can be loaned multiple times.
As can be seen from the above example, there is still a difference between policy loans and bank loans. Banks can apply for revolving loans once and withdraw them many times. But policy loans are not allowed.
Two. Matters needing attention in policy loan
1. Borrowing is not a function of all contracts. That depends on whether you have it in your terms. For example, China Life Hongtai's old-age security (dividend-sharing) has no borrowing function. If there is a loan clause in the terms, it means that it can be borrowed.
2. The maximum amount of the loan. It depends on how many years you bought it, mainly according to the new insurance law, that is, before 2009 10. The maximum loan amount is 70% of the cash value, followed by 80% of the cash value.
3. The interest rate of the loan. Every company is different. Before 20 1 1, China Life was 5.56%, and after 20 1 1, it was 6.56%. This is floating, mainly because the company is formulated under the premise of legal compliance.
4. Borrowing time. China Life's longest loan period is 6 months. This does not mean that it can only be borrowed for six months, but only once every six months. The trial calculation of your loan is also based on this time. If you can't repay after 6 months, you can continue to accumulate loans without any formalities. Cumulative square test: loan interest for 6 months of loan principal = refinancing principal. Then calculate the loan interest with the new loan principal until the cash value is not enough to pay the loan.
Operating environment: oppo Reno 5prov11.1China life app version 2.4. 1.
Can I get a loan from China Life Insurance Company?
China Bank's life insurance policy refers to a personal business in which the borrower takes the unexpired life insurance policy as pledge, obtains a certain amount of RMB loan from the bank, and repays the loan principal and interest on schedule. 1. Loan object: Any natural person, policyholder, insured or insured authorized by group policyholder with full capacity for civil conduct who holds a life insurance policy with cash value issued by an insurance company designated by Bank of China can apply for a life insurance policy. 3. A borrower applying for a life insurance policy must meet the following conditions: (1) A natural person with full capacity for civil conduct; (2) Holding valid identity documents of the applicant and the insured; (3) Holding a life insurance policy with cash value as pledge; (4) Pledged life insurance policies should be personal policies. If the borrower is the insured, it must provide written proof that the insured and the beneficiary (if the insured and the beneficiary have no capacity for civil conduct, this article shall be implemented by their guardians) sign and agree to pledge the life insurance policy; If the borrower is the insured, it must provide written proof that the insured and the beneficiary (if the beneficiary has no capacity for civil conduct, this article shall be executed by his guardian) sign and agree to pledge; If the life insurance policy pledged by the borrower is a group policy (single policy), it must have a written authorization certificate from the insured unit and be confirmed by the insured insurance company; (5) Other conditions stipulated by the lender. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
China Life bought insurance 20 years ago, and it can be loaned for several months.
China Life Insurance bought insurance 20 years ago, which can be loaned for half a year. China life insurance policy loan is a short-term loan, the loan period will not be too long, in six months. The loan of China life insurance policy is based on the cash value of China life insurance policy, and the loan amount is large, all of which are short-term loans with a loan term of less than half a year.
So much for the introduction of China life insurance policy.