Taikang life insurance policy loan needs to be paid off within six months.

Taikang life insurance policy loan can be loaned for up to six months, which means that the borrower must pay off the loan within these six months.

Taikang life insurance policy loan is essentially a mortgage loan, and the application process is as follows:

1. The borrower applies for policy loan at the counter of Taikang Life Insurance Company with valid policy, original ID card and bank card;

2. The staff of Taikang Life Insurance will review the authenticity of the information, the cash value of the policy, the identity of the borrower, the income status of the borrower and the credit of the borrower;

3. If approved, Taikang Life Insurance will make the next payment.

Second, must the policy loan be paid off within six months?

The policy loan need not be repaid within six months. In the real policy loan business, if the lender fails to repay the loan within the specified time for some reason, the insurance company will bear interest, and when the cash value of the policy is not enough to deduct the loan interest, the guarantee will be terminated.

Just search: quick view of the shell tip. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

Extended data:

What if the policy loan is not due?

If the policy loan is not repaid, you can borrow from friends and relatives, or apply for repayment reduction or exemption, or contact the lending institution to apply for deferred repayment or installment repayment.

Otherwise, if it is not repaid for a long time, there will be a certain penalty interest, and the repayment pressure of the borrower will also increase. However, when the sum of interest and principal of the policy loan is equal to the cash value of the policy, the cash value will be deducted, but the policy is invalid at this time.

If the borrower is still unable to repay the loan and loan interest at the expiration of the loan term, the owed policy loan and accumulated loan interest constitute a new policy loan, and the interest will be compounded at the latest policy loan interest rate every six months.

In addition, if the policy loan has not been repaid, personal credit may also be tainted, and the consequences are still very serious.

3. What is the repayment date of China Life's single loan?

Policy loan or life insurance loan? The two are different. The principal and interest of the policy loan will be repaid within 6 months, and the life insurance loan 12/24/36 months.

4. How about Ping An's new loan?

Hello, if the specific interest rate quality and the selected method of Ping An Bank's new loans are evaluated, the annual interest rate is between 14.4%- 18.36%, subject to the actual approval result of the loan system. If you need funds, you can try to apply for a new loan through Ping An Pocket Bank APP- Finance-Loan.

First, the nature of Ping An Bank

Ping An Bank, the full name of Ping An Bank Co., Ltd., belongs to China Ping An Insurance (Group) Co., Ltd., and is one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province.

2. What is the new loan of Ping An Bank?

Ping An's "new loan" products are issued to "wage earners with sustained and stable wage income" or "self-employed individuals with sustained and stable operations", and the recognized monthly income is mainly used for unsecured loan business for other consumption or business purposes of individuals or families except buying houses.

No guarantee: no guarantee, only one.

It's convenient to apply. Go to the bank 1 time and just sign a contract.

Limit commitment, within three working days, the fastest loan 1 day.

The application threshold is low, the monthly payment is more than 3 years, or the payment is more than 3 years and 5 years), or the deposit base of the provident fund is greater than or equal to 4000, which can be superimposed.

3. It can be seen that the requirements for personal credit information are very high. Of course, it's a bank after all.

Interest rate interest standard:

Self-employed: 1.53%

Standard acceptance

Excellent occupation: 1.4%

Ping An Group employees:1.2-500,000 yuan

2. Loan term: 12 months, 24 months and 38 months.

3. Repayment method: equal monthly payment.

4. Payment methods: entrusted payment and independent payment.

5. Prepayment: 5% of the remaining principal is used as liquidated damages, and only one-time prepayment is accepted.

6. Common uses: daily consumption, management, decoration, furniture and electrical appliances purchase, personal education, children's education, wedding (the daily consumption amount does not exceed 654.38 million yuan, and the furniture and electrical appliances purchase amount does not exceed 300,000 yuan).

4. Mortgage loan

Loanable amount = monthly repayment amount of original mortgage ×45 (monthly repayment amount for more than one year)

Loanable amount = original mortgage repayment for more than one year)

Loanable amount = monthly repayment amount of original mortgage ×7 and above)

Income = monthly repayment amount of original mortgage × 10 times.

1. The repayment method is monthly repayment (including biweekly repayment).

2. The amount of mortgage repayment required by remote mortgage customers is 30 times of the monthly payment.

3. The mortgage has been settled for less than 12 months.

Parents under the age of 4.28 should know their loans.

Verb (abbreviation of verb) PLUS version of mortgage purchase

Loanable amount = monthly repayment amount of original mortgage ×80 (monthly payment

Loanable amount = monthly repayment amount of original mortgage for more than three years)

Loanable amount = monthly repayment amount of original mortgage × 120 (five-year monthly repayment)

Income = monthly repayment amount of original mortgage × 10 times.

1. The repayment method should be monthly)

2. The customer needs three companies to deny it, and the amount is not limited.

3. For customers, there is no limit to the deposit amount of provident fund.

An intransitive verb insurance policy entry

1. The life insurance policy of 19 insurance company is acceptable.

China Ping An Insurance Company Limited, China Life Insurance Company Limited, new china life insurance co Company Limited, Taikang Life Insurance Company Limited, Pacific Life Insurance Company Limited, China People's Life Insurance Company Limited, Taiping Life Insurance Company Limited, AIA Life Insurance Company Limited, Fude Life Insurance Company Limited and Sunshine Life Insurance Company Limited.

2. This policy is effective at present, and there is no duplication effect. Payment has been made four times in three years, and the insured has not changed in the past year.

3. The same policyholder can accumulate up to 3 policies.

Loanable amount = annual life insurance premium ×20(2 years)

Loanable amount = annual life insurance premium ×30(3-4 years)

Loanable amount = annual life insurance premium × 40 (more than 5 years)

Income = annual premium ×8

Seven. Purchase provident fund

1, the provident fund must be paid continuously for 2 years.

2. There have been cases where "payment" or "payment" has not been recognized.

3. The deposit base of ordinary occupational provident fund is ≥ 4,000 yuan, that is, the individual deposit amount is ≥480 yuan.

4, provident fund deposit unit name must be consistent with the name of the work unit.

5, must be wage earners, if the name has a business license, as a self-employed, the interest is 8.5%.

6. According to the deposit base, inquire about the deposit amount of provident fund in recent 1 year. If there is any increase in the recent 1 year provident fund, the increase will exceed.

120% of the provident fund, whichever is lower.

Loanable amount = deposit base ×40 (deposit base ≥4000