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人寿保险单由于缴费期限比较长,且一般都是均衡缴纳保费,当保费缴纳到一定时间后,就会积累一定数量的现金价值。投保人可以利用保单的现金价值,以保单作抵押向保险公司借款。这种贷款方式既可以帮助保户解决一时之需,又可以使自己继续享受保险保障。保单抵押贷款的最高金额一般不能超过保单的现金价值,贷款额一般掌握在保单现金价值的70％左右。贷款利率以同档次银行贷款利率计算,借款期限可以是不确定的,在保单持续有效的前提下可以
Due to the relatively long period of payment, life insurance policies generally pay premiums evenly. When the premiums are paid for a certain period of time, a certain amount of cash value will be accumulated. The insured can use the cash value of the policy to borrow the insurance policy from the policy holder. This loan can not only help the policyholder to solve the temporary problem but also continue to enjoy the insurance protection. The maximum amount of policy mortgages generally can not exceed the cash value of the policy, the amount of loans generally hold in the policy about 70% of the cash value. Loan interest rates with the same grade of bank loan interest rates, the duration of the loan can be indefinite, the policy can continue to be valid under the premise