[摘要](咨詢電話*** ***) 手頭吃緊,急需一筆現金周轉,去保險公司申請個人保單質押貸款是不少人的選擇。那么,哪些保單是可以質押貸款的呢?
一(yi)般來說,具有(you)現(xian)金價值(zhi)的保(bao)單,只要條款中允(yun)許,都能從保(bao)險(xian)(xian)(xian)公(gong)司獲得貸(dai)款。通(tong)俗地說,現(xian)金價值(zhi)就是(shi)指帶有(you)儲蓄(xu)性質的人身保(bao)險(xian)(xian)(xian)單。通(tong)常來說,萬能險(xian)(xian)(xian)、分紅險(xian)(xian)(xian)、終身壽(shou)險(xian)(xian)(xian)以及一(yi)些兩全保(bao)險(xian)(xian)(xian)都具有(you)現(xian)金價值(zhi)。而健康險(xian)(xian)(xian)、意外險(xian)(xian)(xian)、醫療(liao)險(xian)(xian)(xian)、投連險(xian)(xian)(xian)等消費型保(bao)險(xian)(xian)(xian)不(bu)能用于質押(ya)貸(dai)款。
此外(wai),已經發生保(bao)費(fei)豁(huo)免的(de)保(bao)單也不能(neng)辦理質押(ya)貸款;財產保(bao)險單也因不具有現(xian)金價(jia)值(zhi),不能(neng)作為質押(ya)憑證。目前,中國(guo)人(ren)壽(shou)、平安人(ren)壽(shou)、新華(hua)人(ren)壽(shou)等幾(ji)家大公(gong)司的(de)保(bao)單質押(ya)貸款利率均為5.6%,期(qi)限(xian)為6個月。