本文選題：抵押貸款 + 保單現(xiàn)金價值��； 參考：《財會月刊》2013年36期

【摘要】：正說起保單,現(xiàn)在很多家庭或多或少都有幾份保單。不管是意外險還是健康險,大家的保險意識明顯增強(qiáng)了許多。不過,并不是所有買了保險的人,都對保單的功能很了解。保單抵押貸款利率略高于同期銀行貸款利率保單抵押貸款是投保人把所持有的保單直接抵押給保險公司,按照保單現(xiàn)金價值的一定比例獲得資金的一種融資方式。要說保單能夠貸款,想必大家最為關(guān)心的應(yīng)該是保單貸款的額度、時間與利率。
[Abstract]:There are many families more or less all more or less insurance policies. The insurance awareness has increased significantly, whether it is accident risk or health insurance. However, not all those who have bought insurance have a good understanding of the function of the policy. The interest rate of the mortgage loan is slightly higher than that of the bank loan interest rate policy. The person holds the policy directly to the insurance company, in accordance with a certain proportion of the cash value of the policy to obtain a financing way. To say that the policy can loan, it is necessary for everyone to be most concerned about the amount of the insurance policy, time and interest rate.
【分類號】：F842.6

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