贷款利率低至0.1%，增额寿还能这样用？

<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTOycI8IxwC86V6bKvl3Ruib8HuxdxfSZDhiafjrnLQl8LPBatGSM9a8j4ibATgP4aOgVb39TC9AkhUXQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOycI8IxwC86V6bKvl3Ruib8HuxdxfSZDhiafjrnLQl8LPBatGSM9a8j4ibATgP4aOgVb39TC9AkhUXQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></section><p ><br /></p><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></section><p ><br /></p><p ><span >不卖关子，标题说的就是增额寿的「<strong>保单贷款</strong>」功能。</span></p><p ><span ><br /></span></p><p ><span >这个功能不限于增额寿险，通常具有高现金价值的保单（如年金险、重疾险等）都能使用。</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTME7Ryd4ia2Zga2sAFAqjxPuick6QdcWuJtnKXRRWgGP4iafgrmBBjRAukUJyGFia6FDYtvMTSSqHSZBQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTME7Ryd4ia2Zga2sAFAqjxPuick6QdcWuJtnKXRRWgGP4iafgrmBBjRAukUJyGFia6FDYtvMTSSqHSZBQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">某产品条款中的保单贷款规定</span><br /></p><p ><br /></p><p ><span >有些朋友可能看到现金贷就犯怵：</span></p><p ><span ><br /></span></p><p ><strong><span >不会有啥坑吧？用了对保单有没有影响？</span></strong></p><p ><span ><br /></span></p><p ><span >下面我们先简单聊聊保单贷怎么运作的，</span></p><p ><br /></p><p ><span >保单贷款，也可以叫保单质押贷款，大多数保单都有如下规定：</span></p><p ><br /></p><p ><span style="color: rgb(33, 89, 103)">【贷款额度】：最高80%现金价值；</span></p><p ><span style="color: rgb(33, 89, 103)">【贷款时长】：单次最长6个月；<br /></span></p><p ><span style="color: rgb(33, 89, 103)">【贷款利率】：不固定，一般在4%-6%内，每家保险公司不同；<br /></span></p><p ><span style="color: rgb(33, 89, 103)">【申请方式】：通常是保司官方公众号申请；<br /></span></p><p ><span style="color: rgb(33, 89, 103)">【到期归还】：通常是本息一起归还，少数可只还利息。</span></p><p ><br /></p><p ><strong><span >申请保单贷款后，不会影响保单的权益</span></strong><span >，像增额寿的现金价值仍会持续增长，并无实质影响。</span></p><p ><span ><br /></span></p><p ><span >当然，前提要按时归还本金+利息。</span></p><p ><span ><br /></span></p><p ><em><span >注：没按时归还，一般会把本金+利息作为贷款本金，进入新一轮贷款周期。以此类推，直至贷款本金+利息达到现金价值即中止。</span></em></p><p ><span ><br /></span></p><p ><span >相比民间贷款，保单贷款更加自由和隐秘，</span></p><p ><span ><br /></span></p><p ><span >白纸黑字没有暗坑（还不上也没啥实际处罚），利率还非常低（刚扫了眼我的支付宝借呗，年利率14.6%）。</span></p><p ><span ><br /></span></p><p ><span >可以看作对保单持有人的某种内部福利，买过增额寿等长期险的朋友可以都留个心，<strong>需要资金周转时非常好用</strong>。<br /></span></p><p ><span ><br /></span></p><p ><span >毕竟像增额寿都是减保容易加保难，减保后这笔钱就不能一直按3.5%复利增值了，只是短期周转，减保并不划算。</span></p><p ><span ><br /></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(33, 89, 103); text-align: start">二、</span></p><p ><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >上面说了很多，不过对我们来说，最重要的就一点：</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><strong><span >保单贷款利率；</span></strong></p><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span >贷款利率不是固定值，一是每家保险公司利率不一样，</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >二是同家保险公司也会微调（如长城人寿现利率5%，此前是5.25%）。</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >我找了一些主流增额寿背后保险公司的贷款利率，大家参考下：</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><em><span >1、弘康人寿（如金玉满堂）——4.5%；</span></em></p><p style="color: rgb(34, 34, 34)"><em><span >2、光大永明人寿（如光明至尊）——4.85%；</span></em></p><p style="color: rgb(34, 34, 34)"><em><span >3、<em style="color: rgb(34, 34, 34)"><span >长城人寿（如平型关）——5%；</span></em></span></em></p><p style="color: rgb(34, 34, 34)"><em><span style="color: rgb(34, 34, 34)">4、昆仑健康（如增多多3号）——5%；</span></em></p><p style="color: rgb(34, 34, 34)"><em><span style="color: rgb(34, 34, 34)"><em style="color: rgb(34, 34, 34)"><span >5、横琴人寿（如传世金彩）——5.25%；</span></em></span></em></p><p style="color: rgb(34, 34, 34)"><em><span >6、<em style="color: rgb(34, 34, 34)"><span >泰康人寿（如岁添福）——5.4%；</span></em></span></em></p><p style="color: rgb(34, 34, 34)"><em><span >7、爱心人寿（如守护神2.0）——5.5%；</span></em></p><p style="color: rgb(34, 34, 34)"><em><span >8、瑞华保险（如颐悦无忧）——5.75%；</span></em></p><p style="color: rgb(34, 34, 34)"><em><span ><em style="color: rgb(34, 34, 34)"><span >9、</span></em><em style="color: rgb(34, 34, 34)"><span >百年人寿（如鑫越人生）——5.75%；</span></em></span></em></p><p style="color: rgb(34, 34, 34)"><em><span ><em style="color: rgb(34, 34, 34)"><span >10、国联人寿（如益利多2.0）——5.8%；</span></em></span></em></p><p style="color: rgb(34, 34, 34)"><em><span >11、信泰人寿（如意尊系列）——5.85%；</span></em></p><p style="color: rgb(34, 34, 34)"><em><span >12、和泰人寿（如鑫享盈）——5.95%；</span></em></p><p style="color: rgb(34, 34, 34)"><em><span >13、小康人寿（如满溢人生）——5.95%；</span></em></p><p style="color: rgb(34, 34, 34)"><em><span >14、恒大人寿（如万年禧）——6.35%</span></em></p><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span >不难看出，不同保险公司的保单贷款利率差距很大。<br /></span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >低一点的，像弘康人寿，年利率只有4.5%；</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >高一点的，像恒大人寿，直接突破6%了。<br /></span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >以贷款30万为例，弘康金玉满堂一年利息是13500元，恒大万年禧会高出近6000元。</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span >相较之下，<strong>收益如果接近，更建议大家选贷款利率低的产品</strong>。<br /></span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103); text-align: start">三、</span></p><section style="color: rgb(34, 34, 34)"><br /></section><section ><span style="color: rgb(34, 34, 34)">不知道有没有人暗骂标题党，看了这么多，哪来贷款利率0.1%的增额寿？</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">这真不是乱说，我们可以算下实际利率。</span><br /></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTME7Ryd4ia2Zga2sAFAqjxPu9jXd7sTWIicmBD9jPqpJWzRhOakriazrtxAeJDg8icdWMJxYPke9T8B4A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTME7Ryd4ia2Zga2sAFAqjxPu9jXd7sTWIicmBD9jPqpJWzRhOakriazrtxAeJDg8icdWMJxYPke9T8B4A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(34, 34, 34)">以当前贷款利率最低的增额寿之一「<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493970&amp;idx=1&amp;sn=2888582c0cb1adde76a0ac95f5f8fd31&amp;chksm=cfb60ad2f8c183c4539c155ad56851197117c1b7dd35e949ccde9b149be5c31712dd5b3ae1c1&amp;scene=21#wechat_redirect" textvalue="弘康金玉满堂" linktype="text" imgurl="" imgdata="null" tab="innerlink">弘康金玉满堂</a>」为例，</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">年交10万，交5年，本金50万，</span><span style="color: rgb(34, 34, 34)">可以看到：</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><ul ><li><p ><span style="color: rgb(34, 34, 34)">持有12年，账户金额约为（即上图最后一列的现金价值）70万；</span></p></li><li><p ><span style="color: rgb(34, 34, 34)">持有23年，账户金额约为100万。</span></p></li></ul><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">假设<strong>第23年</strong>用钱，【可贷金额】为：102942080%=823536元；<br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">年度</span>【贷款成本】为：823536*4.5%=37059元；<br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">当年【账户金额增长】为：1065440-1029420=36020元；</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">年度</span>【实际贷款成本】为：37059-36020=1039元；<br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">那么，我们这一年【<strong>实际贷款利率</strong>】为：1039/823536 ≈ <strong>0.1%</strong><br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">原理很简单，前面说过，<strong>保单贷款不影响保单</strong>。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">对增额寿来说，无论我们贷了多少，期间账户金额还是按没贷款前的金额复利增值。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">因此，像弘康金玉满堂这种<strong>低贷款利率增额寿</strong>，堪称资金周转神器了。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(33, 89, 103); text-align: start">四、</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">接着简单说下保单贷款申请流程。<br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">大多数增额寿申请路径都是【关注官方公众号--保单服务--保单贷款】，以弘康金玉满堂为例：</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><strong><span style="color: rgb(34, 34, 34)">1、关注「弘康人寿」官方微信公众号；<br /></span></strong></section><section ><strong><span style="color: rgb(34, 34, 34)"><br /></span></strong></section><section ><strong><span style="color: rgb(34, 34, 34)"><strong ><span style="color: rgb(34, 34, 34)">2、点击菜单栏<span >「我的服务」，<strong ><span >进入「保单服务」</span></strong>；</span></span></strong></span></strong></section><section ><strong><span style="color: rgb(34, 34, 34)"><br /></span></strong></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTME7Ryd4ia2Zga2sAFAqjxPut5BaXBXxMFF7G26mwu8YC8ur5C9MPAkDer3jrTv3V4S1Pvhd5XoFWw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTME7Ryd4ia2Zga2sAFAqjxPut5BaXBXxMFF7G26mwu8YC8ur5C9MPAkDer3jrTv3V4S1Pvhd5XoFWw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><strong><span style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)"></span></span></strong></section><section ><strong><span style="color: rgb(34, 34, 34)"><br /></span></strong></section><section ><strong><span style="color: rgb(34, 34, 34)">3、<span style="color: rgb(34, 34, 34)">点击<span style="color: rgb(34, 34, 34)">「</span>资金/收益<span style="color: rgb(34, 34, 34)">」</span>一栏的<span style="color: rgb(34, 34, 34)">「保单贷款」；</span></span></span></strong></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTME7Ryd4ia2Zga2sAFAqjxPuyw0DHDMRJZ0UAhBZlcBEPURuOn0j91rjqDLGVTEDC6RY1VHyCaZ2FQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTME7Ryd4ia2Zga2sAFAqjxPuyw0DHDMRJZ0UAhBZlcBEPURuOn0j91rjqDLGVTEDC6RY1VHyCaZ2FQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><strong><span style="color: rgb(34, 34, 34)">4、点击保单，进入保单贷款申请页面；</span></strong></section><section ><strong><span style="color: rgb(34, 34, 34)"><br /></span></strong></section><section ><strong><span style="color: rgb(34, 34, 34)">5、确认贷款信息（用途、金额、时间、收款账户），提交即可。</span></strong><span style="color: rgb(34, 34, 34)"><br /><br /></span></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(123, 127, 131)"><strong >滑动查看长图&nbsp;</strong></span></section><section style="color: rgb(34, 34, 34)"><section style="text-align: center"><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTME7Ryd4ia2Zga2sAFAqjxPuyaic1AqulckxjDd5oEUjoJhkluIL9iauibcZZJiahlnLXObRZo48qMhMrw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTME7Ryd4ia2Zga2sAFAqjxPuyaic1AqulckxjDd5oEUjoJhkluIL9iauibcZZJiahlnLXObRZo48qMhMrw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section ><br /></section><section ><span style="color: rgb(34, 34, 34)">整个过程非常便捷，贷款一般<strong>1个工作日内</strong>就能到账。<br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">不过</span><span style="color: rgb(34, 34, 34)">保单贷款资金周转很好使，可短期还不上的话（如贷几十万买车），那就没必要了。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">说白了，“<span style="color: rgb(34, 34, 34)">救急不救穷</span>”，真用钱老老实实减保吧。</span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><strong><span style="color: rgb(34, 34, 34)">最后提醒下，</span></strong></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><p style="color: rgb(34, 34, 34)"><span >接官方通告，<strong>弘康</strong><strong >金玉满堂就要在6月30日彻底下架了</strong>。</span></p><p style="color: rgb(34, 34, 34)"><br /></p><p style="color: rgb(34, 34, 34)"><span >它的优点包括但不限于当前收益第一、封闭期短、加保/减保限制少、保单贷款利率低...</span></p><p style="color: rgb(34, 34, 34)"><span ><br /></span></p><p style="color: rgb(34, 34, 34)"><span style="color: rgb(34, 34, 34)">时间有限，想上车的朋友抓紧了。</span></p><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)">相关阅读：<br /></span></section><section ><span style="color: rgb(34, 34, 34)"><br /></span></section><section ><span style="color: rgb(34, 34, 34)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&amp;mid=2247493970&amp;idx=1&amp;sn=2888582c0cb1adde76a0ac95f5f8fd31&amp;chksm=cfb60ad2f8c183c4539c155ad56851197117c1b7dd35e949ccde9b149be5c31712dd5b3ae1c1&amp;scene=21#wechat_redirect" textvalue="倒计时！保姑同款金玉满堂增额寿彻底下架停售" linktype="text" imgurl="" imgdata="null" tab="innerlink">倒计时！保姑同款金玉满堂增额寿彻底下架停售</a><br /></span></section><section ><br /></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section></mpprofile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="text-align: left"><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>