Is loan insurance safe in China?

Personal loan insurance such as Dida Guarantee Loan is a formal platform institution, which is completely legal and compliant.

I. Dida Insurance Company

China Dida Property Insurance Co., Ltd. is a national property insurance company established by China Reinsurance (Group) Co., Ltd. as an investor and main sponsor. The company was established in June 5438+1October 65438+May 2003 with a registered capital of RMB151.1591898.6 billion yuan, and its headquarters is located in Shanghai.

As the only property insurance company directly under the China Re Group Corporation, China Dida Insurance has achieved leap-forward development since its establishment 16 years ago, creating a "land phenomenon" that makes the industry sit up and take notice. The company has set up 36 branches and 1 business department, with more than 2,000 institutions in five levels, and a national service network has been formed. New york Representative Office was successfully established.

Second, the security of land insurance loans.

In terms of security, personal loan insurance such as Dida Guarantee Loan is a formal platform institution, which is completely legal and compliant. Dadi Excellent Loan is a personal loan brand launched by Dida Property Insurance Company, which belongs to the background of state-owned enterprises. This excellent credit guarantee is the main product of personal loan. As long as customers switch to credit cards, they can apply for insurance. The maximum insured amount can reach 300,000, and the loan issued by Dida Cooperative Bank can be obtained in 30 seconds at the earliest. As long as the customer's credit card credit is good, it is not only safe and reliable, but also the loan time is very fast, which can be said to be seconds.

This excellent credit insurance product launched by Dida Time Loan Insurance Company is mainly aimed at people with credit cards. You can apply for personal loans, without any mortgage, without complicated data review, and the review speed is fast, which is very suitable for businessmen who are short of funds.

The underwriting amount ranges from 20,000 to 300,000, which is also linked to the credit card amount. The monthly interest rate is between 0.6%- 1.4%. The applicant only needs to have at least one credit card in his name and one credit card that has been in operation for more than three years and has not been cancelled, as long as the credit line is above 10000 yuan, and the credit card in the applicant's name is good and the repayment is normal. This online loan product is still relatively reliable. Since its launch, this product has attracted the attention of credit card holders, and a formal and reliable product is still worth choosing.

Dida Insurance launched "SME Mortgage Guarantee Insurance" to underwrite the credit of enterprises themselves. If the enterprise maliciously defaults or is unable to repay the bank loan, the bank will auction the mortgaged materials. If the collateral is insufficient to repay the loan, the insurance company will repay it on its behalf. Therefore, enterprises can increase the amount of loans to banks by taking out this kind of insurance.

The premium rate of this type of insurance is 2% of the insured amount, plus the bank interest of the loan, and the total financing cost does not exceed 10%. This kind of insurance is actually equivalent to the insurance company playing the role of a guarantee company, providing credit guarantee for the bank loan of the loan customer.