【中文版】

保单贷款条款是指保险公司向保单持有人提供的一种贷款服务，其条款通常包括贷款金额、贷款利率、还款期限以及违约责任等内容。

首先，保单贷款条款的贷款金额通常不得超过保单现金价值的80%，这意味着保单持有人需要确保保单的现金价值足够高，以便获得足够的贷款金额。

其次，贷款利率通常按照市场利率进行设定，因此保单持有人需要承担市场利率变动的风险。同时，如果保单持有人未能按时还款，保险公司可能会采取相应的追偿措施，包括收取违约金等。

此外，保单贷款条款通常会规定还款期限，通常为6个月至5年不等。在还款期限内，保单持有人需要按照约定还款方式进行还款，通常为按月等额本息还款。如果保单持有人无法按时还款，保险公司可能会采取相应的措施。

最后，如果保单持有人违反了保单贷款条款，例如未能按照约定用途使用贷款、未能按时还款等，保险公司可能会要求保单持有人承担相应的违约责任，例如要求保单持有人一次性偿还全部未还款项、提前终止保单等。

总之，保单贷款条款是保险公司为保单持有人提供的一种金融服务，但在使用该服务时，保单持有人需要仔细阅读相关条款，特别是贷款利率、还款期限和违约责任等关键条款。

【英文版】

Policy loan terms refer to the loan services provided by insurance companies to policy holders, and typically include loan amount, loan interest rate, repayment period, and liability for breach of contract.

Firstly, the loan amount provided under the policy loan terms usually cannot exceed 80% of the policy's cash value, which means that policy holders need to ensure that the cash value of the policy is sufficiently high to obtain a sufficient loan amount.

Secondly, the loan interest rate is typically set based on market rates, so policy holders need to bear the risk of market interest rate fluctuations. At the same time, if the policy holder fails to repay on time, the insurance company may take corresponding recovery measures, including collecting penalties.

In addition, policy loan terms typically stipulate a repayment period, usually ranging from 6 months to 5 years. During the repayment period, policy holders need to repay in accordance with the agreed repayment method, usually monthly equal principal and interest repayment. If the policy holder is unable to repay on time, the insurance company may take corresponding measures.

Finally, if the policy holder breaches the policy loan terms, such as failing to use the loan for the agreed purpose, failing to repay on time, etc., the insurance company may require the policy holder to bear the corresponding liability for breach of contract, such as requesting the policy holder to repay the entire outstanding balance at once or terminate the policy in advance.

In summary, policy loan terms are a financial service provided by insurance companies to policy holders, but when using this service, policy holders need to carefully read the relevant terms, especially key terms such as loan interest rates, repayment periods, and liability for breach of contract.