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Data:2009-12-12 2:34
According to "Beijing Daily Messenger reported that the central bank's March 17 rate hike to make a paper on the use of loans for home buyers is undoubtedly part of the re-aggravated a burden. The industry estimates home loans interest rates have further to rise. In this case, some buyers have been or are intended to advance beginning to pay off home loans, the resulting prepayment refund of premiums after the issue has again aroused the concern of buyers.
Miss Lee in 2003, bought a house, to the bank loan 20 million loan for 20 years, while Miss Lee also delivered nearly 1,000 yuan insurance premium. Recently, a one-time Miss Lee intended to pay off the loan principal and interest, then the insurance premiums related to how the retreat could retire how much?
How to handle the surrender procedures
To concerned parties, buyers who would pay to the Bank within the remaining period of the loan principal and interest under the premise to get the bank loan department, said it had issued the loan that was repaid in full, and get back the original mortgage in the bank's policy After the surrender procedures may apply to the insurance company. Underwriting insurance company to recover the original and to verify, you can return the insured person's insurance costs. Need to be explained that the buyers who have obtained non-refundable insurance fee, you must also bring proof of identity and agents.
How much can get back the premium
It is understood that, due to the various insurance companies in regard to surrender charges different rates and the relevant standards, so even if the loan amount, or premium, as buyers who would refund the premiums received there are differences. To an insurance company, for example, the company's procedures for handling surrender, we should deduct 5% of the fee. Also provides insurance in 2004, after the deduction of 15% -20% surrender charge. Therefore, the insurance company should be returned to Ms. Li premiums as follows:
Premium = the loan amount to be returned to 200,000 yuan rate × × 0.3 ᾿surplus "surrender" coefficient (15.87) = -5% of the 904 yuan fee.
Note surrender
Of course, although premiums may be back, but a one-time buyers who would pay off the loan, the housing insurance beneficiaries by bank transfer into the buyers themselves. Therefore, if housing is in the insurance period, the subject of the agreement met the insurance situation, buyers who will be compensated accordingly. In addition, buyers who surrender before the insurance company about the best prior consultation with the relevant procedures required to apply for surrender, as far as possible a good one-time handling procedures.
