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Data:2009-12-12 2:34
End of the year, many homeowners are contemplating belongings in preparation for early settlement of housing loans to avoid bank to bear the heavy debt service obligations. However, experts advise homeowners, after the loan is repaid in advance, do not forget to apply for a refund before the insurance company to pay part of the insurance.
It is understood that many homeowners are not sure you can apply for a refund, after early loan repayment insurance, which let some unscrupulous intermediaries can take advantage of, the customer's insurance money pocketed. If the owner companies of mortgage loans through intermediaries, in order to save time and convenience, are usually handled commissioned notary, so that intermediary agents to the cumbersome procedures, the need for more procedures for agents, owners, sign powers of attorney often ignored a number of small Terms such as "surrender to the insurer and other related procedures and collect insurance money," This is tantamount to homeowners insurance premiums will be back in the hands of an intermediary company. If the owner does not know in advance would be recovered after the loan repayment insurance, while the intermediary companies to hide another heart, then this insurance it is very likely to intermediary companies pocketed the.
Department of Han mortgage experts reminded the public to be careful when signing commissioned notary commission to see all the terms, do not easily give others their rights. At present, many intermediary companies power of attorney has a uniform format, but if the owner of the object to the terms of the above, it can propose its deletion. Such as the above-mentioned "surrender to the insurer and other related procedures and collect the insurance payment" procedures involving money, or the owner in person to apply for safer.
* How to surrender
Under the existing purchase procedures, apply for mortgage loans are required to pay insurance premium, this insurance is generally the first beneficiary bank, but repaid the full amount, the buyers automatically become the first insurance proceeds people. Buyers loan repayment ahead of schedule, the present their positive, a copy of the policy, the banks issued the "repaid shall prove", bank passbook to the insurance company to terminate the insurance contract, demanded the return of part of the insurance. Insurance premium rebates, depending on the calculation of the insurance companies, as well as discounts given by the insured at that time, the specific contents are reflected in the insurance policy.
