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Data:2009-12-12 2:34
An early repayment of loans must pay attention, you can not just and banks dealing with the related insurance rehabilitation would also facilitate you to save a small fortune in a fortune. However, dealings with insurance companies is not how good you play, how the most rational way you have to fight for their rights has become a topic of concern.
Because individuals apply for housing loans must also apply for housing loan insurance, so once the early repayment, and the corresponding mortgage insurance "rehabilitation" work has become a problem. Prepayment can smoothly return insurance?
Loan paid off we go surrender
Pacific Property Insurance Company Shanghai Branch mortgage insurance business, one primarily responsible for introducing to us, when the mortgage lender to pay off the mortgage ahead of schedule, after all, if there were a one-time payment processing mortgage insurance, then you can handle the corresponding surrender procedures, return excess insurance premiums. As long as the issuing bank to carry proof of advance repayment, when the mortgage insurance policy processing original and a copy of the original ID card, insurance invoice, you can go to the time when the insurance company where the branch counter, or when you apply for insurance agents Department to conduct surrender of.
How much money can be back after surrender
As for the mortgage insurance can get back after the surrender how much money? The premium payable is generally the difference with the paid-in premiums of 95%, another 5% as insurance companies dealing with surrender of the fees have been taken away.
For example Mr. Gao in December 2001 to the Industrial and Commercial Bank of China handled a total of 30 million, a period of 15 years, housing mortgage loans, pay a premium of 2436 yuan for the mortgage insurance that should be handled. If this year in December, that is, lending at least 3 years to pay off the loan, when Mr. Gao and the surrender procedures for handling, due to 3-year home mortgage loan insurance premiums per million corresponds to 20.10 yuan, so he's paid-in premiums should be 603 yuan. In other words, Mr. Gao will refund the premium (2436-603) × 95% = 1741.35 Yuan.
If you run into non-integer year, and some insurance companies are on a monthly basis conversion factor multiplied by the proportion of adults to calculate the annual premium; also some insurance companies are less than six months the year, excluding premiums, more than half a year (including six months) according to a for years.
Discount mortgage insurance discount surrender, press operator
Currently taking "wholesale payment of" all persons shall have access to insurance, the insurance discount, then the surrender on the invoice when it was recorded in accordance with the actual payment amount, and then under the "paid-in premiums and the premiums payable for the difference between the 95%" The formula to calculate the premium can be returned.
The responsible person said that because mortgage insurance and loan rates are closely related to age, and one to one, so early loan repayment to go through surrender, if the time after the original policy does not give you additional mortgage insurance rate tables , then the insurance companies now require proof of a certain Yaogen Mortgage insurance rate sheet, so be aware of their own.
Part of the surrender of operating difficulties in loan repayment ahead of schedule
All pay off the loan, and of course, can justly claim to apply for surrender procedures. But it is still out in advance a part of it? Have you ever thought about going to handle the insurance contract, changes to make? Or that the public can go to grounds Variable insurance contracts do?
Interview in Shanghai Insurance Association, the persons concerned, he told reporters ahead of schedule can also change the repayment mortgage insurance the same, but needs to hold the banks of the documentary evidence, Ming you do have some of the early repayment of the housing loans. But to want to open a bank that shows that you have to do a good job preparing the grounds slowly toss, because they might say, "This is not part of our banking business, we have no obligation to be certified."
Therefore, the early repayment of some of the people, surrender may be as a visible but the smell was not to eat the meat, almost impossible. But the money thing, though small, the right to do big ah. Perhaps, they should still fight for what, the past, in a one-time mortgage insurance premium paid, is not shared by the community efforts, from the end of last year are basically into a one-year pay-as-you so! Perhaps in the near future we can see "part of the loan repayment ahead of schedule does not surrender" requirement has been as "King of" abolished.
