Category: Insurance tips Release Date: 2006-08-01
Buyers: How loud noise premiums calculated?
According to Ms. Chen describes her climb up a group of certain real estate Wuhou bought a building area of 86 square meters of housing, housing a total of 23.5878 million yuan, paragraph, and she down payment of 9.5878 million yuan, 140,000 yuan to the bank loan, a 10-year term of the loan, banks designated by insurance companies --- China United Property Insurance Company, Chengdu Branch provided a 10-year mortgages comprehensive insurance, the annual premium rate 0.52 αΎ? China United Property Insurance Company, Chengdu branch is to be charged in accordance with sections in housing, insurance costs, according to age and years of such insurance premium rate, Ms. Chen on November 5 on the paid 1226.57 yuan in insurance costs (calculated as : 235,878 chang 0.00052 = 1226.57 yuan chang 10).
However, Ms. Chen recently again in Chengdu to buy another one, a housing estate, which houses a total section of 22.4550 yuan, Ms. Chen down payment of 10.4550 million yuan, 120,000 yuan loan, loan term of 10 years, the bank designated Insurance Property & Casualty Insurance Co., Ltd. --- Wing provides a 10-year mortgages comprehensive insurance, the annual premium rate but also for 0.52 αΎ? However, Wing Property Insurance Co., Ltd. is the total amount to be charged under the loan insurance costs, according to this, Ms. Chen on October 12 paid 624 yuan on insurance costs (calculated as follows: 120000 chang 0.00052 chang 10 = 624 million).
Different algorithms for the two insurance companies, Ms. Chen was wondering: How do insurance companies really should be a way to calculate the charge buyers of insurance policies? Is based on the Housing section to calculate the total amount of loans to, or in accordance with calculation? Difference between the two algorithms is considerable. If the total amount of loans calculated in accordance with the collection, then climb up a group of her Wuhou a real estate purchased by a construction area of 86 square meters of housing in respect of insurance costs is 728 yuan, and now China United Property Insurance Company, Chengdu Branch is charged 1226.57 yuan, a difference of 498.57 yuan.
Ms. Chan said she purchased the house only a few dozen square meters, less than 100 square meters, if it is to buy a large area of housing or villa, or commercial buildings, this difference between the greater.
Insurance: Multi-Paul has many problems reflected against Ms Chan, phone calls from reporters contacted the China United Property Insurance Company, Chengdu Branch of Miss Xie. Miss Xie told reporters in a telephone, which is based on buyers and insurance companies, the implementation of the contract, the insurance company in accordance with "personal housing mortgage loans comprehensive insurance clause" and the special convention to calculate and collect premiums, the company is in accordance with the Housing section to collect the total fee, which is based on the relevant provisions of the CIRC to implement. Miss Xie said that for home buyers is, of course, hope that premiums received far as possible, but consumers should be aware that the more security the more paid, the premiums paid after the payment, the less the less. And the insurance company to give customers a better quality assurance and services that are related and insurance fee.
The Chengdu another one related to the insurance company told reporters that they are in accordance with the amount of loans to receive the premium, if the housing section to collect the total premium for home buyers is unfair, because housing is the primary beneficiary of the insurance banks, rather than buyers.
Professionals: Mortgage insurance is mandatory for suspected consumption of home buyers issues reflected in an interview with the provincial insurance expert Dr. Yu. Dr. Yu said there is no clear statement requiring the company is based on the total housing loans in accordance with paragraph or to collect insurance costs, which requires buyers and insurance companies in consultation, but now the home insurance are generally designated by insurance companies to banks insurance, in fact, buyers have no right to speak, they should buy a house must be signed in accordance with regulations, there is no room for negotiation, so there is the mandatory housing insurance, consumer consumption of the suspect, not the real buyers are willing to sign such contracts and to pay this premium.
Dr. Yu believes that homeowners insurance companies in accordance with bank loans in order to collect insurance premiums, which may involve insurance companies and banks, profit, and only really focus on the housing insurance market, and instead of the present bank bundled consumption, be possible to give home buyers a real choice.
