Category: Insurance tips Release Date: 2006-08-01
Mere existence a one-time buy a house, for wage earnings, the help being somewhat difficult. "Home mortgage"? ? ? Loans from the banks buy a house, most people's first choice, may be the face of the housing with home mortgage insurance, but many people are not so familiar with. According to the survey, ordinary people, 65% of people do not know the role of buyers of insurance; 80% of people do not know the insurance terms of content, coverage, exclusions and claims procedures.
According to statistics, Shenzhen, individual housing loans nearly 20 billion yuan. While the growing momentum of the loan is gratifying, but industry insiders say, financial security issues have emerged. Alleged that many European financial institutions, by claiming to do mortgage business huge losses. How a precautionary measure, the housing loan market must be carefully pondered.
Allegedly, at present, "mortgage insurance" insurance is that we purchased through a bank mortgage houses. When it is due to wind, fire, mines, electricity, and many other insurance within the responsibility of the accident loss, the insurance company will have to compensate for the loss. This makes bank funds with the mortgage + insurance, the "double protection", can mobilize the enthusiasm of bank lending to promote housing development, and social good. It is understood that this insurance last year, Pacific Insurance Company had more than 5 million yuan of revenue.
Reportedly, the "housing renovation loan guarantee insurance co-operation agreement" had been made earlier by Hua An Insurance and Industrial and Commercial Bank of China Shenzhen Branch signed. Since then, the banks provide loans for personal consumption will ease the wage floor "for the floor" after renovation stress. It is understood that any account with the Shenzhen City, with regular work, the need for owner-occupied housing renovations of consumers may apply for the loan, and for the national civil service, housing renovation loans and insurance, and more preferential terms.
Meanwhile, the increasingly sophisticated market has made to the Housing improvement and development of the insurance requirements, also made a loan of credit guarantee insurance, credit life insurance and related comprehensive insurance diverse voices.
Market, said the current "mortgage insurance" fully took over the bank risk. As the main beneficiaries of the banks have no commitment to pay a certain degree of responsibility, do not form a total risk of the situation is not conducive to the further development of housing insurance. According to insiders, the West Bank in general should be held not less than 20 percent-of-pocket responsibility.
The market said that the current lack of collateral when the borrower's housing and make the necessary disposition of a sound legal basis for terms and conditions.
Market, said that housing the basis for calculating premium rates and terms are to be perfected.
At the same time there are regular consumers of belonging to the scope of housing insurance, property insurance, to apply for a loan buyers interests to be considered small, that pay the premiums of people who lack proper protection. As a result, some experts have recommended that: the possibility of taking a joint approach to life insurance products in the mortgage insurance, the right lender to give the corresponding life meaning. At the same time tap the potential of property insurance, an increase from the perspective of civil compensation liability insurance and other content, in case the borrower repay the loan when an accident is difficult, you can also have life insurance to supplement the content.
In addition, there are more industry insiders believe that if efforts to reduce the total cost of house purchase costs, will attract more buyers of ordinary people to join the ranks of the insured.
