How to see the housing according to the insurance housing and the new terms are new?
-------------------------------------------------- ------------------------------ http://finance.sina.com.cn December 04, 2004 17:52 News Morning News Morning News reporter Fan Enji
Speaking of housing sorrow insurance, many people think it is not a "overlord terms": the loan is shy when buying a house, but it is also asked to buy a housing for the bank's designated insurance company, and it is really a suspicion of the bank. Plus the breakdown in the insurance process, the large amplitude is also unpleasant. However, in this incidental handling, Mr. Xu's experience made us re-recognize "housing mortgage insurance". Mr. Xu was unfortunately killed in Baotou's air disaster, but he was insured by his life, "housing mortgage insurance", making Xu's family of 5.58 million claims (ie, the balance of banking to banks). Think about this insurance, otherwise, the top beam of the family poured, how can this big pen loan?
I don't like it, let us take a look at the housing insurance. Please pay attention to the following keywords.
Key words a insurance freedom
Choosing insurance companies is difficult to have freedom, because housing sanners are always "bundled sales".
However, this "bundling" mainly occurs between bank branch and insurance companies. The reporter learned from several banks that there was no designated insurance company at the branch level, and the autonomy gave the following branch. So this happens, the same bank, this branch is working with Ping An, another branch works with the Pacific property insurance. In general, the location of the house has been corresponding to a certain branch, so the loan selection is still very narrow. In case of some branches, it is allowed to choose 1 in several big insurance companies.
According to the latest "Shanghai Personal Mortiest Housing Comprehensive Insurance Terms", the subsidy of housing and mantry is determined according to the loan amount, but it is required to pay all premiums at one time. However, according to the relevant persons of the Shanghai Insurance Association, the city is currently only piloted by the Pacific Property Insurance and ICBC.
Key words two premium discounts
In 2001, the Shanghai Insurance Association has requested the financial insurance company to achieve four major unity, that is, the policy is unified, the charging standard is unified, the internal operation is unified, the calculation method is unified, and the price will never be discounted. However, in order to compete for the housing and sanitary market, the insurance company is still in the discount. By mortgage, the agent can get a discount of 50% off from 50% off, most concentrated at 6-8 fold.
Key words three guarantees
Mrunaining insurance has been considered a risk of low risk, claims small claims, so people will be surprised by this payment of Baotou's air. Ping An Insurance tells the reporter that it is common in housing and sorrow, which has been paid in the housing and mortgage insurance.
In the first half of this year, the first mortgage insurance contract dispute between the country entered the judicial process was finally decided. Ms. Huang was killed by Mr. Shen's death, and the remaining 270,000 yuan of housing loans were obtained from the Tianan Insurance insured by her husband.
The insurance liability of Shanghai housing and loan insurance is much more broad than the past, and it has been extended from a simple property loss to the personal safety of the insured. Because of this, it has also increased the claim of the insurance company. However, not all insurance companies have unified standards when they have claims. Some insurance companies have said that if they have a claim to consider whether the property heir has a payment capability. If so, it may no longer be borne.
Keyword four advance repayment
After the interest rate hike, I was submitted to a hot topic, and some insurance companies were also worried. Because of the housing sancing, you can return the fee after payment. In addition, the insurance company has paid 15% of the fee for 15% to the bank, so that profit stress is naturally increased.
For the insured, it is necessary to pay attention to: Some of the advance repayment will not be reflected. According to the latest provisions of the housing, the insured must "pay a clear" loan bad balance in advance to refund the corresponding premium.
