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贷款保险

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Or the now defunct Federal Savings and Loan Insurance Company - Master CS7h _ jixiecc111g _ in ...

或现在已不存在的联邦储蓄与贷款保险公司-法師CS7h _ jixiecc111g _ 中。。。

There are a lot of problems in the existing housing mortgage loan insurance in China.

在我国现有的住房抵押贷款保险业务中,存在许多问题。

The first part is a summary of housing mortgage loan insurance.

第一部分是对住房抵押贷款保险的概述。

At present, the housing provident fund management center is also with the security company to provide loan insurance.

目前,住房公积金管理中心还与保安公司提供贷款保险

You may want to consider insurance to cover your loans so that if you were to pass away, your loved ones will not be saddled with unexpected debt.

你要考虑贷款保险等,如果你对你故世,你们的亲人不会受到意想不到的债务负担。

Conventional loan mortgage insurance is cancelable under most circumstances once you build at least 20% equity in your home.

传统抵押贷款保险是在多数情况下,只要你把cancelable至少20%的股权你回家。

Conventional loan mortgage insurance is cancelable under most circumstances once you build at least 20% equity in your home.

常规抵押贷款保险是5,311,643在多数情况下,一旦你建立至少20%的股权在你家。

However, the installment form of mortgage insurance is actually not cost-effective, the staff member said that if consumers choose to pay in, pay more than wholesale flower 2-3 into money, when in surrender have to refund the amount deducted at 5% of the fee.

然而,分期付款形式的抵押贷款保险实际上是不符合成本效益,该工作人员说,如果消费者选择的支付,支付超过批发花2-3成金钱,在移交时必须退还的金额扣除5 %的费用。

Personal loans business buyers will need at least three types of risk protection: First, the protection of property suffered major accidents and natural disasters, the risk of collateral damage to housing and property insurance; Second, lenders regular credit life insurance, primarily in the repayment period lenders due to illness or accidental injury of incapacity or death circumstances, to ensure safe recovery of bank loans, loans to family members can continue to live; Third, the performance bond purchase mortgage insurance, mainly because of the death of a guarantor when , unemployment and other reasons can not afford repayment agreement, the insurance companies on behalf of liquidity to banks than debt recovery at the same time exercise the right to receive from the collateral to the policyholder to recover compensation or reparations.

个人贷款业务的买家将至少需要三种类型的风险保障:第一,保护财产遭受重大事故和自然灾害的风险抵押损坏的住房和财产保险;第二,贷款人定期信用人寿保险,主要是在还款贷款期间因疾病或意外伤害的丧失工作能力或死亡的情况下,以确保安全收回银行贷款,贷款的家庭成员可以继续居住;第三,履约保证金购买按揭保险,这主要是因为死亡的担保人时,失业和其他原因不能还款协议,保险公司的名义向银行流动资金超过债务追偿同时行使的权利,接受该抵押给投保人收回补偿或赔偿。

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

不同的风险有不同的保险需求,因此,对于个人贷款购房业务,起码需要三类保险的保障:一是抵押住房的财产保险,主要保障房产遭受意外事故和自然灾害毁损的风险;二是贷款者的定期信用人寿保险,主要保证还贷期内在贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下,银行能安全收回贷款,贷款者的家人能继续居住;三是抵押贷款购房履约保证保险,在这种保险中,保险公司扮演了担保人的角色,向购房人收取一定的保险费作为担保费,并为购房人的经济信用提供担保,当被担保人因为死亡、失业等约定原因无力还贷时,保险公司代其向银行清偿余债,同时行使追偿权,从抵押物中得到补偿或向投保人追回赔款。

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