The room is borrowed danger is not compulsive already pay
According to 21 centuries Qi Fan of manager of department of market of praedial Beijing region introduces, silver-colored 2006 inspect can allot an announcement to stipulate the room is borrowed take freewill pay nearly, enforce no longer turn over to the higher authorities; Housing accumulation fund borrowed money 2007 also instead is freewill pay. Some clients know the room borrows the existence of danger far from, and known client mostly ignored, accordingly, the person buy a house that loan buys room pay insurance premium is few.
The reporter seeks advice from many insurance company to understand, housing insurance includes housing property insurance and individual mortgage loan to be sure commonly. Because deadline of individual loan business is longer, variable may appear in the center, bank hope borrower repays in what loan can guarantee when insolvent loan, and borrower hopes this one safeguard can make its retain house property, because this introduced housing loan insurance: Amount of insurance of insurance premium ＝ (namely total house price) time limit of insurance of × premium rate × . This occurrence that plants nearly, make the bank is in have when still shifting risk, can get compensate pays, and after policy-holder be or get out of danger insurable housing is produced.
Additional as we have learned, the limits of insurance manage compensate that the room borrows danger product is the object in fire, explosion, sky to fall more bring about a building to damage, person accident, do not include an earthquake. Unless the client asks strongly to throw seismic narrow pass, can add on the foundation of belongings danger patulous clause. Generally speaking, of add earthquake clause it is enterprise or unit more, basically be to be aimed at office building or hotel. The insurance cost on the high side of seismic danger, and not all insurance company has seismic danger product.
Other house danger still has 4 kinds
Wait for professional through consulting insurance company of insurance company of People's Insurance Company of China, Pacific Ocean and China peaceful property, the reporter understands, the room that pays close attention to besides everybody is borrowed besides danger, the insurance form that involves housing at present still basically has 4 kinds.
The building is safe: Belong to category of domestic property insurance, the building loss that the natural disaster such as main safeguard fire, explosion, be struck by lightning and contingency cause. The house is safe and average by house advocate or resident is cast protect, premium rate is the 0.1%-0.2% of building total value, when producing a loss, insurance company is worth computation to compensate for by the real value of the building, but with exceeding insurance amount in the limit of.
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