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所谓“保费”即保险费或担保费中国人民银行颁布的《个人住房贷款管理办法》规定,为保证住房贷款的安全,借款人必须提供贷款担保。目前贷款担保方式主要有四种:①财产抵押加连带责任保证担保;②财产抵押加购房综合险;③财产质押担保;④连带责任担保。上述第③④种担保方式不再需要购买保险;而第①②种方式则必须购买保险。具体为:
The so-called “premium” that is, premiums or guarantees People’s Bank of China promulgated the “Individual Housing Loans Management Measures” provides that in order to ensure the safety of housing loans, borrowers must provide loan guarantees. Currently there are four loan guarantee ways: ① property mortgage plus joint liability guarantee; ② property mortgage plus purchase insurance; ③ property pledge guarantee; The ③ ④ ④ the kind of security no longer need to buy insurance; and ② ① ② kinds of ways you must buy insurance. Specifically: