在贷款担保保险中,由于房贷险的赔付率低、利润率大,因此曾一度得到保险公司青睐。但随着今年3月央行上调房贷利率,许多房主选择了提前还贷,还贷退保风潮让保险公司的这串甜葡萄开始慢慢变酸,随之而来的是各方对房贷险种种弊端的质疑声。于是,改造房贷险成为一些财产保险公司眼下紧锣密鼓筹划的事情。 In the loan guarantee insurance, due to the low rate of loss of mortgage insurance, profit margins, it was once favored by insurance companies. However, with the central bank raising the mortgage interest rate in March this year, many homeowners opted for repayment in advance. The surrender of the loan repayment led to a gradual souring of the insurer’s sweet grapes. As a result, The kind of malpractice. As a result, the transformation of mortgage insurance has become a number of property insurance companies nowadays intense planning.