个人住房贷款业务中存在着两方面的保险需求,一方面来自借款人,他既需要保障自己不会因不能按期足额还款而丧失对房屋的控制权,又需要在自己的房屋损毁、灭失时获得经济上的补偿;另一方面来自银行,它需要确保抵押房屋的价值能充分担保贷款债权的安全性。 中国人民保险公司精心设计的个人贷款抵押房屋综合保险很好地满足了借款人和银行上述保险需求。该保险包括财产损失保险 There are two aspects of insurance demand in the personal housing loan business: on the one hand, the borrower needs to ensure that he will not lose his control over housing due to the failure to repay full repayments on his own, and also need to destroy or destroy his own home When it comes to financial compensation; the other hand from the bank, it needs to ensure that the value of mortgage housing can fully guarantee the security of loan claims. China People’s Insurance Company well-designed personal loans mortgage housing comprehensive insurance well meet the borrower and bank insurance needs. The insurance includes property damage insurance