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根据农总行与太平洋财险和太平保险签下的新房贷险协议,打破了国内银行界惯例,首次允许按揭购房者在贷款买房时,可以选择按年缴纳保费。但有消费者表示,房贷险还是不要强制购买的好。按年缴保费不仅可以缓解借款人的资金压力,还可为消费者节省一笔钱。据介绍,采取年缴方式,在每个还款年度的第一个月,借款人在偿还贷款本息的同时,由农行统一扣收当年保险费。每年保费收取标准以贷款余额来计算,随着需要归还的贷款额越来越少,相应的保费支出也会越来越少。总体算下来,比一次性缴纳保费将节省一笔不小的开支。据估算,平均每位购房者按年缴费所需费用,仅为一次性付清方式的50%左右。
According to the Agricultural Bank of China and Pacific Insurance and Pacific Insurance signed a new mortgage insurance agreement, breaking the banking practice in the country, for the first time allowing mortgage buyers to buy a house in the loan, you can choose to pay annual premiums. However, consumers said mortgage insurance or not to force the purchase of good. Annual premiums can not only ease the financial pressure on borrowers, but also save consumers a sum of money. According to reports, the annual payment method, in the first month of each repayment year, the borrower repay the loan principal and interest at the same time by the Agricultural Bank of uniform deduction of the current premium. Annual premiums are calculated on the basis of loan balances, with fewer and fewer loans to repay, resulting in fewer and fewer premiums. Overall, the one-time payment of premiums will save a fortune. It is estimated that the average cost per buyer per annum fee, only one-time payment of about 50%.