目前各地的个人住房抵押贷款保险正在发生着可喜的变化。 个人贷款购房业务至少需要三类风险保障:一是主要保障房产遭受意外事故和自然灾害毁损风险的抵押住房和财产保险;二是贷款者的定期信用人寿保险,主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下,保证银行能安全收回贷款,贷款者的家人能继续居住;三是抵押贷款购房履约保证保险,主要是当被担保人因为死亡、失业等约定原因无力还贷时,保险公司代 At present, individual home mortgage loan insurance is undergoing gratifying changes. There are at least three types of risk protection for personal loan purchase: one is mortgage-backed housing and property insurance that mainly protects the real estate from the risks of accidents and natural disasters; and the other is the lender’s regular credit life insurance, which is mainly provided by the lender Guaranteeing that the bank can safely take back the loan and the family of the borrower can continue to live under the circumstance of incapacity or death due to illness or accidental injury; thirdly, the mortgage-backed property purchase performance guarantee insurance is mainly implemented when the guarantor dies because of death, unemployment, etc. Unable to pay the agreed reasons, the insurance company on behalf of