购房贷过款的人都知道,在办理住房抵押贷款的同时,必须购买“住房抵押贷款保障计划”保险。因为大部分人都是按部就班地每月按时足额还款,所以这个保险好像与自己几乎没有关系一样,也就是为贷款多交一笔费用的感觉。实际上,这是银行为了预防贷款人还不了贷款,强制贷款人购买的一种保险,主要目的就是当贷款人因某些规定的原因无法还款时由保险公司承担还贷责任,避免银行损失。 People who buy a mortgage loan all know that while handling a home mortgage loan, you must purchase a “home mortgage loan guarantee plan” insurance. Since most people pay their monthly repayments on a monthly basis, this insurance does not seem to have much to do with the fact that it is more of a fee for a loan. In fact, this is a kind of insurance that a bank buys a lender to prevent a loan from being purchased by the bank. The main purpose of the lender is to take the repayment responsibility of the insurance company when the lender can not repay for certain reasons, so as to avoid bank losses .