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在央行两次提高房贷利率后,消费者提前还房贷引发退保潮。保险公司在退保时要将未到期责任年限的保费全额退还给客户,但之前交付给银行的手续费却无法收回,所以房贷险业务不再稳赚不赔。据了解,由于房贷险的出险率和赔付率一向甚低,一直以来被保险公司视为优质险种,也曾是各保险公司争夺的焦点。央行两次提高房贷利率后,假如是50万元的贷款,每月的还
After the central bank twice raised interest rates on mortgages, consumers pre-mortgages triggered surges in surrender. Insurance companies in the surrender to the unexpired service life of the full amount of the premiums returned to the customer, but previously delivered to the bank fees are unable to recover, so mortgage insurance business no longer lose money. It is understood that due to the risk rate of mortgage insurance and the loss rate has always been very low, has been insured as a high-quality insurance company, has also been the focus of competition for insurance companies. After the central bank twice raised the mortgage interest rate, if it is a loan of 500,000 yuan, the monthly repayments will be made