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购房贷款人寿保险是指保险公司专门针对个人购房信贷风险设计的、目的是为了防止贷款者在偿还贷款期间因遭受意外或者疾病导致身故或高残而失去还款能力等风险发生的保险。在国外,购房贷款保险已相当普及。但在国内,由于过去采用福利分房制度,开发此类保险既无必要也无市场。随着住房制度改革的进一步深化和商品房制度的全面推行,开发此类保险已成为必然之势。
Home purchase loan life insurance refers to the insurance company designed specifically for personal home purchase credit risk designed to prevent borrowers in the repayment of the loan due to accidents or illness leading to death or high residual loss of ability to repay the risk of insurance. In foreign countries, home buyers loan insurance has been quite popular. However, in the country, the development of such insurance is neither necessary nor market-based due to the past adoption of the welfare housing distribution system. With the further deepening of housing system reform and the full implementation of commercial housing system, the development of such insurance has become an inevitable trend.