房貸壽險請教 - 保險
By Yedda
at 2023-03-28T22:01
at 2023-03-28T22:01
Table of Contents
各位先進好
1. 小弟房貸設定30年期,銀行那邊給的房貸壽險只給20年,評估過萬一在10年後有發生
意外,保險金清償貸款後,家人一樣無法負擔房貸。
2. 由銀行承保的房貸壽險理賠金,會優先給銀行償還房貸,家人在資金的調度上較無彈
性。
請問房貸壽險是否一定要跟貸款銀行承保?是否可以找其它保險公司保遞減型壽險做30年
期?理賠金的受益人優先給家人,由家人決定要拿去清償部分貸款,還能留一點錢在身邊
調度。
感謝各位
--
1. 小弟房貸設定30年期,銀行那邊給的房貸壽險只給20年,評估過萬一在10年後有發生
意外,保險金清償貸款後,家人一樣無法負擔房貸。
2. 由銀行承保的房貸壽險理賠金,會優先給銀行償還房貸,家人在資金的調度上較無彈
性。
請問房貸壽險是否一定要跟貸款銀行承保?是否可以找其它保險公司保遞減型壽險做30年
期?理賠金的受益人優先給家人,由家人決定要拿去清償部分貸款,還能留一點錢在身邊
調度。
感謝各位
--
Tags:
保險
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