请教关于Home Protection Scheme的问题

suyusuyu

请教童鞋,我上个月去hdb first appoinment,然后去律师楼,他们说要买这个保险,因我老婆没cpf,要求我买100%,每年八百多,我老婆没有是0%,而且也不能用我老婆cpf交房屋贷款,请教各位高手,,保险费是怎么算出来的,且后面我老婆有cpf是不是可以买且把保险的份额更改

zetachenyue

按照你的年龄和贷款额度来衡量的，cpf网站有具体价格。这个保险每年可以从cpf账户里扣。因为你有贷款。说的难听点，如果你过世了。谁来承担房子余下的贷款？政府是不会冒这种风险的。所以保险强制买，可以是cpf局的，也可以是银行的。看你自己选择。两个人相加一定要是100%cover你的贷款额。你老婆是0，所以你必须要买100%。

zetachenyue

顺便说一下，你一个人800多还真挺贵的。不知道是你年纪比较大呢还是贷款额比较高。。。。。

good99

保险费是市场价格，跟贷款数额和年龄职业有关。800，应该是50万？！

suyusuyu

谢谢,对呀,就是很贵,我贷了三十多万,这个保险费是怎么算出来的,且后面我老婆有cpf是不是可以买且把保险的份额更改

zetachenyue

有钱人呀，30多W。。。。。。。。

rockpp

可以买50%的。看你怎么想了。
具体可以去CPF网站查。各个私人保险公司也有的。打个电话问问就是了。

schemer

suyusuyu 发表于 19-7-2011 12:55
谢谢,对呀,就是很贵,我贷了三十多万,这个保险费是怎么算出来的,且后面我老婆有cpf是不是可以买且把保险的份 ...

HPS是用来保障你的贷款的。就是说，在你失去收入或者不在了的情况下，帮你的家庭继续付房贷。

单纯从价格上来说，每年800多，保障30多万，不算贵啊。我的每年600左右，贷款额也是30多万，不过你应该比我年纪大吧。

如果你现有的保险提供了足够的保障的话，那么你可以申请免除HPS。

王者风范

首先，不同的是，HPS 可以用CPF -OA  来付。其他的银行或保险公司，都是用现金交的。

You have to be insured under HPS if you use CPF savings to pay your monthly housing instalments under PHS. HPS will give you protection up to age 65 or the end of the loan period, whichever is earlier. In the event of permanent incapacity or death, the Board will pay up the outstanding housing loan if you are covered for the full housing loan so that your family can keep the flat. Otherwise, the Board will only pay up to the amount you are covered for.

If you have a private life or mortgage reducing insurance which is sufficient to cover your outstanding housing loan, you may apply for exemption from HPS. The above also applies if you are paying the housing instalments under PHS. HPS is optional only if you use cash to pay your monthly housing instalments.

这个保险一定要有，你可以选择HPS 或者其他的保单，只要能保障到贷款额就可以了。

The premium is calculated based on the following factors:
- Outstanding housing loan on the flat
- Loan repayment period
- Type of loan (concessionary or market rate)
- Sex and age of the member

Premiums are generally higher for loans of larger amounts or longer repayment periods. The premiums would be lower for younger persons and females.

Your share of the HPS cover should at least match the proportion of the monthly housing instalment which is payable with your CPF savings and/or cash.

If you are the only person paying the monthly housing instalments, you should be insured for 100% of the loan.  

If you are paying 80% of the monthly housing instalments, and your co-owner the remaining 20%, you should be insured for 80% of the loan and your co-owner, 20%.

Example:

Monthly housing instalment = $ 1,500. You are using $1,000 from your CPF and $200 cash, while your co-owner is paying $300 from her CPF to service the loan.
Your share of the cover should be at least:         

$1,200 / $1,500 x 100% = 80%

Your co-owner's share of the cover should be at least:

$300 / $1,500 x 100% = 20%

Note: The total share of the cover per household should add up to at least 100%.
https://www.cpf.gov.sg/cpf_trans/ssl/bo/hps_inp.asp 这个网站是计算保费的，你可以看一下。