Dbs房贷搭了msig的保险，我可以说不吗

天涯第二牛人

仔细读了房贷的offer letter，其中有一款说保险公司可以从我账户里扣款，还有一份同意书，我可以不买吗，还是说这属于强制搭售？

_用心聆听_

得看具体保险的情况，也不是每个保险都是不好的或者是不需要的啊。

MSIG的这个，可能是保障房子内部装修家具以及其他财产险的，如果是最基础的保单，每年保费120块左右吧。

你需要弄清楚这个几个事情：
这个保险是不是跟贷款捆绑的？
如果可以不要，是不是会影响贷款利率？
如果必须要，是不是可以选择最基础的保单？


题外话：
必要的保险还是需要的，例如贷款买房以后可以考虑增加自己的人寿保障，万一发生不幸以后，家人可以用多出来的赔付款支付剩余的房贷，把房子可以留下来继续居住，对于这个可以投保贷款保障保单，或者普通的Term人寿保单都行。

房屋财产险以及第三方责任险，就像上面MSIG这个类似的保单，可以保障由于火灾、入室盗窃等原因造成的财产损失以及其他人在我们家里受伤以后需要赔付的第三方责任险。

天涯第二牛人

_用心聆听_ 发表于 12-8-2017 10:03
得看具体保险的情况，也不是每个保险都是不好的或者是不需要的啊。

MSIG的这个，可能是保障房子内部装修家 ...

应该是包括了火险和mortgage insurance，问题是这份acceptance是放在我offer letter里的，是不是我一定要签字呢？
不过offer letter里也提到我可以买别的保险，但要得到dbs的同意。

火险我觉得买一些也还行，mortgage insurance我是真不想买，请问我该怎么和banker谈呢，直说吗？我关键是想知道，不买的话银行是否允许，我本身是可以承担不买的后果的。

_用心聆听_

天涯第二牛人 发表于 12-8-2017 12:32
应该是包括了火险和mortgage insurance，问题是这份acceptance是放在我offer letter里的，是不是我一定要 ...

如果是贷款保险，应该是Manulife的吧。

直接谈咯，看贷款条款怎么写的。

我有客户是自己投保的人寿保险，没有投保单独的贷款保险（其实这个也是人寿险）。

天涯第二牛人

_用心聆听_ 发表于 12-8-2017 12:41
如果是贷款保险，应该是Manulife的吧。

直接谈咯，看贷款条款怎么写的。

条款是这样的，只是说让我买单，没写太具体。
You are required to take up insurance of the Property (the ''Property Insurance'') with MSIG
Insurance (Singapore) Pte Ltd (''MSIG''), or any other insurer approved by us, with the scope and
amount of coverage to be determined by us, and which is to take effect from the date of the first
release of the Facility or the date of issue of the TOP, whichever is later.
Unless otherwise stated or agreed between us, the Property Insurance shall be a Mortgage Interest
Policy (''MIP'') or a Houseowner Policy. MIP is required if the Property is governed by the Building
Maintenance and Strata Management Act and is an apartment or unit forming part of an entire
development with the Management Corporation Strata Title (''MCST'') status on the development
having been attained. A Houseowner Policy will be required if the Property does not qualify for an
MIP based on the aforesaid conditions or if the MCST detail is not provided to us.
The insurance premium for the Property Insurance shall be borne by you. We shall be entitled to
debit the insurance premium from your bank account with us until your mortgage of the Property to
us is fully discharged.

小五

还是买吧, 这个MSIG是负责火险结构的, 目前和银行贷款只有OCBC不强制要求, 但文件里也提到万一出现火灾, 银行有权根据火灾导致的估值下降而要求贷款人提前还贷款到新估值的相应百分比, 不过楼主可以问下自己的保险经纪是否有做该火险, 毕竟银行卖的保险一般到索赔的时候其实都是客户自己和该保险公司联系(因为合作关系不是永久的), 而银行在意的是你要有一份火险而已(保护他的抵押物)

天涯第二牛人

小五 发表于 12-8-2017 13:04
还是买吧, 这个MSIG是负责火险结构的, 目前和银行贷款只有OCBC不强制要求, 但文件里也提到万一出现火灾, 银 ...

如果只是火险的话那还行，我看每年好像就100出头的样子，就是怕msig再搭售点别的

_用心聆听_

天涯第二牛人 发表于 12-8-2017 12:50
条款是这样的，只是说让我买单，没写太具体。
You are required to take up insurance of the Property ( ...

这个应该只是火险以及财产险。

Private Residential Property (with MCST)
If your property is a strata-titled development, it is mandatory for your Management Corporation to undertake a master fire insurance policy. The Management Corporation can make a claim on the policy following a property damage and use the insurance proceeds to reinstate the premises and the common area to its original condition. Similarly, this master fire insurance policy does not cover your household contents, personal belongings or any improvements and renovation works that you have made to your apartment.

Mortgage Interest Policy (MIP)
If your property is mortgaged, the bank may require you to take up a fire insurance policy on the outstanding loan. Commonly known as Mortgagee Interest Policy, it is not to be mistaken as a personal property fire insurance. Rather, it is to insure the financial interest of the bank and allows the bank to make a claim if the borrower is unable to service the loan following a property damage. Once the borrower has redeemed his mortgage loan, the Mortgagee Interest Policy will be cancelled.

As a guide, check your home insurance against some of these essential items:

1. Property coverage

    Building structure
    Fixtures & fittings
    Household contents
    Renovations

2. Liability coverage

    Bodily injury
    Third party loss/ damage

These benefit covers are largely featured under MSIG's Enhanced HomePlus policy, with the flexibility given to you to customise the sum insured for the building structure. Premiums start at $118.77 (with GST) per year for a standard plan.


http://www.msig.com.sg/news/news.asp?newsID=3866&pageID=6100&newstype=6140&section=tab42

天涯第二牛人

_用心聆听_ 发表于 12-8-2017 13:28
这个应该只是火险以及财产险。

Private Residential Property (with MCST)

多谢指点。
刚和DBS签好了，的确只是火险，说是每年100多块，叫我不要担心。