买MIP 对 屋主会有什么好处？除了可以签到银行的贷款。

对于MIP (房贷保险) 我的理解是： 如果发生意外情况，银行能从保险公司那里拿回屋主没还完的贷款，同时把债权转移到保险公司。 屋主还是要继续还完贷款，区别只是还给保险公司而不是银行。 银行这时已经全身而退了，但是屋主的债务还是一样。 所以我觉得mip 对屋主没有任何好处。 不知我的理解对不对。

https://abs.org.sg/docs/library/faq_fire_insurance_20140410.pdf
第3题。我贴在下面，有兴趣的话可以看看。 虽然我还是觉得对屋主不公平，但银行如果非要买貌似屋主也没有办法。
非常感谢 大叔 和 x4 的踊跃讨论！

3. What is a Mortgagee Interest Policy (MIP)? Why do I have to take up a MIP when there is a
MCST policy?
If the condominium unit is mortgaged, the bank may require the borrower to take up a MIP, which
generally protects the outstanding loan amount and allows the bank to claim up to the loss amount,
the sum insured or the building reinstatement value (whichever is the lower) following the damage.
However, not all banks require their customers to take up a MIP.
As part of the terms and conditions for taking up the housing loan to purchase the property, you have
agreed that the financial interest of the lending bank would be protected by insurance should any
damage and loss occur to the mortgaged property.
As provided under the Building Maintenance and Strata Management Act, the insurer who has made
the payment to the bank to discharge your loan, either fully or partially, will take over as the
mortgagee or will be added as a sub-mortgagee respectively. You will continue to repay the
outstanding loan:
(a) to the insurer if the amount of the claim equals the amount necessary to discharge the
mortgage; or
(b) to both the bank and the insurer if the amount of the claim is less than the amount required to
discharge the mortgage. There is no double coverage.

按文中讲的，屋主要继续还 outstanding loan 不是吗？ 屋主的债务并没有因为保险公司对银行的赔付而豁免或扣除赔偿部分。只是债主从银行换成保险公司而已。 是这样理解没错吧？

不管想从银行贷款就得按银行的规定来，也无所谓公平不公平。

而且如果你问banker 合同里的那个MIP是什么保险。 Banker 一般开始会跟你说那是fire insurance to protect your home。
开始发现这个问题时觉得banker 好无良。 现在想想如果横竖都得买，banker 这么说可能是让人心理上好接受一点。