【房】现在的房贷配套是不是都要求屋主买个叫 MIP 的保险呀？banker 　一般会说那个MIP是火险。 但我查了一下， 原来MIP 的受益人是银行。 保险公司赔付银行后，屋主还是要继续还房贷给保险公司。 这个保险貌似对屋主一点好处都没有。各位华新大神来说说 是每个银行都要求买吗？还是可以跟银行谈的？谢谢！ 　 (more...)

请教大叔，我的理解哪里不对呀？买MIP 对 屋主会有什么好处？除了可以签到银行的贷款。

私人住宅的火险， 不是有个叫MCST policy 的么？不管贷不贷款都是要买的。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。

找到了ABS 对MIP 的解释：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 insu (more...)