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 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.
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.
Huasing Association 1999 - 2013