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房贷险,“妨贷”险?

来源: 南方日报网络版     时间: 2019年05月22日 09:39:46
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杭州开酒店发票██【电\微 15813★310971 李先生】【Q; 25880★8054】 ██▓信誉100%,专业100%,选择我们长期合作共赢!公司经百度推广!房贷险,“妨贷”险?

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(  房)(贷)(险)(之)(所)(以)(成)(为)(“妨)(贷)(”险)(,源)(于)(其)(在)(销)(售)(过)(程)(中)(的)(霸)(道)(和)(不)(公)(。房)(贷)(险)(与)(住)(房)(贷)(款)(捆)(绑)(销)(售)(,不)(买)(保)(险)(便)(不)(给)(贷)(款)(,这)(是)(霸)(道)(;借)(款)(人)(买)(了)(保)(险)(,银)(行)(却)(成)(为)(第)(一)(受)(益)(人)(,一)(旦)(抵)(押)(的)(住)(房)(发)(生)(保)(险)(事)(故)(,保)(险)(公)(司)(只)(对)(银)(行)(进)(行)(赔)(付)(。这)(相)(当)(于)(借)(款)(人)(白)(白)(出)(钱)(替)(银)(行)(买)(保)(险)(,因)(此)(不)(公)(。  除)(此)(之)(外)(,在)(保)(险)(公)(司)(和)(银)(行)(的)(眼)(中)(,房)(贷)(险)(还)(有)(很)(多)(“优)(点)(”。比)(如)(,保)(险)(公)(司)(普)(遍)(要)(求)(投)(保)(人)(一)(次)(性)(交)(清)(房)(贷)(险)(所)(有)(投)(保)(年)(份)(的)(保)(费)(,实)(质)(上)(等)(于)(无)(偿)(占)(用)(了)(消)(费)(者)(十)(几)(年)(甚)(至)(几)(十)(年)(的)(利)(息)(收)(入)(;比)(如)(,房)(贷)(险)(合)(同)(通)(常)(只)(规)(定)(保)(险)(公)(司)(对)(暴)(雨)(、洪)(水)(、台)(风)(等)(意)(外)(事)(件)(造)(成)(的)(房)(屋)(损)(毁)(负)(赔)(偿)(责)(任)(,这)(使)(得)(房)(屋)(本)(身)(的)(出)(险)(率)(极)(低)(,造)(成)(有)(些)(保)(险)(公)(司)(一)(年)(只)(进)(行)(一)(两)(起)(赔)(付)(,赔)(付)(率)(几)(近)(为)(零)(;比)(如)(,一)(旦)(购)(房)(者)(“还)(不)(起)(贷)(款)(”,银)(行)(可)(以)(请)(求)(法)(院)(查)(封)(已)(作)(贷)(款)(抵)(押)(的)(房)(子)(。但)(对)(于)(购)(房)(者)(来)(说)(,对)(于)(“还)(不)(起)(贷)(款)(”这)(种)(情)(况)(,购)(买)(的)(房)(贷)(险)(却)(帮)(不)(上)(任)(何)(忙)(,因)(为)(保)(险)(公)(司)(不)(会)(给)(予)(任)(何)(赔)(付)(。从)(这)(一)(点)(看)(,房)(贷)(险)(是)(实)(实)(在)(在)(的)(“险)(而)(不)(保)(”。  正)(因)(为)(房)(贷)(险)(具)(备)(了)(上)(述)(“优)(点)(”,保)(险)(公)(司)(没)(了)(赔)(付)(之)(虞)(,银)(行)(也)(没)(了)(放)(贷)(风)(险)(。于)(是)(,它)(成)(了)(保)(险)(公)(司)(的)(摇)(钱)(树)(,成)(了)(银)(行)(利)(益)(的)(“双)(保)(险)(”,但)(对)(消)(费)(者)(来)(说)(却)(是)(鸡)(肋)(不)(如)(的)(负)(担)(;于)(是)(,房)(贷)(险)(遭)(到)(千)(夫)(所)(指)(,消)(费)(者)(对)(其)(敬)(而)(远)(之)(,提)(前)(还)(贷)(者)(忙)(不)(迭)(地)(退)(保)(,还)(有)(人)(呼)(吁)(让)(其)(尽)(快)(“下)(课)(”……  但)(我)(们)(应)(该)(看)(到)(,对)(房)(贷)(险)(进)(行)(口)(诛)(笔)(伐)(只)(是)(一)(逞)(口)(舌)(之)(快)(,对)(于)(事)(情)(的)(解)(决)(没)(有)(什)(么)(帮)(助)(。或)(许)(我)(们)(应)(该)(弄)(明)(白)(这)(么)(一)(个)(问)(题)(:房)(贷)(险)(如)(何)(就)(成)(了)(“妨)(贷)(”险)(?人)(们)(如)(此)(不)(待)(见)(它)(,是)(不)(是)(在)(于)(最)(初)(制)(定)(某)(些)(规)(章)(时)(就)(过)(于)(“偏)(爱)(”了)(一)(些)(人)(,又)(过)(于)(忽)(略)(了)(另)(一)(些)(人)(,而)(这)(些)(被)(忽)(略)(的)(又)(恰)(恰)(是)(广)(大)(的)(消)(费)(者)(呢)(?网)(页)(新)(闻)(音)(乐)(购)(物)(说)(吧)(共)(找)(到)(257,496个)(相)(关)(新)(闻)(.)!

作者:【龙虎和代理】


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