After investigation, it was found that the Measures for the Administration of Personal Housing Loans previously promulgated by the People's Bank of China stipulated that if real estate was used as collateral, the borrower should go through the relevant insurance procedures in the house insurance or entrust the lender to handle it before signing the contract. During the mortgage period, the insurance policy shall be kept by the lender. In other words, the insurance required by the policy is "comprehensive insurance for personal mortgage housing", which is an insurance to ensure that the repayment cannot be made normally in the event of an accident, and the policy is kept by the bank.
The personal accident insurance that the bank requires Xiao Li to buy is also to protect the borrower's accidental risk and reduce the risk of the bank. According to the analysis, this kind of bank's behavior of asking lenders to buy additional insurance belongs to tying behavior and is not allowed in policy. Consumers have mortgaged their houses to banks when applying for mortgage loans. Once the borrower can't repay the loan, the bank will have the right to dispose of it, so it is unreasonable to ask the buyers to buy additional insurance. Although insurance also plays a certain role in protecting buyers, under normal circumstances, customers can freely decide whether to buy insurance, rather than compulsory purchase, and use it as a basis for lending.
In addition, because the loan contract is a standard contract, it cannot be changed. If you buy insurance through a bank, the insurance content will not be reflected in the loan contract, and it is impossible to prove that the bank is bundled. Moreover, in real life, many customers usually acquiesce in the behavior of banks in order to get loans quickly. Buyers are advised to ask the insurance requirements of the bank in advance, and they can complain to the relevant departments if they find that tying is compulsory. (Source: Network)
(The above answers were published on 20 17-0 1-22. Please refer to the actual purchase policy. )
Comprehensive and timely real estate information, click to view.