In 2023, the Housing & Development Board (HDB) introduced the HDB Flat Eligibility (HFE) letter, a significant change to streamline the process of buying both new and resale HDB flats in Singapore. This letter not
Mortgage insurance in Singapore is an important financial product that homeowners should really consider. This type of insurance is designed to help ensure that your family won’t lose the home if you unexpectedly pass away
Becoming a homeowner is a significant life achievement. In Singapore, if you’re purchasing a Housing and Development Board (HDB) property and planning to use your Central Provident Fund (CPF) savings for monthly loan repayments, the
Subscribe to our Telegram & Email Newsletter for immediate updates! 在最初决定是否购买保险时，了解您需求的最佳选项可能需要时间。因此，在本文中，我们将涵盖抵押贷款和期限保险之间的区别，以便您知道哪一个适合您的需求。 购买房屋是您一生中最重要的投资之一，因此有正确的保护很重要。您是否曾经想过，如果您出了事，替换房屋或偿还抵押贷款的费用会有多少？您的家庭未来呢？抵押贷款或期限保险是保护您的家和家人的好方法。这也是获得您需要的保障，价格合理的好方法。但是抵押贷款与期限保险有什么区别。 抵押贷款保险是什么？ 如果你有抵押贷款，抵押贷款保险可以帮助保护它免受死亡和残疾的影响。此外，如果你或你的配偶出了事，这可以帮助你避免被收回房产，这样你就不必担心如何按时付款。 在新加坡通常提供为抵押贷款减额保证（MRTA），保险的保险金额相当于抵押贷款金额的保险金额，即财产所有者。这个数额会随着时间减少-因此得名-根据贷款金额和利率。您可以将抵押贷款保险视为备用计划，因此您的亲人始终有住所，在意想不到的情况下不会被住房债务负担。在不幸的事件发生时，抵押贷款保险支付抵押贷款余额。抵押贷款减额保证的一些例子是NTUC Income Mortgage Term和Tokio Marine Mortgage Protection。 在新加坡是否强制投保抵押贷款保险？ 对于HDB(政府组屋)业主，使用CPF储蓄资助住房贷款的人必须投保抵押贷款保险。这被称为住房保护计划（HPS），是一种抵押贷款减额保险，在有索赔的情况下清偿住房贷款。 对于使用现金购买HDB公寓的HPS，也非常鼓励。但是，只有带有MRTA或其他涵盖住房贷款清偿期的保险的HDB业主才免除。这表明抵押贷款保险对新加坡政府的重要性。 HPS不适用于私人财产所有者。他们可以独立购买抵押贷款保险。所以不，虽然它不是所有人都必须的，但它确实对所有业主有益！ “期限保险”是什么？ 这是一种保险类型，在指定的期限内，保险公司将在特定事件发生时（通常是被保险人死亡）支付保险金。期限保险通常用于保护被保险人的家庭或生意，以便在被保险人突然离开时，家庭或生意能够获得资金来支持他们。 期限保险是一种保险保障计划，在规定时间内提供保障，并设有保额。如果被保险人在保障期内发生意外死亡或终末病，就会有一笔赔偿金。如果一切顺利，保险在某个年龄终止保障，终止时没有成熟价值。一些例子包括Singlife与Aviva期险和AXA期险保护者。 有些人认为循期寿险比抵押贷款保险更有吸引力，可以保护他们的住房投资。因此，在决定两者之间时，我们可以考虑三件事： 期限保险 VS 抵押贷款保险? 1. 保险的受益人是谁?
Subscribe to our Telegram & Email Newsletter for immediate updates! Buying a home is one of the most significant investments you’ll make in your lifetime, so it’s important to have the right protection in place.
Subscribe to our Telegram & Email Newsletter for immediate updates! Regarding HPS The Home Protection Scheme – an insurance scheme under the CPF Board – prevents the loss of HDB properties in the event that
Subscribe to our Telegram & Email Newsletter for immediate updates! The NTUC Income Mortgage Term is a low cost term insurance good for covering for mortgage, as well as reducing sum assured liabilities for loans,
Imagine you just bought your dream home and it took you years to save up for it. After spending a sum to renovate it, you are so excited to finally move in with your family
Tokio Marine Mortgage Protection is a Mortgage Reducing Term Insurance without any cash value, purposed for mortgage coverage protection in the event of Death & Total Permanent Disability (TPD) and is catered to those who
This product has been withdrawn January 2021 HSBC Life Decreasing Term Assurance is a Mortgage Reducing Term Insurance without any cash value, purposed for mortgage coverage protection in the event of Death & Total Permanent
This plan has been withdrawn and no longer available. The Aviva MyProtector – Decreasing is a Mortgage Reducing Term Insurance that is part of Aviva’s MyProtector Series of Term Insurance plans. The main purpose for
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