当前,有些地方的银行机构在办理房屋按揭贷款的过程中存在不合理搭售“房贷险”现象。一是存在变相“强买强卖”现象。消费者在办理贷款过程中,被提醒没有购买房贷险不能保证贷款的时间和金额,属于变相“强买强卖”。二是投保金额超过贷款金额,部分银行要求贷款者对按揭房产全额保险。三是第一受益人为银行而非消费者,放贷银行存在风险转嫁嫌疑。四是银行指定保险公司。银行存在指定保险公司投保现象,而这些保险公司大部分地理位置偏僻、保费偏高,消费者为了获得贷款只能在此机构办理。五是保费一次 At present, banks in some places have an unreasonable tie-in “mortgage insurance” phenomenon in handling mortgage loans. First, there is disguise “strong buy sell ” phenomenon. Consumers in the process of lending, was reminded not to buy mortgage insurance can not guarantee the time and amount of loans, are in disguise “buy strong sell ”. Second, the insured amount exceeds the loan amount, and some banks require the lender to fully insure the mortgage real estate. Third, the first beneficiary of the bank rather than consumers, the risk of lending banks to pass the suspect. Fourth, the bank designated insurance company. Banks are insured by designated insurers, and most of these insurers are remote and have high premiums. Consumers are only allowed to borrow at this institution. Five is a premium