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住房贷款抵押物保险现状目前,住房抵押贷款均实行实际意义上的强制保险,即无论政策性住房公积金贷款还是商业性住房按揭贷款,银行均要求借款人对抵押物住房进行财产保险,以此作为贷款的先决条件。银行一般要求抵押物投保期限不得短于贷款期限,保费标准随贷款性质而异,如住房公积金贷款或组合贷款年保费
At present, the real estate mortgage loans are imposing compulsory insurance, that is, regardless of the policy of housing provident fund loans or commercial housing mortgage loans, banks are required by the borrower to collate the housing property insurance, as a Prerequisites for the loan. Banks generally require the insured period of insured may not be shorter than the loan deadline, premiums vary with the nature of the loan, such as housing provident fund loans or portfolio loan annual premium