受 加息预期的影响 ,一向被认为“暴利”的房贷险 ,正面临着业主提前还贷的“退保”大潮 ,房贷险走到了亏损的边缘 ,部分保险公司已萌生停售房贷险之意 ,房贷险市场开始收缩。高额手续费是风险源头“房贷险的赔付率很低 ,几乎可以忽略不计 ,因而一直以来 ,各家保险公司都在激烈 Affected by the expectation of rate hike, the mortgage insurance which has always been regarded as “profiteering” is facing the “surrender” tide of repayment ahead of time by the owners. Mortgage insurance has come to the edge of loss. Some insurers have initiated the intention of stopping the sale of mortgage insurance , Mortgage insurance market began to shrink. High commissions are the source of risk "Mortgage insurance claims rate is very low, almost negligible, and therefore, all insurance companies have been fierce