yangcarl999

火险必须买，每年100多。

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yangcarl999 发表于 25-3-2013 13:58
火险必须买，每年100多。

可能公寓协会也统一买了，有些银行不要求买。那你买了房屋保险吗？

lucyisme

论坛12345 发表于 25-3-2013 13:04
是指个人买？还是指公寓统一买的？

个人的。
如果没有记错。公寓外墙是物业负责买。

但是里面内部的火险需要自己买。
然后出租的合同上也会特别强调屋主负责买火险。

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lucyisme 发表于 25-3-2013 14:12
个人的。
如果没有记错。公寓外墙是物业负责买。

哦！因为我的是期房，TPO 时才知道有关火险的情况。谢谢你了。。才知道公寓物业只管的外墙。

yangcarl999

论坛12345 发表于 25-3-2013 14:11
可能公寓协会也统一买了，有些银行不要求买。那你买了房屋保险吗？

房屋保险没有买。。。应该不是强制性的。

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yangcarl999 发表于 25-3-2013 14:38
房屋保险没有买。。。应该不是强制性的。

嗯！房屋保险不是强制的。请你投没有买那一项吧。

remote

论坛12345 发表于 25-3-2013 14:17
哦！因为我的是期房，TPO 时才知道有关火险的情况。谢谢你了。。才知道公寓物业只管的外墙。
...

关于火险。。。。刚才上网搜了搜，发现HSBC给的解释最详细。。。。

感觉主要几点：
1. 贷款的火险受益方是银行，而公寓管理公司的保险受益方是屋主
2.  只有在公寓统一火险失败的情况下贷款火险才生效
3.  The MIP only protects the bank. There is no double insurance.
4.  房里的物品两个保险都不保。MIP does not cover for your home contents


2. Why is MIP required when my Management Corporation (MC) already has a Mangement Corporation
Strata Title (MCST) policy on my strata-titled property (eg. condominium)?
Your Management Corporation (MCST) is required to take up a Damage Policy, typically a fire insurance policy to insure collectively the entire development, including its common property. Only properties under the Building Maintenance Strata Management Act (BMSMA) can be insured under a Damage Policy.

MIP is a policy that all banks require customers to take up for condominium units. As the financial interest of the bank is not covered, banks require customers to take up a MIP in order to protect their loans up to the lower of reinstatement value or outstanding loan amount (including charges). For instance, should the mortgage unit be damaged by fire and a claim from the MCST policy fail, the MIP which protects the bank's financial interest will be called upon by the bank. If there is a failure to service the loan as a result of the damage to the unit, the bank can make a claim on the MIP. The MIP only protects the bank. There is no double insurance.

Please refer to table below for comparison between a MIP and a Damage Policy (MCST policy).

	Mortgagee Interest Policy	Damage Policy (MCST Policy)
Who is required to take this up?	Mortgagor as per loan agreement	Management Corporation as per BMSMA.
What does it insure?	Insures the Bank's financial Interest	Insures collectively the entire development.
What is the sum assured?	The lower of reinstatement value and outstanding loan (including charges).	Reinstatement value for the entire development, including common property.
Who can make a claim on the policy?	Claim is made and paid to the Bank.	Claim is made and paid to the MC.

As the Damage Policy and MIP serve different protection needs and purposes, there is no duplication of coverage.

9. Does the MIP (HouseSurance) I have taken up cover home contents?

In general, a MIP does not cover for your home contents. Supplementary insurance coverage such as AXA's HomeSurance Classic will insure your family and home contents against risks not stated in a basic MIP.

For more information on AXA's HomeSurance Classic, you can contact AXA Hotline on (open from 9.00am to 5.30pm weekdays) or e-mail to [email protected].


http://www.hsbc.com.sg/1/2/personal/loans/existing-hmloans-fireinsr

小鱼儿妈妈

remote 发表于 25-3-2013 18:01
关于火险。。。。刚才上网搜了搜，发现HSBC给的解释最详细。。。。

感觉主要几点：

谢谢。

论坛12345

remote 发表于 25-3-2013 18:01
关于火险。。。。刚才上网搜了搜，发现HSBC给的解释最详细。。。。

感觉主要几点：

谢谢这么详细的信息。如果银行不要求买火险就不用买。

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谢谢大家的支持！