新加坡房屋贷款一定要买抵押贷款保险(mortgage insurance)吗?如何申请HPS豁免

还是价格的原因。HPS不便宜哦。

另外，如果定期寿险买到65岁，保额足够多 比如100万新币以上保额，第二次买房还可以继续用这个定期寿险来代替HPS呢。

所以很多人选择找我们买定期寿险。

用定期寿险替代HPS需要注意的几个问题（适用组屋贷款）：

1 定期寿险的保单期限必须大于贷款的期限，贷款生效日期在保单生效日期之后，保单截至日期在贷款到期日之后。仅记，否则HPS豁免不会成功的哦。

2 定期寿险的保额必须大于或者等于房屋贷款额度

3 如果已经有了HPS，定期寿险生效后，就可以去CPF网站做HPS豁免了；

如果此前就有了定期寿险，贷款合同生效以后 就可以去CPF网站在线做HPS豁免了，几分钟就搞定了的。

4 如果几年后，定期寿险保额不够了(因为索赔等原因，或者不小心退保了，或者换了另外一种较好的定期寿险，此前在做HPS豁免时的定期/终身寿险终止了)，CPF会寄信通知您 立马申请HPS的；如果有了新的保单，可以继续再申请HPS。

最后，哪些保险可以替代HPS呢？仅仅是定期寿险吗？非也。很多，只要保额足够就行：

You can apply for HPS exemption if you already have one or more of the following insurance policies:

Whole Life(终身寿险)

Term Life(定期寿险)

Endowments(储蓄保险，这个身故保额很难达到)

Life Riders (must be attached to a basic policy)(附加险)

Mortgage Reducing Term Assurance (MRTA) / Decreasing Term Rider(抵押贷款保险，保额递减的定期寿险)

These policies must cover your outstanding housing loan up to the full term of loan or 65 years old, whichever is earlier, in the event of death, terminal illness or total permanent disability.

Your exemption from HPS may be revoked if any of the insurance policies used for the exemption is discontinued or altered. Subsequently, the Board would extend a HPS cover to you based on the declared percentage that you were exempted for, subject to the Board’s terms and conditions. If you wish to be exempted from HPS again, you will need to reapply for it.

如果有一个100万新币保额的定期寿险，且保到超过65岁，你就不用操心这些HPS的细节，只需要做一个HPS豁免就行了。

而家里的顶梁柱，很有必要有一个超级便宜的定期寿险的。定期寿险再附加全面的重疾附加险，就更好了。

看看，没有那么简单吧？

转载请注明来源：狮城新闻