Category: MRTA (3)

拥有超过1房产 选择MLTA更明智MLTA vs MRTA

达人开讲‧讲重点:贷款买房可是一辈子的事。在签下合约的那一刻,合约可长达40年或70岁,业主从此成了“房奴”。

当我们购买房产越多,相对的我们的风险越大。如果我们没有做好风险管理和保险规划,到底我们会把有价值的资产,还是负债的资产留给家人和下一代呢?

贷款买房可是一辈子的事。在签下合约的那一刻,合约可长达40年或70岁,业主从此成了“房奴”。

在这么长的时段,任何人都可能会发生任何事故,了解各自的风险程度和寻求保障是有必要的,尤其是中小型企业家,因涉及公司的财务状况。

目前在市场上,大多数业主都了解自己购买的房贷保险属于递减式房贷保险(Mortgage Reducing Term Assurance,简称MRTA),这类保险也成了多数房产投资者的不二选择。

对于另一种房贷保险:抵押定额式房贷保险(Mortgage Level Term Assurance,简称MLTA),许多人不是对它存着模糊的概念,或全然不知这类保险的存在,再不然就是在两个选择之间徘徊,难以抉择。

 

MRTA受益人仅银行

两种保险最大的不同点在于MRTA提供业主房贷的保障,在贷款期间将逐年递减。浮动贷款利率可能会导致保险在保障上的不足,因此可能面对补足不敷的剩余房贷差额。

MRTA保险提供的保障只限给一项固定房产,直到该项房产贷款时期结束为止。 MRTA的理赔金受益人只有银行,保险公司将保险金赔偿给银行缴付未清的贷款。

MRTA保险提供的保障范围只限于意外或非意外导致的残障或身亡。至于付款方式,MRTA需以一次性的方式付清保费。业主可选择自己缴付或将保费附加在贷款配套中向银行借贷。

 

MLTA可转至新购房产

MLTA提供业主房贷的保障属于平衡式,不会面对房贷差额,反而还能有多余数额去解决房贷以外的债务,如车贷、信用卡余额等。

MLTA所给的保障将可被转移至新购房产上,因MLTA是用个人名誉购买。所以MLTA的受益人可以是任何人。

若业主投保的是MLTA,由于它包含人寿保险的设计,那么可以考虑附加36种危疾保障和36种危疾免缴保费利益,让业主可伸缩性的规划所需的保障范围。

MLTA的付款方式则比较灵活有弹性,业主可选择以每月、每季、每半年或每年分期缴付。

如业主拥有超过一项房产,选择MLTA将是比较明智​​。在这样的情况下,购买MLTA保险更能给业主有规划性的保障与利益。

由于保险一般都是根据年龄售卖的,假设保期是50年,那么在那段长时间内,业主有意变卖或新购房产,MLTA将可继续给予保障而不需要以当下更高的年龄,重新购买新的保单。

无论如何,不​​管是MRTA或MLTA,业主在购买前应以自身的经济条件、购买房产计划来作为考量,以选择适合自己的保单,在面对困境时才能获得保障。

 

MRTA vs MLTA (英文版)

Mortgage Reducing Term Assurance (MRTA) is also frequently referred to Mortgage Life Insurance. MRTA helps you settle your housing loan in the event something happens to you.

 

Although many people don’t like talking about it, disability, illness or death can occur any time. MRTA will cover the unpaid portion of your loan if this happens. It gives you peace of mind and protects your family from losing a home. It provides coverage even during the construction period. The premium is reasonable, and it can even be financed by your bank.

 

What are the benefits?

  • Lump sum repayment to your mortgage loan in case of death or total and permanent disability due to natural causes, illness or accidents.
  • Coverage is 24 hours, worldwide.
  • Premiums can be financed by the bank.
  • Discount on the premium for joint life application if your home is jointly owned by your spouse or immediate next of kin.

 

What does MRTA cover?

It covers disability, illness or death and also total and permanent disability. However, there are exclusions such as:

  • Death due to suicide and AIDS/HIV
  • Total or permanent disability due to self-inflicted injuries, armed forces, riot and civil commotion, flying other than as a fare-paying passenger, racing on a horse or wheels
  • Pre-existing conditions such as AIDS/HIV

 

How much would my premium be?

Premium factors depend on the sum assured, interest rate, term, construction period, premium financing, joint-life, age at next birthday.

If you are between 18 and 60 years of age and in good health, you are eligible to take up MRTA. You can always make an application by filling up an application form at the Bank.

Basically there are two types of mortgage insurance available in the market, Mortgage Reducing Term Assurance(MRTA) and Mortgage Level Term Assurance(MLTA).

 

MLTA is a slight variation from MRTA and offers an alternative for a borrower who is looking for a life insurance which offers protection plus savings and in some policies returns on the premium.

 

In a nutshell MLTA offer level/consistent protection, allow you to buy/sell property using the same MLTA protection & offer cash back and interest comparing to MRTA.

 

Also please note that most of the times, it is not compulsory to buy MRTA from the bank that you get the housing loan with, but it is recommended to do so.

 

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