Personal loan mortgage home insurance
1. Personal loan mortgage housing insurance clause
Article 1 A natural person with full civil capacity who applies for a loan from a commercial bank with a mortgage as a house may participate in this insurance.
Article 2 The insured of this insurance contract is the borrowing individual. The insurance property refers to the house used by the insured to apply for a loan to the commercial bank; the ancillary facilities and other indoor property included in the value of the mortgaged house are also within the scope of the insurance property. .
After the insured purchases a house, the property or other indoor property attached to the house purchased, renovated or otherwise purchased is not covered by the insurance property.
Insurance duty
Article 3 The insurer shall be liable for compensation in accordance with the provisions of this article for the direct loss of the insurance property listed in this insurance policy within the insurance period due to the following reasons:
1. Fire and explosion;
2. Storm, heavy rain, typhoon, flood, lightning strike, earth and rock flow, snow disaster, disaster relief, ice blast, tornado, cliff collapse, sudden landslide, sudden collapse of the ground;
3. Falling objects in the air and the collapse of buildings and other fixed objects that are not owned or used by the insured.
Article 4 In the event of an insured event, in order to rescue the subject of insurance or to prevent the spread of the disaster, reasonable and necessary measures are taken to cause the loss of the insured property, and the insurer is also responsible for compensation.
Article 5 In the event of an insured event, the insured shall pay the reasonable and necessary cost of salvage to prevent or reduce the loss of the insured property, which shall be borne by the insurer. This fee is limited to the amount of insurance corresponding to the insurance property.
Liability exemption
Article 6 The insurer shall not be liable for compensation for the loss of insurance property due to the following reasons:
1. War, similar acts of war, terrorist acts, military operations, armed conflicts, strikes, riots, civil unrest;
2. Nuclear radiation or various radioactive contamination;
3. Administrative or law enforcement actions;
4. Secondary causes of earthquakes or earthquakes;
5. Intentional acts and gross negligence of the insured or his or her family members or their representatives.
Article 7 The insurer shall not be liable for compensation for the following losses and expenses of the insurance property:
1. Loss or expense of insurance property due to design errors, raw material defects, poor craftsmanship, settlement of buildings, and natural wear and normal maintenance;
2. The insured arbitrarily changes any loss and expenses caused by the structure of the house;
3. Depreciation of the house or loss of use value;
4. Any form of fine or fine;
5. Any indirect or mental damage;
6. Any loss caused by the computer 2000 problem.
Article 8 The insurer shall not be liable for any losses or expenses that are not within the scope of this insurance liability.
Term Insurance
Article 9 The term of insurance shall be from 0:00 on the date of the guarantee and from 2:00 on the date of termination of the loan term as stipulated in the personal housing mortgage loan contract.
Insurance amount and insurance premium
Article 10 The insurance amount of insurance property may be determined by the insured itself in the following manner, but the insurance amount shall not be less than the corresponding principal of the mortgage loan:
1. Cost price 2. Purchase price 3. Market price 4. Evaluation price 5. Borrowing amount 6. Other methods The eleventh insurance premium is based on the benchmark rate and is calculated according to the corresponding premium.
Insured and insured obligations
Article 12 The insured shall perform the obligation of truthful disclosure and truthfully answer the inquiries made by the insurer on the subject matter of the insurance or the relevant circumstances of the insured.
Article 13 The insured shall pay all the insurance premiums at one time when signing the insurance contract.
Article 14 During the term of this insurance contract, if the name of the insured changes, the nature of the subject matter of the insurance subject changes, the address of the subject matter of insurance changes, the degree of danger of the subject matter of insurance increases or other important matters of insurance change, the insured shall promptly notify the insurer in writing And pay an additional premium. If the insured fails to fulfill the notification obligation and pays the additional insurance premium, the insurer shall not be liable for the insured event arising from the increased risk of the insurance subject.
Article 15 The insured shall maintain the safety of the insurance property in accordance with the relevant fire safety and safety regulations of the State.
Article 16 When the insurance property suffers losses, the insured shall actively rescue and take necessary and reasonable measures to reduce the losses to a minimum, while protecting the scene of the accident, retaining relevant physical evidence, and immediately notify the insurer to assist in the investigation.
Article 17 When the insured applies for compensation from the insurer, it shall submit the original of the insurance policy, the list of losses and the valid evidence required by the other insurer as the basis for the claim.
Article 18 If the insured or the insured fails to perform any of the obligations stipulated in Articles 12, 13 and 15 to 17, the insurer has the right to refuse compensation or the notice of termination. The insurance contract will be terminated on the day of delivery to the insured.
2. Personal loan mortgage housing insurance clause
Care
Article 19 When an insurance property suffers losses within the scope of insurance liability, the insurer shall compensate according to the following provisions:
1. The actual loss is equal to or higher than the insurance amount and is compensated according to the insurance amount;
2. The actual loss is less than the insured amount, and the insurer compensates for the cost of restoring the damaged insurance property to its original state. The fee is limited to the insured amount.
Article 20 If the insured's one-time payment of the insurance property fails to reach the insured amount within the insurance period, the insured amount of the property loss shall be automatically restored, and the insured shall not be required to pay the insurance premium. However, in any case, the cumulative compensation for property damage insurance is limited to twice the amount of the insurance.
Article 21 The residual part of the subject-matter insured subject to loss shall remain with the insured and shall be deducted from the amount of the discount when calculating the actual loss.
Article 22 If the value of the mortgaged house includes auxiliary facilities and other indoor property, the loss calculation shall be limited to the actual value at the time of the loss. If the auxiliary facilities and other indoor property are changed, the insurer shall The actual value of the quantity, brand and specification listed in the mortgage is limited.
Article 23 After accepting a claim, the insurer shall promptly investigate and audit according to the scope of insurance liability and compensate according to the relevant provisions of this insurance clause. If there is a loss in the insurance property, the insurer will pay the loan bank or the insured in a lump sum according to the relevant agreement reached by the insured and the loan bank.
Article 24 If the loss of insurance property occurs within the scope of insurance liability, if the third party is responsible for compensation according to the law or the relevant agreement, the insured shall submit a claim for compensation to the third party in writing. Without the written consent of the insurer, the insured or his representative shall not make any promise, refusal, agreement or acceptance to the third party. According to the written application of the insured, the insurer may first compensate according to the relevant provisions of this insurance clause, and carry out subrogation recovery according to law. The insured shall assist the insurer in recovering from the third party.
Article 25 If there is duplicate insurance in the property covered by this insurance policy, the insurer shall only assume the responsibility of proportional apportionment. The insurer is not responsible for the liability for compensation that other insurers should bear.
Article 26 The right of the insured or his heirs to claim compensation shall be extinguished if they do not exercise or exercise within two years from the date they know or should have known the insured event.
Termination of the insurance contract Article 27 After the occurrence of an insurance accident, the insured, the insured or other related persons shall make false false accidents or exaggerate the degree of loss by forging or fabricating relevant certificates, materials or other evidence. It is not liable for the part of the false report and has the right to terminate this contract.
Article 28 If the insurance property suffers all losses or the insurer pays the property loss for one time to reach the insured amount, or the one-time indemnity does not reach the insured amount, but the accumulated indemnity reaches twice the insured amount, the insurance contract terminates by itself.
Article 29 If the insured pays off the loan balance under the personal housing mortgage loan contract in advance, the insured may, with the relevant documents of the original insurance policy and the loan repayment certificate of the loan bank, propose to the insurer to terminate the insurance contract.
Article 30 When the insured terminates the insurance contract in accordance with Article 29 of this insurance clause, the insurer shall calculate the insurance premium of the unexpired part based on the present value and deduct the 5% handling fee.
If the actual period of underwriting is less than one month, it shall be calculated on a monthly basis.
something else
Article 31 If there is a dispute between the insured and the insurer due to this insurance contract, the dispute resolution method shall be chosen by the two parties from the following two ways:
The dispute arising from the performance of this insurance contract shall be settled through negotiation between the two parties. If the negotiation fails, it shall be submitted to the arbitration committee agreed by the parties.
The dispute arising from the performance of this insurance contract shall be settled through negotiation between the two parties. If the negotiation fails, the case shall be brought to the people's court in accordance with the law.
Article 32 The law of the insurance contract dispute shall be governed by the laws of the People's Republic of China
Article 33 The contents of the agreement, notice or notice related to this insurance contract shall be in written form.
3. Personal loan mortgage housing insurance clause
I. Temporary Rent Compensation Clause In the event of an insurance accident within the insurance liability of the insurance property, the insured may be compensated for the temporary accommodation expenses of 5% of the amount of the insurance house loss.
Other related matters are subject to the relevant provisions of the Personal Loan Mortgage Insurance Clause.
2. The compensation clause for the relocation expenses The insured person needs to relocate to other accommodations due to the insurance accident within the insurance liability of the insurance house, and the insured can obtain compensation for the relocation expenses. The compensation for the relocation cost of each accident is 300 yuan.
Other matters are subject to the relevant provisions of the Personal Loan Mortgage Insurance Clause.
3. Extension of insurance term clause When the loan bank has requested the borrower to repay the grace period of the loan at the expiration of the repayment term stipulated in the loan contract, the insurance period of the insurance contract will be extended, and the longest extension period is 180 days, and can only be extended. once.
Other related matters are subject to the relevant provisions of the Personal Loan Mortgage Insurance Clause.
4. Compensation for the cost of cleaning up The loss of insurance property within the scope of insurance liability, and the amount of compensation for the property loss insurance component reaches 50% or more of the insurance amount, the expenses incurred by the insured to remove, dismantle or support the damaged property, insurance The person will be given a one-time compensation of 800 yuan for cleaning costs.
Other related matters are subject to the relevant provisions of the Personal Loan Mortgage Insurance Clause.
Article 1 A natural person with full civil capacity who applies for a loan from a commercial bank with a mortgage as a house may participate in this insurance.
Article 2 The insured of this insurance contract is the borrowing individual. The insurance property refers to the house used by the insured to apply for a loan to the commercial bank; the ancillary facilities and other indoor property included in the value of the mortgaged house are also within the scope of the insurance property. .
After the insured purchases a house, the property or other indoor property attached to the house purchased, renovated or otherwise purchased is not covered by the insurance property.
Insurance duty
Article 3 The insurer shall be liable for compensation in accordance with the provisions of this article for the direct loss of the insurance property listed in this insurance policy within the insurance period due to the following reasons:
1. Fire and explosion;
2. Storm, heavy rain, typhoon, flood, lightning strike, earth and rock flow, snow disaster, disaster relief, ice blast, tornado, cliff collapse, sudden landslide, sudden collapse of the ground;
3. Falling objects in the air and the collapse of buildings and other fixed objects that are not owned or used by the insured.
Article 4 In the event of an insured event, in order to rescue the subject of insurance or to prevent the spread of the disaster, reasonable and necessary measures are taken to cause the loss of the insured property, and the insurer is also responsible for compensation.
Article 5 In the event of an insured event, the insured shall pay the reasonable and necessary cost of salvage to prevent or reduce the loss of the insured property, which shall be borne by the insurer. This fee is limited to the amount of insurance corresponding to the insurance property.
Liability exemption
Article 6 The insurer shall not be liable for compensation for the loss of insurance property due to the following reasons:
1. War, similar acts of war, terrorist acts, military operations, armed conflicts, strikes, riots, civil unrest;
2. Nuclear radiation or various radioactive contamination;
3. Administrative or law enforcement actions;
4. Secondary causes of earthquakes or earthquakes;
5. Intentional acts and gross negligence of the insured or his or her family members or their representatives.
Article 7 The insurer shall not be liable for compensation for the following losses and expenses of the insurance property:
1. Loss or expense of insurance property due to design errors, raw material defects, poor craftsmanship, settlement of buildings, and natural wear and normal maintenance;
2. The insured arbitrarily changes any loss and expenses caused by the structure of the house;
3. Depreciation of the house or loss of use value;
4. Any form of fine or fine;
5. Any indirect or mental damage;
6. Any loss caused by the computer 2000 problem.
Article 8 The insurer shall not be liable for any losses or expenses that are not within the scope of this insurance liability.
Term Insurance
Article 9 The term of insurance shall be from 0:00 on the date of the guarantee and from 2:00 on the date of termination of the loan term as stipulated in the personal housing mortgage loan contract.
Insurance amount and insurance premium
Article 10 The insurance amount of insurance property may be determined by the insured itself in the following manner, but the insurance amount shall not be less than the corresponding principal of the mortgage loan:
1. Cost price 2. Purchase price 3. Market price 4. Evaluation price 5. Borrowing amount 6. Other methods The eleventh insurance premium is based on the benchmark rate and is calculated according to the corresponding premium.
Insured and insured obligations
Article 12 The insured shall perform the obligation of truthful disclosure and truthfully answer the inquiries made by the insurer on the subject matter of the insurance or the relevant circumstances of the insured.
Article 13 The insured shall pay all the insurance premiums at one time when signing the insurance contract.
Article 14 During the term of this insurance contract, if the name of the insured changes, the nature of the subject matter of the insurance subject changes, the address of the subject matter of insurance changes, the degree of danger of the subject matter of insurance increases or other important matters of insurance change, the insured shall promptly notify the insurer in writing And pay an additional premium. If the insured fails to fulfill the notification obligation and pays the additional insurance premium, the insurer shall not be liable for the insured event arising from the increased risk of the insurance subject.
Article 15 The insured shall maintain the safety of the insurance property in accordance with the relevant fire safety and safety regulations of the State.
Article 16 When the insurance property suffers losses, the insured shall actively rescue and take necessary and reasonable measures to reduce the losses to a minimum, while protecting the scene of the accident, retaining relevant physical evidence, and immediately notify the insurer to assist in the investigation.
Article 17 When the insured applies for compensation from the insurer, it shall submit the original of the insurance policy, the list of losses and the valid evidence required by the other insurer as the basis for the claim.
Article 18 If the insured or the insured fails to perform any of the obligations stipulated in Articles 12, 13 and 15 to 17, the insurer has the right to refuse compensation or the notice of termination. The insurance contract will be terminated on the day of delivery to the insured.
2. Personal loan mortgage housing insurance clause
Care
Article 19 When an insurance property suffers losses within the scope of insurance liability, the insurer shall compensate according to the following provisions:
1. The actual loss is equal to or higher than the insurance amount and is compensated according to the insurance amount;
2. The actual loss is less than the insured amount, and the insurer compensates for the cost of restoring the damaged insurance property to its original state. The fee is limited to the insured amount.
Article 20 If the insured's one-time payment of the insurance property fails to reach the insured amount within the insurance period, the insured amount of the property loss shall be automatically restored, and the insured shall not be required to pay the insurance premium. However, in any case, the cumulative compensation for property damage insurance is limited to twice the amount of the insurance.
Article 21 The residual part of the subject-matter insured subject to loss shall remain with the insured and shall be deducted from the amount of the discount when calculating the actual loss.
Article 22 If the value of the mortgaged house includes auxiliary facilities and other indoor property, the loss calculation shall be limited to the actual value at the time of the loss. If the auxiliary facilities and other indoor property are changed, the insurer shall The actual value of the quantity, brand and specification listed in the mortgage is limited.
Article 23 After accepting a claim, the insurer shall promptly investigate and audit according to the scope of insurance liability and compensate according to the relevant provisions of this insurance clause. If there is a loss in the insurance property, the insurer will pay the loan bank or the insured in a lump sum according to the relevant agreement reached by the insured and the loan bank.
Article 24 If the loss of insurance property occurs within the scope of insurance liability, if the third party is responsible for compensation according to the law or the relevant agreement, the insured shall submit a claim for compensation to the third party in writing. Without the written consent of the insurer, the insured or his representative shall not make any promise, refusal, agreement or acceptance to the third party. According to the written application of the insured, the insurer may first compensate according to the relevant provisions of this insurance clause, and carry out subrogation recovery according to law. The insured shall assist the insurer in recovering from the third party.
Article 25 If there is duplicate insurance in the property covered by this insurance policy, the insurer shall only assume the responsibility of proportional apportionment. The insurer is not responsible for the liability for compensation that other insurers should bear.
Article 26 The right of the insured or his heirs to claim compensation shall be extinguished if they do not exercise or exercise within two years from the date they know or should have known the insured event.
Termination of the insurance contract Article 27 After the occurrence of an insurance accident, the insured, the insured or other related persons shall make false false accidents or exaggerate the degree of loss by forging or fabricating relevant certificates, materials or other evidence. It is not liable for the part of the false report and has the right to terminate this contract.
Article 28 If the insurance property suffers all losses or the insurer pays the property loss for one time to reach the insured amount, or the one-time indemnity does not reach the insured amount, but the accumulated indemnity reaches twice the insured amount, the insurance contract terminates by itself.
Article 29 If the insured pays off the loan balance under the personal housing mortgage loan contract in advance, the insured may, with the relevant documents of the original insurance policy and the loan repayment certificate of the loan bank, propose to the insurer to terminate the insurance contract.
Article 30 When the insured terminates the insurance contract in accordance with Article 29 of this insurance clause, the insurer shall calculate the insurance premium of the unexpired part based on the present value and deduct the 5% handling fee.
If the actual period of underwriting is less than one month, it shall be calculated on a monthly basis.
something else
Article 31 If there is a dispute between the insured and the insurer due to this insurance contract, the dispute resolution method shall be chosen by the two parties from the following two ways:
The dispute arising from the performance of this insurance contract shall be settled through negotiation between the two parties. If the negotiation fails, it shall be submitted to the arbitration committee agreed by the parties.
The dispute arising from the performance of this insurance contract shall be settled through negotiation between the two parties. If the negotiation fails, the case shall be brought to the people's court in accordance with the law.
Article 32 The law of the insurance contract dispute shall be governed by the laws of the People's Republic of China
Article 33 The contents of the agreement, notice or notice related to this insurance contract shall be in written form.
3. Personal loan mortgage housing insurance clause
I. Temporary Rent Compensation Clause In the event of an insurance accident within the insurance liability of the insurance property, the insured may be compensated for the temporary accommodation expenses of 5% of the amount of the insurance house loss.
Other related matters are subject to the relevant provisions of the Personal Loan Mortgage Insurance Clause.
2. The compensation clause for the relocation expenses The insured person needs to relocate to other accommodations due to the insurance accident within the insurance liability of the insurance house, and the insured can obtain compensation for the relocation expenses. The compensation for the relocation cost of each accident is 300 yuan.
Other matters are subject to the relevant provisions of the Personal Loan Mortgage Insurance Clause.
3. Extension of insurance term clause When the loan bank has requested the borrower to repay the grace period of the loan at the expiration of the repayment term stipulated in the loan contract, the insurance period of the insurance contract will be extended, and the longest extension period is 180 days, and can only be extended. once.
Other related matters are subject to the relevant provisions of the Personal Loan Mortgage Insurance Clause.
4. Compensation for the cost of cleaning up The loss of insurance property within the scope of insurance liability, and the amount of compensation for the property loss insurance component reaches 50% or more of the insurance amount, the expenses incurred by the insured to remove, dismantle or support the damaged property, insurance The person will be given a one-time compensation of 800 yuan for cleaning costs.
Other related matters are subject to the relevant provisions of the Personal Loan Mortgage Insurance Clause.
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