房屋贷款保险: MRTA vs MLTA

Updated: November 11, 2017 / Home » Home and house

什么是 MRTA? 什么是 MLTA?

目前在市场上,共有两种房屋贷款保险,其中包括递减式房贷保险(Mortgage Reducing Term Assurance,简称MRTA) 和抵押定额式房贷保险(Mortgage Level Term Assurance,简称MLTA)。

大部份的人购买的房贷保险是 MRTA,因为比较便宜,也不需要每年给予保费。至于 MLTA,许多人不是对它存着模糊的概念,或不知到这类保险的存在。

MRTA 保险的受益人仅银行

两种保险最大的不同点在于 MRTA 提供业主房贷 (Housing Loan) 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

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。

如果业主在贷款期间把房产出售,那么 MRTA 保险并不能转到业主新的房产,简单来说就是保费 burn 了。(当然还是可以拿回一点点的退保金额)。

MLTA 保险可转至新购房产

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,因此保费也比较贵。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。

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。

如业主拥有超过一项房产,选择 MLTA 将是比较被鼓励,因为购买 MLTA 保险更能给业主有规划性的保障与利益。

如果保期是30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。

3 comments on “房屋贷款保险: MRTA vs MLTA

  1. Winnie [ Reply ]

    MLTA is suitable for aggressive investors means those who buy and sell properties more regularly. So that premium rate can maintain as level using earlier age. Prudential PRULINK Million is a specialized planning of 1) high sum assured at million dollar coverage at a more 2) affordable premium rate, 3) better flexible cash flow and cash back. 4) Option of shortest payment term of 5 years, 10 years or longer to suit individual needs. For standard health Waive medical examination up to one mil and Approval in 5 days. You may contact Winnie (World MDRT) at 012-5262 865.

  2. kenneth [ Reply ]

    There is surrender value for MRTA. This is misleading public people. Said if your MRTA for 30 years is RM10K, if sell after 2 or 5 or 10 years, you will get back at least 50-80% of the RM10K. Hope this clarified the above. This is very misleading. Is untruth.

    • Good morning Mr. Kenneth. May I know where can I find MRTA that I can get back 50% to 80% of the total premium paid when I sell my house after 10 years? To my knowledge for MRTA is a term policy. For term policy the surrender value is very very very low. But the protection is very very big as compared to whole life and endowment policy. Can you show me with actual quotation stating that you can get back 50% to 80% when you sell your house after 10 years. Proof with facts. Thanks.

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