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发表于 15-2-2019 06:46 PM
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Allow78 发表于 19-6-2018 06:25 AM
Already signed bank's offer letter, you ask bank can cancelled or not.
Already lock you in & prepare to makan you.
Let you go away??
MRTA / MLTA = only sohai buy de ,
Bank tipu those sohai whom ...
Mrta is better and economically, once death mrta will settle all the amount to bank. so ur family no need to worry about the house loan, but must be make sure the sum insured is enough for u to cover.
mLta is another choice of those who have enough money to cover more.MlTa n mrta two is asame, but the coverage for mlta can be wider.
life insurAnce is for our life, if u choose to take life insurance to cover for ur property, u must make sure that u also have enough money left for ut family to cover up ur others loan and left for ur family too.
So each of the insurance is different, i am not hard sell or what, just to sharing.
As u said, u no worry if ur death, the property still can be continued by ur family to pay. But the loan is under ur name or joint with others ?
There is also a different in here, if u didnt buy any insurance to cover, and the property is under u n ur wife, ur wife need to paid for ur part too. Isnt that after ur death, ur wife will only pay for her part.
If the loan is only under ur name, after ur death, ur family need to contineu settle the house loan if no bank will lelong ur preoperty.
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