21世纪不动产培训教程21
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: center" align=center><B><SPAN style="FONT-SIZE: 16pt; FONT-FAMILY: 幼圆; mso-bidi-font-size: 12.0pt; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">第八节</SPAN></B><B><SPAN lang=EN-US style="FONT-SIZE: 16pt; FONT-FAMILY: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN></B><B><SPAN style="FONT-SIZE: 16pt; FONT-FAMILY: 幼圆; mso-bidi-font-size: 12.0pt; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">房地产保险</SPAN></B><B><SPAN lang=EN-US style="FONT-SIZE: 16pt; FONT-FAMILY: Arial; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></SPAN></B></P><P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p> </o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><B><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">一、房地产财产保险</SPAN></B><B><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></B></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">它属于财产保险的一种，投保人可以是团体、法人、自然人等，与居民有关的主要是商品住宅保险和自购公有住房保险。</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt"><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">商品住宅保险是为购买商品住宅的人提供的使其在所购住宅遇到意外损失时能及时得到经济补偿的险种。自购公房保险，是对居民因房改从而购买原租住的公房的险种。两种险种的责任相同，都是对因自然灾害而造成的保险财产的损失进行赔偿。所保的财产只能是房屋及其附属设备和室内装修材料等财产。保险期一般为一年，可续保。</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt"><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p> </o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><B><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">二、房地产责任保险</SPAN></B><B><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></B></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt"><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">主要强调房屋所有人、出租人和承租人的责任保险，一般称为房地产公众责任保险，它主要承保在房屋使用过程中产生的赔偿责任。</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt"><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p> </o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><B><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">三、房地产人身保险</SPAN></B><B><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></B></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt"><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">主要指房屋被保险人遭受因房屋造成的意外伤害而死亡或永久致残，由保险人支付保险金额的险种。</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt"><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p> </o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><B><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">四、房屋抵押贷款保险</SPAN></B><B><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></B></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt"><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">属于房地产融资保险的一种，是为了保障贷款资金安全而由借款人作相关投保的一种房地产保险。所谓房屋抵押贷款保险，就是申请房屋抵押贷款的人应贷款银行的要求，用以保证贷款资金安全而将抵押房屋投保的险种。</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt"><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">房屋抵押贷款的保险内容：（</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''">1</SPAN><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">）投保人是办理房屋抵押贷款的房屋所有人；（</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''">2</SPAN><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">）保险财产为抵押贷款所购买的房屋；其他因装修、购置而附属于房屋饿有关财产不属投保范围；（</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''">3</SPAN><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">）保险期限，与贷款期限一致，在抵押期间，如果借款人中断保险，贷款银行有权代保，一切费用由借款人负担；（</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''">4</SPAN><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">）保险金额及保险费，以所购房屋价格确定保险金额，保险费每年计收一次；（</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''">5</SPAN><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">）被保险人义务；（</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''">6</SPAN><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 幼圆; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial">）损失赔偿。</SPAN><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US style="FONT-SIZE: 12pt; FONT-FAMILY: Arial; mso-fareast-font-family: 幼圆; mso-bidi-font-family: ''"><o:p> </o:p></SPAN></P>
页:
[1]