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Www Homeloanhomefinancing Category Cinemas Home Loan Home Financing Home Loan – What is the basic that You should know

Www Homeloanhomefinancing Category Cinemas Home Loan Home Financing

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It is extremely important to take insurance coverage when you purchase a house. The most important factor is that it gives you and your loved ones peace of mind, in the form of financial security if an unfortunate event should occur.
There are two important insurances to consider:

* The House Owner/Fire Insurance policy
This policy provides coverage for your property against natural disasters such as flood, fire, riot, strike and malicious damage. For properties with strata titles such as apartments or condominiums, you need not buy the insurance because the Management Corporation (MC) would have taken up insurance on the entire building. You should ensure that you obtain the sub-certificate of the Master Policy issued by the insurance company from the MC and present it to the financial institution. This is necessary so that the financial institution is aware that the property has been insured and will not buy another fire insurance on your property. In such a case, you will be required to assign your rights under the policy to the financial institution.
* The Mortgage Life Assurance or MRTA
This type of policy provides for full settlement of the outstanding balance of the housing loan with the financial institution, in the event of total permanent disability or death of the borrower. Premiums can usually be included in the loan amount, and the repayment period of the premium is usually spread over the loan tenure. The premium is only incurred once. There are no monthly or yearly premiums to be paid. In the event of early termination of housing loan, you will generally have the option to request for a refund of the premium for the balance of the unexpired period or to continue the insurance coverage.

Financial institutions have their own panel of insurers and most of them can arrange insurance on your behalf with the annual premium charged to your loan account.

保险
这是极为重要的是采取保险当您购买的房子。最重要的因素是，它为您和您的亲人安心在金融安全形式，如果一个不幸的事件应该发生。
保险有两个重要的考虑：

*屋主/火险
这项政策规定，您对诸如水灾，火灾，暴动，罢工和自然灾害的恶意破坏财产的范围。对于如公寓或公寓阶层标题属性，您不必购买保险，因为管理公司（管委会）将采取行动对整个建筑物的保险。你应该确保你获得的子主由保险公司签发的证书和三菱商事政策提交给金融机构。这是必要的，这样的金融机构意识到，财产已经投保，也不会买你的财产另一个火灾保险。在这种情况下，你将被要求在指定的金融机构的政策的权利。
*按揭人寿保险或革命运动
这种类型的政策规定，对房屋贷款的金融机构未偿还余额全额结算，总永久性残疾或死亡时的借款。保费通常可以包括在贷款额和还款期的保费通常在贷款任期蔓延。保险费是只发生一次。有没有每月或每年应支付的保费。在对住房贷款提前终止时，您将可以选择一般要求一对为未到期或继续保险覆盖面的平衡退还保险费。

金融机构有其自身的面板保险公司，其中大部分可以安排你与你的贷款帐户中扣除年保费的名义保险。

Loan Disbursement
The financial institution disburses (pays out) the loan once it has received advice from its lawyer that the legal process has been completed and the loan documents are in order. At this time you will be informed of the date and amount of the first installment you have to make.

贷款发放
当金融机构已收到了律师的意见通知其法律过程和贷款文件已经完成，它将分发（付给）其贷款于借款人。以便通知您的借款日期和第一批释放的数额。

Rights and Duties of the Borrower and Financial Institution
Both borrower and financial institution have certain rights and duties during the course of the loan. Some of the more important ones include:

RIGHTS
1. Borrower
* Right to have access to all information that would affect your borrowing decision
* Right to be treated professionally, courteously and without prejudice
* Right to be consulted on changes to the terms and conditions of your loan
* Right to have accurate information on a regular basis on your loan account
* Right to enforce legal action in the event of a breach of contract

2. Financial Institution
* Right to have full relevant disclosure of information on borrower’s credit standing
* Right to correct and truthful information on the borrower
* Right to timely repayment of interest/ instalments of the loan
* Right to enforce legal action in the event of default/breach of contract

DUTIES
1. Borrower
* Duty to read and understand all terms and conditions of the loan
* Duty to observe the terms and conditions of the loan at all times
* Duty to enquire and get clarification on all aspects of the loan to their satisfaction
* Duty to make prompt payment on the fees, charges, interest and installment of the loan

2. Financial Institution
* Duty to discharge borrowers’ obligations as described in the loan agreement
* Duty to consult borrowers on any changes made to the terms and condition, fees charged and other relevant information
* Duty to attend to all queries made by borrower

权利和义务的借款人与金融机构
借款人及金融机构都已经在贷款过程中的某些权利和义务。较重要的一些包括：

权利
1。借款人
*有权获得的所有资料，将影响您的借贷决定
*有权得到专业，礼貌和不妨碍
*有权被征询的条款和条件的变化对您的贷款
*有权利对你的贷款帐户定期准确的信息
*强制执行权的违约事件采取法律行动

2。金融机构
*有充分的权利对借款人的信用信息披露的有关常设
*有权更正并在借款人真实信息
*权利益及时偿还贷款/分期付款
*执行权的违约事件采取法律行动/违约

职责
1。借款人
*职务阅读并理解所有条款及贷款条件
*责任时刻遵守的条款及条件的贷款
*职务查询并获得对他们的满意度贷款的所有方面澄清
*职务就迅速支付的费用，收费，利息及分期贷款

2。金融机构
*借款人履行职责的义务中所述的贷款协议
*咨询的责任作出任何条款和条件变化的借款人，收取的费用及其他相关信息
*职务出席由借款人提出的所有疑问

Joyline Chai will be to provide invaluable assistance, and clarify issues which you are unsure. Take the time to discuss your housing loan questions with me at length so that you can choose a loan facility that best suits your needs.

Joyline Chai将提供宝贵的意见，并澄清您所不确定的问题。希望您能花费少许时间来详细讨论您的房屋贷款问题，以便我可以提供你，最适合您所需要的贷款选择。

email: joylinechai@gmail.com

Buying a House
Buying a house is a major step, so it deserves careful thought and planning. If you are buying a property under construction, you should check the background of the developer. You should ensure that the developer:

You have the right to enquire from the developer, information on licence and permit. You can also refer to the Ministry of Housing and Local Government for further clarification. A developer with a good track record reduces the risk of the project being abandoned.

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