As early as 20 1 1, the China Insurance Regulatory Commission issued the Notice on Strengthening the Cooperative Management of Policy Pledged Loans between Insurance Companies and Commercial Banks, which pointed out that when consumers go to banks to apply for policy pledged loans, banks should not tie in insurance products, and insurance companies should stop this behavior of cooperative banks in time, and it is forbidden to bundle "insurance" with "loans" for compulsory consumption.

Extended data:

Do I have to pay insurance for unsecured loans?

"All residents of the dongcheng international community will provide unsecured and unsecured exclusive credit loans to customers who own real estate." On the morning of February 25, Mr. Li showed the reporter a leaflet received in the community, which was picked up at his door a few days ago, and he just bought a new house to decorate, so he didn't have that much money at hand, so he wanted to consult this housing loan.

"I calculated before that the renovation of the new house is almost100000, and I am reluctant to borrow money from my friends for this matter. When several projects are completed by the end of the year, the money will be paid back as soon as it arrives. " ?

Mr. Li called according to the above mobile phone number, and the other party first explained the loan situation, mentioning that it only needs to prove that the community has real estate, and then the rest of the information is very simple, with no bad credit record and a stable job, and then provide some materials according to the requirements of the bank, and you can get the loan within one week, which will be much faster than the previous loan form.

But in the end, the staff member mentioned that because it is a personal credit loan, it needs to have a real estate, but the real estate has no mortgage, and the borrower needs to buy insurance formulated by the bank. ?

"Buy insurance? I bought commercial insurance before and paid it every year. There are also social security and medical insurance, as well as the policies of the unit. I don't need to buy it anymore. "

When Mr. Li talked with the staff, the staff said that insurance is mainly just in case. If anything happens to Mr. Li in the future and he is unable to repay the loan, the insurance will compensate the bank for the loss. The first beneficiary of this insurance contract is the bank. He repeatedly told me that the insurance premium is not high and it is paid according to the loan term, and the insurance will be invalid after the loan is repaid. ?

People's Daily Online-Survey: What have you been forced to tie in when you go to the bank for loans?