It's possible. When applying for a mortgage, the borrower can directly refuse, and it is not necessary to wait until after applying for a mortgage, and the bank may not refuse to lend money because the customer has not applied for insurance. Because self-owned banks can't force bundled sales, the CBRC has a clear regulation of "seven prohibitions and four disclosures". Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank. Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; To apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.

Second, [help] can Jiabao refund personal loans and mortgages?

What did you say? ...

3. I heard that personal mortgage loans can be refunded at home?

After the payment is paid off, the bank will issue a loan settlement certificate and a letter of notification to the insurance company, and apply to the insurance company for surrender with these two things. Housing mortgage insurance is a kind of mortgage insurance. The main body of this insurance is housing. The insurance company is responsible for compensating the material losses and expenses caused by the following reasons:

1. fire;

2. explosion;

3. Lightning;

4. Hurricanes, typhoons and tornadoes;

5. Storms, rainstorms and floods; However, it does not include the change of normal water level, seawater intrusion and discharge from reservoirs, canals and dams below normal water level;

6. Hail;

7. Landslides and landslides;

8. Volcanic eruption;

9. Land subsidence, but excluding land subsidence caused by piling, underground operation and excavation;

10. Flying objects fall, foreign buildings and other fixed objects collapse;

1 1. Water tank and water pipe burst, but it does not include water tank and water pipe burst caused by corrosion. As more and more people need mortgage to buy a house, the voice of questioning mortgage insurance is growing. In recent years, the compulsory purchase of this kind of insurance has been cancelled. The loan purchased before is paid off in advance and can be repaid year by year according to the remaining time.

Four, personal loan mortgage home insurance how to return?

First of all, you need to pay off the loan owed to the bank, and the bank will open a letter of credit for you. Secondly, the bank will send a notice letter to the insurance company, telling him that your house is about to apply for surrender, and the bank has agreed. Finally, you just need to take the bank and apply to the insurance company.

Mortgage loan, also known as "mortgage loan". It refers to someone. Require the borrower to provide a certain amount of collateral to repay the loan due. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral, repay the loan with the balance of compensation obtained from the auction, and the borrower will continue to pay off.

Mortgage and

The mortgage stipulated in the Urban Real Estate Management Law and the Guarantee Law is somewhat different from that in Hong Kong, that is, the definition of mortgage in these two laws is based on the condition of not transferring possession.

Mortgage means that the mortgagor (buyer) obtains the ownership of the purchased commercial house by installment. There are two meanings for buyers: first, the house payment can be paid in installments within the prescribed time limit; Second, in the phased stage, the ownership of the house is "pressed" and will not be "uncovered" until it is fully paid (the borrower's debt relationship-that is, the relationship between the mortgagor (buyer), the developer (seller) and the mortgagee (usually the relevant bank)).

Mortgage is a way for buyers to borrow money. That is, the buyer takes the purchased property as collateral, and the bank has the right to use it as a guarantee to repay the loan to the bank on schedule. Interest must be paid on this loan, and the buyer (mortgagor) can recover the collateral-Property Ownership Certificate and Land Use Certificate after the contract is signed. In other words, property buyers do not really own the ownership of the houses they buy before paying off the loans. If the repayment is not made on time, the bank can handle it according to law.

Mortgage loan is a popular way of real estate sales in the world. Although it is different from mortgage loan in nature, it has achieved the same goal in terms of "repayment by house and schedule".