The question you should ask is that a 450,000 house is mortgaged to the bank for 300,000 yuan, the loan contract is 10 years, and the monthly repayment amount is 3,500 yuan. The bank bought insurance from the insurance company for the mortgaged house. After mortgage insurance 15 months, the house was completely lost by fire. What should the insurance company pay to Yu (excluding depreciation)?

Yes!

This problem is calculated as follows: mortgage repayment 15 months 3500* 15=52500.

The loan secured by the bank is 300,000 yuan. Because the bank bought insurance for the loan, the insurance company needs to pay 300,000-52,500 yuan = 247,500 yuan.