Yes, this has no effect on bank loans, but their insurance companies and banks are cooperative. You have to pay bank fees for bank loans, and it will take at least a few years to pay off the mortgage. The interest you give to the bank adds up to hundreds of thousands, which must be tens of thousands. Banks are stupid. How much did the insurance company pay him? It is impossible to give all the premiums you paid to the bank and terminate your relationship just for an insurance. Banks don't make money, even if you don't want insurance, banks won't do much, and I think if banks let you buy it, you should buy it in a daze. The banker thinks that you don't understand this aspect and deliberately fooled you into buying it. Whether you should get insurance or not has no effect on your loan, only on the performance of bank personnel. If you want a quick refund, it should be given to the insurance company for nothing now. It should be a long memory. Now you only lose 2400 yuan, so you lose 2400 yuan every year and 24000 yuan ten years later. If you surrender midway, you won't get your money back even in 1 year and 5 years, but the money lost in 1 year and 5 years is different. You might as well return it quickly. Anyway, if you don't get the money, don't even think about 10.