MLTA和MRTA

舞猫猫

shonhock 发表于 21-6-2013 10:36 AM
跟银行的banker买，100%是MRTA。
除非那个banker私低下有做保险，他才会offer你 MLTA。
不然，就直接跟 ...

所以银行的只是MRTA ？

shonhock

舞猫猫 发表于 21-6-2013 10:47 AM
所以银行的只是MRTA ？

是的，看来我又要重新大概些多一次了。

MRTA
- Purchaser buy from bank, Bank pay lum-sump to insurance company,
- then Bank charge back Purchaser + interests, for long term installment.
- thats why, Purchaser have to buy new MRTA whenever they buy any new property.
- when Purchaser sell the property, thats why Purchaser cant get back all the premium had paid to Bank before. so called BURN.
- IF unfortunately next time after few years, BLR rate increase, Purchaser still need pay extra cash for the installment every month.

MLTA
- Purchaser direct deal with insurance company/agent.
- no need pay extra interests.
- after few years, Purchaser only need top-up for more higher coverage, no need another new policy. ages grow, more higher premium.
- next time after 10yrs, or 30yrs, can surrender, can get back large Surrender value, more than what u paid.

yceecua

舞猫猫 发表于 21-6-2013 10:43 AM
而且可以加进loan里是吗

OCBC 的MLTA 可以加进loan里面。。因为是under great eastern 的。。