[問題] 我想請問關於儲蓄險的退保~~~消失
三個月前犯傻似的買了一張20年期儲蓄險
當時是用年繳信用卡付款
但現在才剛繳完第三期的分期
現在我想解約了
但對方跟我說如果我現在解約了幾乎拿不回半毛錢
除非等到這一年過後 再退保才有所謂的保單價值金(解約金)
真的是這樣子!?
這樣不就等於如果我現在解約
既拿不回半毛錢 而且剩下來的分期卻還是要把它付完...!?
有這樣的合約??
再來我的業務和我去櫃檯現場辦理解約的人 兩邊講法還完全不一樣
前者說我完全拿不回 後者說可以拿回我合約上面所寫的金額
而且所謂的分期
在我的印象中是銀行先借貸一筆金額給我讓我付給賣方
後來不管怎麼樣 分多少期、分期的金額是我與銀行之間的問題不是嗎!?
為什麼業務跟我講說因為我是分期
所以我是一期一期把錢從銀行存進他們三商那邊去
這又讓我產生了疑問...應該不是這樣子吧?
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※ 發信站: 批踢踢實業坊(ptt.cc)
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