[請益] 關於辦房貸綁壽險消失
雖說金管會已規定銀行不得勸誘銷售換取低利優惠等
但小弟辦房貸還是經不起銀行明示暗示 簽下房貸壽險
而確實目前核貸成數與利率也符合需求
進一步訊問是否和購買房貸壽險有關?
行員回答當然有加分效果 不然成數無法如此高
後續問題來了
回家左思右想 覺得很後悔 畢竟還是不需要房貸壽險
但也怕像銀行說的當初不簽壽險恐怕根本就不會過件
而目前雖然核貸 但若撥款後
我去和壽險行庫提出撤銷契約(十天內)
會不會造成房貸銀行有什麼不良反應
怕會不會要求清償或降低成數之類陰招
且房貸壽險是躉繳 由銀行另貸我一筆壽險金額
若撤銷契約 錢是還銀行?還是撥回我戶 再續繳分期?
懇請有經驗前輩分享心得
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