Mikhayil Manchurak
“BIN Insurance”, Director General
One of the factors which may increase the demand for mortgage insurance is insurers’ offer of new insurance products including the risks, which interest both the banks and the debitors. First of all, undoubtedly, one of such risks is the loss of the job position by debitor. Currently more frequent are applications addressed to our insurance company by debitors, who have taken mortgage loan and want to sign an insurance contract for the case of their loss of job position (though the bank-creditor does not oblige to insure the given risk).
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Evgeniya Samardak
MDM Bank, Head of Retail Business Department
In our view general insurance should take its next in turn step for development and pass towards the following types of insurance:
- debitor’s passing away for any cause (in that case the payment is made only upon presenting the evidence on death);
- debitor’s bankruptcy – as a physical entity. The legislation of RF hasn’t yet developed a discrete stand in this issue: - insurers can study the given procedure and already in the stage of lawmaking process may develop conditions which are needed for comfortable implementation of this product;
- active advancement of such mechanisms into population (presentations, workshops, forums, media publications, participations in special rubrics, etc.).
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Oleg Komlik
DeltaCredit Bank, Head of department of bank-partners cooperation
There is proved standard method to make such product attractive for banking society, being more precise it is creating extra preferences for banks on their mortgage loan portfolios additionally secured by mortgage insurance.
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