11/10/2026
买房时，大家都会算：
首期多少？每个月供多少？🏡
但还有一个问题值得想：
如果有一天，因为身故或永久完全伤残，无法继续供房，剩下的房贷怎么办？
这就是房贷保障的作用。
常听到的 MRTA 和 MLTA，简单来说👇
🔹 MRTA：保额会逐步减少
通常按一开始约定的时间表递减，主要用来帮助偿还房贷。
🔹 MLTA：保额通常保持固定
即使房贷越供越少，保额一般仍维持不变。赔款如何用来还贷款、有没有余额留给家人，就要看保单和银行转让安排。
至于有没有现金价值、能不能加疾病保障，以及换房后能不能继续使用，都要看具体计划，不是每一份都一样哦 😊
选择时，除了比较价格，也要看：
💭 保障够不够、保多久？
💭 每个月的预算负担得起吗？
💭 除了房贷，家人的生活费有没有安排？
没有一份适合所有人的方案，重点是配合你的预算和家庭需要 🤍
准备买房，或已经有房贷保障却不太清楚内容？
可以找我一起看懂，再慢慢决定，不用急 😊
想更了解 MRTA 和 MLTA 的差别？
留言「房贷」🏡 我把资料发给你，慢慢看懂再决定 🤍
#房贷保障 #首次买房 #家庭保障
When buying a home, we usually calculate:
How much is the downpayment? How much is the monthly installment? 🏡
But there’s another question worth thinking about:
If you pass away or become totally and permanently disabled, how would the remaining home loan be paid?
That’s where mortgage protection comes in.
You’ve probably heard of MRTA and MLTA. Here’s the simple difference 👇
🔹 MRTA: The coverage amount gradually decreases
It usually reduces according to a schedule set at the start, helping to pay off the home loan.
🔹 MLTA: The coverage amount generally stays fixed
Even as you pay down your loan, the coverage generally stays the same. How the payout is used to settle the loan, and whether any balance goes to your family, depends on the policy and its arrangement with the bank.
Cash value, additional illness coverage and whether you can keep using the policy when moving home all depend on the plan. They’re not the same for every policy 😊
Besides comparing prices, ask yourself:
💭 Is the coverage enough, and how long does it last?
💭 Can I comfortably afford the premiums?
💭 Besides the home loan, are my family’s living expenses covered?
The right choice depends on your budget and your family’s needs 🤍
Want to understand MRTA and MLTA better?
Comment “HOME” 🏡 and I’ll send you the info. Take your time to understand before deciding 🤍
