可以问一下HPS是在买HDB,需要强制性购买吗
我们最近买了resale HDB, 为什么没有任何一步有人给我们讲需要多买这个了?
如果要用自己的人寿险替代HPS的话
参考CPF网页:
You can apply for HPS exemption if you already have one or more of the following insurance policies:
Whole Life
Term Life
Endowments
Life Riders (must be attached to a basic policy)
Mortgage Reducing Term Assurance (MRTA) / Decreasing Term Rider
These policies must cover your outstanding housing loan up to the full term of loan or 65 years old, whichever is earlier, in the event of death, terminal illness or total permanent disability.
Your exemption from HPS may be revoked if any of the insurance policies used for the exemption is discontinued or altered. Subsequently, the Board would extend a HPS cover to you based on the declared percentage that you were exempted for, subject to the Board’s terms and conditions. If you wish to be exempted from HPS again, you will need to reapply for it.