作为家庭或个人,在生产、生活过程中,住房、财产以至人身安全有可能遭遇自然灾害或意外事故,造成财产损失、住房损失或人身伤亡,使正常生活大受影响。所以一些购房者在投资买房时,也十分注重对风险防范的投资——购买保险,这也是自我保护的一种必要方式。一些以抵押贷款购房者为防范购房后家庭遭受意外变故而难以按期偿付银行贷 As a family or individual, natural disasters or accidents may occur in housing, property and personal safety during the course of production or life, resulting in loss of property, loss of housing or personal injury, which will greatly affect normal life. So when buying home, some home buyers also pay great attention to investing in risk prevention - buying insurance, which is also a necessary way to protect themselves. Some homebuyers with mortgage loans are hard-pressed to pay their bank loans on schedule