近年來全球受到Covid-19疫情衝擊，造成人類生活型態變更。民生經濟百業蕭條，各國政府為了推出紓困措施而紛紛實施利率寬鬆政策，利率不斷下降，因而刺激了買房需求，房屋貸款的數字也因此隨之上升。Covid-19對人類來說是一種未知的風險，保險因能夠移轉風險，故保險需求應該會上升。房貸壽險為近年來多家銀行所主推針對房貸族設計的壽險商品，房貸族因為害怕染疫導致死亡，而家人無力償還房貸。故房貸族可以透過投保房貸壽險來保障家人，移轉Covid-19染疫造成死亡的風險，因此房貸族對房貸壽險的需求應該會上升。本研究將探討Covid-19是否影響房貸族購買房貸壽險的意願，及投保金額是否因為Covid-19所造成的不確定性而增加。 本研究以二元羅吉斯迴歸分析貸款者特性變數、銀行核貸之貸款條件變數等是否影響房貸者購買房貸壽險的意願及投保金額。根據實證結果顯示，疫情爆發後投保房貸壽險件數上升，但投保比率下降，推估係因疫情後我國央行實施利率寬鬆政策，房貸利率下降造成購屋者成本下降，使房貸申請件數上升。雖然疫情增加大眾的風險意識變高，惟房貸申請件數上升的比率大於投保房貸壽險件數上升的比率，故投保比率反較疫情前下降。 ;In recent years, the world has been impacted by the Covid-19 epidemic, resulting in changes in human life patterns. People′s livelihoods and economy are sluggish. Governments of various countries have implemented interest rate-easing policies to introduce relief measures. Interest rates have continued to fall, thus stimulating the demand for housing purchases, and the number of housing loans has also increased accordingly. Covid-19 is an unknown risk to humanity, and insurance should increase demand due to its ability to transfer risk. Many banks have recently promoted mortgage life insurance as a life insurance product designed for mortgage borrowers. The mortgage borrowers are afraid of dying from the epidemic, and the family cannot repay the mortgage. The mortgage borrowers can protect their families by purchasing mortgage life insurance and transfer the risk of death caused by Covid-19 infection. Therefore, the demand for mortgage life insurance should increase. This study will explore whether Covid-19 has affected the willingness of mortgage borrowers to purchase mortgage life insurance and whether the amount of insurance has increased due to the uncertainty caused by Covid-19. This study uses logistic regression to analyze whether the borrower′s characteristics and the loan condition variables of the bank′s approved loan affect the mortgagee′s willingness and the amount of insurance to purchase mortgage life insurance. According to empirical results, after the epidemic outbreak, the number of insured mortgage life insurance increased, but the insurance coverage ratio decreased. It is presumed that after the epidemic, the central bank implemented an interest rate easing policy, and the decline in mortgage interest rates has caused the cost of house buyers to decrease, leading to an increase in the number of mortgage applications. Although the risk awareness of the public has increased due to the increase in the epidemic, the rise in the number of mortgage applications is greater than the increase in the number of mortgage life insurance, so the insurance coverage rate has dropped compared to before the epidemic.
