组屋如果一方发生意外，剩余贷款怎么办？
新加坡HDB组屋，只要您有用到CPF支付房贷，并且身体健康，就会自动投保房屋贷款保障计划（HPS），以防万一。然而，您的HPS覆盖率真的足够吗？如果夫妻共同持有房产，HPS的比例分配是否能确保意外发生时家庭财务无压力？本视频将为您解答HPS的运作方式、如何查询自己的保障比例，以及如何调整HPS以获得更全面的房贷保护。
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What Happens to Your HDB Loan If One Owner Encounters an Unexpected Event?
In Singapore, as long as you use CPF to pay for your HDB home loan and are in good health, you will be automatically enrolled in the Home Protection Scheme (HPS) to safeguard against unforeseen circumstances. But is your HPS coverage truly sufficient? If you co-own the property with your spouse, is your HPS coverage ratio structured to ensure financial security for your family in case of an emergency? This video will explain how HPS works, how to check your coverage ratio, and how to adjust it for more comprehensive mortgage protection.