Under the assumptions that the unpaid money is a constant and the house price is driven by an It process, introducing the Martingale Pricing Method, we obtain the pricing formulas of the mortgage insurance.%假设未偿付额可由风险信用评估得到，房产价格服从一般Ito过程，构建了抵押贷款共同保险的数理评价模型，利用Martingale评价方法，得到了房屋抵押贷款共同保险的精确定价公式。
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