加拿大CMHC房屋贷款保险
Canada CMHC Mortgage Loan Insurance
如果你的购房首付少于20%，贷款高于80%时，贷款公司一般会要求你向Canada Mortgage and Housing Corporation (CMHC，加拿大按揭与房屋公司）购买房屋贷款保险。在万一你付不起房屋贷款，贷款公司收回并出售你的房屋仍不能得到全部贷款额补偿时，CMHC将支付贷款公司的损失。通过这种方式，只要你的收入符合要求，贷款公司有可能同意最高贷款95%给你。CMHC是一个政府拥有的公司，成立于1946年。
在财务规划中，我们建议客户尽可能避免发生要向CMHC购买房屋贷款保险的情况，因为这个保险费用相对于贷款额而言并不便宜。即使是将其放到贷款中慢慢归还，而不需要立即筹集这笔资金，但仍会增加你以后供款的负担。以下是CMHC房屋贷款保险的费率。进一步详细资讯可参考CMHC的网站：CMHC Mortgage Loan Insurance，也可向我们询问。
| Loan-to-Value 贷款百分比 |
Premium on Total Loan 保费为总贷款额百分比 |
Premium on Increase to Loan Amount for Portability and Refinance | ||
|---|---|---|---|---|
| Standard Premium 标准保费 |
Self-Employed without 3rdParty Income Validation | Standard Premium 标准保费 |
Self-Employed without 3rdParty Income Validation** | |
| Up to and including 65% | 0.50% | 0.80% | 0.50% | 1.50% |
| Up to and including 75% | 0.65% | 1.00% | 2.25% | 2.60% |
| Up to and including 80% | 1.00% | 1.64% | 2.75% | 3.85% |
| Up to and including 85% | 1.75% | 2.90% | 3.50% | 5.50% |
| Up to and including 90% | 2.00% | 4.75% | 4.25% | 7.00%* |
| Up to and including 95% | 2.75% | N/A | 4.25%* | * |
| 90.01% to 95% — Non-Traditional Down Payment*** |
2.90% | N/A | * | N/A |
| Extended Amortization Surcharges | ||||
| Greater than 25 years, up to and including 30 years: 0.20% Greater than 30 years, up to and including 35 years: 0.40% |
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