什么是贷款违约保险(Default Insurance)?

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Kathy Wang

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加拿大的法律规定,银行只能为合格的购房者提供最多达房价80%的按揭贷款。这就是说购房者的首付款至少要达到20%。如果想获得更高比例的贷款,就必需购买贷款违约保险(Mortgage Default Insurance)。贷款的违约保险让购房者可以更早买到房子并开始拥有产权。有些时候,即使购房者可以支付多于20%的首付款,如果物业位于偏僻的区域或借款人是属于特殊贷款项目(例如新移民、自雇人士等)的较高风险者,那么也需要购买违约保险。

违约保险(也叫贷款保险)就是在贷款违约发生时用来赔偿银行(放贷方)损失的一种保险。 违约保险在借款人无力偿还贷款时为银行提供保障。如果借款人违约,保险公司会监督所有法律诉讼程序并执行付款。此外,保险公司还会赔偿银行在物业拍卖和费用付清后所得的金额与贷款余额之间的差额。违约借款人对该差额保留偿还责任,放贷方和保险公司可以在物业拍卖后继续追究借款人偿还差额。

违约保险费率

贷款的违约保险费是由借款人付给银行,再在贷款放款之后由银行付给保险公司。通常银行会将保险费加在贷款本金的总额上,然后按与贷款相同的摊销期和利率计算月供额,再由借款人分期偿还。

违约保险费是按照贷款本金的标准费率比例来进行计算的。保费比率由贷款比例LTVLoan to Value)来确定。LTV是贷款本金与房价之间的比率。首付越高,LTV越低。

下表是目前的标准保险费率,仅供参考。(具体保险费率会根据具体贷款类别在此标准费率的基础上有相应调整。)


标准违约保险费率

LTV

保险费率

Up to 65%

0.60%

65.01% - 75%

0.75%

75.01% - 80%

1.25%

80.01% - 85%

1.80%

85.01% - 90%

2.40%

90.01% - 95%

3.60%


保费计算实例

贷款金额:$500,000

Loan to Value: 90%

保险费率:2.4%

应付保费:$500,000*2.4%=$12,000


提供违约保险的保险公司

加拿大有三家保险公司可以提供违约保险:

具体产品信息,可以在各保险公司网站上查询。


需要购买违约保险时请了解以下信息

1.有违约保险的贷款摊销期通常最长25年。

2.当需要携带贷款到新物业时,如果继续在原有保险公司投保,则保险公司通常也是允许携带的,但请提前跟保险公司确认。

3.保险公司是由银行而非借款人来选择的。 

 (本文仅代表个人观点)

如有问题欢迎随时致电Scotiabank房贷专家Kathy(王雷) 647-291-7958,或加微信kathywl


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