请问贷款90%的话保险一般是多少？

float · 发表于 2014-5-31 06:09:40

虽然定了预算，但是看了好房子后还是动心，想多贷点
想问一下保费一般是多少？据说是可以直接加在loan里

lry-jdtj · 发表于 2014-5-31 06:24:07

$7000
听我经纪人说的

float · 发表于 2014-5-31 08:01:01

lry-jdtj 发表于 2013-6-15 21:54

$7000
听我经纪人说的
7000还好
但是看到有人说交了1万多的

PatrickGuo · 发表于 2014-5-31 08:38:12

除了跟LVR有关系外，还跟loan amount有关。
google lmi rate card，有个表格一看就明白了

float · 发表于 2014-5-31 08:49:57

How much is mortgage insurance? (reference tables)
TABLE 1: TYPICAL LMI TABLE - FULL DOCUMENTATION LOANS
LVR band       Loan amount up to
$300,000       Loan amount
$300,001 - $600,000       Loan amount
$600,001 - $1,000,000
80.01% - 82%       0.41%       0.52%       0.72%
82.01% to 84%       0.61%       0.78%       1.01%
84.01% to 86%       0.76%       0.99%       1.25%
86.01% to 88%       0.91%       1.18%       1.50%
88.01% to 90%       1.22%       1.60%       2.02%
90.01% to 92%       1.68%       2.20%       3.31%
92.01% to 94%       1.89%       2.47%       3.56%
94.01% to 95%       2.10%       2.74%       3.76%
(unlikely to be approved)
TABLE 2: TYPICAL LMI TABLES - LO DOC LOANS
LVR band       Loan amount up to
$300,000       Loan amount
$300,001 - $600,000       Loan amount
$600,001 - $1,000,000
60.01% to 70%       0.33%       0.49%       0.93%
70.01% to 80%       0.59%       0.81%       1.54%