什么是私人按揭pp王者电子官网?
Depending on your down payment, private mortgage insurance (PMI) may be required. 我们将带您了解PMI基础知识.
私人按揭pp王者电子官网, 称为PMI, is generally required if your down payment is less than 20% of the cost of the home. We offer insight into what PMI is, how much it may cost 和 what you can do to stop paying PMI.
什么是PMI?
Lenders consider you to carry more risk if you make a 首付款低于20% of your home's cost. For borrowers with relatively little equity in their home, 贷款人需要私人抵押贷款pp王者电子官网, 或采购经理人指数, to protect them if you fail to make payments on your loan.
平均PMI信息截至2021年:
- Over 37 million homeowners have been assisted by PMI.
- The average loan with PMI was around $330,000.
- 超过43% of the insured market included loans with PMI.
私人按揭pp王者电子官网vs. 房产pp王者电子官网
Often times private mortgage insurance is mistaken for 房产pp王者电子官网. PMI assists with securing a mortgage with a 首付款低于20%, while 房产pp王者电子官网 helps protect your property when it is damaged in a covered loss.
PMI的成本是多少?
If your down payment will be less than 20%, PMI premium payments will likely be part of your monthly loan payment amounts for a while. 你要付多少钱取决于 你的贷款规模, 你的首付款金额 和 your 信用评分. 根据Houzeo的说法， 平均采购经理人指数 通常范围为0.每年贷款金额的1%到2%.
- 例如:23.5万美元的贷款，带有0.75%溢价= $1,762.每年50美元或额外146美元.每月88元
摆脱PMI
Once the outst和ing principal on your loan reaches 80% of your home's value, you can 要求你的银行取消PMI under these conditions:
- 您以书面形式要求取消
- You have made your payments on time 和 the loan is current
- You haven't used the home to secure additional loans, like a second mortgage
自动取消
如果你按时付款, your lender may automatically cancel your PMI when the remaining loan principal reaches 78% of your home's original value.
For more information on lending, read about 要问你的抵押贷款人的问题.
