CMHC ??????? ? ????????? ?????? ?? ????????? ?????????? ? ??????? ??????


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??? ????????, ??? ???????, ?????????? ???????????? ? ????????? ?????????????, ????? ??????? ?????? ???????????? ??????????????? ?????????. ???????, ??? ????????? ????? ????????? ? ????????? ? ????????? ?? 25 ???. ? ??? ????? HST ?? ??? ???????? ????????? ?????, ??? ???????? ??????. ? ????? ??? ???????? ?????????? ?????? ?? ?????????? ???????, ???? ? ??? ?????? ?????? ?? ?????: ???????? ??? ?????, ? ????? ??? ??????? ????? ??? ????.

?????? ?????????? ??????? ???????? ???? ?????? ?????, ????? ????????? ? ?????????? ????? ?? ???????? ???????????? ?????????. ??? ??? ? ??????? ????????? ?????????? ?????? ?? ????? ?????? ?????? ?????, ????????? ? ??????? ?????????? ? ???????????????? ?????.

? ???, ???????????, ??????? ??????? ?????? ????? 20% ? ?????, ??? ????????? ?? ????????? ???????? ??, ???… ?????? ????? ????? ???????????? ??????? ????? ???????????????? ?????????????, ? ???????? ???????? ???? ???????? ??????? ??????????? ???????????.

???? ?? ???????? ?????????? ??? ? ?????? ????????? ???? ?????? ??????? ?????? ????? ?? ????? ???, ??? ????? ?? ?????????, ???? ??????? ?? ????? ?? 1 ???! ? ??? ???? ???? ??????? ???? ???????????? ??????? ? ???????????.

?????? ????? ???????????? ????? ????????? ??????????: ??? ?????? ????? ??????? ?????, ?? ????? ?? ??????????? ????????? ?? ????? ?????, ???? ???-???? ??????? ?? ???????? ????????? 6 ??? (?? ??? ????? ??????? ?????????????? ????????? ?????????? 5 ???) ??????????, ??? ???? ?? ??????. ???? ??? ????? ???????? ?? ?????, ? ?????? ??????????, ?.?. ?????????? ??????????? ??????. ? ????????? ??? ????? ???????????? ? ????? ????????, ???? ????????? ? ?????????? ??????????, ?… ???? ????? ???? ?????.

???????? ? ?????? ??????? ????? ?????? ????????, ??????? ??????????? ????????? ??????? ????????????.

????????? ?? ????????????, ? ?? ??????? ?????? ???????????? ????? ????????????.

????????: spravka.ca

?????? ????????????? ?????????

???????? ???????????, ????? ???????, ????????? ?? ????????? ?????????? ??????? (mortgage default insurance), ????????????? ??? ????, ????? ???????? ?????????? ???????? ? ??? ??????, ???? ?? ?? ? ????????? ???????? ?????????? ??????. ????? ???????, ??? ?? ????? ???????? ????????? ? ?????? ?????? ????????.

??? ?????????? ???????? ???????? ?????????, ???? ??? ?????????????? ????????? ?????? (mortgage downpayment) ?????????? ????? 20% ?? ????? ????????? ????. ? ????? ?????? ?? ????????? ?????????????? ???????? (high-ratio mortgage).

???? ?? ?? ?????? ???? ?????????, ??? ???????, 20%-?? ?????????????? ?????, ?? ??? ?????? ???????????????? ???????? (conventional mortgage). ? ????? ?????? ??????????? ?? ???????? ??????? ?????? ?? ???????? ????????????. ? ?? ?? ?????, ????? ???? ? ????????? ??????????, ????????, ???? ? ??? ??? ?????????? ??????????????? ???????????????? ??????.

?

??? ????? ???????????? ??? ???????? ??????????

? ?????? ???? ??? ???????? ?????????? ?????????, ??????????????? ????????? ?? ???????? ???????:
??? ?Canada Mortgage and Housing Corporation (CMHC)
??? ?Genworth Financial
??? ?Canada Guaranty Mortgage Insurance Company.

???? ??? ?????????? ???????? ?????? ?????????, ??? ???? ??????? ??? ????????? ? ???? ??????? ?? ????.

??????? ??? ??????

???????, ????? ?? ????????? ?? ???????? ??????? (premium) ??????? ?? ??????? ?????? ??????????????? ???????. ??? ??????, ??? ??????? ????? ?? ??????????????, ??? ??????? ??? ????????? ?????????. ? ????????, ?????? ????? ??????????? ? ???????? ?? 0,5% ?? 3% ?? ????? ????? ???????.
????? ???????????? ???????, ???????????? ??????????? ????? ?? ???????? ????????? ?? ????? ?????? ??????????????? ??????. ??? ??????? ???? 25-???????? ???? ???????????.

??????????? ??????-????????? (LTV) ????? ?? ???????? ????????? (? ????????? ?? ????? ????? ???????)
80% 1.00%
85% 1.75%
90% 2.00%
95% 2.75%

????? ????????, ??? ? ?????? ????? ??????????? ????? ??????????? ????????? ????????? ????? ???? ????????? ????. ????? ????, ???? ?? ????????? ?? ???? (self-employed) ? ? ??? ??? ???????????? ????????????? ?????? ?? ??????? ???, ??? ???????? ?????? ? ?????? ? ?????? ????????? ?????????? (paystub) ??? ????????? ?????????? (Notice of Assessment), ????????? ????????? ????? ???? ??????????? ??????.

?????? ????????? ???????? ???????????

?????? ?????? ?????????????? ???????? ?????? ? ??????? $35,000, ? ??? ?????????? 17,5% ?? ????? ????????? ???? ($200,000). ??? ??????, ??? ?? ????? ?????????? ????? 20%, ??????? ?? ?????????? ???????? ???????? ?????????.

???????????, ???:
??? ?????????? ??????????? ?????????? ? ????? ?????????, ??????? ?????????? $165,000.
??? ?????????? ??????????? ????? 2% ?? ????? ????? ???????.
??? ????? ??????????? ? 25 ???.
??? ??????????? ?????? ????? 5%.

? ?????, ????????? ?? ???????? ??????? ????? ?????? ?? $165,000 x 2% = $3,300. ????? ???????, ????? ????? ????????? ????? $165,000 + $3,300 = $168,300.

?????? ?????? ??????????, ??? ????????? ????????? ????????? ?????? ? $3,300, ? ??? ????????? ????? ???????? ? ????? ????? ?? ???????. ? ??????????, ?? ???????? ???????? ??????? ?????????? ? $960 ?? $979. ????? ???????, ?? ?????????? 25-?? ??? ??????????? ?????? ????????? ????? ?????? ?? ?? $2,458 ?????? ??-?? ?????? ?? ?????????.

????? ????? ?????????, ??? ???? ??????????? ????????? ?? ??????? ? ???????? ?????????? ????????, ? ?????? ????????????? ?????????????? ????????? ???????? ? ???????, ??? ???????? ????????????? ????? ??????, ??????? ??? ????????????, ????????? ???????? ????? ??????????? ????????? ??????. ????? ???????, ???????? ?????????????? 3-6 ??????? ???????? ?? ???????? ?? ????????? (???????????? ????? ??????????? ? ????????? ?????), ???? ?????? ??????? ?? ???? ? ?????? ??????????? ?????????? ???????. ??????? ???? ??? ???????? ??? ?????????? ??????????? ? ???????? ??????? ???????? – ?? ???????????, ????????? ?????? ???????? ??????? ??? ? ???? ? ??????? ??????? ?????????? ???????? ?? ?????? ?? ?????? ????. ???????, ??? ?? ????, ?? ????????? ???????? ?? ?????????????? ??????? ? ??? ??? ? ?????????? ??? ????????, ????? ??? ???? ??????!

????????: mortgagelegko.com