{"id":13238,"date":"2022-08-04T01:50:00","date_gmt":"2022-08-04T01:50:00","guid":{"rendered":"https:\/\/hypothequerapide.com\/assurance-hypothecaire\/"},"modified":"2024-05-25T02:22:54","modified_gmt":"2024-05-25T02:22:54","slug":"what-is-cmhc-mortgage-insurance","status":"publish","type":"post","link":"https:\/\/hypothequerapide.com\/en\/our-blog\/2022\/08\/04\/what-is-cmhc-mortgage-insurance","title":{"rendered":"What is CMHC mortgage insurance?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"13238\" class=\"elementor elementor-13238 elementor-13228\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47c6be8 e-flex e-con-boxed e-con e-parent\" data-id=\"47c6be8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9034076 elementor-widget elementor-widget-text-editor\" data-id=\"9034076\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA <strong>mortgage loan<\/strong> provides you with the money you need to buy your <strong>home<\/strong>. Depending on the <strong>amount<\/strong> of money you have available for the <strong>purchase<\/strong>, you may be required to take out <strong>mortgage default insurance<\/strong>. The Canada Mortgage and Housing Corporation <strong>CMHC <\/strong>is the main institution that can offer you this <strong>insurance<\/strong>. Find out more about <strong>CMHC mortgage insurance<\/strong> from your broker.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3448ebb elementor-widget elementor-widget-heading\" data-id=\"3448ebb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is CMHC?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c0afe1 elementor-widget elementor-widget-text-editor\" data-id=\"0c0afe1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>CMHC <\/strong>has a history of over 75 years. Its beginnings date back to the aftermath of the Second World War. Its objectives at the time were to help veterans solve their housing problems. Throughout its evolution, its vocation has remained largely the same, namely to work in the housing sector, but its missions now extend to most of the Canadian population.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab5ed4 elementor-widget elementor-widget-text-editor\" data-id=\"7ab5ed4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAlthough it is an independent company, <strong>CMHC <\/strong>now operates under the aegis of the Canadian government. One of the main objectives of this Crown corporation is to facilitate access to housing for all. How does <strong>CMHC <\/strong>help mortgage borrowers? CMHC&#8217;s benefits reduce the cost of <strong>mortgages <\/strong>through the provision of <strong>insurance <\/strong>to borrowers.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ec1e1c elementor-widget elementor-widget-text-editor\" data-id=\"9ec1e1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKnown for its mortgage <strong>insurance <\/strong>for borrowers. In <strong>Canada<\/strong>, the establishment is one of the most experienced of the three insurers that provide <strong>mortgage insurance<\/strong> to borrowers.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83383dc elementor-widget elementor-widget-text-editor\" data-id=\"83383dc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With\u00a0<strong>CMHC mortgage insurance<\/strong>, the benefits promised to borrowers are numerous, starting with the interest\u00a0<strong>rate<\/strong>\u00a0of their\u00a0<strong>credit<\/strong>. In many cases, an insured mortgage has a lower interest rate than one that is not protected by insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fe561f elementor-widget elementor-widget-heading\" data-id=\"5fe561f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When do I need mortgage insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea9777f elementor-widget elementor-widget-text-editor\" data-id=\"ea9777f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A\u00a0<strong>mortgage loan<\/strong>\u00a0allows a borrower to finance a real estate project. This financing provides only a portion of the cash needed to\u00a0<strong>purchase<\/strong>\u00a0a\u00a0<strong>property.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bf16e4 elementor-widget elementor-widget-text-editor\" data-id=\"6bf16e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The borrower must personally participate in the\u00a0<strong>purchase<\/strong>\u00a0through a\u00a0<strong>down payment<\/strong>. In\u00a0<strong>Canada<\/strong>, the\u00a0<strong>mortgage loan<\/strong>\u00a0can finance up to 95% of the project, with the remaining 5% coming from the\u00a0<strong>down payment<\/strong>\u00a0made by the borrower.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed91c05 elementor-widget elementor-widget-text-editor\" data-id=\"ed91c05\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When the\u00a0<strong>down payment<\/strong>\u00a0is between 5% and 20% of the value of the\u00a0<strong>mortgage<\/strong>,\u00a0<strong>mortgage loan insurance<\/strong>\u00a0becomes mandatory. For a $450,000\u00a0<strong>mortgage<\/strong>, for example, there are two possible scenarios:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a2547 elementor-widget elementor-widget-text-editor\" data-id=\"a6a2547\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>the borrower&#8217;s\u00a0<strong>down payment<\/strong>\u00a0is 20% or more, or a minimum of $90,000, no mortgage\u00a0<strong>insurance<\/strong>\u00a0is required;<\/li><li>the borrower&#8217;s\u00a0<strong>down payment<\/strong>\u00a0is between $22,500 and $90,000, or between 5% and 20%: the borrower must approach\u00a0<strong>CMHC<\/strong>\u00a0to purchase mortgage\u00a0<strong>insurance<\/strong>.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f57bdc8 elementor-widget elementor-widget-heading\" data-id=\"f57bdc8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who can provide mortgage insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35625fa elementor-widget elementor-widget-text-editor\" data-id=\"35625fa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>CMHC<\/strong>\u00a0is the primary provider of mortgage\u00a0<strong>insurance<\/strong>\u00a0to Canadian borrowers. Two other private sector institutions also provide equivalent\u00a0<strong>mortgage insurance<\/strong>\u00a0offerings:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffd7f11 elementor-widget elementor-widget-text-editor\" data-id=\"ffd7f11\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Sagen, formerly known as Genworth Financial;<\/li><li>and\u00a0<strong>Canada<\/strong>\u00a0Guaranty.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96e72bb elementor-widget elementor-widget-heading\" data-id=\"96e72bb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CMHC eligibility requirements<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1226d69 elementor-widget elementor-widget-text-editor\" data-id=\"1226d69\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Several conditions must be met to obtain mortgage\u00a0<strong>insurance<\/strong>\u00a0from\u00a0<strong>CMHC<\/strong>. Some general criteria must first be met:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7217d9 elementor-widget elementor-widget-text-editor\" data-id=\"b7217d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>the mortgage financing is taken out for the\u00a0<strong>purchase<\/strong>\u00a0or renovation of a property located in\u00a0<strong>Canada<\/strong>;<\/li><li>the maximum\u00a0<strong>amount<\/strong>\u00a0of the\u00a0<strong>mortgage loan<\/strong>\u00a0must be less than $1,000,000<\/li><li>the production of a personal\u00a0<strong>down payment<\/strong>\u00a0of at least 5% of the\u00a0<strong>amount<\/strong>\u00a0of the property is required if its value is less than or equal to $500,000. When the\u00a0<strong>price<\/strong>\u00a0of the property exceeds $500,000, the\u00a0<strong>down payment amount<\/strong>\u00a0is the sum of 5% of the first $500,000 and 10% of the excess;<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00f07bd elementor-widget elementor-widget-text-editor\" data-id=\"00f07bd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Borrowers planning to purchase\u00a0<strong>CMHC<\/strong>\u00a0loan\u00a0<strong>insurance<\/strong>\u00a0must furthermore verify several conditions regarding their resources and the impact of the\u00a0<strong>mortgage<\/strong>\u00a0on their income:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6018e02 elementor-widget elementor-widget-text-editor\" data-id=\"6018e02\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>have a maximum gross debt\u00a0<strong>amortization<\/strong>\u00a0ratio of 39% ;<\/li><li>have a maximum\u00a0<strong>total amortization<\/strong>\u00a0ratio of 44%;<\/li><li>have a minimum\u00a0<strong>credit<\/strong>\u00a0score of 600.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc45c4e elementor-widget elementor-widget-text-editor\" data-id=\"dc45c4e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>These conditions are not exhaustive and the institution reserves the right to use other methods to establish the creditworthiness of mortgage applicants. These criteria apply only to the purchase of mortgage\u00a0<strong>insurance<\/strong>\u00a0from\u00a0<strong>CMHC<\/strong>. For the other two insurance agencies, the conditions may vary and may be more flexible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c010346 elementor-widget elementor-widget-heading\" data-id=\"c010346\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who benefits from this insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f9642a elementor-widget elementor-widget-text-editor\" data-id=\"3f9642a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mortgage\u00a0<strong>insurance<\/strong>\u00a0is\u00a0<strong>put in place<\/strong>\u00a0to repay the mortgage balance to the lending institution in the event of the borrower&#8217;s default. You pay the\u00a0<strong>insurance premium<\/strong>\u00a0as the insured even though you do not receive any compensation in the event of an inability to repay.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e66b9b2 elementor-widget elementor-widget-text-editor\" data-id=\"e66b9b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The mortgage\u00a0<strong>insurance<\/strong>\u00a0thus benefits the mortgage lender. If the borrower defaults, the lending institution will foreclose on the mortgaged property and put it up for sale to recover the balance of\u00a0<strong>the loan<\/strong>. In the event that the funds received from the\u00a0<strong>sale<\/strong>\u00a0are insufficient to pay off the balance in full,\u00a0<strong>CMHC<\/strong>\u00a0assumes its obligation and pays the lending institution the difference.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f09aa elementor-widget elementor-widget-heading\" data-id=\"c2f09aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The cost of this insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db0f13e elementor-widget elementor-widget-text-editor\" data-id=\"db0f13e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The borrower is responsible for\u00a0<strong>paying<\/strong>\u00a0the cost of\u00a0<strong>mortgage loan insurance<\/strong>. At\u00a0<strong>CMHC<\/strong>, the cost of insurance depends on the size of the\u00a0<strong>down payment<\/strong>. The amount of the\u00a0<strong>CMHC mortgage loan insurance premium<\/strong>\u00a0varies from 0.60% to 6.30% of the loan value, depending on the proportion of the\u00a0<strong>down payment<\/strong>\u00a0made by the borrower.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2da1d1 elementor-widget elementor-widget-text-editor\" data-id=\"d2da1d1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The smaller the down payment, the higher the premium. For example, for a mortgage with a down payment between 10 and 14.99%, a mortgage insurance premium of approximately 3.10% of the total loan amount is charged.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09229c6 elementor-widget elementor-widget-text-editor\" data-id=\"09229c6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>However, the price of mortgage insurance decreases as the down payment increases. For example, if the borrower contributes 20 to 24.99% of the total amount of the mortgage with his or her own money, the price of mortgage insurance drops to 2.40% of the total amount borrowed. The\u00a0<span style=\"text-decoration: underline; color: #60bb46;\"><a style=\"color: #60bb46; text-decoration: underline;\" href=\"https:\/\/www.cmhc-schl.gc.ca\/fr\/consumers\/home-buying\/mortgage-loan-insurance-for-consumers\/cmhc-mortgage-loan-insurance-cost\" target=\"_blank\" rel=\"noopener\">cost of SHCL mortgage insurance<\/a><\/span>\u00a0is available on the company&#8217;s website.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A mortgage loan provides you with the money you need to buy your home. Depending on the amount of money you have available for the purchase, you may be required to take out mortgage default insurance. The Canada Mortgage and Housing Corporation CMHC is the main institution that can offer you this insurance. Find out [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13230,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[105],"tags":[155,154,134],"class_list":["post-13238","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en","tag-cmhc","tag-insurance","tag-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is CMHC mortgage insurance? - Multi-Pr\u00eats MR Mathieu Lebrun&#039;s Team<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hypothequerapide.com\/en\/our-blog\/2022\/08\/04\/what-is-cmhc-mortgage-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is CMHC mortgage insurance? - Multi-Pr\u00eats MR Mathieu Lebrun&#039;s Team\" \/>\n<meta property=\"og:description\" content=\"A mortgage loan provides you with the money you need to buy your home. 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