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什么是贷方抵押贷款保险?


贷方抵押贷款保险(LMI)可以帮助您加速实现购房目标,使您无需攒够20%的首付就能更快拥有自己的房产。

贷方抵押贷款保险(LMI)可在您无法偿还房贷,且贷方无法通过出售抵押房产来收回未偿还贷款金额的情况下,保护贷方免受潜在的损失。有了 LMI 保障,贷方愿意向首付款较低的购房者提供更多贷款。

这使得想要以低于 20% 的首付购房的人更容易获得贷款。

贷方可能会把 LMI 的费用转嫁给您。您可以通过多种灵活的方式向贷方支付 LMI 费用——可以选择一次性预付费用、将金额计入贷款,或每月支付一笔 LMI 费用。
贷方抵押贷款保险(LMI)可在您无法偿还房贷,且贷方无法通过出售抵押房产来收回未偿还贷款金额的情况下,保护贷方免受潜在的损失。有了 LMI 保障,贷方愿意向首付款较低的购房者提供更多贷款。

这使得想要以低于 20% 的首付购房的人更容易获得贷款。

贷方可能会把 LMI 的费用转嫁给您。您可以通过多种灵活的方式向贷方支付 LMI 费用——可以选择一次性预付费用、将金额计入贷款,或每月支付一笔 LMI 费用。

获取。

与我们一起简化复杂的流程,更快实现您的购房目标。
首付比较估算器
首付比较估算器

您的首付款选择

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LMI 费用估算器
LMI 费用估算器

估算您的LMI费用

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偿还能力估算器
偿还能力估算器

了解您的贷款偿还能力

了解详情

Copyright ©2024 Helia Group Limited ABN 72 154 890 730. All rights reserved. Contact us for more information.

Helia Group Limited acknowledges the Traditional Custodians of the lands on which we operate and pay our respects to Elders past and present. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which we operate and where our team members reside.

 

Important Information

The information contained on this website is general information. It does not constitute legal, tax, credit or financial advice, and is not tailored to a borrower’s specific circumstances. Borrowers should consider their own personal circumstances and seek advice from their professional advisers before making any decisions that may impact their financial position.

Helia is not a ‘credit provider’, as that term is defined in the National Consumer Credit Protection 2009 (Cth) in respect to its provision of LMI. LMI is insurance that protects credit providers, not borrowers, and cannot be provided directly to borrowers. The information provided does not refer to a credit contract with any particular credit provider.