{"id":399071,"date":"2021-09-24T00:22:38","date_gmt":"2021-09-24T07:22:38","guid":{"rendered":"https:\/\/nai500.com\/?p=399071"},"modified":"2021-09-24T00:25:34","modified_gmt":"2021-09-24T07:25:34","slug":"%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%88%bf%e8%b4%b7%e8%bf%9d%e7%ba%a6%e4%bf%9d%e9%99%a9%ef%bc%88cmhc%e4%bf%9d%e9%99%a9%ef%bc%89%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f%e8%b4%b9%e7%8e%87%e6%98%af%e5%a4%9a","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2021\/09\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%88%bf%e8%b4%b7%e8%bf%9d%e7%ba%a6%e4%bf%9d%e9%99%a9%ef%bc%88cmhc%e4%bf%9d%e9%99%a9%ef%bc%89%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f%e8%b4%b9%e7%8e%87%e6%98%af%e5%a4%9a\/","title":{"rendered":"\u52a0\u62ff\u5927\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\uff08CMHC\u4fdd\u9669\uff09\u662f\u4ec0\u4e48\uff1f\u8d39\u7387\u662f\u591a\u5c11\uff1f"},"content":{"rendered":"<p>\u5728\u52a0\u62ff\u5927\uff0c\u5982\u679c\u8d2d\u623f\u9996\u4ed8\u6bd4\u4f8b\u4f4e\u4e8e20%\uff0c\u5c31\u5fc5\u987b\u7f34\u7eb3\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\uff0c\u4e5f\u88ab\u79f0\u4e3aCMHC\u4fdd\u9669\uff0c\u5c5e\u4e8e\u5f3a\u5236\u9669\u3002\u52a0\u62ff\u5927\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u8981\u4fdd\u62a4\u7684\u662f\u94f6\u884c\uff0c\u4ee5\u9632\u8d37\u6b3e\u4eba\u505c\u6b62\u8fd8\u4f9b\u4ee5\u53ca\u62b5\u62bc\u8d37\u6b3e\u8fdd\u7ea6\u7ed9\u8d37\u6b3e\u673a\u6784\u9020\u6210\u51b2\u51fb\u3002CMHC\u4fdd\u9669\u8d39\u5728\u8d37\u6b3e\u4eba\u62b5\u62bc\u8d37\u6b3e\u7684\u65f6\u5019\u5c31\u5168\u989d\u652f\u4ed8\u4e86\u3002<\/p>\n<p>\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u5360\u623f\u8d37\u91d1\u989d\u7684\u6bd4\u4f8b\u57282.8%\u81f34.0%\u4e4b\u95f4\uff0c\u8fd9\u770b\u4e0a\u53bb\u662f\u589e\u52a0\u4e86\u8d2d\u623f\u8005\u7684\u8d1f\u62c5\uff0c\u4f46\u5176\u5b9e\u5bf9\u4e70\u65b9\u662f\u6709\u5229\u7684\u3002\u5982\u679c\u6ca1\u6709\u8fd9\u4e00\u4fdd\u9669\uff0c\u7531\u4e8e\u8fdd\u7ea6\u98ce\u9669\u4e0a\u5347\uff0c\u623f\u8d37\u5229\u7387\u4f1a\u6bd4\u73b0\u5728\u66f4\u9ad8\uff0c\u6240\u4ee5\u53cd\u800c\u4f1a\u589e\u52a0\u8d2d\u623f\u8005\u7684\u6210\u672c\u3002\u76f8\u53cd\uff0c\u6709\u4e86\u8fd9\u4e00\u4fdd\u9669\uff0c\u8fdd\u7ea6\u98ce\u9669\u8f6c\u79fb\u7ed9\u4e86\u623f\u8d37\u4fdd\u9669\u5546\uff0c\u623f\u8d37\u83b7\u5f97\u4e86\u4fdd\u62a4\uff0c\u94f6\u884c\u5c31\u6709\u80fd\u529b\u63d0\u4f9b\u66f4\u4f4e\u7684\u623f\u8d37\u5229\u7387\u3002<\/p>\n<h2>\u52a0\u62ff\u5927\u63d0\u4f9b\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u7684\u673a\u6784\u6709\u54ea\u4e9b\uff1f<\/h2>\n<p>\u76ee\u524d\uff0c\u52a0\u62ff\u5927\u63d0\u4f9b\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u7684\u673a\u6784\u67093\u5bb6\uff0c\u5b83\u4eec\u5206\u522b\u662f\u52a0\u62ff\u5927\u62b5\u62bc\u8d37\u6b3e\u548c\u4f4f\u623f\u516c\u53f8\uff08CMHC\uff09\u3001Genworth Financial\uff0c\u4ee5\u53caCanada Guaranty\u3002<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-399086 lazyload\" data-src=\"https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/3-mortgage-default-insurance.png\" alt=\"\" width=\"1075\" height=\"214\" data-srcset=\"https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/3-mortgage-default-insurance.png 1075w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/3-mortgage-default-insurance-300x60.png 300w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/3-mortgage-default-insurance-1024x204.png 1024w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/3-mortgage-default-insurance-768x153.png 768w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/3-mortgage-default-insurance-800x159.png 800w\" data-sizes=\"(max-width: 1075px) 100vw, 1075px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1075px; --smush-placeholder-aspect-ratio: 1075\/214;\" \/><\/p>\n<h2>\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u7684\u8d44\u683c\u6761\u4ef6<\/h2>\n<p>\u52a0\u62ff\u5927\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u5fc5\u987b\u6ee1\u8db3\u4ee5\u4e0b\u8981\u6c42\u548c\u6761\u4ef6\uff1a<\/p>\n<ul>\n<li>\u53c2\u4fdd\u623f\u8d37\u7684\u6700\u957f\u8fd8\u6b3e\u671f\u9650\u4e3a25\u5e74\u3002<\/li>\n<li>\u5982\u679c\u623f\u5c4b\u4e70\u4ef7\u5728$500,000\u81f3$999,999\u4e4b\u95f4\uff0c\u9996\u4ed8\u6bd4\u4f8b\u8981\u6c42\u66f4\u9ad8\u3002$50\u4e07\u4ee5\u4e0b\u90e8\u5206\u7684\u6700\u4f4e\u9996\u4ed8\u6bd4\u4f8b\u4e3a5%\uff0c\u5269\u4f59\u90e8\u5206\u4e3a10%\u3002<\/li>\n<li>\u4ef7\u683c\u9ad8\u4e8e$100\u4e07\u7684\u4f4f\u623f\u4e0d\u63d0\u4f9b\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\uff0c\u76f8\u5f53\u4e8e\u8fd9\u4e9b\u4f4f\u623f\u7684\u9996\u4ed8\u6bd4\u4f8b\u4e0d\u5f97\u4f4e\u4e8e20%\u3002<\/li>\n<\/ul>\n<p>2020\u5e747\u67081\u65e5\u8d77\uff0c\u4e3a\u4e86\u5e94\u5bf9\u75ab\u60c5\u5bfc\u81f4\u7684\u7ecf\u6d4e\u4e0b\u884c\u51b2\u51fb\uff0cCMHC\u4fdd\u9669\u7684\u8d44\u683c\u6761\u4ef6\u8fdb\u884c\u4e86\u5982\u4e0b\u8c03\u6574\uff1a<\/p>\n<ul>\n<li>\u603b\u507f\u503a\u7387\uff08GDS\uff09\u4f4e\u4e8e35<\/li>\n<li>\u6574\u4f53\u507f\u503a\u7387\uff08TDS\uff0c\u5305\u542b\u5176\u4ed6\u8d1f\u503a\uff09\u4f4e\u4e8e42<\/li>\n<li>\u4fe1\u7528\u5206\u4e0d\u4f4e\u4e8e680<\/li>\n<li>\u9996\u4ed8\u6b3e\u4e0d\u80fd\u662f\u501f\u5165\u8d44\u91d1<\/li>\n<\/ul>\n<h2>\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u8d39\u7387\uff08CMHC\u4fdd\u9669\u8d39\u7387\uff09<\/h2>\n<p>\u60f3\u8981\u786e\u5b9a\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u8d39\u7387\uff0c\u6211\u4eec\u9996\u5148\u8981\u8ba1\u7b97\u9996\u4ed8\u5360\u8d2d\u623f\u603b\u989d\u7684\u6bd4\u4f8b\u3002\u6bd4\u4f8b\u4e0d\u540c\uff0c\u8d39\u7387\u4e5f\u4e0d\u4e00\u6837\u3002<\/p>\n<table width=\"525\">\n<thead>\n<tr>\n<td width=\"131\"><strong>\u8d37\u6b3e\u4ef7\u503c\u6bd4<\/strong><\/td>\n<td width=\"104\"><strong>\u4fdd\u9669\u8d39\u7387<\/strong><\/td>\n<td width=\"290\"><strong>\u53ef\u643a\u5e26\u8d37\u6b3e\u589e\u989d\u4fdd\u9669\u8d39\u7387<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"131\"><strong>*<\/strong><strong>\u4e0d\u9ad8\u4e8e<\/strong><strong>65%<\/strong><\/td>\n<td width=\"104\">0.60%<\/td>\n<td width=\"290\">0.60%<\/td>\n<\/tr>\n<tr>\n<td width=\"131\"><strong>*<\/strong><strong>\u4e0d\u9ad8\u4e8e<\/strong><strong>75%<\/strong><\/td>\n<td width=\"104\">1.70%<\/td>\n<td width=\"290\">5.90%<\/td>\n<\/tr>\n<tr>\n<td width=\"131\"><strong>*<\/strong><strong>\u4e0d\u9ad8\u4e8e<\/strong><strong>80%<\/strong><\/td>\n<td width=\"104\">2.40%<\/td>\n<td width=\"290\">6.05%<\/td>\n<\/tr>\n<tr>\n<td width=\"131\"><strong>\u4e0d\u9ad8\u4e8e<\/strong><strong>85%<\/strong><\/td>\n<td width=\"104\">2.80%<\/td>\n<td width=\"290\">6.20%<\/td>\n<\/tr>\n<tr>\n<td width=\"131\"><strong>\u4e0d\u9ad8\u4e8e<\/strong><strong>90%<\/strong><\/td>\n<td width=\"104\">3.10%<\/td>\n<td width=\"290\">6.25%<\/td>\n<\/tr>\n<tr>\n<td width=\"131\"><strong>\u4e0d\u9ad8\u4e8e<\/strong><strong>95%<\/strong><\/td>\n<td width=\"104\">4.00%<\/td>\n<td width=\"290\">6.30%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>*\u8fd9\u4e9b\u623f\u8d37\u7684\u9996\u4ed8\u6bd4\u4f8b\u90fd\u9ad8\u4e8e20%\u3002\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u8d2d\u623f\u8005\u867d\u7136\u4e0d\u88ab\u8981\u6c42\u7f34\u7eb3CMHC\u4fdd\u9669\u8d39\uff0c\u4f46\u94f6\u884c\u53ef\u4ee5\u9009\u62e9\u6295\u4fdd\uff0c\u4fdd\u8d39\u901a\u5e38\u4ece\u8d37\u6b3e\u4eba\u7684\u623f\u8d37\u4e2d\u6263\u9664\u3002<\/em><\/p>\n<p>\u65e0\u8bba\u662fCMHC\u3001Genworth\u8fd8\u662fCanada Guaranty\uff0c\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u8d39\u7387\u90fd\u662f\u76f8\u540c\u7684\u3002\u53e6\u5916\uff0c\u5982\u679c\u4f60\u4f4f\u5728\u66fc\u5c3c\u6258\u5df4\u7701\u3001\u9b41\u5317\u514b\u7701\u3001\u5b89\u5927\u7565\u7701\u548c\u8428\u65af\u5580\u5f7b\u6e29\u7701\uff0c\u4fdd\u9669\u8d39\u8fd8\u9700\u7f34\u7eb3\u7701\u7ea7\u9500\u552e\u7a0e\u3002\u7701\u7ea7\u9500\u552e\u989d\u65e0\u6cd5\u88ab\u52a0\u5165\u4f60\u7684\u623f\u8d37\uff0c\u9700\u8981\u8d37\u6b3e\u4eba\u4ee5\u73b0\u91d1\u65b9\u5f0f\u9884\u5148\u652f\u4ed8\u3002<\/p>\n<h2>\u5982\u4f55\u8ba1\u7b97\u4f60\u7684\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u8d39\uff1f<\/h2>\n<p>\u4e3e\u4e86\u5b9e\u4f8b\u518d\u6e05\u695a\u4e0d\u8fc7\u4e86\u3002\u5047\u8bbe\u4f60\u4e70\u4e86\u4e00\u5957\u4ef7\u503c$30\u4e07\u7684\u623f\u5b50\uff0c\u9996\u4ed8$4\u4e07\u3002\u4f60\u7684\u623f\u8d37\u8fdd\u7ea6\u4fdd\u9669\u8d39\u8ba1\u7b97\u5982\u4e0b\uff1a<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-399072 lazyload\" data-src=\"https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/1-case-study.png\" alt=\"\" width=\"1108\" height=\"339\" data-srcset=\"https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/1-case-study.png 1108w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/1-case-study-300x92.png 300w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/1-case-study-1024x313.png 1024w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/1-case-study-768x235.png 768w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/1-case-study-800x245.png 800w\" data-sizes=\"(max-width: 1108px) 100vw, 1108px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1108px; --smush-placeholder-aspect-ratio: 1108\/339;\" \/><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-399075 lazyload\" data-src=\"https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/2-case-study.png\" alt=\"\" width=\"1107\" height=\"795\" data-srcset=\"https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/2-case-study.png 1107w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/2-case-study-300x215.png 300w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/2-case-study-1024x735.png 1024w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/2-case-study-768x552.png 768w, https:\/\/nai500.com\/wp-content\/uploads\/2021\/09\/2-case-study-696x500.png 696w\" data-sizes=\"(max-width: 1107px) 100vw, 1107px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1107px; --smush-placeholder-aspect-ratio: 1107\/795;\" 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