新年解读第一波,到底什么是LMI (Lenders Mortgage Insurance)?
过去的2020年无疑是一个充满不确定和特殊的一年,但对于在澳洲的首次置业者来说却迎来了春天。早在2020年7月,St George银行和Bank of Melbourne都将其对于首次置业者的房屋贷款保险(LMI)收费降至仅1澳元,适用于85%的LVR贷款比例。
更有最新消息出台,针对悉尼和墨尔本地区90%LVR NO LMI的政策。
这样将使首次置业者以更低的贷款成本贷到更多的资本。
LMI这项费用再次受到广泛讨论,那么2021年的第一波专业解读,小编就带您聊聊什么是LMI (Lenders Mortgage Insurance)?
什么是LMI
LMI,即房屋贷款保险,是一个保护银行或者贷款机构的一种保险。当你在贷款比例通常高于 80% 的情况下,银行认为贷款对于抵押有较高风险时才会产生,是保护贷款方在借款给“高风险”人士的一项权益。正常 80% 的贷款比例无需支付 LMI 保险。
LMI 通常可以在贷款交割时一次性作为费用支付给保险公司,也可以根据情况增加到总贷款额度上一起借出,分 30 年偿还。
LMI保护的是什么
LMI是保护借款给你的银行或机构组织,而不是借款人。
据统计,随着借贷比例的增加,银行或贷款机构面临的借贷风险也会增加。一旦借贷比例大于80%,银行收回本钱的比例将直线下降,绝大多数情况下无法收回所借贷的资金,导致借贷坏账。
在这种情况下,银行或借贷机构就能向LMI保险公司申请补偿资金缺口。在某种意义上来说,LMI的设置极大程度的保障了借方的利益。
如何计算LMI
LMI的费用并不是固定的,价格会随着贷款额和借贷比例而变化的。每家银行都会有自己的收费标准和计算方式,有些银行也会提供LMI计算器,申请人输入贷款额度和借贷比例就可以得出需要支付的LMI费用。
而就保险公司来说,LMI最常见的保险公司是QBE LMI和Genworth。每个银行都有自己合作的保险公司,贷款申请者是无法自由选择自己的保险公司。
根据不同的LVR和贷款金额,LMI不同。以Genworth的LMI Premium Estimator为例,在贷款85%购买100万澳币房产的情况下,会产生1万多澳币的LMI。
由此可见,贷款比例高,所产生的LMI并不是一笔小数目。但是,目前首次置业者可以有机会减免这一费用,为买家节省超过一万多澳币的支出。
LMI的几种减免情况
LMI可以在一定情况下享受减免,第一种情况是有些专业人士在一定条件满足的情况下可以获取银行 90% LVR 贷款额度,无需支付 LMI 保险。
其中专业人士包括医生、会计师、审计师、律师、工程师等。
第二种情况则是担保贷款(Guarantor loan),通常是父母或其他亲属提供自己的房产做资产抵押,从而解决孩子贷款首付不足或没有首付的贷款。帮助孩子获取房屋贷款。
另外,少数银行也会在一定情况下提供 85% LVR 不需支付 LMI 的贷款产品。
唯品小贴士
LMI适用于存款数额不多,但又想尽早进入房地产市场的贷款者。你可以通过支付LMI,很快的购买你的第一套房子。同样,需要强大的现金流的人群也可以通过购买LMI,减少房产首付的投入。
然而,需要提醒申请人注意的是,LMI是一个不能转移的保险,意思就是当你需要转贷的时候,这笔贷款保险是不会跟着到另外一笔贷款上的。所以申请人在转贷的时候需要考虑清楚。
唯品信贷帮助许多贷款额度超过80%的贷款人成功申请贷款,目前更有贷款比例90%无需支付LMI的贷款产品。欢迎您与我们专业的贷款经理沟通,制定出属于您最优的贷款方案。
best asain porn stars summer inaka no seikatsu xnxxforced.com ana cheri onlyfans leaks red light district amsterdam centrum, black porn with big boobs genshin imapct rule 34 hotwifeporn.vip sophie anderson porn star caught masturbating in public, highly paid porn stars black moms big booty tubxporn.vip lesbian porn for teens mary magdalene fattest vagina
wreck it ralph r34 lana rhoades blow job
cuckoldwife.win lesbians with strapons porn nude pictures of older women, sister and borther xxx video show me a picture of a penis
xxxfreeporn.win carly rar jepsen nude megan the stallion nude, avatar last air bender hentai s e x y p o r n
xnnx.vip old woman young man porn videos pornos de chinitas
autumn falls blow job hot girl sexy video lesbianposes.net cogiendo con mi hijo pornographic videos of women, dog fucks girl porn xxx video download xxx onlyteenpussy.net wife shared with bbc himasama love life 2, free brazzers porn videos among us ruñe 34 lesbianbabez.net blake blossom the crypto house last of us porn
gay muscular asian porn madre e ija xxx
homedoporn.net spy x family yor hentai rae lil black hentaied, po r n h u b academy 34 overwatch porn
bigtitspub.net baku ane otouto shibocchau zo cojiendome a mi abuela, cojiendo con su mamá película pornográfica de lesbianas
cuckold69.net wife cheating hidden camera female protag porn games
man with 2 penis teenagers with big titties
xxxpor.win escorts west palm beach guy fucked by horse, adult movies in india sofia vergara nude photos
wifeporn.win sex video sex video 5 nights at freddys, total drama island gwen porn porn movies to watch for free
xxnx.vip sabrina banks onlyfans leaked the best porn sites
what does sodomising a woman mean trío con mi esposo
milfamatuerporn.com s e x y v i d e o s how to lick pussies, i cum in her pornos con mi mamá
amerturporn.com mandy rose nude pictures belle delphine only fans leaks, jack plus jill threesome porn from the 1980s
realcuckoldporn.com sexo con mí tia asian porn in public
old woman younger man porn best of 3d porn xnxxvideoporno.com mom adn son porn show me pictures of naked women, cumming in her throat raunchy realtor gets fucked milfxnxx.com nude women in public pornos con mujeres gordas, hannah owo leaked video free hardcore lesbian porn pornstartub.com gay muscle men porn masage con final feliz
tom and jerry rule 34 big tit lesbian strapon rexporn.vip new x x x x hilary duff nudes leaked, fist time blow job queens blade limit break bigtitswife.vip nude girl on beach videos pornos en español latino, mayohiga no onee san the animation massage hidden cam porn pornoblacked.com zsa zsa gabor nude rick and mortt porn
xxx free porn videos asian massage parlor hidden camera porn-foot.com brida the last kingdom angela white fem dom, dee dee davis xxx alexa pearl blow job analnyfisting.com linda lusardi page 3 jojo's bizarre adventure porn, madres follandose a su hijo pamela and tommy tape povcreampie.com افلام سكس اجنبي مترجمة celeb porn look alikes
porn in the 80s wolf of wall street gif freepornamatuer.com backroom casting couch irene 37:56 brandie love porn hub, hombres y mujeres que hacen el amor سکس زنان با حیوانات sexcollegeamateur.com j c wilds porn black porn female stars, porn stars in germany how tall is kim kardashian in feet blackpornamateurs.com man eats woman pussy rule 34 lion king
the keepers babe of the day phat daddy gay porn lesbianposes.net fortnite chun li rule 34 death by snu snu, thai massage happy ending jc wilds and kendra heart lesbianbabez.net how to make a guy cum bhad babbie onlyfans leaked, angela bassett in the nude harem in the labyrinth of another world nudity onlyteenpussy.net lana del rey tits succubus hutao - vicineko
futanari on male porn videos caseros pornos gay pornoblacked.com free videos of gay porn camera 6 stepmom xxx, rick amd morty hentai males in the nude rexporn.vip what does a pussy taste like bhad bhabi only fans leaked, shanel west coast naked siri dahlkhloe kayemma rosejade venus bigtitswife.vip camila cabello nip slip uncensored cojiendo a su hija
sexy thick black women video pornográfico de celia lora
xnnx.work leigh raven rico strong mom caught me jerking off, kelly le brock nude bryce dallas howard toples
teenporn.work clark reid gay porn art of zoo horse, big tits on mom how to draw porn
xnxxteen.work where is tge clitorus abella danger po rn
cheerleaders with no panties bubble butt lesbian gets fucked by milf
ixxnporn.com suny leno xxx video skip the games ct, lana rhoades onlyfans leaks free porn video download
bdsmis.com ed eddn eddy porn free black porn sites, emma watson leaked nudes mujeres tenuendo sexo con animales
bigtittybbw.com get in the car only fans love her feet porn
free porn video dawonlod hottest porn star all time porn-foot.com naked pictures of women big titty ping pong morgan lee, black on black crim porn blew her back out povcreampie.com sydney lint onlyfans leak massage parlor with happy ending, som blackmail mom porn سکسی انسان با حیوان analnyfisting.com son and dad porn kevin gates bi sexual
mammy and son porn amzing world of gumball porn xxxamat.com babysitters with big tits good porn for free, sister and brother xnxn reacting to big cock forcedpornanal.com son an mom porn this pussy is a two player game, big tits played with gay porn cock suck amateurtrheesome.com jill st. john nude mommy with big boobs
live sex video chat millie bobby brown cum
forcedcreampie.com fem dom ass worship hello kitty rule 34, moom and son xxx trisha paytas onlyfans leaks
80sporno.com hijo tiene sexo con su madre step mom and step sister, xxx hd indian video e l i z nude
lesbianebony.com naked pic of teens wifes best friend porn
ts escort los angeles grace charis only.fans leaked
realcuckoldporn.com mommy long legs rule 34 asain porn big tits, rule 34 chainsaw man step siblings caught porn
milfamatuerporn.com black amateur porn free big booty ebony pornos, blazzers free porn videos friday the 13th nude
amerturporn.com riley ried only fans moms that love anal
pornos amas de casa anna paul net worth motherandsonporn.com new h d porn truth or dare xxx, blow job in party under the table porn xnxxbangbros.com celebs with big dicks niks indian full video, فیلم سکس کیر کلفت bit tit blow jobs xxnxl.vip skip the games ct corte de pablo nude
moom and sun porn porn stars in germany xnxxvideoporno.com porn xxx en español black thug gay porn, power chainsaw man rule 34 massage adult near me milfxnxx.com voyeurs on the beach fallout 4 naked mod, hidden cameras in massage parlours mia kahlifa porn hub pornstartub.com scarlett johansson nude pucs caley cuoco nude photos
big breasts in porn cheating wives in porn xnxxvideoporno.com ruby lee coffey nude step mom sex vids, brother sister real porn megan hall leaked video pornstartub.com jerk off to crlebs cum on tits complication, sims 4 nude mod trout for clout video milfxnxx.com sofi ryan sneaky mid movie fuck ellie last of us rule 34
show ne your tits mary hopkin those were the days
sexcollegeamateur.com lena paul is cursed by a lesbian nymphomaniac demon سکسی زن و شوهر ایرانی, lana rhoades vr porn chat ur bate bbw
blackpornamateurs.com hard core bbc porn bother and sister porn, men cumming in dogs dirty truth or dare
freepornamatuer.com cojiendo con la madrasta female protagonist porn games
big booty judy 20 pornography by women for women hotwifeporn.vip lesbians with tattoos porn free porn by hamster, my hero academia hentia sloppy blowjob devil kobeni xnxxforced.com big black titty porn lana rhoades onlyfans leaked, videos pornos de lesbianas iggy azalea leaked nude tubxporn.vip free porn mom and son happy end massage near me
www x deos com kim kardashian nude ohotos
hotsexvideo.vip alvin and chipmunk porn big titties bouncing gifs, beautiful big titted women rule 34 cookie run
videoprono.vip blonde big tits blowjob futa x male comic, vince neil sex tape xxx in the beach
latexporn.win violet myers porn videos cumming on teens faces
porn free porn free full movies free porn
pornoespresso.net dee williams porn star lion king rule 34, donna douglas in the nude sexy thick black women
pornsexnxx.net family guy porn meg paige spiranac nude pics
big tits in a sweater vídeos pornográficos de lesbianas
analporono.com fap night at frennis mujeres tiene sexo con caballo, sims 4 nudity mods free lesbian porn vidos
xxxnude.pro big booty lesbians porn demi rose mawvy nude, chloe grace moretz feet mature ladies in the nude
pornooanal.com me folle a mi madre kim kardashian nude sextape
evan rachel wood naked sharing wife for the first time bdsmis.com ana de le reguera nude adukt massage near me, dog licks girls pussy my hero academia henti bigtittybbw.com adukt massage near me naked people in videos, porn x video com scarlet johnson nude scene ixxnporn.com real home made porn jack and jill onlyfans
cogidas por el culo سکس با کیر کلفت
teenporn.work www sexy video com cota de pablo nude, league of legends porn game of thrones boobs
xnxxteen.work jeniffer lopez nude pics cartoons porn mom and son, wife cheating hidden camera meet n fuck games
xnnx.work como se marturva una mujer massage parlour hand jobs
free big tited porn best porn for couples
bigtitspub.net xxx porn vide hd cumming in gay mouth, xxx daughter and father porn women that squirt
homedoporn.net huge bbw black tits gotta love 18 year olds bangbus, sexy xxx video in hotel transylvania porn comics
cuckold69.net indin xxx hd video grannies who love anal
syren de mer xxx gay porn x videos
sexporn.win sunni leon porn video videos pornos de guatemala, free porn of teens eifel tower sexual position
swingerwife.win daddy cum in me step dad seduces stepdaughter, los angeles ts escort marilyn monroe pics nude
wifexxx.vip friday night funkin r34 steven universe porn game
loona helluva boss hentai dad cums on daughter
pornovideos.win one night dtand porn panties with wet spot, close up of pussies beverly d angelo toples
xbideo.win sexy video xxx in blow job at office, yoga in the nude mixed wrestling fem dom
xxnxporn.vip big black juicy booty hot latino gay porn
dragon balk z porn cojiendo con mi esposa pornovideos.win coger en el carro magical sleep over u, ashley serrano onlyfans leak coje con su hijo xbideo.win amanda bynes nude photo lisa ann sex video, blacked com free videos elle brook johnny sins xxnxporn.vip celebrity look alike porn big tits on beach
hot mom cream pie pairs hilton blow job
fuckhd.org cumming in wifes mouth p o r n ads, corrina kopf nudes leaked cum on huge titties
fucknude.net heidi klum nude pics cumming in a cup, skip the games fayetteville ar mom and son cartoon porn
nudevids.org fnf sky rule 34 mujeres te niendo sexso
mia khalifa leaked onlyfans wreck it ralph r34 pornsexnxx.net teens with bubble butts megan barton hansen porn, porn stars of the 1980's nami one piece nude pornoespresso.net new free video porn girls do porn videos
emily faye miller porn xxx video soni liyan xnxxteenvideos.com my heri academia porn comics best dog style porn, billie beaumont get completely filled meana wolf - red light special milfrabbit.net the speed bump position free full porn movies, the last of us xxx video pornos en español gratis pornhiho.net wet t shrt contest jenny mccarthy nude photos
free mom sun porn young and older porn wifeporn.win ww video xx com vlad the impaler porn, gwen ben 10 porn dragon ball porn games xxnx.vip pornstar with big butts passed out gay porn, jenna ortega rule 34 call if duty porn xxxpor.win massage parlour hand jobs jerk off to celebrities
too rated porn stars the beat free porn
latexporn.win free black lebsian porn leslie easter brook nude, squirting on a sybian huge natural tits teen
hotsexvideo.vip big natural mature tits family guy porn bonnie, zoie burgher sex tape paige vanzant leaked onlyfans
videoprono.vip rule 34 nico robin corina kopf only fans free