Страхуется, в самом начале моргиджа, Х количество денег, и примиумсы вычисляются исходя из того же Х.akela писал(а):точно на амортизационный период, а не на mortgage term?QueenR писал(а):А контракты закючаются один раз, на весь амортизационный период.
Если не увеличивать этот Х, то и страховка остается та же. А увеличить этот Х - значит refinancing.
Даже если банк поменять при renewal, страховка переносится.
http://www.fcac-acfc.gc.ca/eng/resource ... vel-1.aspx
Switching to another lender
You do not have to renew your mortgage with the same lender. You can choose to move your mortgage to another lender if it offers you terms and conditions that suit your needs better.
The new mortgage lender will need to approve your mortgage application. The criteria it uses to see whether you qualify for a mortgage may be different from those used by your original lender.
If you decide to switch your mortgage to another lender, make sure you find out the costs of changing lenders, such as:
•set-up fees with the new lender, such as fees to discharge the previous mortgage and register the new mortgage
•a transfer or assignment fee from your current lender
•an appraisal fee to confirm the value of your property (if necessary)
•other administration fees.
Ask if your new mortgage lender would be willing to pay for some or all of your costs to switch.
When switching lenders, a new mortgage default insurance premium will only be required if your existing mortgage loan is modified—for example, by increasing the loan amount or extending the amortization period. Inform your new lender that mortgage default insurance is already in place on the existing mortgage you are switching.
