Notre Blogue

Do I need mortgage insurance?

11 novembre 2010

Est-ce que j'ai besoin de l'assurance-hypothèque?

J'ai assez d'assurance-vie pour couvrir mon hypothèque, mais ma banque recommande l'assurance-hypothèque pour quand j'achète ma nouvelle maison, puisque ce nouvel achat augmentera la quantité que je dois. Est-ce une bonne idée?

L'assurance-hypothèque est conçue pour éponger le reste de votre hypothèque au cas où vous ou votre conjoint mourrait avec une balance due sur votre maison. Cette assurance semble être une bonne idée, mais dans la plupart des cas, ce n’est pas la meilleure stratégie. Il y a toutes sortes de problèmes avec l'assurance-hypothèque:

• Elle est non-transférable, alors vos primes sont perdues et la politique est décommandée si vous vous déplacez.
• La limite de politique, en général $500 000, peut être trop basse.
• Les primes mensuelles sont les mêmes pendant la vie du politique, mais le déboursement potentiel diminue. Par exemple, si un propriétaire avec un assurance-hypothèque meurt après 10 ans de paiements sur une hypothèque de $250000, le prêteur payera approximativement $185000 pour couvrir la dette restante. Si ce même propriétaire mourait après 20 ans, le déboursement serait seulement $77000.
• Dans certaines politiques, les réclamations sont interdites dans les premières années.

Les préteurs ne peuvent pas refuser votre hypothèque a cause que vous refusez l'assurance hypothécaire, et dans la plupart des cas, les politiques d’assurance-vie conventionnelles coutent moins, sont plus faciles a obtenir, et sont plus flexibles. La seule circonstance où l'assurance-hypothèque semble raisonnable est quand l’obtention d’une assurance plus conventionnelle est rendue difficile ou impossible à cause de votre santé ou votre situation personnelle.

I just wanted to thank you for making all of this as easy and painless as possible. Your professionalism, initiative, positive attitude and willingness to take time to explain the process made the deal unfold very smoothly.
Bob

As a non-profit agency, our survival is linked to those people in our community who have the kind of dedication & commitment shown by Deakin Realty. Keep up the good work.
Amcal Family Services

We would like to thank you so much for all your hard work in finding our first home. Your patience, professionalism, friendship and perseverance was greatly appreciated.
Christina & Kevin

Thanks again for your good work. You were right about the price and the timing for the sale. A celebration is in order!
Louis-Robert

Thanks for everything, as you can imagine we have every reason to be grateful for your help.
George & Martha

Thanks for treating us like family!
The Halls

Thank you for taking care of my mother ‘above and beyond the call of duty’
Kim

We realized that we were dealing with a real estate “advisor” - who not only knows the local market and homeowners themselves, but an individual that thinks outside the box and brings creativity and enthusiasm to a profession that he truly loves.
Mark & Kelly

We are so very appreciative of all your efforts in selling our home and finding a new one. The Deakin Realty family is truly professional.
Kathy & Brian

Thanks again for your good work. You were right about the price and the timing for the sale! A celebration is in order.
Louis-Robert

I would not consider making a sale or purchase in the West Island without involving Deakin Realty
Gerry

Thanks again for all your help... attention to detail... sanity checks... moral support... hand holding... i.e. the usual wonderful Nancy Deakin service!!
Sandra & Larry

Merci beaucoup Nancy pour ton dévouement et ta patience. Nous sommes très heureux d'avoir fait cette très belle acquisition!
Carl

I want to thank you for the amazing work done at selling and purchasing my homes. Your dedication, hard work and professionalism are very much appreciated.
Shere

Deakin Realty displayed great professionalism in every aspect of their work and in all cases they made sure the transaction was good for all parties.
Patrick

This is just a quick thank-you for all of your wonderful help in finding our first home. We really appreciated your patience, honesty and attentiveness. You may all rest assured that we will recommend Team Deakin.
Sonjali & Devi

Thank you for everything John. You have been so dedicated and helpful throughout our journey!
Amanda

I'm not sure we can ever fully express how much we appreciate all you have helped us with. It has been a stressful time but was made much less so through the referrals you gave us.
Sandee

Deakin Realty achieved the best possible result: a lease that pleased both landlord and tenant. We were so impressed with Nancy and her team that we asked them to work on another project for our company.
Richard King - Owner – Elm Plaza

We really wanted to take the time to properly thank you. You were always there for us, and put alot of time into our home with all the advice and visits. We really appreciate it! You'll always come highly recommended by us.
Jason

Your help & professionalism throughout the buying process, and your ‘words of wisdom’ during our selling process have been greatly appreciated.
Sophie & Mark

Thank you for a job well done. We’re both so excited to have clinched the deal of the year in Beaconsfield.
Denise & Gary

Deakin Realty provides their clients with total professional, businesslike, and enthusiastic care. They talk to you. They get results. What more could you look for in a real estate firm?
Walter & Pamela

Nancy, thank you for all your hard work and patience, and for not giving up on us during this house hunt.
Stefano, Melissa & Zara

Thank you Jay & the Team for your professionalism and patience. Your market knowledge and detail work helped bring our situation to the next level.
Serge & Elaine

I know you did a lot of hard negotiating to arrive at a mutually satisfactory solution and we need to congratulate you for that. Thanks for your very significant effort.
Mike & Anna

Merci d'avoir pris soin de ma mère et ce plus que votre travail ne l'exigeait.
Kim

Thank you for everything you have done. It was a wonderful experience selling my house with your help.
Camille

Thanks ever so much! It was our lucky day when we met you. You can always count on us as reference for your future clients.
Serguei

Thank you Jay, Nancy and Alexa for all your work! I really appreciate the attention to detail and your thoughtfulness throughout the selling process
Patti

You truly could not have handled this tricky sale better and we will sing your praises to everyone we know.
Jen & Dave

Thank you for your prompt advice and help. It was nice to feel welcome to call you and have your support.
Eric & Janice

To the Deakin team - thank you for going above and beyond!
Lynda

Deakin Realty met all of our objectives and helped make our condo project a success. They are proactive, highly professional and capable of adjusting to changing conditions.
Marc-Andre Legault - Developer - Les Cours Sherbrooke

You are a marvel as Mom is so very comfortable with you and John. You are stars and much appreciated.
Cydney & Les

Thank you once again for guiding us through this process. Your ability to balance professionalism and the human aspect of this process is top drawer.
Bill

Thanks again for all your help, advice and patience during the purchase process. You really went above and beyond the average real estate broker's duty.
Matt & Anita

You thought of every detail inside and out - a job well done to you and your team!
Maureen

Thanks for understanding our needs and finding our family a great home! We would highly recommend Deakin Realty to anyone who is interested in buying or selling.
The Brown Family

You listened and went far and beyond what any other real estate organization could or would do. We are happy to say that we consider you a friend and look forward to working with you again.
The Adrian Family

Thank you for your sensitivity and kindness. We also appreciated your level of professionalism and knowledge in the handling of our file.
Bruce & Lillian

You were understanding, professional and endlessly patient throughout this sometimes challenging process. You went out of your way to make it work out, both for us and for our "perfect" buyer.
Barbara

Encore merci pour nous avoir guidés tout au long de ce processus. Vous offrez l'équilibre parfait entre professionnalisme et humanité.
William

Thanks for everything you have done. It has truly been a pleasure selling through you.
Catherine

The whole experience dealing with you was efficient, seamless and painless. You are a true professional and a good advisor. I felt I was the only client you were dealing with.
Janice

Thanks again for everything you have done to help us through this difficult (more difficult than normal in this case) process, and for your patience with me.
A & M

You are a true angel in disguise. We can never express our appreciation for the knowledge, service and kindness you have shown.
Jane & Larry

We appreciate all the efforts, dedication and patience you are putting into finding us a house. Thank you for everything that you are doing for us.
Martin, Natalie & the girls

Nancy, thank you for all your help and invaluable guidance!
Katy & Kevin

You are incredibly professional even in the throes of an emotional and stressful decision. Thanks for your patience - we are thrilled with our new purchase!
Namta & Sara

Thanks again for all your help with everything! You were fantastic, and Stef and I are thrilled that we were able to have you as our broker.
Matt

Thank you very much for all your help in our transactions ... it was a delight working with such a professional!
Patrick Ducharme - Banque Nationale du Canada

Thank you so much for all your time, help, advice and patience in getting my house sold. I really appreciate it!
Jan

The Deakin team made our relocation from Halifax a pleasurable experience. Their professionalism and knowledge of the real estate market helped us find the perfect home.
Jason & Shannon

Merci pour tout! Ça a été un vrai plaisir de vendre par votre intermédiaire!
Catherine

I appreciated your expertise, competence and advice. These confirmed that my insistence on having you as the sole agent for my property was the right decision.
Clara

I couldn't have imagined this going any smoother than it did. Thanks for a well thought out plan and execution.
Marcel & Liz

You did everything we asked for and more, and talked me off the ledge more than once. We were so impressed, and we wouldn't hesitate to recommend you to others.
Pamela & Doug

We just wanted to thank you so much for all you've done for us over the last year and a half. We always felt like you were sincerely putting our best interests first throughout this entire process.
James et Amanda

Having such a well organized group looking after us made our house hunting trip all the easier…those added touches you do really make all the difference between ‘good’ and ‘the best’.
Laura & Daniel

We would like to thank you again for helping us find a great home and for all of your advice over the past couple of months. We'll definitely recommend you to our friends...
Christina & Rob

As a first time buyer, I had a lot of questions and you took the time with me. Not all agents would have done this - I know, since I dealt with others before meeting you.
Dawn

You have a way of treating your clients as they are you only client. You always responded within hours of a call. That is what I call great customer service.
Dawn

Thanks to you and the Deakin team for everything you did for us. We really appreciate working with knowledgeable and experienced business people.
Fred & Lynn

Merci pour tout votre support et votre patience!
Donald

You are truly awesome. Pointe-Claire is a very lucky place to have you guys at the heart of it.
Katy

I was really worried about finding the "right" person to work with my Mom. Your approach, patience and sense of humour won her over right away, and your follow up has given all of us a lot of comfort through this. Jay, I could not imagine a better fit.
Michael

Thank you so much for your support and patience during this difficult time with Mom and the sale of her beloved home. I truly appreciate your kindness.
K.

Thanks for finding our perfect house. We were out of town and trusted you to make an offer without actually seeing the house. Serious trust and you never let us down.
Brian

Your knowledge of the housing market was critical in helping manage the sale of our condo and the purchase of our new home. The practical and helpful recommendations made things easy on both ends.
Rob & Sonia

In our business, referrals are important to both the referring party and the receiving side. Thanks so much for a job well done. I hope to refer your family more business.
Peter Blanchard, President - Terramont Real Estate Services