抵押保险 mortgage insurance

1.保险单持有人将保险收益用于清偿被保险人死亡时因抵押所生到期债务，或在被保险人死亡或丧失行为能力的情形下，用于支付以实现到期抵押的一种保险；2.针对抵押权人因抵押人履行迟延或抵押财产不足以支付所欠债务和取消抵押财产回赎权的费用而可能遭受损失的风险而设立的保险。

Mortgage insurance is an insurance policy that protects a mortgage lender or titleholder if the borrower defaults on payments, passes away, or is otherwise unable to meet the contractual obligations of the mortgage. Mortgage insurance can refer to private mortgage insurance (PMI), qualified mortgage insurance premium (MIP) insurance, or mortgage title insurance. What these have in common is an obligation to make the lender or property holder whole in the event of specific cases of loss. Mortgage life insurance, on the other hand, which sounds similar, is designed to protect heirs if the borrower dies while owing mortgage payments. It may pay off either the lender or the heirs, depending on the terms of the policy. 以下为具体例句，供参考：

例句1

Mortgage insurance may come with a typical pay-as-you-go premium payment, or it may be capitalized into a lump-sum payment at the time of mortgage origination. For homeowners who are required to have PMI because of the 80% loan-to-value ratio rule, they can request that the insurance policy be canceled once 20% of the principal balance has been paid off.

抵押保险可能附带典型的现收现付保费支付，也可能在抵押贷款发放时被资本化为一次性付款。对于因为80%贷款价值比规则而被要求有PMI的房主来说，一旦本金余额的20%被还清，他们可以要求取消保单。

例句2

Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get. Typically, borrowers making a down payment of less than 20 percent of the purchase price of the home will need to pay for mortgage insurance.

抵押保险降低了贷款人向你贷款的风险，这样你就有资格获得贷款，否则你可能无法获得。通常情况下，首付低于房屋购买价格20%的借款人需要支付抵押保险。

例句3

Mortgage insurance makes it possible to hand over a much smaller down payment and still qualify for a home loan. It protects the lender in case you default on the loan. With a conventional mortgage — a home loan that isn’t federally guaranteed or insured — a lender will require you to pay for private mortgage insurance, or PMI, if you put less than 20% down.

抵押保险使得交付更少的首付并仍有资格获得房屋贷款成为可能。它保护贷款人以防你拖欠贷款。对于传统的抵押贷款——没有联邦担保或保险的住房贷款——如果你的首付低于20%，贷款人将要求你支付私人抵押保险。

例句4

You bear the cost of mortgage insurance, but it covers the lender. Mortgage insurance pays the lender a portion of the principal in the event you stop making mortgage payments. Meanwhile, you’re still on the hook for the loan if you can’t pay, and you could lose the home in foreclosure if you fall too far behind.

你承担抵押保险的费用，但它涵盖了贷款人。如果你停止支付抵押贷款，抵押保险会向贷款人支付部分本金。与此同时，如果你不能支付，你仍然处于贷款的困境中，且如果你远远落在后面，你可能会失去房屋的止赎权。