不过，这种称为“高比例按揭”的房贷，要求购买按揭贷款保险(Mortgage Loan Insurance)，可以向CMHC或Genworth购买，保险费从借贷额的0.5%至3.75%不等。
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银行必须坚持更严格的信用卡和按揭贷款保险(资助？)标准。而且，银行很快将面临更高的资金和流动性标准。
Banks must already adhere to stricter underwriting standards for credit CARDS and mortgage loans and will soon face higher capital and liquidity requirements.
而银行和CMHC一起为按揭者的剩余组合资产提供保险。人们获得的按揭贷款遵循了严格的标准，这使得加拿大人诚肯踏实。
The Banks insure the rest of their portfolios with the CMHC, which keeps them honest by applying strict standards to the mortgages they guarantee.
选择健康，低胆固醇和牙医保险。选择定息按揭贷款。选择第一间房子。选择你的朋友。
Choose good health, low cholesterol and dental insurance. Choose fixed-interest mortgage repayments. Choose a starter home. Choose your friends.
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