10-05-2026, 02:19 AM
私人按揭保險 PMI：八成申請取消與七成八自動終止並不相同
CFPB 的規則說明適用於 1999 年 7 月 29 日或之後完成的單戶主要自住房按揭；FHA、VA 或由貸款機構支付的保險另有安排。當本金按原攤還表降至房屋原值八成，或額外還款提早達到八成，可向貸款服務商書面要求取消 PMI。
申請仍須符合良好付款紀錄、沒有拖欠、沒有次順位留置權，以及房屋未跌破原值的證明等條件。一般自動終止則按原還款表達七成八的日期，並要求當時付款正常。先索取 PMI 披露及自己的取消條件，不要只憑市價上升便停止繳付保費。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/
English
Private mortgage insurance: requesting cancellation at 80% differs from termination at 78%
CFPB describes requirements for single-family principal-residence mortgages closed on or after July 29, 1999. FHA, VA and lender-paid insurance follow different arrangements. You may request PMI cancellation in writing when scheduled principal reaches 80% of the home’s original value, or earlier if extra payments bring principal to that level.
Conditions still include a good payment record, current payments, no junior liens and evidence that the property has not fallen below its original value. General automatic termination instead uses the scheduled 78% date and requires current payments. Obtain the PMI disclosure and applicable cancellation requirements from the servicer. Rising market value alone is not a reason to stop paying insurance charges.
Original publication date not established. Checked October 4, 2026. Official source: https://www.consumerfinance.gov/ask-cfpb...an-en-202/
![[Image: housing.jpg]](https://inl3-media.pages.dev/assets/photos/housing.jpg)
James Gaskell / Pexels · 一般住宅資料照，非本文按揭物業 / Residential context, not a property in this mortgage guide. Source: https://www.pexels.com/photo/charming-am...-30649599/ Licence: https://www.pexels.com/license/
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來源 / Source: Consumer Financial Protection Bureau
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
CFPB 的規則說明適用於 1999 年 7 月 29 日或之後完成的單戶主要自住房按揭；FHA、VA 或由貸款機構支付的保險另有安排。當本金按原攤還表降至房屋原值八成，或額外還款提早達到八成，可向貸款服務商書面要求取消 PMI。
申請仍須符合良好付款紀錄、沒有拖欠、沒有次順位留置權，以及房屋未跌破原值的證明等條件。一般自動終止則按原還款表達七成八的日期，並要求當時付款正常。先索取 PMI 披露及自己的取消條件，不要只憑市價上升便停止繳付保費。
原刊日期未能確認。查閱日期：2026-10-04。官方資料：https://www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/
English
Private mortgage insurance: requesting cancellation at 80% differs from termination at 78%
CFPB describes requirements for single-family principal-residence mortgages closed on or after July 29, 1999. FHA, VA and lender-paid insurance follow different arrangements. You may request PMI cancellation in writing when scheduled principal reaches 80% of the home’s original value, or earlier if extra payments bring principal to that level.
Conditions still include a good payment record, current payments, no junior liens and evidence that the property has not fallen below its original value. General automatic termination instead uses the scheduled 78% date and requires current payments. Obtain the PMI disclosure and applicable cancellation requirements from the servicer. Rising market value alone is not a reason to stop paying insurance charges.
Original publication date not established. Checked October 4, 2026. Official source: https://www.consumerfinance.gov/ask-cfpb...an-en-202/
James Gaskell / Pexels · 一般住宅資料照，非本文按揭物業 / Residential context, not a property in this mortgage guide. Source: https://www.pexels.com/photo/charming-am...-30649599/ Licence: https://www.pexels.com/license/
---
來源 / Source: Consumer Financial Protection Bureau
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.