# How much for a mortgage loan insurance?

How much to choose for your loan insurance? The proportion corresponds to the portion of capital borrowed covered by the mortgage insurance. Here are the terms and some tips for choosing the right amount at the time of subscription

## What is the share of borrower insurance?

The **percentage** of the home **loan insurance** corresponds to the **portion of capital borrowed** that is insured by the contract.

Thus, it is **this part** that will be **reimbursed** by the insurer if **it is impossible** for **the insured** to do so, according to very specific cases mentioned in the contract.

Be aware that this share still represents a total of **at least 100%** of the capital borrowed, but it can:

- to be
**more important** - be
**divided**among**several borrowers**

## How to choose the right amount?

If **you borrow alone** , your share will be equivalent to **100% of the amount** of the loan.

On the other hand, if **you are two** , you can divide it in **proportion to the income** of the two co-borrowers (50-50, 60-40, 70-30, etc.).

## Which formula is recommended if you borrow at 2?

In this case, however, it is recommended to **opt for a 100% quota** for **each of the 2 co-borrowers** .

If **the mortgage insurance** will cost you **more** , the **capital** will be **fully repaid** in case of **death** of **one of the two co – borrowers** . In addition, this integral portion will apply to all guarantees.

## What are the steps to follow to choose the best possible quota?

You will need to ask yourself a **series of questions** , such as:

- the
**assessment of**the couple’s**income**(current and anticipated …) - the anticipation of the
**evolution of the family**(expected children …) - the
**risk assessment**(what would happen in case of death of one of the 2 co – borrowers, which pension would be collected in case of disability …)