but nothing's really changed, if you borrow higher than 80% (or whatever that threshold is) you need LMI, it's better for the insurer cause there's more credit check and screening for a higher quality borrower. Might be the reason why they seeing less defaults. The bank don't wanna deal with insurance, they want to be covered when shit hits the fan but they not in the business of underwriting.
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but nothing's really changed, if you borrow higher than 80% (or...
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