❤️ Hps Vs Mortgage Insurance

Google Keyword Rankings for : hps vs mortgage insurance

1 Understanding mortgage insurance: HPS vs MRTA vs Term Life
https://secure.fundsupermart.com/fsm/insurance/insurance-article/323/understanding-mortgage-insurance-hps-vs-mrta-vs-term-life
Like HPS and MRTA, term plans covers for death, terminal illness and TPD. There are two types of term insurance plans available – Fixed term ( ...
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2 Home Protection Scheme (HPS) Vs Private Mortgage ...
https://blog.seedly.sg/hps-mortgage-insurance-term-insurance/
Basically, the HPS is a mortgage reducing term assurance (MRTA) policy that safeguards members and their families against losing their HDB flat ...
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3 Home Protection Scheme (HPS) for HDB Owners
https://blog.moneysmart.sg/mortgage-insurance/home-protection-scheme/
The Home Protection Scheme (HPS) is a mortgage-reducing term insurance scheme that protects HDB flat buyers/owners. If you work as an insurance ...
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4 Protecting against losing your home - CPFB
https://www.cpf.gov.sg/member/home-ownership/protecting-against-losing-your-home
Safeguard the roof over your head with Home Protection Scheme (HPS), a mortgage-reducing insurance that protects you and your loved ones from losing your ...
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5 HPS vs MRTA – which is a better option for you? - iProperty
https://www.iproperty.com.sg/news/hps-vs-mrta-which-is-a-better-option-for-you/
HPS is a mortgage-reducing insurance scheme that allows you to be covered, for your outstanding mortgage loans which is governed by CPF ...
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6 Home Protection Scheme (HPS) – What is this insurance?
https://www.gen.com.sg/insurance/home-protection-scheme-hps-what-is-this-insurance/
The HPS is a mortgage-reducing insurance that protects CPF members and their families against losing their HDB flat in the event of death, ...
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7 Mortgage Insurance
https://www.dbs.com.sg/ibanking/financial-planning/assurance/mortgage-insurance.html
HPS is a mortgage-reducing insurance that pays out an assured sum, which reduces as your home loan is being paid off. Mortgage Reducing Term Assurance. Similar ...
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8 3 Reasons Why You Might Need Mortgage Insurance
https://www.valuechampion.sg/heres-why-you-might-need-mortgage-insurance
There are 2 main types of mortgage insurance in Singapore: the Home Protection Scheme (HPS) and the Mortgage Reducing Term Assurance (MRTA). The ...
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9 All you need to know about Home Protection Scheme (HPS)
https://www.sgmoneymatters.com/what-is-home-protection-scheme-hps/
The Home Protection Scheme (HPS) is a mortgage reducing insurance that insures CPF members and their families against losing their homes in ...
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10 HDB Home Protection Scheme (HPS) – what are your options?
https://mortgagemaster.com.sg/blog/post/home-protection-scheme-hps
The Home Protection Scheme, or HPS, is a mortgage-reducing insurance policy meant to protect CPF members and their families should something ...
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11 HDB FAQ: What is the Home Protection Scheme? - Ohmyhome
https://ohmyhome.com/en-sg/blog/faq-what-home-protection-scheme/
The Home Protection Scheme (HPS) is a mortgage-reducing insurance that protects HDB flat owners and buyers. Here are 3 benefits you'll enjoy ...
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12 Your Guide to Home Protection Scheme (HPS) in Singapore ...
https://www.instantloan.sg/hps-coverage/
The Home Protection Scheme (HPS) is a mortgage-reducing term insurance administered by the CPFB (Central Provident Fund Board).
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13 HDB Home Protection Scheme (HPS) or Private Mortgage ...
http://www.aboutinsurance.sg/home/hdb-home-protection-scheme-hps-or-private-mortgage-coverage-whats-the-difference
Similar to the HPS, private mortgage Insurance will also cover your outstanding loan in cases where you could not complete payment due to ...
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14 Home Protection Scheme (HPS) in Singapore: Guide for 2021
https://smartwealth.sg/home-protection-scheme/
And if anything happens to you or your co-owner, part or the full loan can be paid off with the proceeds of the HPS insurance. This eliminates ...
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15 Understanding How The CPF Home Protection Scheme (HPS ...
https://dollarsandsense.sg/cpf-home-protection-scheme-understanding-pros-cons/
As a mortgage-reducing insurance, HPS provides coverage for your outstanding mortgage amount until the age of 65, or until your housing loans ...
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16 Mortgage Insurance Singapore: A Comparison Guide
https://blog.icompareloan.com/mortgage-insurance-singapore/
Home Protection Scheme (HPS) vs Private Mortgage Insurance ... If you are buying a non-HDB flat, you have the option between HPS or private ...
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17 Home Protection Scheme (HPS) for HDB homeowners: All you ...
https://financeguru.sg/home-protection-scheme-hdb-singapore/
This is because HPS pays off the outstanding housing loan, up to the sum assured, based on the percentage share of cover of the insured in the event of ...
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18 9 essential answers about the Home Protection Scheme - 99.co
https://www.99.co/singapore/insider/nine-essential-answers-about-home-protection-scheme/
The Home Protection Scheme is mortgage-reducing insurance meant to protect you and your family from losing your HDB flat if misfortune falls on ...
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19 term.sg - Mortgage Insurance in Singapore
https://term.sg/mortgage-insurance-in-singapore/
Mortgage Insurance Comparison: HPS vs MRTA vs Level Term ... Most Singaporeans start off with an HDB flat and use CPF for payment. By default, HPS ...
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20 Home Protection Scheme (HPS) for HDB owners: What does it ...
https://www.asiaone.com/money/home-protection-scheme-hps-hdb-owners-what-does-it-cover
Insurance companies sell mortgage insurance that does the same thing, so if you're buying an HDB flat and are already covered by HPS, you don't ...
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21 Home Loan Insurance in Case of Death and What If You Don't ...
https://www.manulife.com.sg/en/insights/home-loan-insurance-in-case-of-death.html
The HPS is a home loan insurance plan that ensures that your family does not lose their home if you pass on, become totally and permanently disabled or are ...
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22 A Guide to Home Insurance for Your HDB Flat - MyNiceHome
https://www.mynicehome.gov.sg/hdb-how-to/move-into-your-flat/a-guide-to-home-insurance-for-your-hdb-flat/
The HPS is a type of mortgage-reducing insurance, where the insured sum covers your outstanding housing loan. This type of insurance ensures that you and ...
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23 0215 Written Answer to PQ on CPF Members covered under ...
https://www.mom.gov.sg/newsroom/parliament-questions-and-replies/2022/0215-written-answer-to-pq-on-cpf-members-covered-under-the-home-protection-scheme
The majority of remaining members have equivalent private mortgage insurance and hence are not required to be covered under HPS.
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24 Home Protection Scheme (HPS) Exemption Form
https://www.insurance.hsbc.com.sg/content/dam/hsbc/insn/documents/home-protection-scheme-exemption-form.pdf
HPS is a mortgage reducing insurance that protects CPF members from losing their HDB flats in the event of death, terminal illness.
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25 iGM | iFAST Global Markets
https://www.ifastgm.com.sg/igm/#!/article/view/rcms239860/understanding-mortgage-insurance-hps-vs-mrta-vs-term-life
› igm
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26 Why mortgage insurance should matter to you - POSB
https://www.posb.com.sg/personal/articles/protection/your-guide-to-home-and-mortgage-insurance
HPS vs MRTA: Do you need to get a new plan when you move house? ... While HPS and MRTA might seem pretty similar, there is a key difference: HPS ...
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27 CFPB Consumer Laws and Regulations HPA
https://files.consumerfinance.gov/f/documents/102012_cfpb_homeowners-protection-act-hpa-pmi-cancellation-act_procedures.pdf
The Homeowners Protection Act of 1998 (HPA or PMI Cancellation Act, or Act) was signed into law on July 29, ... Code, or title V of the Housing Act of 1949.
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28 News release - HPS premium reduction 2021.pdf
https://www.sgpc.gov.sg/sgpcmedia/media_releases/cpfb/press_release/P-20210624-1/attachment/News%20release%20-%20HPS%20premium%20reduction%202021.pdf
In 2020, home owners insured under HPS made $83.8 million in claims. CPF members who are using CPF savings to pay for the monthly housing loan ...
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29 10 Things To Know About Home Protection Scheme - SingSaver
https://www.singsaver.com.sg/blog/things-to-know-about-home-protection-scheme
#1: HPS covers your liability towards your HDB flat mortgage · #2: You may apply for HPS regardless whether you're using a bank loan or HDB loan.
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30 CPF Board - Hi, I'm Madeline, an underwriter from the Home ...
https://m.facebook.com/CPFBoard/photos/a.71363925922/10153864562175923/?type=3&locale2=zh_CN
Hi, I'm Madeline, an underwriter from the Home Protection Scheme (HPS) Department. ... Gallatin Vs. Trenton | High School Football LIVE.
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31 Cheapest Mortgage Insurance in Singapore | Money Line
https://www.moneyline.sg/mortgage-insurance/
Just like a term life Insurance, the Mortgage insurance is a life insurance product that simply pays out a lump sum to your beneficiary upon your death. However ...
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32 Application for Exemption from Home Protection Scheme (HPS)
https://www.greateasternlife.com/sg/en/customer-services/government-related-schemes/home-protection-scheme-hps/application-for-exemption-from-home-protection-scheme-hps-pdf.html
A member can apply to be exempted from the HPS if his/her private insurance policies are sufficient to cover the outstanding housing loan in the event of death, ...
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33 Application for home protection scheme (HPS) exemption
https://assets-us-01.kc-usercontent.com/f1197727-f2d1-007e-d14d-0d4983462947/e35b8c68-34a7-4582-892b-47975f4aeece/HPS%20exemption%20%28Sep22%29%20editable.pdf
HPS is a mortgage reducing insurance that protects CPF members from losing their HDB flats in the event of death, terminal illness (TI) or total permanent.
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34 All You Need to Know About the Home Protection Scheme
https://www.redbrick.sg/blog/all-you-need-to-know-about-the-home-protection-scheme/
In short, the HPS is a mortgage-reducing insurance that protect homebuyers and their families against losing their HDB unit in the event of ...
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35 Home Protection Scheme (HPS) VS Private Mortgage Insurance
http://snownforever.blogspot.com/2014/03/home-protection-scheme-hps-vs-private.html
In short, HPS goes with the house not the person, so if you change house your HPS will be terminated and buying a new house will means buying a ...
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36 No More Housing Woes: Term Life Insurance or Mortgage ...
https://www.tiq.com.sg/blog/term-life-insurance-vs-mortgage-insurance/
Mortgage insurance is tied to the balance on your mortgage — meaning the death benefit decreases in tandem, even though your premiums will likely remain the ...
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37 Home Protection Scheme (HPS) Coverage: Guide for HDB ...
https://www.loanadvisor.sg/article/property/hps-coverage/
The Home Protection Scheme (HPS) is mortgage-reducing insurance that protects HDB flat owners. This scheme protects you and/or your family from ...
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38 Why I Applied To Be Exempted From CPF Home Protection ...
https://www.heartlandboy.com/exempted-cpf-home-protection-scheme/
What Is the Home Protection Scheme ('HPS')? ... The Home Protection Scheme is a mortgage-reducing insurance that protects members and their families against ...
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39 Compare Your Home Insurance. The 4 Differences Between the ...
https://www.dailymotion.com/video/x7mcn93
When buying a new flat, you have the option of signing up for private mortgage insurance. Alternatively, you can choose to stay on the HPS.
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40 PRUMortgage - Mortgage Insurance - Prudential Singapore
https://www.prudential.com.sg/products/life-insurance/mortgage-insurance/prumortgage
A mortgage insurance plan that safeguards your home and ensures outstanding mortgage payments will be taken care of, should the unforeseen happen.
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41 I've Bought A New House - What Do I Need Next? - Income
https://www.income.com.sg/blog/how-does-mortgage-insurance-work
Note that the Home Protection Scheme (HPS) is compulsory if you are paying for your HDB flat using your CPF. However, if you have mortgage ...
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42 Oral Answer by Ministry of National Development on Home ...
https://www.mnd.gov.sg/newsroom/speeches/view/oral-answer-by-ministry-of-national-development-on-home-protection-scheme-hps
They are only allowed to opt out of the HPS if they have taken up a similar mortgage reducing insurance (MRI). 43,610 flat owners have been allowed to opt ...
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43 About Us | HPS Partners
https://www.hpspartners.com/en/home/
HPS Investment Partners, LLC ("HPS"). HPS Investment Partners is a leading global investment firm that seeks to provide creative capital solutions and ...
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44 Mortgage Protect Advantage - Insurance - OCBC Bank
https://www.ocbc.com/personal-banking/insurance/mortgage-protect-advantage.page
Protect your loved ones' futures & safeguard your home with our comprehensive mortgage insurance plan. Find out more.
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45 Mortgage Insurance - Housing Loan Singapore
https://www.housingloansingapore.com/property/mortgage-insurance
Special features of mortgage insurance. PMI has some unique features that can be advantageous to some homeowners. PMI vs HPS. Because HPS insures owners ...
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46 Administrative FAQs on HPS (Home Protection Scheme ...
https://treeofwealth.sg/administrative-faqs-on-hps-home-protection-scheme-coverage/
The HPS insurance covers mortgage payments on your HDB flat in the case of inability to make payment, and as such the scheme will end only at ...
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47 Key Collection - HDB |
https://www.hdb.gov.sg/residential/buying-a-flat/buying-procedure-for-new-flats/key-collection
The HPS is a mortgage-reducing insurance scheme offered by the CPF Board. You have to be insured under HPS if you want to use your CPF ...
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48 Best Mortgage Insurance Singapore (2022) ᐈ Compare ...
https://www.roshi.sg/mortgage-insurance/
Mortgage insurance is also known as a “reducing term insurance.” Its main purpose is to ensure that the home owner's home loan will be paid in the event of ...
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49 Frequently Asked Questions (FAQ) - Mortgage Supermart
https://www.mortgagesupermart.com.sg/resources/frequently-asked-questions
HDB Mortgage Insurance, also commonly know as the Home Protection Scheme (HPS) is a compulsory purchase for a HDB flat if you are using CPF ...
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50 Household Pulse Survey - U.S. Census Bureau
https://www.census.gov/householdpulsedata
The HPS continues measuring core demographic household characteristics, as well as ... Consumer Financial Protection Bureau (CFPB) ...
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51 Protect Your Loved Ones From Home Loan Debt
https://thefinance.sg/2021/05/16/protect-your-loved-ones-from-home-loan-debt-home-protection-scheme-hps-vs-private-mortgage-insurance-vs-term-insurance/
Insurance. Protect Your Loved Ones From Home Loan Debt: Home Protection Scheme (Hps) Vs Private Mortgage Insurance vs Term Insurance.
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52 than 540000 HDB flat owners to pay less in home insurance ...
https://www.straitstimes.com/singapore/housing/540000-cpf-members-to-pay-less-for-home-protection-insurance
The CPF Board on Thursday (June 24) said it is reducing premiums for the Home Protection Scheme (HPS) "due to better-than-expected ...
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53 6 Reasons To Be Exempted From Home Protection Scheme
https://www.geraintliu.com/2019/08/10/6-reasons-to-be-exempted-from-home-protection-scheme/
5. Payouts Restricted To Outstanding Mortgage ... HPS payouts can only be used to pay your outstanding housing loans. ... If the sum assured is ...
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54 Banking Guide - Hamic Previte & Sturwold, P.A.
https://hpsadvisors.com/financial-guides/banking-guide/
When considering a loan request, what do banks look for? The bank official who reviews the loan ... Can you stop paying Private Mortgage Insurance (PMI)?.
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55 Advice needed: Term, HPS or Private Mortgage Decreasing ...
https://forums.hardwarezone.com.sg/threads/advice-needed-term-hps-or-private-mortgage-decreasing-term.5459930/page-2
Also, the private term life insurance has a significant benefit: you can accelerate repayment of your mortgage, which could be a very good idea ...
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56 Home Protection Scheme is not what you think it is
https://www.ifa.sg/home-protection-scheme/
The Home Protection Scheme is a compulsory mortgage insurance scheme underwritten by CPF Board if the borrower is using CPF to pay for mortgage installment for ...
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57 Dummies' Guide to Mortgage Insurance - citydwellers
http://www.citydwellers.sg/2021/08/dummies-guide-to-mortgage-insurance/
1. HPS might not be cheaper just because it's a government initiative. · 2. Mortgage insurance policies can be transferred to a new property if ...
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58 Should I pay off my mortgage early in Singapore? Answered!
https://dollarbackmortgage.com/blog/pay-off-mortgage-bank-loan-early/
Mortgage insurance is one more reason to think twice before preparing your investments. If you are covered under mortgage insurance like Mortgage Reducing Term ...
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59 Do you really need mortgage insurance? Here are the pros ...
https://www.homeanddecor.com.sg/property-tips/do-you-really-need-mortgage-insurance-here-are-the-pros-and-cons/
In these cases, insurers came up with a product called mortgage insurance (also known as Mortgage Reducing Term Assurance (MRTA)) that will ...
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60 Insurance Solutions for healthcare provider | HPSO
https://www.hpso.com/Insurance-for-you/Individual-Practitioners
With HPSO, you can rest assured knowing that our quick and convenient malpractice coverage is backed by a decade's long history of trust, transparency, ...
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61 ARCH MORTGAGE INSURANCE ... - Arch Capital Group
https://mortgage.archgroup.com/wp-content/uploads/sites/4/2020/10/AMIC_QuarterlyStatement_1Q2019.pdf
Statement for March 31, 2019 of the ARCH MORTGAGE INSURANCE COMPANY. Q02. ASSETS. Current Statement Date ... HPS Principal Strategies - Real Estate Capital.
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62 Understanding the Different Types of Insurance - Yahoo
https://www.yahoo.com/amphtml/understanding-different-types-insurance-072855310--sector.html
Another decreasing term policy by CPF is the Home Protection Scheme (HPS), a compulsory mortgage insurance for those using CPF to purchase ...
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63 Potomac Edison hps factors - FirstEnergy
https://www.firstenergycorp.com/content/dam/customer/Customer%20Choice/Files/maryland/tariffs/PotomacEdisonhpsfactors.pdf
› Files › tariffs
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64 7 reasons to include MINDEF & MHA Group Term Life ...
https://singlife.com/en/money-banter/2021/7-reasons-to-include-mindef---mha-group-term-life-insurance-in-y
The plan is eligible for Home Protection Scheme (HPS). HPS is a mortgage-reducing insurance by Central Provident Fund Board (CPFB) that ...
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65 Mortgage Insurance vs. Home Insurance: What's the Difference?
https://www.bankrate.com/insurance/homeowners-insurance/mortgage-insurance-vs-homeowners-insurance/
The key difference between mortgage insurance vs. home insurance is who it protects. Homeowners insurance mainly protects the borrower while ...
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66 Microloan Programs - USDA Farm Service Agency
https://www.fsa.usda.gov/programs-and-services/farm-loan-programs/microloans/
Microloan versus FSA's "regular" loan ... time of loan closing; not be ineligible due to disqualification resulting from Federal Crop Insurance violation.
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67 HPS First Lien Lock-Up Sample Clauses - Law Insider
https://www.lawinsider.com/clause/hps-first-lien-lock-up
The lien of the Mortgage is subject only to: First Lien Each related Mortgage is a valid and, subject to the limitations and exceptions in paragraph (v) above, ...
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68 HPS vs MRTA – which is a better option for you?
https://propertyquotient.sg/hps-vs-mrta/
A subsidiary of Redbrick Mortgage Advisory, Property Quotient seeks to engage customers at every stage of the property ownership cycle. From news and ...
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69 06/29/2022 - HPS Corporate Lending Fund
https://www.hlend.com/shareholders/sec-filings/content/0001140361-22-024477/0001140361-22-024477.pdf
asset coverage ratio, and certain limitations on the incurrence of ... outstanding Swingline Loan and (v) the Dollar Equivalent of the ...
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70 EX-10.1 - SEC.gov
https://www.sec.gov/Archives/edgar/data/1404624/000119312517168014/d370392dex101.htm
WHEREAS, the Borrower and each other Loan Party desire to secure all of the ... (v) any deposit account or securities account for the sole purpose of ...
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71 Who Pays for the Mortgage Debts and Medical Bills After Death?
https://singaporelegaladvice.com/law-articles/mortgage-debts-bills-responsible-after-death/
Under the HPS, if the mortgagor passes away, the CPF Board will settle the outstanding housing loan up to the insured sum, with HDB or the ...
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72 2014 HPS Salary Survey - The Health Physics Society
http://hps.org/documents/2014_salary_survey.pdf
Data Analysis. The salary ranges marked by. HPs on the completed survey forms were rounded to the midpoints of those ranges before statistical analyses were ...
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73 Employee Discounts 2014.pdf
https://www.co.wood.oh.us/employee/information_links/Employee%20Discounts%202014.pdf
HPS. EMPLOYEE PROGRAMS. The following contracts and programs are available ... that will appraise trade-ins and purchase them at the current.
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74 Form N-2 Hps Corporate Lending Fund - SEC Report
https://sec.report/Document/0001140361-21-030932/
Form N-2 filed by Hps Corporate Lending Fund with the security and ... downside protection via enhanced control over covenants and loan ...
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75 Renters' Responses to Financial Stress During the Pandemic
https://www.jchs.harvard.edu/sites/default/files/research/files/harvard_jchs_renter_responses_covid_airgood-obrycki_etal_2021.pdf
renters, compared to 39 percent of homeowners, had lost employment income in only a two-month span.6 Using a later wave of HPS data, ...
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76 APPLICATION FOR HOME PROTECTION SCHEME (HPS ...
https://www.sg.cntaiping.com/images/document/forms-library/life/202110_HPSE_APPLICATION_FOR_HPS_EXEMPTION.pdf
A member can apply to be exempted from the HPS if his/her private insurance policies are sufficient to cover the outstanding housing loan in the event of death, ...
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77 7 Reasons You Need MINDEF & MHA Group Term Life ...
https://nsman.safra.sg/7-reasons-you-need-mindef-mha-group-term-life-insurance-in-your-protection-plans/
The plan is eligible for Home Protection Scheme (HPS). HPS is a mortgage-reducing insurance by Central Provident Fund Board (CPFB) that ...
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78 hps loan management 4-2014, ltd. - RNS Submit
http://www.rns-pdf.londonstockexchange.com/rns/8510B_-2018-1-15.pdf
January 29, 2018 (the “Refinancing Date”), among HPS Loan Management ... of the Co-Issuer and (v) any Tax Reserve Account and any funds ...
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79 What Will Happen To Your HDB Flat Or Private Property If You ...
https://www.todayonline.com/8days/seeanddo/thingstodo/what-will-happen-your-hdb-flat-or-private-property-if-you-die-today
“If you're using CPF to service your HDB housing loan, you're required to buy the Home Protection Scheme (HPS), which is a very good feature ...
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80 Separate Versus Joint Mortgage Insurance: Which is Better?
http://wealthplannersingapore.com/separate-vs-joint-mortgage-insurance/
The Home Protection Scheme (HPS) is the default scheme of HDB; this is a separate policy for both you and your co-borrower / co-owner. But note ...
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81 What's the Difference Between PMI and Mortgage Protection ...
https://www.nolo.com/legal-encyclopedia/whats-the-difference-between-pmi-mortgage-protection-insurance.html
Private mortgage insurance protects the lender while mortgage insurance protection is for the borrower.
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82 Application for HPS Exemption Form - Tokio Marine
https://www.tokiomarine.com/content/dam/tokiomarine/sg/life/resources/forms/Application%20for%20HPS%20Exemption%20Form.pdf
APPLICATION FOR HOME PROTECTION SCHEME (HPS) EXEMPTION. HPS Exemption. HPS is a mortgage reducing insurance that protects CPF members from losing their HDB ...
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83 Aaple Sarkar
https://aaplesarkar.mahaonline.gov.in/en
No Objection Certificate for Mortgage ... HPS Letter · Attested Copy of File ... Mother child protection plan.
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84 Homeowners Insurance vs. Mortgage Insurance - Investopedia
https://www.investopedia.com/homeowners-insurance-vs-mortgage-insurance-5221665
Here's the basic difference: Homeowners insurance protects your home and its contents, while mortgage insurance (also called private mortgage insurance, or PMI ...
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85 Safety Insurance Group And 5 Other Stocks Have Very High ...
https://via.news/markets/safety-insurance-group-5-other-stocks-very-high-payout-ratio/
Additionally, the company offers inland marine coverage for homeowners and business owner policies, and watercraft coverage for small and ...
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86 Investing Articles - Global Banking & Finance Review
https://www.globalbankingandfinance.com/investing-articles/
Outages: A Symptom of Machine Identity Protection Weakness · Businesses must ... BNP Paribas Asset Management and CODE Investing complete first SME loan ...
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87 How mortgage insurance can protect your family
https://www.uob.com.sg/personal/wealth/content-hub/insure/how-mortgage-insurance-can-protect-your-family.html
HPS covers you, by default, for the total value of your mortgage. Homeowners under HPS must be covered for at least the proportion of the monthly housing ...
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