联邦拟收紧按揭：缩还款期增首付计管理费_加拿大家园网

get8686 · 发表于 2011-1-17 07:57

消息来源说，联邦政府拟收紧共管Condo的按揭要求，将Condo管理费百分百列作家庭开销，降低准业主的借贷能力。

政府也在研究，缩短还款年期，提升首期金额要求。

目前只计半数管理费

目前决定买家能否负担按揭，计算开销与收入比例时，只计算50%的Condo管理费。现在正讨论的新规则，则将管理费全部计算为开销，此举可能令数千有意购买共管Condo的消费者止步。

1名接近财政官员的消息来源说，政府在「认真考虑」推出新规则。

最长还款期35年减至30年

几乎可以肯定的是，政府会缩短按揭还款最长限期，从目前的35年减至30年。更长的还款期可减少每月供款金额，消费者更易增加贷款额。

加拿大认证按揭专业人员协会(Canadian Association of Accredited Mortgage Professionals)说，去年30%的新按揭，期限都是35年，所以颇多国民从目前规则得益。

增加最低首期要求

渥京也在考虑1个更具争议的建议，增加最低首期要求。一些人预计，首期要求可能从目前5%增至10%，不过消息来源说，这种可能不大，最可能是加到6%到7%。

这个建议只会影响需要按揭违约保险的买家。按《银行法》规定，如果买家从金融机构贷款时，首期金额低于20%就要购买按揭违约保险。

多伦多的建筑业与土地开发协会(Building Industry and Land Development Association)行政总裁迪皮伊(Stephen Dupuis)说，他对政府改变贷款规则尤其是共管Condo，感到担心和困扰。迪皮伊说，他可以接受还款期缩短的改变，但增加首期只会伤害市场。

渥京面对金融业不断增大的压力，被要求收紧贷款规则。道明银行(TD Bank)行政总裁克拉克(Ed Clark)，吁渥京采取措施，限制消费者贷款。

现时多伦多共管Condo每呎管理费55仙，Condo平均900平方呎。这500元的每月管理费，目前只一半当作开销，计算是否合资格做按揭。要合资格，房屋开销只能占收入32%，包括本金、利息、税项、水电等按揭开销。

catty · 发表于 2011-1-17 08:49

这样的规范措施多，市场更健康，房市又要涨了。看看今年春天的市场到底如何

浮萍人生 · 发表于 2011-1-17 14:25

本帖最后由浮萍人生于 2011-1-17 14:26 编辑

问楼上: 买房的门槛高了,买的起的人少了, 房价应该会跌吧? 为什么会涨呢? 请解惑~~~

zjmyhome · 发表于 2011-1-17 17:50

主是银行在收紧，怎么会涨了呢？

WARMHUT · 发表于 2011-1-17 18:15

银行收紧贷款，房价将下降。
是买家的好消息！

苦咖啡 · 发表于 2011-1-17 19:21

我咋觉得房子已经降了很多了嘞

UncleSam · 发表于 2011-1-17 22:33

本帖最后由 UncleSam 于 2011-1-17 22:35 编辑

1# get8686

你说的不对，看新闻吧：

By CBC News, cbc.ca, Updated: January 17, 2011 11:00 PM
Flaherty tightens mortgage taps

Flaherty tightens mortgage taps

Federal Finance Minister Jim Flaherty announced tighter mortgage rules on Monday to address concerns over high Canadian household debt.

"In 2008 and again in 2010, our government acted to protect and strengthen the Canadian housing market," Flaherty told a news conference in Ottawa. "We continue to do so today."

Flaherty unveiled three main changes:

- The maximum amortization period for a government-insured mortgage was lowered from 35 to 30 years.

- The upper limit that Canadians can borrow against their home equity was lowered from 90 per cent to 85 per cent.

- Government insurance backing on home equity lines of credit, or HELOCs, has been removed.

The first change is likely to have the largest impact. Buyers who purchase a home with a down payment less than 20 per cent of the value of the home are required to purchase government-backed mortgage insurance through Canada Mortgage and Housing Corporation.

Under the new rules, mortgages amortized over longer than 30 years will no longer qualify for that insurance, making it effectively impossible to get a highly leveraged mortgage of more than 30 years in Canada.

After companies began insuring mortgages of 40 years or more, Ottawa set the limit at 35 years in 2008 before Monday's move lowered it to 30.

Aims to stem tide on consumer debt

"This measure will significantly reduce the total interest payments for Canadian homeowners," Flaherty said.

He was referring to the fact that anyone taking a longer amortization on a mortgage would pay much more in interest over time.

Under current rules, a five per cent, $300,000 mortgage with a 35-year amortization would have a monthly cost of $1,514. When the new rules come in on March 18, a similar 30-year mortgage at five per cent will have a monthly payment of $1,610 — a $96 difference per month, but over the life of the mortgage, that adds up to $56,139 in savings.

Flaherty pitched the lowering of the amount that can be borrowed against home equity to 85 per cent as a move to ensure Canadians retain more equity in their homes.

"This will promote saving through home ownership and limit repackaging consumer debt into mortgages," he said.

The final change, to remove government insurance on HELOCs, came as a result of Ottawa's concern that certain financial institutions were allowing homeowners to roll too many consumer purchases into CMHC-insured mortgages.

"I think that's particularly risky because some of those loans are not used to create housing. They're used to buys boats, and cars and big-screen televisions," Flaherty said. "That's not the business that home insurance was designed for."

While Flaherty called the changes "moderate," they did not include an increase to the five per cent minimum down payment Ottawa requires for a home purchase. They also stopped short of a proposal that surfaced last week that would have required 100 per cent of condo fees to be included in the list of expenses that are measured against income when financial firms consider a mortgage candidate. Currently, only 50 per cent must be included.

Watchers reacted largely positively to the news.

"The speculation had been that tighter mortgage insurance rules would be included in the upcoming federal budget," BMO economist Michael Gregory noted.

But with speculation that the budget might trigger an election, the Conservative government clearly thought the issue was important enough to bring forward before a budget document that might never get passed, Gregory said.

"For the new homebuyer, the reduced amortization is a significant change that should soften the demand for homes/mortgages below what they otherwise would have been."

The head of the Canadian Association of Accredited Mortgage Professionals said the changes should help to increase equity in homes and ease fears about growing consumer debt levels.

But Jim Murphy said his association had suggested that Ottawa tighten qualification standards for 35-year mortgages, rather than abolishing them altogether.

Still, he is happy the government did not raise minimum down payment levels, which he said could have stalled the housing market. Murphy said the rule changes will likely spark a rush of buyers into the housing market before March and will pull more sales into the first part of the year.

The changes also come following recent warnings from the Bank of Canada on household debt levels.

In December, bank governor Mark Carney cautioned Canadian households and businesses not to be lulled by current low interest rates, because repercussions from a hike could be swift.

Rates 'will rise'

"While rates are low by historical standards, they eventually will rise," Flaherty said Monday. He dismissed the notion that the announcement was timed to precede the bank's next decision on interest rates, which are set to be revealed Tuesday.

"The particular timing today is not related to the interest rate announcement," Flaherty said. "The governor and I speak regularly, and we discuss these types of issues [and] we make an effort to make sure government policy complements the Bank of Canada's monetary policy."

Last week, Agathe Côté, a deputy governor at the bank, told a Kingston, Ont., audience that a sudden weakening in the Canadian housing sector could affect other areas of the economy given the high debt loads of some households.

If that shock hits, Canadians would be expected to cut back on their spending, she said.

Flaherty's announcement is the second time in three years that the government has clamped down on mortgage rules. In 2008, the government brought in several alterations, including:

- Cutting the maximum amortization period to 35 years from 40.

- Requiring a minimum down payment of five per cent.

- Establishing a requirement for a consistent minimum credit score.

- Introducing new loan-documentation standards.

External Links

Bank of Canada: Household Finances and Economic Growth
Press release on mortgage changes

Scottl · 发表于 2011-1-17 23:00

本帖最后由 Scottl 于 2011-1-17 23:01 编辑

加拿大房市会坚挺的，因为不像美国房价便宜的连Homeless如果想买都付得起首付，美国付不起房贷的多是‘小白领’和‘普通蓝领’。加拿大房价是由像阿省‘油领’，多伦多和温哥华的（移民中的）‘金领’‘官领’为主力托起来的。即使拿政府补贴的人，一旦找到工作，转月就买房子的不在少数。其实好多人不太在意政策变化。

Scottl · 发表于 2011-1-19 20:53

本帖最后由 Scottl 于 2011-1-19 20:57 编辑

今天下班的路上，听到广播里专家访谈节目，专门解释新政策。对于首付超过20%，不受新政影响（华人很少付低于20%），和过去一样，还可以贷35年。平安无事喽！

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联邦拟收紧按揭：缩还款期 增首付 计管理费_加拿大家园网

联邦拟收紧按揭：缩还款期增首付计管理费_加拿大家园网