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持牌贷款经纪 最后编辑于 2017-12-11 16:17:31

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原文:OSFI proposals would require stress tests to qualify for all uninsured mortgages, and would make the qualifying rate for them the contract rate plus two per cent

By Garry Marr and Barbara Shecter

Canada’s top banking regulator is taking aim at uninsured mortgages in the latest effort to cool overheated pockets in the country’s real estate market.

Proposals unveiled Thursday by the Office of the Superintendent of Financial Institutions (OSFI) would require stress tests to qualify for all uninsured mortgages, and would make the qualifying rate for these mortgages the contract rate plus two per cent.

“If you really want to influence the market, you have to influence the non-insured segment of the market,” said Benjamin Tal, deputy chief economist at CIBC World Markets.

The changes proposed by OSFI, if finalized later this year in their current form, could slow growth in mortgage originations by a full percentage point to around 4.5 per cent, he said.

Tal said insured mortgages account for about 45 per cent of originations, but that is expected to shrink to around 25 per cent within three years due in part to earlier tweaks to the rules for mortgage insurance.


Doug Porter, chief economist with Bank of Montreal, said the impact of OSFI’s new proposals would be felt in the country’s hottest housing markets.

“If adopted, it will have a significant impact on the Greater Toronto Area and Vancouver markets (which have been dominated recently by non-insured borrowers),” he said.

The federal government and the banking regulator have been taking steps since last year to cool the housing market and reign in risks taken on by lenders as house prices soared. Most of the recent efforts have focused on the insured segment of the market largely backed by government insurance.


In addition to the broader new rules for the uninsured market, Thursday’s proposals would require federally regulated mortgage lenders, such as banks, to consider and adjust for the local market conditions when they use loan-to-value (LTV) measurements as a risk control.

“OSFI is emphasizing the need for prudence when valuing a property for the purpose of underwriting, calculating LTVs, and setting lending thresholds for uninsured mortgage loans,” the regulator said in Thursday’s document.

Home equity lines of credit, or HELOCs, are to be treated with the same prudence, the regulator said.

A third proposal is to prohibit co-lending or mortgage “bundling” arrangements that appear designed to circumvent regulatory requirements. This would hit a small segment of the mortgage market — estimated at less than one per cent by ratespy.com founder Rob McLister. He said the co-lending prohibition, if adopted, is expected to have the greatest impact on mortgage companies that primarily provide loans to people who don’t qualify for funding from the big banks.

“Apart from raining on the parade of non-prime lenders, this will have little impact on the housing market,” McLister said.

In 2016, Ottawa tightened the rules on lending by requiring that anybody with a loan backed by the federal government – through mortgage insurance — had to qualify based on the posted five-year fixed rate set by the Bank of Canada, as opposed to the lower rate on their contract.

The current five-year fixed rate is based on the most common rate for that term at the six major banks. It currently sits at 4.64 per cent, about 200 basis points higher than actual rates — effectively meaning consumers must qualify based on the ability to make a much higher monthly payment. That ultimately means a smaller loan.

The new rules applied to consumers with less than 20 per cent down, and any mortgages put into government-backed securitization programs were also subject to the test.

After these changes, market watchers noted that the government and regulators had not targeted uninsured mortgages — a growing percentage of the market since Ottawa made changes to restrict its backing to homes worth less than $1 million.


由Garry Marr和Barbara Shecter



CIBC世界市场副首席经济学家本杰明·塔尔(Benjamin Tal)表示:“如果您真的想要影响市场,就必须影响非保险市场。




蒙特利尔银行首席经济学家道格·波特(Doug Porter)表示,该国最热门的住房市场将会感受到OSFI新提案的影响。







第三个建议是禁止出现旨在规避监管要求的共同贷款或抵押“捆绑”安排。这将导致抵押贷款市场的一小部分 - 估计不到百分之一的ratespy.com创始人罗伯·麦克莱斯特。他表示,如果采取这种共同贷款禁令,预计对抵押贷款公司产生最大的影响,主要是向不符合大资金资格的人提供贷款。


2016年,渥太华收紧了贷款规定,要求由联邦政府支持的借贷人 - 通过抵押保险 - 必须根据加拿大央行设定的5年期固定利率,而不是较低的合同费率。

目前的五年固定利率是以六大银行最常见的利率计算。目前为4.64%,高于实际利率约200个基点 - 这意味着消费者必须基于每月支付高得多的资格。这最终意味着一笔较小的贷款。


在这些变化之后,市场观察人士指出,政府和监管机构并没有针对未经保险的抵押贷款 - 自渥太华进行变更以来,市场份额的增长将会限制在不到100万美元的房屋。

持牌贷款经纪 最后编辑于 2017-07-07 17:49:27


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原帖由 tablakelock 于 7/8/2017 2:25:04 PM 发表


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There’s more to a mortgage broker’s role than getting a good deal
Produced by Globe Edge Content Studio
Published Monday, May 08, 2017 10:48AM EDT
Last updated Thursday, May 11, 2017 11:41AM EDT
Arguably one of the most underappreciated roles in the home-buying process is that of a mortgage broker. Often prospective home buyers turn to their banks for their mortgage needs. However, an experienced mortgage broker can be the difference between a good mortgage deal and a great mortgage deal that can save thousands of dollars in the long run.

“Being in financial services, it’s our job to keep a constant finger on the pulse of the financial industry and news,” said a Nova Scotia-based broker. “We cannot control interest rates, but we can keep a close watch on indicators for protecting our clients against unnecessary costs.”

A successful broker works hard to differentiate herself while functioning in a highly competitive environment. One way to do that is by staying current with constantly changing rules and guidelines; especially true today with recent government changes highlighting an even greater need for mortgage professionals.

Moreover, the demand for instant connectivity and direct communication has given rise to cutting edge product offerings including: various mortgage calculators, digital guides for buying your first home, and online mortgage approval and tracking system, like the Canadian lender First National’s Merlin, a portal that gives brokers real-time status for every stage of a deal.

Borrowers can also access online mortgage management tools that helps keep tabs on your mortgage.

According to an Ontario-based broker, gone are the days when people called your office and waited to hear back. Clients want to be able to connect with brokers and access information right when they need them.

Consequently, many brokers participate in social media sites such as Facebook or Twitter in order to share useful information in a timely fashion. Plus, it’s a great place to interact with millennial clients.

Increasingly, brokers are working collaboratively with other experts to meet some of their clients’ home-buying requirements that may fall outside the broker’s area of expertise. “Working with some of the top minds in the business, sharing ideas and best practices has been of mutual benefit to all involved,” said the Nova Scotia-based broker.

The results speak for themselves. The Nova Scotia broker was contacted as a last-ditch effort by a client whose mortgage application was rejected by her bank after it pre-approved the mortgage for a property the client was under contract to purchase. 

“We were able to complete a thorough review and restructure her financial picture much more favourably, significantly reducing her monthly obligations and subsequently securing her purchase financing approval, with her own bank,” added the broker.

A broker’s role isn’t limited to helping Canadians buy homes. “Their job is to understand a client’s long- and short-term goals, based on the life stage they're at, and then offer advice closely aligned to the client’s financial situation,” said the Ontario-based broker.

It’s a sentiment that is echoed by brokers across Canada. “Our business is primarily relationship driven and is customer-centric from start to finish,” said the Nova Scotia-based broker. “We walk them through the mortgage from beginning to end, which is particularly valuable to first-time home buyers who walk away with a new level of understanding of how the mortgage ties into their overall financial picture in the short and long term.”

This content was produced by The Globe and Mail's Globe Edge Content Studio, in consultation with First National. The Globe's editorial department was not involved in its creation.

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俯首江左有梅郎 发表在8楼
哈哈,你还是老样到处点火 又皮痒了是不?!


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Please review the below Rate Table and select an option.

Current Discount Mortgage Rates    September 05, 2017
ARM    -0.20%
1 Year    2.39%
2 Year    2.14%
3 Year    2.44%
4 Year    2.64%
5 Year    2.59%
7 Year    3.44%
10 Year    3.84%


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Current Discount Mortgage Rates    September 19, 2017
ARM    -0.30%
1 Year    2.64%
2 Year    2.54%
3 Year    2.64%
4 Year    2.94%
5 Year    3.04%
7 Year    3.44%
10 Year    3.84%


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Toronto-area family on the hook for $37K commission after failed home purchase

[url=]Housing deal falls through, family forced to pay[/url]


A family that walked away from their dream home is being asked to pay the lost commission. Pat Foran explains.

CTVNews.ca Staff
Published Thursday, September 21, 2017 11:23AM EDT

A Toronto-area family who decided to walk away from a new house they agreed to buy says they are shocked to find out they still have to pay real estate commissions, even though the deal never went through

Marcello and Anita Mastroianni decided this past spring to sell their semi-detached home in Vaughan, Ont., north of Toronto to buy a larger house for their growing family. They say their agent told them their house would fetch at least $1 million once they listed it, so they made an offer to purchase another home nearby for $1.3 million.

But within weeks of signing the paperwork, the real estate market in the Greater Toronto Area began to cool sharply and both homes dropped in value.


The Mastroiannis had hoped to buy a larger house in Vaughan, Ont.

After reassessing their finances over the summer, the Mastroiannis decided to walk away and not close the home purchase. They knew they would lose their deposit, but they didn’t realize they would be on the hook for so much more.

They received a notice from their real estate agent, Vince Tarasca, which stated he was going to pursue them for the commissions that he lost.

The Mastroiannis were told the buyer’s representation agreement they signed states that "…the buyer agrees to pay such a commission…even if a transaction…is not completed, if such non-completion is (due) to the buyer's default or neglect."

The commission their agent says they owe? $36,753.

In a statement to CTV News, Tarasca explained that many hours and days were devoted to the family and that agents involved did their jobs correctly, “with integrity and honesty.”

He said of the Mastroiannis: "...they refused to close, stringing sellers, agents, mortgage brokers and lawyers along the way… This is a case of a client taking advantage of the current situation of the housing market due to buyer's remorse."

The Mastroiannis say if they could have closed the deal, they would have.

"We didn't end up in the house, we lost a large deposit. So how do you go about thinking you are allowed your commission? The deal never went through," Anita Mastroianni said.

The matter will be settled in court. The agent says any money recovered will be donated to charity.

With a report from CTV Toronto’s Pat Foran

持牌贷款经纪 最后编辑于 2017-09-21 17:13:04


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