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NoIdisagree

NoIdisagree
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Realtors brace for next mortgage crackdown amid shadow banking fear

The real estate industry is “holding its breath” as regulators look to extend tough mortgage rules in the face of a sharp slowdown in the country’s largest market.

Canada’s banking regulator, the Office of the Superintendent of Financial Institutions, is taking aim at the uninsured mortgage market – where homeowners make a down payment of 20 per cent or more. OSFI is proposing stringent stress tests for those borrowers, in line with what’s already happening in the insured market.

The period for public comment on the proposal - formally known as Guideline B-20 - ends on Thursday, but the industry is already sounding the alarm over the potential fallout.

“There is a concern that there has been too much change, too quickly,” Lauren Haw, CEO of online real estate portal Zoocasa, told BNN in an email.

“The industry is already holding its breath to see if the typical back-to-school buyers return in the fall, and this would only serve to further slow the market.”

Toronto, the last hot market left standing until this spring, is in rapid cool-down mode following government intervention. Sales have plummeted and the average selling price is 19 per cent below the record highs of April.

“We need to question whether regulators want to add momentum to this slowdown,” James Laird, co-founder or RateHub and president of Canwise Financial, told BNN in email.

By his math, the more stringent stress test will cut a potential homebuyer’s purchasing power by some 18 per cent.

Laird provides the following example:

A family with an annual income of $100,000 with a 20 per cent down payment can currently afford a home worth $792,813 (based on a 2.64 per cent mortgage rate and accounting for property tax and utility costs).
If stress-tested to qualify at 4.64 per cent, that same family would afford $146,579 less home.

Laird sees three potential consequences of a more stringent stress test: borrowers may turn to family for loans to qualify for the property they want; some will adjust their expectations; and some simply won’t buy.

Then there’s always the shadow banking industry.

“If this stress test goes through as it currently reads, it would cause a large number of current borrowers and buyers to be pushed into alternative and subprime mortgages,” Bruce Joseph, principal broker at Anthem Mortgage, told BNN via email.

Still, Joseph says Guideline B-20 is the kind of tough medicine the housing market needs.

“This sector typically has much looser standards, and a large scale push towards more prudent lending at this point - although negative for home prices - is a move towards long-term stabilization in the financial system,” said Joseph.

“If they were in place prior, it would have prevented many of the structural economic issues we now face.”

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Xrayzer

Xrayzer
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     2 楼
太长了, 翻译下呗

NoIdisagree

NoIdisagree
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     3 楼
原帖由 Xrayzer        于 8/12/2017 9:38:23 AM 发表
太长了, 翻译下呗
你说你 读了那么多英文 考了好几科 拿到了JJ证 这点英文对你来说小意思 基本上就是说贷款收紧了 但是不要紧 我们相信政府是不会不出手的 政府会一直让房价UP UP UP !!

NoIdisagree

NoIdisagree
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     4 楼
大家要有信心 借高利贷也要买啊!!!

wsshnr

wsshnr
     5 楼
原帖由 NoIdisagree 于 8/12/2017 9:36:06 AM 发表
Realtors brace for next mortgage crackdown amid shadow banking fearThe real esta......

                                房地产经纪人准备迎接在影子银行恐惧中的下一次抵押贷款打击

面对全国最大的市场急剧下滑,房地产行业正在“呼吸”,因为监管机构希望扩大强硬的抵押贷款规则。

加拿大银行业监管机构金融机构总监办公室正在针对无保险抵押贷款市场 - 房主首付20%或以上。OSFI正在为这些借款人提供严格的压力测试,符合已投保市场的情况。

公众对该建议(正式称为准则B-20)的评论期间星期四结束,但行业已经对潜在的后果感到震惊。

网络房地产门户网站Zoocasa的首席执行官Lauren Haw在一封电子邮件中告诉BNN,“担心太多变化太快了”。

“业界已经在呼吸,看看典型的回归学校买家是否在秋季回归,这只会进一步减缓市场。

多伦多,直到今年春天的最后一个热门市场,在政府干预之后,正处于快速冷静模式。平均销售价格比四月份创历史新高大幅下滑19%。

“我们需要质疑监管机构是否希望为这一放缓增添动力。”联合创始人或RateHub和Canwise Financial总裁James Laird在电子邮件中向BNN表示。

按照他的数学,更严格的压力测试将把购房者的购买力降低约18%。

Laird提供了以下示例:
年收入10万美元的家庭,首付20%,目前可以负担一笔价值792,813美元的房屋(按照按揭利率的2.64%计算,财产税和公用事业费用)。
如果压力测试符合4.64%的限制,同一家庭将能够减少146,579美元的家庭住房。

莱尔德认为三个潜在的后果是更严格的压力测试:借款人可能会转向家庭贷款以获得他们想要的财产; 有些会调整他们的期望; 有些根本不会买。

那么总是有影子银行业。

Anthem抵押贷款首席经纪人布鲁斯•约瑟(Bruce Joseph)通过电子邮件告诉BNN,如果这个压力测试目前正在进行中,这将导致大量现有的借款人和买家被推入替代和次级抵押贷款。

不过,约瑟说,Guideline B-20是房屋市场需要的坚韧药物。

约瑟夫说:“这个行业通常有更宽松的标准,而且在这一点上大规模推动更谨慎的贷款 - 尽管对房价是负面的 - 是金融体系长期稳定的一个举措。

“如果以前已经到位,就会阻止我们现在面临的许多结构性经济问题。”

google自动翻译

wsshnr 最后编辑于 2017-08-12 16:59:39

Yyupi

Yyupi
|
     6 楼
5 楼,你还是回家洗洗睡吧.
我用三个字总结一下:涨!快入货!

wsshnr

wsshnr
     7 楼
原帖由 Yyupi          于 8/12/2017 4:50:08 PM 发表
5 楼,你还是回家洗洗睡吧.我用三个字总结一下:涨!快入货!......
冒着"枪林弹雨"也要冲?

NoIdisagree

NoIdisagree
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     8 楼
原帖由 wsshnr 于 8/12/2017 5:31:15 PM 发表
冒着"枪林弹雨"也要冲?
必须冲冲冲 房价涨涨涨

Yyupi

Yyupi
|
     9 楼
原帖由 wsshnr 于 8/12/2017 5:31:15 PM 发表
冒着"枪林弹雨"也要冲?
当然冲.没危就没机.lol

NoIdisagree

NoIdisagree
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     10 楼
对 虽然我不是经纪 但我同意楼上的看法 大家冲冲冲 才有我的美好未来g

wangoo

wangoo
     11 楼
从加息,外汇管制,外国买家税,每一条都是房市的紧箍咒。

NoIdisagree

NoIdisagree
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     12 楼
原帖由 wangoo 于 8/12/2017 7:51:17 PM 发表
从加息,外汇管制,外国买家税,每一条都是房市的紧箍咒。......
你只看多伦多 温哥华房价大涨怎么说

NoIdisagree

NoIdisagree
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     13 楼
加拿大统计局的数据都告诉大家一定要买买买 你们不信政府吗
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