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查看     | 回复 9 CMHC总裁 Evan Siddall15分钟前刚发布的官方文章,支持压力测试,痛斥高房价

iamad

iamad
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https://www.cmhc-schl.gc.ca/en/media-newsroom/cmhc-statement-letter-standing-committee-finance-fina





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iamad

iamad
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     2 楼
论坛几位由空转多的高位接盘侠们还期望取消压力测试,好让其他接盘侠来继承衣钵呢。

俯首江左有梅郎

俯首江左有梅郎
     3 楼
这就对了,支持打击高房价,打击炒房

MapleFarm

MapleFarm
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     4 楼
为数不多的明白人啊

MapleFarm

MapleFarm
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     5 楼
#1, 负债收入比下不来,不会取消压力测试。#2, 对承保的房贷来说,出风险不是因为利息升高,是因为失业。#3, 经济下滑时,银行会雪上加霜,抛弃质量不高的贷款(guess it is to recall or not to renew), 政府不希望看到这个。#4, 高房价是罪魁祸首, lol.....

IP“Easing of the stress test buffer is therefore not called for as rates rise. In neither case is an interest rate shock the underlying concern. OSFI will presumably want to maintain an underwriting buffer through the economic cycle. And we will continue to support it for insured mortgages until debt to income ratios moderate significantly in Canada. The single largest risk to an insured mortgage is the homeowner’s  unemployment — not higher interest rates. Our objective is to protect economic growth and jobs.”

We can take the thinking a step further. Lenders often engage in pro-cyclical behaviour such as dumping assets in the face of a crisis, especially weaker assets, sending asset values even lower. We wouldn’t want lenders hiding behind the stress test to justify refusing to renew mortgages. OSFI evidently chose a lesser evil: effectively requiring that existing lenders support their existing customers — a practice they will monitor — in a crisis. Inherently, the policy means that lenders must therefore re-price these exposures instead of refusing to renew.

The Real Culprit: High House Prices

Critics of the stress test ignore the fact that high house prices are the overwhelming reason why home ownership is out of reach. There are many economic and other factors behind this. In fact, the stress test has helped moderate house prices, making home ownership easier. If I can borrow an analogy from my colleague, OSFI Superintendent Jeremy Rudin: having braked hard enough to stop your car from barreling down a hill, you don’t declare victory and release the brakes.

紫气西来

紫气西来
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     6 楼
昨天雅虎头条说加拿大的债务不但没减少,还增加了。看来b20和压力测试效果并不好,只是实话实说。

MapleFarm

MapleFarm
|
     7 楼
紫气西来 发表在6楼
昨天雅虎头条说加拿大的债务不但没减少,还增加了。看来b20和压力测试效果并不好,只是实话实说。[at...
其他债务上升,房贷债务下降了。没有B20, 现在更不可收拾了。

UT_ZYF

UT_ZYF
|
     8 楼
紫气西来 发表在6楼
昨天雅虎头条说加拿大的债务不但没减少,还增加了。看来b20和压力测试效果并不好,只是实话实说。[at...
当然b20让流动性巨减,击鼓传花突然鼓停了,一点准备都没,唯一刚需都被压到90w一下房子,house买家只能安心当房东…现在市面上的房子就像股市里融资盘一样一定要被洗出去的,当下能减小杠杆一定要减,死扛只能更惨

烟斗

烟斗
     9 楼
原帖由 MapleFarm      于 2019/5/23 16:22:02 发表
其他债务上升,房贷债务下降了。没有B20, 现在更不可收拾了。......
房贷债务下降了?真服你了,张口就来,想啥说啥。
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