加拿大也要讲政治,尤其是房地产!

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咱们经常讲,加拿大是市场经济、法治社会、自由民主,等等等等。殊不知,加拿大照样要讲政治、讲政策。以大家都关心的地产行业为例,兹举两例如下。

地产开发争议裁决机制大变样

业内人士都知道,以前开发商(含装修、翻建的业主)和社区居民如果与当地政府有争议,可以把官司打到OMBOntario Municipality Board)去。OMB当初成立的初衷,就是给予开发商(含装修、翻建的业主)和社区居民更多的话语权。

可想而知,各地政府老不高兴啦!经过几番较量,安省最近通过了一个新的法案,美其名曰Building Better Communities and Conserving Watersheds Act 2017。这个法案的核心内容之一,就是要给予各地政府的规划部门更多的话语权——开发商的设计需要更紧密地配合当地政府的规划,周围的居民也不能动辄以“Not In My Back Yard”来反对政府批准的规划。

不难看出:

  1. 没有了OMB撑腰,今后开发商做大一点的项目时,开发风险更大了,在做项目的时候就要更保守了。

  2. 规划已经被批准的项目,以后更加值钱了。

  3. 在好地段做单栋独立屋翻建的,今后受当地政府的限制更多,因此在设计时要留有更多余地。

那么,这个政策变化是不是会造成房市供应紧张呢?未必,因为政府的规划部门也不是吃素的,他们会考虑到当地发展和增长的需求的,只不过是希望开发商和老百姓们更听话一点。

房贷不给有钱人

最近一段时间,很多富豪朋友们都非常郁闷:明明自己很有钱、绝对不会房贷违约,但是买的房子数量稍微多一点,银行就非得要把房贷金额和收入挂钩,差一点都不行——这不是存心为难人嘛!

其实,银行心里面也知道富豪是好客户,也非常想贷款给富豪们,但是政府不让。为什么呢?因为经过近10年的实践,政府已经看到:富豪们不断地买买买,会给整个社会带来系统性的风险:

  1. 随着富豪们引领房价不断攀升,苦巴巴的中产阶级们的供房能力也就被不断挤压、负债水平不断上升,占加拿大人口绝大多数的中产阶级的违约风险其实是上升了。

  2. 随着富豪们引领房价不断攀升,工资涨幅却赶不上通货膨胀,“小白”们其实越来越穷。那么,贫富差距就会很快地加剧,会带来很多社会矛盾——加拿大的精英们可不想见到“加拿大版特朗普”上台。

因此,富豪朋友们,加拿大政府确实是在为难你们,但是有他的道理。大家还是面对现实吧!

进一步讲,“房子是用来住的,不是用来炒的”。这不光是中国“权威人士”的号召,也是加拿大政府的心声。单纯以“政府财政离不开房地产”和“移民来了就买买买”作为房价持续非理性上涨的理由,恐怕站不住脚。政策大棒已经举起,房市投机客们要小心!量力而行、有的放矢地进行房地产的开发和投资,才是长远之道。

现在,我们根据加拿大华人的需求,正在围绕“控制总融资成本、控制全过程投资风险”的核心目标,为房地产投资人、开发商提供投资、融资服务和产品,希望通过我们的努力,为华人社区在加拿大的发展壮大尽一份绵薄之力。特别是对专业水准高的房地产经纪、房贷经纪、中小开发商,我们能为他们自己或其客户迅速提供融资支持:获得物业地址后,20分钟之内可判明可行性并报价;50万加元以内融资需求24小时内可放款;50-150万加元,两个工作日内可放款;150万以上的需求,尽责调查时间要长一些,但可以边沟通边准备资金,不会误事。

Mortgage Lic #: M13000527, under KLC Financial Corporation Brokerage FSCO#12689

Highyon Realty Inc., Brokerage

(以上内容不构成任何具体投资建议,如有雷同,纯属巧合。对具体个案,欢迎来电垂询王富嘉6474000186或电邮[email protected] 或光临近期举办的投资讲座 http://info.51.ca/my/view-347387-229195.html

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