房贷“压力测试”新规分析

字体 -

1018日一大早,大家看到了加拿大联邦金融监管局(OSFI)的住宅房贷新规,可谓一石激起千层浪。

房贷新规的背景和主要内容

正如加拿大央行副行长在前不久的一次国际会议上所说的,测试分析表明:加拿大银行业的各项指标非常优秀,抗风险能力维持在了高水平;但是加拿大的居民的抗风险能力非常脆弱,主要是因为居民负债能力明显偏高。因此,本次房贷新规,是加拿大政府在继续加息空间有限的情况下,对居民负债带来的系统性金融风险的“定点清除”,和从2016年下半年以来的一系列措施是一脉相承的。

这次OSFI主要对Guideline B-20做出了如下修改,从201811日实行:

  1. 所有没有房贷违约保险的房贷申请,都要有“压力测试”,也就是用央行的5年期基准房贷利率(现在为4.89%)或“5年期基准房贷利率(比如3%+2%”(两者取较大值),来测算Borrower的收入水平和负债能力。

  2. 加强了对抵押物业的负债率(LTV)的要求:每个银行要规定合理保守的LTV,并认真执行,并且禁止银行在LTV方面耍滑头(比如在规定的LTV之外,又安排另一个房贷)。

对房贷申请和房市的影响

1. 会对房贷申请有什么影响?

以后五年期固定利率房贷也要进行压力测试,这意味着在相同收入条件下,固定利率贷款申请人者将会少贷15%-20%的款项。

2. 哪些房贷申请人不受新规影响?

房贷续约,而不是申请新房贷;20171231日之前申请贷款,并在120天内交房的申请人(这里面有“空子”可以钻哟!);对小银行(比如HOME TRUST)的房贷申请人,影响也不大,因为小银行一直都是用最大化的压力测试。

3. 我们该怎么利用新规?

房贷新规在201811号实施。那么,“刚需”买房人,特别想是买CondoCondo Townhouse(这两种房型的市场风险小)的朋友,如果对房价有信心,请赶上尾班车(可以在12月下offer,然后赶在圣诞假期之前提交房贷申请),这样可以多申请至少15%的房贷。对房贷在未来一年要到期的朋友,可以考虑提前锁定一个期限长一点的房贷。

对房贷申请的影响,在技术层面不是特别大,但是,对房市的短期影响还是比较明显。这是因为:

1. “刚需”买房人受冲击。一般的中产、年轻人,特别是“工薪族”,他们的房贷申请额度被大幅压缩,幅度在15%左右。换言之,“工薪族”换大房子的可能性被严重打压了,CondoCondo Townhouse的红火日子会持续一阵子。

2. 市场心理更加脆弱,大有“风声鹤唳草木皆兵”之势,那么肯定会延缓房市的回暖。

伟大的房贷基金可以帮您!

银行房贷不给力,房贷基金来帮你。我们现在管理着两支房贷投资基金、2000多万加元的住在房贷投资组合,向广大房贷经纪和Borrower提供地产融资服务:

  1. 一站式优化房贷方案:根据您的情况,向您提供专业的银行房贷申请建议,引荐靠谱的银行房贷经纪。如果银行房贷实在有难度,我们的房贷基金再上。
  2. 全面的房贷服务:贷款“备胎”和“应急 贷款预批函承诺函、分次拨款、购地房贷等。
  3. 楼花交接。两年前卖楼花时觉得准备个最多35%首付就能拿到很舒服的银行房贷,谁曾想现在银行拒绝放款了,怎么办?我们有钱,可以帮到您。
  4. 二手房交接。现在银行贷款在最后一分钟失败,那岂不是要买房人的命? “快进快出炒房族”,受不了银行贷款“审批难、罚息高”的臭毛病,怎么办?我们有钱,可以帮到您。
  5. 独立屋翻建。个人做独立屋翻建,业主一般是无法或不愿的从银行申请贷款的。如果翻建的自有资金回报率高于房贷利率的话,再加上利息费用的税盾效应,确实值得尝试用银行外房贷融资。但是,施工贷款金额大,动辄近百万,而且对Lender的专业水平要求高——这方面,我们是专家,而且有钱,可以帮到您。

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:50万加元以内融资需求24小时内可准备好资金;50-150万加元,两个工作日内可准备好资金;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。

Sales Representative, Highyon Realty Inc. Brokerage;

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

(以上内容不构成任何具体投资建议。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-591987-229195.html )

分享博文至:

    46 条评论

  1. 1
    adsf - 2018年10月17日 20:24

    Hello There. I found your blog using msn. This is a very well written article. I’ll make sure to bookmark it and come back to read more of your useful info. Thanks for the post. I’ll definitely return.

  2. 2
    Trisha - 2018年12月15日 19:29

    I always spent my half an hour to read this weblog’s articles daily along with a mug of coffee.

  3. 3
    brazil flag facts - 2018年12月16日 08:49

    I’m really enjoying the design and layout of your site. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme? Fantastic work!

  4. 4
    Lachlan - 2018年12月16日 10:38

    Usually I don’t read post on blogs, however I would like to say that this write-up very compelled me to check out and do it! Your writing style has been surprised me. Thanks, quite great article.

  5. 5
    Miranda - 2018年12月16日 14:50

    What’s up everybody, here every one is sharing these kinds of familiarity, therefore it’s fastidious to read this weblog, and I used to pay a visit this blog everyday.

  6. 6
    brazil flag facts - 2018年12月17日 09:53

    Good day! Do you know if they make any plugins to safeguard against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any recommendations?

  7. 7
    brazilian wax tips - 2018年12月17日 11:57

    I have read so many posts on the topic of the blogger lovers however this paragraph is really a pleasant piece of writing, keep it up.

  8. 8
    brazil nuts calories - 2018年12月18日 10:36

    Hello There. I found your blog using msn. This is an extremely well written article. I’ll make sure to bookmark it and return to read more of your useful info. Thanks for the post. I’ll definitely comeback.

  9. 9
    fence installation okc - 2018年12月18日 23:36

    The typical constructing allow costs about $800.

  10. 10
    fence installation price - 2018年12月19日 00:02

    Chain-link fences are especially price-effective.

  11. 11
    Alissa - 2018年12月19日 11:18

    hello there and thank you for your information – I have certainly picked up anything new from right here. I did however expertise several technical issues using this website, as I experienced to reload the website many times previous to I could get it to load properly. I had been wondering if your web host is OK? Not that I’m complaining, but sluggish loading instances times will very frequently affect your placement in google and could damage your high-quality score if ads and marketing with Adwords. Well I am adding this RSS to my email and could look out for much more of your respective fascinating content. Ensure that you update this again soon.

  12. 12
    brazilian steakhouse nj - 2018年12月20日 05:20

    I know this if off topic but I’m looking into starting my own weblog and was curious what all is needed to get setup?

    I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100% positive. Any suggestions or advice would be greatly appreciated. Thanks

  13. 13
    brazil nuts cholesterol - 2018年12月21日 06:26

    Yesterday, while I was at work, my sister stole my apple ipad and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is completely off topic but I had to share it with someone!

  14. 14
    Hubert - 2018年12月22日 23:30

    The right advice can save you time and money.

  15. 15
    shortlink.club - 2018年12月23日 00:54

    Now I am going to do my breakfast, after having my breakfast coming over again to read other news.

  16. 16
    Saul - 2018年12月23日 10:00

    That is really attention-grabbing, You’re a very professional blogger. I have joined your feed and sit up for in search of extra of your magnificent post. Additionally, I’ve shared your web site in my social networks

  17. 17
    Arden - 2018年12月23日 11:10

    At this time it looks like Drupal is the preferred blogging platform out there right now. (from what I’ve read) Is that what you are using on your blog?

  18. 18
    vinyl fence installation lowes - 2018年12月23日 11:21

    6′ wooden fences run about 1$18.00 a foot.

  19. 19
    Christen - 2018年12月23日 12:10

    Excellent way of explaining, and good paragraph to get data on the topic of my presentation topic, which i am going to deliver in institution of higher education.

  20. 20
    Chu - 2018年12月23日 13:07

    Great website. Lots of useful info here. I’m sending it to some buddies ans additionally sharing in delicious. And certainly, thank you on your sweat!

  21. 21
    brazilian wax at home - 2018年12月23日 15:11

    My brother recommended I would possibly like this blog. He was once entirely right. This submit actually made my day. You can not consider just how so much time I had spent for this information! Thanks!

  22. 22
    brazil nuts cholesterol - 2018年12月24日 03:44

    Currently it appears like Movable Type is the preferred blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?

  23. 23
    fence installation rochester mn - 2018年12月24日 05:31

    Chain-link fences are particularly value-efficient.

  24. 24
    brazil flag gif - 2018年12月24日 18:20

    Hello there, I found your web site via Google even as searching for a similar topic, your website got here up, it appears good. I’ve bookmarked it in my google bookmarks.

    Hello there, just changed into alert to your weblog via Google, and located that it’s truly informative. I am gonna be careful for brussels. I will be grateful in case you proceed this in future. Lots of other folks will likely be benefited from your writing. Cheers!

  25. 25
    fence installation cost estimate - 2018年12月24日 20:15

    Chain-link fences are especially price-effective.

  26. 26
    brazilian wax spa - 2018年12月24日 20:29

    What a information of un-ambiguity and preserveness of precious know-how on the topic of unpredicted feelings.

  27. 27
    fence installation price - 2018年12月25日 11:17

    The typical building permit prices about $800.

  28. 28
    Barry - 2018年12月25日 14:52

    Unquestionably imagine that that you stated. Your favourite reason seemed to be on the web the easiest factor to be mindful of. I say to you, I certainly get irked whilst other folks think about worries that they just do not know about. You managed to hit the nail upon the highest as well as defined out the whole thing with no need side-effects , other folks can take a signal. Will probably be again to get more. Thanks

  29. 29
    Giselle - 2018年12月25日 18:17

    The precise advice can prevent money and time.

  30. 30
    metal fence installation near me - 2018年12月25日 22:36

    The typical constructing permit costs about $800.

  31. 31
    Kandace - 2018年12月27日 23:47

    Link exchange is nothing else however it is just placing the other person’s blog link on your page at suitable place and other person will also do similar in support of you.

  32. 32
    Danny - 2019年1月4日 01:05

    I am actually thankful to the holder of this web site who has shared this impressive paragraph at at this time.

  33. 33
    Lesley - 2019年1月7日 02:30

    It’s the best time to make a few plans for the future and it is time to be happy. I’ve read this publish and if I may I wish to counsel you few interesting things or advice. Perhaps you could write subsequent articles regarding this article. I desire to read even more issues about it!

  34. 34
    Cary - 2019年1月7日 04:01

    This article will help the internet people for setting up new blog or even a blog from start to end.

  35. 35
    Daniel Dantas - 2019年1月7日 16:15

    Good day! This is kind of off topic but I need some help from an established blog. Is it very hard to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to start. Do you have any tips or suggestions? Many thanks

  36. 36
    klefer - 2019年1月7日 17:12

    Fastidious respond in return of this query with firm arguments and explaining everything regarding that.

  37. 37
    Umanizzare - 2019年1月7日 19:58

    Hello, I check your blogs regularly. Your story-telling style is awesome, keep it up!

  38. 38
    renato franchi - 2019年1月10日 13:18

    Nice weblog right here! Also your site a lot up very fast! What web host are you the usage of? Can I am getting your affiliate hyperlink on your host? I wish my site loaded up as fast as yours lol

  39. 39
    brazil flag emoji - 2019年1月15日 10:07

    Hey exceptional website! Does running a blog such as this take a lot of work? I have very little understanding of coding but I was hoping to start my own blog soon. Anyhow, if you have any recommendations or techniques for new blog owners please share. I know this is off topic but I just had to ask. Thanks a lot!

  40. 40
    Freeman - 2019年1月24日 22:30

    What i do not understood is in reality how you are now not actually a lot more well-preferred than you may be right now. You are so intelligent. You realize therefore significantly on the subject of this matter, made me in my opinion imagine it from so many numerous angles. Its like men and women aren’t fascinated unless it is one thing to do with Girl gaga! Your own stuffs excellent. Always handle it up!

  41. 41
    brazil nuts in shell - 2019年1月31日 09:46

    hi!,I like your writing very a lot! percentage we be in contact more approximately your post on AOL? I require an expert on this house to solve my problem. Maybe that’s you! Taking a look forward to peer you.

  42. 42
    Sherlene - 2019年2月23日 06:40

    I really like what you guys tend to be up too. This kind of clever work and coverage! Keep up the fantastic works guys I’ve added you guys to my blogroll.

  43. 43
    coconut oil was - 2019年11月16日 01:06

    Hello to all, for the reason that I am actually keen of reading this blog’s post to be updated daily. It includes nice stuff.

  44. 44
    tinyurl.com - 2019年11月21日 00:22

    This is a topic that’s near to my heart…

    Many thanks! Exactly where are your contact details though?

  45. 45
    http://tinyurl.com/ukmo5yg - 2019年11月21日 06:19

    I know this if off topic but I’m looking into starting my own blog and was wondering what all is required to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100% sure. Any recommendations or advice would be greatly appreciated. Thanks

  46. 46
    tinyurl.com - 2019年11月21日 07:09

    This is my first time pay a visit at here and i am actually pleassant to read all at alone place.

发表评论