按揭贷款保险的新规则

字体 -

Kathy Wang

33MortgageLoanInsurance.jpg


今年103日,加拿大政府颁布了按揭贷款保险的新规则。这些新规则影响了所有贷款的计算资格利率,对贷款比例等于或低于80%的交易型贷款合格要求有了新的变化。


 


贷款资格计算利率(Qualifying Interest Rate


20161017日起,所有首付款少于20%需要购买贷款保险的贷款申请必须要经过“贷款利率压力测试”如下:


贷款资格计算利率 = 合同利率或加拿大央行公布5年期固定贷款利率的较高者

*当前的qualifying rate4.64%


 


贷款比例等于或低于80%的合格要求 Eligibility Requirements where the Loan-to-Value Ratio is 80% or Less


20161130日起,交易型低比率贷款必须要满足7项新要求。 新增的要求如下:


1、贷款目的

购买住宅物业,不包括再按揭贷款

2、最长贷款摊销期

25

3、最高购房价格

不高于100

4、浮动利率贷款

如果贷款合同允许在合同期内由于利率浮动而导致贷款摊销期的波动,则贷款月供必须每5年按原贷款摊销期重新计算

5、信用分数

至少有一个借款人(或担保人)的信用分数不低于600

6、偿债率参考(GDS/TDS

最高GDS 39%/TDS 44%,按合同利率或加拿大央行公布5年期固定贷款利率的较高者来计算

7、居住要求

如果物业只有一个单位,则必须为屋主自住


 


新的贷款合格要求其实显示出保险公司对银行作为放贷人进行贷款产品打包投保时所能包含的贷款合同的合格要求。也就是说再按揭贷款和出租物业贷款将不会被包含在贷款保险保障的范畴内。对于银行(及所有其他Lender)来说,不能参加承保的贷款产品,贷款成本就会相应提高。针对此新要求,有些银行已经开始上调了出租物业的贷款利率。很有可能今后对再按揭贷款的利率也将会进行相应调整的。


 


政府的贷款保险新规则势必将会给贷款政策和利率带来相应的变化。从最近两周的贷款利率调整可见一斑。今后还会有哪些变化,让我们拭目以待吧。


 


 


 (本文仅代表个人观点)


 


如有问题欢迎随时致电Scotiabank房贷专家Kathy(王雷) 647-291-7958,或加微信kathywl


分享博文至:

    56 条评论

  1. 1. how to get help in windows 10 - 2019年5月26日 09:06

    Hey! This is my first comment here so I just wanted to give a quick shout out and tell you I genuinely enjoy reading through your articles. Can you suggest any other blogs/websites/forums that go over the same subjects? Thank you so much!

  2. 2. ps4 best games ever made 2019 - 2019年6月12日 01:03

    Hmm it seems like your website ate my first comment (it was super long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog writer but I’m still new to the whole thing. Do you have any recommendations for inexperienced blog writers? I’d certainly appreciate it.

  3. 3. plenty of fish dating site - 2019年6月22日 05:30

    Hi all, here every one is sharing these kinds of knowledge, thus it’s fastidious to read this website, and I used to pay a visit this website everyday.

  4. 4. how to get help in windows 10 - 2019年7月16日 09:59

    I every time used to read post in news papers but now as I am a user of internet thus from now I am using net for posts, thanks to web.

  5. 5. how to get help in windows 10 - 2019年7月17日 21:02

    When some one searches for his vital thing, therefore he/she wants to be available that in detail, thus that thing is maintained over here.

  6. 6. descargar facebook - 2019年8月18日 13:05

    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 will certainly comeback.

  7. 7. quest bars cheap - 2019年8月24日 04:28

    I pay a quick visit daily a few web sites and websites to read articles or reviews, except this web site provides quality based articles.

  8. 8. quest bars cheap - 2019年9月6日 19:45

    Hi i am kavin, its my first time to commenting anywhere, when i read this post i thought i could also make comment due to this brilliant article.

  9. 9. coconut oil - 2019年11月9日 17:33

    Hi there, the whole thing is going nicely here and ofcourse every one is sharing facts, that’s actually excellent, keep up writing.

  10. 10. plenty of fish dating site - 2019年11月11日 00:24

    Good day! Do you know if they make any plugins to protect against hackers?

    I’m kinda paranoid about losing everything I’ve worked hard on. Any suggestions?

发表评论