CMHC宣布即将上调贷款违约保险费, 这是怎么回事儿?

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Kathy Wang

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Canada Mortgage & Housing Corporation CMHC)作为加拿大提供贷款违约保险三家公司之中唯一的央企,日前宣布,将从2017317日起,上调向投保违约保险业主收取的保险费率。对于CMHC投保业主来说,以首付低于10%贷款金额25万为例,平均每个月的月供额大约会上涨5刀。


CMHC的这一决定无疑是对11日起生效的监管资本新要求的一个回应。资本监管要求是决定贷款保险费率的重要因素。新的监管资本要求保险公司持有比以前更多资本。因此保险公司才会提高保费以应对。

需要提醒大家的是,CMHC的新保费仅对317日或之后递交的保险生效,如果您在317日前保险已经获批,即使交房日晚于317日保费也不会上调的。所以对现已投保的CMHC客户来说,保费是没有变化的。

CMHC已经行动了,接下来看私企Genworth Canada Guaranty 做何反应吧。

由此,不禁联想到2016年底至今几大银行对利率进行的不断上调,我们依稀看到了政府对稳定房地产市场价格做出的举措。

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对于银行来说, 自去年1130日起,按揭保险的新要求缩小了银行可投保的按揭贷款数量。新增的要求将再按揭贷款(refinance),出租物业(rental property)贷款,高于100万的物业贷款,和摊销期长于25年的贷款统统排除在银行可投保的贷款范围之外。这就造成了这几类贷款的利率可能会高于普通贷款。因为不能打包购买保险,造成银行的资本占用增加,银行成本上升。银行以上调利率来解决成本增加的问题。这与CMHC增加保费的目的类似。

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几项新出台的贷款保险新规,怎么看都像为疯涨的房地产市场增加了几道减速带。但愿利率调了、保费涨了,能把一路高歌猛进的房价打压一小下吧?

(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


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