OSFI B20 贷款新政主要挑战的是什么?

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Kathy Wang

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20171017日一大早,加拿大银监会(OSFI)正式通过B20 贷款新政。新政将于201811日开始实施,住房贷款的审批机制将会全面收紧。新政一出,市场反响剧烈。


仔细通读OSFI的新政各项条款,发现归根结底B20贷款新政主要挑战的是:利用5年固定利率获得较高贷款额度的借款人,明年初起就批不到那么高的额度了。现行政策可以用5年固定真实利率来qualify贷款金额,而自201811日起,则需要用央行Benchmark Rate(现为4.89%)或真实利率加2%之较高者来作qualifying rate。据估算,新政会令用收入贷款的客户贷款能力减少15%-20%。然而对于可以用其它term利率来贷款的人来说,影响并没那么大。因为无论2年、3年、4年或浮动利率,当前的qualifying 利率已经是4.89%了。可能相对于真实利率(例如2年固定2.94%)2%,即4.94%, 仅仅有0.05%的差距而己,不会造成很大的贷款金额差距。








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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