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。


新政主要挑战的是:


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。


不受新政影响的情况:


同时,B20新政策对于新移民、非居民、等特殊项目的贷款人来说,由于并不要求提供收入证明,因此影响是非常有限的。除非新移民贷款额超过100万需要提供收入证明时才会有影响。另外,对于简单的贷款到期renew的借款人,由于不涉及重新审批,也是没有任何影响的。


新政之下的应对之策:


今年6月以来,先是非居民、新移民的贷款政策收紧,现在又增加了对用收入审批贷款政策的收紧,不由总是令人有些山雨欲来风满楼的感觉。总之,在贷款政策收紧、加息预期增加的情况下,不妨建议您,如果有18个月内交接的楼花,最好在今年年底前就把贷款额度批好,到交房前120天再锁定利率就好啦。这样就完全不受B20影响了。另外,如果你明年有投资的打算,也建议趁新政未实施之前把现有的房屋贷款通过refinance做到贷款或HELOC额度最大化。这样,就可以为明年买房预留一定的信用空间啦。


 


(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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