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2012年6/21日政府再度公布新政 紧缩住房贷款

发布时间: 2012-07-15 被阅览数: 246 次 来源:

 

2012年6/21公布的CMHC新政: http://business.financialpost.com/2012/06/21/ottawa-cuts-mortgage-amortizations-to-25-years/
1. 房贷最长偿还期从30年缩减为25年
2. Re-finance 时可借的数量,从85%降至80%
3. 中止(CMHC 政府担保的)贷款大于100万
4. 借款债务比例(GDS)将设定上限:39%
,总债务比例(TDS)将设定上限:44%

2012年6/21公布的OSFI新政: Guideline B-20 - Residential Mortgage Underwriting Practices and Procedures
1. HELOC 房屋净资产抵押贷款上限减至65%
2. 严格化收入证明
3. 养房费(包括电费,房屋保险,地税, 等等)及其他贷款将加入借款债务比例的计算


GF:
如何面对7月9日政府房贷新政 / What are the consequences of new mortgage rules?

Mortgage rules to be tightened further by Ottawa
Amortization rules, home equity borrowing limits to be more strict
Jun 20, 2012 9:07 PM ET

The government announced Wednesday it will reduce the maximum amortization period for a government-insured mortgage, lowering it from 30 to 25 years, and also drop the upper limit that Canadians can borrow against their home equity from 85 per cent to 80 per cent.

www.cbc.ca/news/busine...tened.html

Ottawa will announce two other changes, according to a source. It will no longer allow high-ratio mortgages over $1-million, and it will cap the gross debt service (which looks at a consumer’s total debt payments as a percentage of their income) at 39 per cent. While many banks tend not to allow mortgages over 40 per cent, there had been no official rule in place.
www.theglobeandmail.co...le4358876/


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