地产专家称新贷款紧缩政策将严重打击阿省房市

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A real estate expert believes the new mortgage rules that went into effect Monday will hit Alberta's market the hardest.
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The changes are meant to make it tougher for buyers to qualify if they put less than 20 per cent down.
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1 S8 Q8 h6 O# y7 ?  n% `% A- R1 s. QPrior to today, an Alberta family with a household income of $80,000 would likely have qualified for a $400,000 home but now they will be approved for a $320,000 home.

/ S" I7 g8 {7 AFirst-time buyers, single-income earners take biggest hit with new mortgage rules
CMHC to issue 1st 'red' warning on Canadian housing market
" c: Y% u5 J  \& I* Y: lMortgage specialist Peter Kinch says under the new rules, affected buyers have about 20 percent less purchasing power which will put a downward pressure on the Canadian real estate market but he says the impact will be even greater in Alberta, where the slumping economy is already hurting house sales and prices.
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"In a real estate market that's struggling to recover already, it could have a very negative impact on that market," Kinch said.
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4 s' ^; B* x! m( y" @Wait and see what happens
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Natalie Whitney and her young family say that's what they're banking on so they've just decided to put their house hunting on hold.
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"It could be advantageous for us to wait and just see what happens to the market in six months," she said.
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The Canada Mortgage and Housing Corp. issued its first ever "red" warning on Monday, referring to real estate affordability issues spreading beyond Vancouver and Toronto.
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"These factors will be reflected in our forthcoming Housing Market Assessment on Oct. 26. They will cause us to issue our first "red" warning for the Canadian housing market as a whole," CEO Evan Siddall wrote in a Globe and Mail column.
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3 t) G7 Z- R/ \. D2 V. iKinch says for buyers who can't wait, they'll either need to come up with a bigger down payment or lower their expectations about what they can afford.

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意识是说，收紧的房贷政策以及压力测试，将对于经济下行的阿省打击最大。很多买家从准备买房改变为观望。买家的购买力向低价房转移。本来8万年薪家庭购买力是40万房，现在只能获得32万房贷款资格。

urspace

好事，这样房价上涨会受到控制，稳定一下以后再一炮冲天。。现在是买房大好时机，错过了不知道要等多少年了。

卓越地毯清洗

urspace 发表于 2016-10-18 09:15
/ [8 N, e2 x/ W* V! K6 z4 v$ d( P好事，这样房价上涨会受到控制，稳定一下以后再一炮冲天。。现在是买房大好时机，错过了不知道要等多少年了 ...

) K+ h- E* [7 _4 K1 e# T一炮冲天？ 天方夜谭吧。

卓越地毯清洗

爱城的房价在全国来说，不算高，新的贷款限制可能影响不大。对多伦多和温哥华影响应该更大，因为那里的房价太高了。

urspace

卓越地毯清洗 发表于 2016-10-18 14:52
一炮冲天？ 天方夜谭吧。

4 g# }# I" T) l" Q/ n1 m0 i呵呵，天方夜谭？过去十年就曾经发生过，为什么是天方夜谭？解释下？

reneeqq

爱城是 welfare city, 25％的从业人员在政府工作，包括医疗，教育，这类工作相当于 welfare job, 所以稳定，但房价也绝高不了

卓越地毯清洗

urspace 发表于 2016-10-18 14:58
呵呵，天方夜谭？过去十年就曾经发生过，为什么是天方夜谭？解释下？

5 D- @6 `3 |  i; G两年多以前油价都在100块左右一桶，房价都没怎么涨，现在油价掉了一半，怎么让房价一炮冲天？

urspace

卓越地毯清洗 发表于 2016-10-18 15:15
6 M) q  L3 ]2 }! G两年多以前油价都在100块左右一桶，房价都没怎么涨，现在油价掉了一半，怎么让房价一炮冲天？

: h+ A8 g1 a9 }" @" Z) e7 u  h不跟你说了。。。你不懂。。。

James-s

reneeqq 发表于 2016-10-18 14:59
- Z! l+ b% h! p: i* e爱城是 welfare city, 25％的从业人员在政府工作，包括医疗，教育，这类工作相当于 welfare job, 所以稳定 ...

非常同意。
就算是12、13年石油价高，经济形势好房市好的时候，屯里的房价也不算特别高，根本没法和温哥华多伦多相比。想想就知道了，爱屯经济再好，也就是就业增加，买房多是因为确实需要住的人多。真正房价能一飞冲天的城市是有人在炒房。就算石油价格涨上去正在能房价一飞冲天的城市也应该是卡城，怎么也轮不到爱城。只是长远来讲，房价不会跌应该是对的，只是对爱城来说恐怕涨幅就很有限了。
$ i( e/ l$ m7 D0 J再说石油以前是必需品，尤其是汽车需要大量石油，现在所有的大型车商都开始转型投资新型电动车能源车，恐怕石油很难恢复到一桶上百的辉煌历史了。

卓越地毯清洗

James-s 发表于 2016-10-18 17:37
0 l1 l# C  e) `! p6 S5 {5 f3 B非常同意。
就算是12、13年石油价高，经济形势好房市好的时候，屯里的房价也不算特别高，根本没法和温哥 ...

; G1 t' i2 i6 o% k2 a分析得很有道理！