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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& k9 D+ |0 ]+ I/ A: A; b' \; H, MPrior 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 $320,000 home.
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6 u: p6 R" g3 lFirst-time buyers, single-income earners take biggest hit with new mortgage rules
4 U4 K! s8 S1 r, |7 [CMHC to issue 1st 'red' warning on Canadian housing market
; f+ r  [0 V4 }  wMortgage specialist Peter Kinch says under the new rules, affected buyers have about 20 percent less purchasing power which will put a downward pressure on the Canadian real estate market but he says the impact will be even greater in Alberta, where the slumping economy is already hurting house sales and prices.
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2 S$ I3 h5 N) h, J5 Y"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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Wait and see what happens
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8 B" s$ }- O+ C" E) H0 E1 ]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.

# {* F- u/ T' Y: Q"It could be advantageous for us to wait and just see what happens to the market in six months," she said.

: J1 y! H0 ^1 i) |- fThe Canada Mortgage and Housing Corp. issued its first ever "red" warning on Monday, referring to real estate affordability issues spreading beyond Vancouver and Toronto.

- C6 F' H. z" ^. q: u3 U"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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Kinch 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
4 Q) S; \9 n: w, u+ F6 T/ f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 ...

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。

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
3 X3 k% M7 ?' ]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？

6 F9 Q+ t" z) ~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
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？

5 b3 s+ [2 F  j1 p$ ^5 p* W: ~不跟你说了。。。你不懂。。。

James-s

reneeqq 发表于 2016-10-18 14:59
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 ...

( g7 r/ Y, S+ S+ T; P非常同意。
2 F' g2 M6 C6 M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。
2 O5 t1 S# ^2 z1 a$ S2 Y$ i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
) ^* j, a, a9 \. N8 M7 `非常同意。
, a2 W' T. G" [# Y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 ...

分析得很有道理！