地产专家称新贷款紧缩政策将严重打击阿省房市

feat · 发表于 2016-10-18 09:11

A real estate expert believes the new mortgage rules that went into effect Monday will hit Alberta's market the hardest.

The changes are meant to make it tougher for buyers to qualify if they put less than 20 per cent down.

Prior 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.

First-time buyers, single-income earners take biggest hit with new mortgage rules
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Mortgage 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.

"In a real estate market that's struggling to recover already, it could have a very negative impact on that market," Kinch said.

Wait and see what happens

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.

"It could be advantageous for us to wait and just see what happens to the market in six months," she said.

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.

"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.

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.

feat · 发表于 2016-10-18 09:11

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 · 发表于 2016-10-18 09:15

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 · 发表于 2016-10-18 14:52

urspace 发表于 2016-10-18 09:15% A! y* I1 R( J4 \
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 · 发表于 2016-10-18 14:55

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 · 发表于 2016-10-18 14:58

卓越地毯清洗发表于 2016-10-18 14:52# Z6 }& g: O3 a% r$ s3 ?" k
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 · 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，但房价也绝高不了

卓越地毯清洗 · 发表于 2016-10-18 15:15

urspace 发表于 2016-10-18 14:58
# C' n7 _0 d3 ~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？

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 · 发表于 2016-10-18 15:31

卓越地毯清洗发表于 2016-10-18 15:15) s9 N7 \+ W& L! {5 `6 r# x
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？

不跟你说了。。。你不懂。。。

James-s · 发表于 2016-10-18 17:37

reneeqq 发表于 2016-10-18 14:590 F( P! c2 C V) d( @' w, ?
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。
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 · 发表于 2016-10-18 19:20

James-s 发表于 2016-10-18 17:37! M& z6 d3 M. {
非常同意。4 d$ v9 X# s# s: q% L* t
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！

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