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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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& d/ [# q1 o& qThe changes are meant to make it tougher for buyers to qualify if they put less than 20 per cent down.
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' z0 N9 f& f' r1 L; ]2 j nPrior 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 $320,000 home.1 Z! j3 B5 R* ^- V" m. u
' x7 ~5 W* j" EFirst-time buyers, single-income earners take biggest hit with new mortgage rules
+ M5 n2 q M! F# E, ]% Z7 s2 dCMHC to issue 1st 'red' warning on Canadian housing market
% n2 g. S* u& E/ _0 e) ?Mortgage specialist Peter Kinch says under the new rules, affected buyers have about 20 percent less purchasing power which will put a downward pressure on the Canadian real estate market but he says the impact will be even greater in Alberta, where the slumping economy is already hurting house sales and prices.$ W9 b2 M# |0 A" T7 c9 v4 @
0 S1 Q. H2 t$ h' m2 T M6 F"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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( Q: p' ~( X3 l9 uWait and see what happens
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7 t/ I9 A+ S$ S; Z- o& c6 `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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$ t0 v7 |4 a& y; X0 o& v$ \8 `% S"It could be advantageous for us to wait and just see what happens to the market in six months," she said.7 E# ?+ T7 [7 Q# g# l0 J! ? t |
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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.# u1 S/ S' @1 @3 v( i; W, X
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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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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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发表于 2016-10-18 09:11
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