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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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鲜花(14) 鸡蛋(8)
发表于 2016-10-18 09:11 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
A real estate expert believes the new mortgage rules that went into effect Monday will hit Alberta's market the hardest.$ ^8 e$ x- w1 M
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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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. s/ r0 J' F! P  C" 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 $320,000 home.
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First-time buyers, single-income earners take biggest hit with new mortgage rules
7 @$ {: k/ ~; ?4 J! N" d# TCMHC to issue 1st 'red' warning on Canadian housing market6 g( ~5 |7 ^$ A, T5 _) Y) A
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.
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% _" I! s& r# ~! q! q4 g1 w7 _"In a real estate market that's struggling to recover already, it could have a very negative impact on that market," Kinch said.# e4 i5 \$ Q% C# b- }
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Wait and see what happens, N) a1 m2 l1 c; y& k

4 c" O* j* y$ R2 M+ ]* f8 jNatalie 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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) ^. S3 w: f) t. ]8 R"It could be advantageous for us to wait and just see what happens to the market in six months," she said.8 f- L9 Y' H/ ?0 Q& e& u4 f

8 j7 F5 Q. _9 gThe 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.: v2 C5 G9 t9 _/ p

) M# w. B0 `, F; oKinch 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.
鲜花(14) 鸡蛋(8)
 楼主| 发表于 2016-10-18 09:11 | 显示全部楼层
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。
鲜花(100) 鸡蛋(11)
发表于 2016-10-18 09:15 | 显示全部楼层
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。
鲜花(26) 鸡蛋(1)
发表于 2016-10-18 14:52 | 显示全部楼层
老杨团队 追求完美
urspace 发表于 2016-10-18 09:15
& l6 L, x* ^7 e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 ...

6 {  y/ ^) s# p' C7 T/ r一炮冲天? 天方夜谭吧。
鲜花(26) 鸡蛋(1)
发表于 2016-10-18 14:55 | 显示全部楼层
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。
鲜花(100) 鸡蛋(11)
发表于 2016-10-18 14:58 | 显示全部楼层
卓越地毯清洗 发表于 2016-10-18 14:52
6 L2 P! r* h. h一炮冲天? 天方夜谭吧。
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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?
鲜花(240) 鸡蛋(18)
发表于 2016-10-18 14:59 | 显示全部楼层
老杨团队,追求完美;客户至上,服务到位!
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
鲜花(26) 鸡蛋(1)
发表于 2016-10-18 15:15 | 显示全部楼层
urspace 发表于 2016-10-18 14:58
$ ]' B- r. p$ W+ K! V  l2 f3 O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?
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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?
鲜花(100) 鸡蛋(11)
发表于 2016-10-18 15:31 | 显示全部楼层
卓越地毯清洗 发表于 2016-10-18 15:15
; i0 X& \$ T9 C- Q9 H" f1 r- 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?
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不跟你说了。。。你不懂。。。
理袁律师事务所
鲜花(14) 鸡蛋(1)
发表于 2016-10-18 17:37 | 显示全部楼层
老杨团队,追求完美;客户至上,服务到位!
reneeqq 发表于 2016-10-18 14:59  `' Q: S- ?- r$ y
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 ...

9 G7 B  g, V4 E0 K! {- U/ _9 P非常同意。" Z9 S1 J/ u& _
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。& ~8 Y1 J% T5 h. y
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。
鲜花(26) 鸡蛋(1)
发表于 2016-10-18 19:20 | 显示全部楼层
James-s 发表于 2016-10-18 17:371 O  E3 [# t- ]" t+ c: j' x
非常同意。
# V! Q3 }- t5 J% `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 ...
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分析得很有道理!
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