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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.5 B8 F5 q. v+ y0 Y+ ~! H

4 Z' h2 j; \$ O9 jThe changes are meant to make it tougher for buyers to qualify if they put less than 20 per cent down.. a: J) y! \; Q  m

$ Q4 l' B' G) i0 G( {" }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.
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. _7 Y/ u7 x9 `& p4 f  A  m0 aFirst-time buyers, single-income earners take biggest hit with new mortgage rules
$ D5 M. h( Y. y' j# D1 K) v, T, ACMHC to issue 1st 'red' warning on Canadian housing market
) q9 G, J! W) i0 \$ kMortgage 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.* R" A7 Y* y8 G( [6 f& T! J
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Wait and see what happens5 q0 T* \1 K. P' l
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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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8 u# Q0 j7 L8 b6 O) Q% K, V- |% k"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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% _$ X( w3 U% H6 WThe Canada Mortgage and Housing Corp. issued its first ever "red" warning on Monday, referring to real estate affordability issues spreading beyond Vancouver and Toronto.1 k. i$ L# Y( L) d' A$ `' \
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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.* p/ d9 K% f9 K+ E4 q* T% D

. I- P) k3 c0 V) Y- QKinch 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
2 k2 c* I" a" \, V& Y+ `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 ...
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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
7 _: M5 C: Z; F一炮冲天? 天方夜谭吧。

. d8 Q$ f. X6 r& O5 g6 g' K# V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?
大型搬家
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/ i$ w1 E- [4 @& o0 k' Z
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?

7 L/ w- m+ z# o, A- R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
老杨团队,追求完美;客户至上,服务到位!
卓越地毯清洗 发表于 2016-10-18 15:15
! X) l! j3 I( K5 N7 n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。。。
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
8 G. Z+ ~5 }' v& p( j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 ...
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非常同意。; s' L; F( I2 V/ V% c
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。( n/ `7 D8 q: M, Q7 G2 n
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 17:37
0 x" m  l5 M: E7 s  Y8 G$ p1 i非常同意。* H" O, @4 c7 p
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 ...

9 F7 Z) G( F3 |" ?; Q2 G3 p分析得很有道理!
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