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加拿大改变房屋贷款法条; 将令贷款购屋过程更加困难

加拿大财政部长Jim Flaherty在周四表示,国内房屋贷款法条将大幅改变,而将令低收入人士(或资金不够的人士)贷款购屋的过程更加艰难。

据了解,新法条将减短房屋贷款最长保险期到25年。目前,房屋贷款保险最长可以多达30年。

另外,新法条也将停止为任何超过$100万的住宅提供贷款保险。

报导显示,新法条企图减低普通人过度贷款买房屋的现象,而Flaherty表示新法条可以降低国人的个人负债金额。目前,加拿大国民平均债务是国民平均收入的百分之152,表示国民债务大部分超过收入水准。

Flaherty透露,他希望新法条可以稳住国内经济金融系统和地产市场。

他也表示,新法条的目标包括控制温哥华和多伦多公寓价位保障的趋势。Flaherty说,目前市场上的需求推动各大城市内大动土木的趋势,但他不确定这些新公寓发展是否是应付加拿大房地产问题的最佳良策。

加拿大政府表示,他们预测国内只有百分之5的购屋人士会受到新法条影响。

加拿大银行已经为国内国民债务负担忧虑多时。据了解,最新报告显示如果失业率上升百分之3,国内拖欠房屋数量将暴涨3倍。

 

Published by  on 六月 21st, 2012

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