cmhc对rental property新规定9月28号实施，rental income可望100%计算

[mimi_ge]

https://www.cmhc-schl.gc.ca/en/hoficlincl/moloin/rean/rean_057.cfm

 

[jxyiliu]

对收入不高却又想进入出租房市场的人可能是利好，但是如果收入不高，又如何能存出首付呢？鸡肋条款大多数时候。

 

[Danieljiang]

不是太明白什么意思啊

 

[Anakin]

不是太明白什么意思啊

意思就是要着了。

 

[ccc]

Treatment of Rental Income for Borrower Qualification Purposes — Homeowner (1 – 4 Units)
Secondary rental suites are recognized as a source of affordable housing offered at a cost that is often lower than those for apartments in purpose built rental buildings.

Effective September 28, 2015:

• CMHC will consider up to 100% of gross rental income from a 2-unit owner-occupied property that is the subject of a loan application submitted for insurance. The annual principal, interest, municipal tax and heat (P.I.T.H) for the property including the secondary suite must be used when calculating the debt service ratios.
• For 3 – 4 unit owner-occupied and 1 – 4 unit non-owner occupied properties the net rental income (gross rents less operating expenses) can form part of the borrowers’ gross annual income.

Additional conditions when 100% of gross rental income is used include:

• The income must have been sustained over at least two years.
• The income amount must not exceed the average of the past two years, to address income fluctuations, smooth out cyclical trends and unexpected events such as vacancies.
• Up to 100 percent of gross rental income may be used only where prospective borrowers can demonstrate a strong history of managing credit generally considered to be a minimum credit score of 680.

CMHC is working closely with lenders to ensure a smooth transition.

 

[sqcd111]

能用中文说一下吗？

 

[ottawa_it_blue_collar]

能用中文说一下吗？

简单说就是炒房者有福了，买房出租的收入算incoming 100%, 以后可以借更多钱炒房了

 

[mimi_ge]

此项规定是针对owner occupied property的，大多的很多legal duprex是最大受益者