这篇文章写得很好，请主张所有贷款都要压力测试的人仔细看看

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我也发了这篇文章的节选。一个核心问题在于
什么是insured mortgage?
是不是所有mortgage都是insured mortgage?
如果不是，为什么有些首付超过20%的mortgage还是insured mortgage?

第一个"Change"那几段讲得很清楚。不是么？

 

[DWorld Blade]

第一个"Change"那几段讲得很清楚。不是么？

As of Oct. 17, a stress test used for approving high-ratio mortgages will be applied to all new insured mortgages – including those where the buyer has more than 20 per cent for a down payment.
所有都有个定语“Insured”.
那什么是new “uninsured” mortgage呢？到底在加拿大有没有呢？还是大银行就可以提供20%首付以上的不需要额外买保险的mortgage呢？

 

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As of Oct. 17, a stress test used for approving high-ratio mortgages will be applied to all new insured mortgages – including those where the buyer has more than 20 per cent for a down payment.
所有都有个定语“Insured”.
那什么是new “uninsured” mortgage呢？到底在加拿大有没有呢？还是大银行就可以提供20%首付以上的不需要额外买保险的mortgage呢？

我从这文字理解（作者理解正确与否忽略），所有贷款都要通过stress testing，忘记“insured"一词。

The change

Expanding a mortgage rate stress test to all （insured） mortgages.

What it is

As of Oct. 17, a stress test used for approving high-ratio mortgages will be applied to all new （insured） mortgages – including those where the buyer has more than 20 per cent for a down payment. The stress test is aimed at assuring the lender that the home buyer could still afford the mortgage if interest rates were to rise. The home buyer would need to qualify for a loan at the negotiated rate in the mortgage contract, but also at the Bank of Canada’s five-year fixed posted mortgage rate, which is an average of the posted rates of the big six banks in Canada. This rate is usually higher than what buyers can negotiate. As of Sept. 28, the posted rate was 4.64 per cent.

Other aspects of the stress test require that the home buyer will be spending no more than 39 per cent of income on home-carrying costs like mortgage payments, heat and taxes. Another measure called total debt service includes all other debt payments and the TDS ratio must not exceed 44 per cent.

Who it affects

This measure affects home buyers who have at least 20 per cent for a down payment but are seeking a mortgage that may stretch them too thin if interest rates were to rise. It also affects lenders seeking to buy government-backed insurance for low-ratio mortgages.

Why

The government is responding to concerns that sharp rises in house prices in cities like Toronto and Vancouver could increase the risk of defaults in the future should mortgage rates rise.

 

[DWorld Blade]

I don't think there is uninsured mortgage, but there are different insurers, may be three. For major banks, the new rules are not a big deal, since they should have already done the stress tests for years. The major impact, in my opinion, is for private lenders. But I have no ideas about the market share the private lenders have. Regardless, the house market will be affected.

比如cibc五年fixed就可以按2点多的利息计算 其他产品就得stress test

 

[Doubleedgesoft]

多数人根本搞不懂贷款，没有自己搞几次，是弄不清楚的。

 

[DWorld Blade]

还请专业人士解答

 

[yao2004bj]

楼主到底在纠结什么？我买房的时候付了50%down，一样做了stress test，做了有怎么样呢？

 

[DWorld Blade]

楼主到底在纠结什么？我买房的时候付了50%down，一样做了stress test，做了有怎么样呢？

这事儿可能跟我有一点点的关系吧 但是我就想探讨清楚而已 不过估计这时候也没有人有更清楚的答案了

 

[ccc]

楼主到底在纠结什么？我买房的时候付了50%down，一样做了stress test，做了有怎么样呢？

区别在这里：

http://bbs.comefromchina.com/threads/1542871/#post-10188995

这里有另外一个例子：　http://bbs.comefromchina.com/threads/1542691/page-7#post-10188187

据加拿大广播公司报道，家住渥太华的Anna Seifried和Matt McLennan夫妇二人最近正在准备买房，这两条新政出台后，打乱了夫妻俩的全部计划。

他们原本攒够了首付，计划贷款购买一栋离工作地点比较近、价格在$500000至$600000之间的房子，给孩子一个好一些的环境。但新政出台后，贷款要求更严格了。他们的首付金额和收入水平原本可以贷款买到$600000左右的房子，现在却不可能了。

贷款“压力测试”要求贷款者有能力在最高标准的五年期贷款利率（加拿大银行五年期贷款利率为4.64%）条件下仍然能负担还款。

例如，一位年收入$100000加元的贷款者，购房首付$40000，原本可以以2.17%的利率贷款购买价值$665435加元的房子；按照新政要求，同样的年收入和首付金额，这位贷款者现在只能贷款购买价值$505762加元的房子。

对于Seifried和McLennan夫妇来说，这意味着他们可能因为无法获得贷款而不得不放弃价格相对较高的满意房子。

 

[JX]

过去只有贷款人准备使用浮动利率或少于五年term固定利率的才用压力测试，无论首付多于或少于20%，使用5年固定利率的无压力测试。现在无论首付多少，何种利率都会有这个测试。所以有一些人会被排除

 

[ccc]

过去只有贷款人准备使用浮动利率或少于五年term固定利率的才用压力测试，无论首付多于或少于20%，使用5年固定利率的无压力测试。现在无论首付多少，何种利率都会有这个测试。所以有一些人会被排除

就是降低了贷款额度。