2022房价

贾和平

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Those are contributions made by former and current Bank of Canada Governors to the Canadian housing market:


Current Bank of Canada Governor Tiff Macklem:

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Former Bank of Canada Governor Stephen Poloz:

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Key, a Toronto-based real-estate technology company advised by former Bank of Canada governor Stephen Poloz, was launching a digital platform to make home-buying easier by lowering down-payment requirements and removing the need to qualify for a mortgage. Buyers can co-own a house by paying 2.5% of a property's value, lower than the typical 20% requirement, and then make monthly payments that would partly be rent and partly go into increasing the buyer's stake in the property.

Also, the data shows CMHC was in reduction of taxpayer exposure to the housing market. The share of Insured mortgages has declined from 47% to 26% over the past five years. That could be good news for Canadian taxpayers when housing market...; on the other side of the coin, it increases the risk of...


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lifeisfun

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Those are contributions made by former and current Bank of Canada Governors to the Canadian housing market:


Current Bank of Canada Governor Tiff Macklem:

浏览附件1012116


Former Bank of Canada Governor Stephen Poloz:

f3RpHKlm

Key, a Toronto-based real-estate technology company advised by former Bank of Canada governor Stephen Poloz, was launching a digital platform to make home-buying easier by lowering down-payment requirements and removing the need to qualify for a mortgage. Buyers can co-own a house by paying 2.5% of a property's value, lower than the typical 20% requirement, and then make monthly payments that would partly be rent and partly go into increasing the buyer's stake in the property.

Also, the data shows CMHC was in reduction of taxpayer exposure to the housing market. The share of Insured mortgages has declined from 47% to 26% over the past five years. That could be good news for Canadian taxpayers when housing market...; on the other side of the coin, it increases the risk of...


FEWp5rwUcAEYca_
CMHC早就想摔锅,所以预测房价要跌,因为它已经handle不了风险了。如果崩盘,希望不要波及银行,要那样,加拿大真的要凉凉了
 

So what

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不懂就问哈,我若是一个地产人士,我做上三年两年的,可能不会再做了,原因很简单,房市这么好,保守估计从2017年算就是4/5年了,买到即赚到,我何苦要帮别人赚,我自己大把大把买买买,有个名词叫杠杆儿,买开了头儿以后,提现重贷,一个滚一个买下去,有问题吗?
 

岸桥巷

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不懂就问哈,我若是一个地产人士,我做上三年两年的,可能不会再做了,原因很简单,房市这么好,保守估计从2017年算就是4/5年了,买到即赚到,我何苦要帮别人赚,我自己大把大把买买买,有个名词叫杠杆儿,买开了头儿以后,提现重贷,一个滚一个买下去,有问题吗?
提现重贷,重贷时银行要看收入,负债重新评估的,打个比方,假设卖了现房, 再原价买回来,即使加点首付,贷款也有可能批不下来。贷款政策,个人收入和负债是在变化的。当然,滚一,两,三个.....有可能。
 
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lifeisfun

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不懂就问哈,我若是一个地产人士,我做上三年两年的,可能不会再做了,原因很简单,房市这么好,保守估计从2017年算就是4/5年了,买到即赚到,我何苦要帮别人赚,我自己大把大把买买买,有个名词叫杠杆儿,买开了头儿以后,提现重贷,一个滚一个买下去,有问题吗?
不是最多5个么
 

So what

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不是最多5个么
竟然有限数?听说过某某某某某某不下十几套房产,有的把半条街的房子都买下了,啥情况?
 

eclipse

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不懂就问哈,我若是一个地产人士,我做上三年两年的,可能不会再做了,原因很简单,房市这么好,保守估计从2017年算就是4/5年了,买到即赚到,我何苦要帮别人赚,我自己大把大把买买买,有个名词叫杠杆儿,买开了头儿以后,提现重贷,一个滚一个买下去,有问题吗?
能从银行贷到款吗?一般最多就是收入的5倍,年收入20万房贷总额就是100万,加上手里现金作首付,够几套房款?
 

welcomelm

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能从银行贷到款吗?一般最多就是收入的5倍,年收入20万房贷总额就是100万,加上手里现金作首付,够几套房款?

这个rule仅限于自主房,投资房mortgage不是按这个rule算得
 

圆oo圆

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投资房出租有收入,自住房没有收入,银行给的额度不一样。
 

eclipse

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这个就很flexible了,取决于你的收入,有没有其他贷款,还有你和银行的关系。

假设房租也算固定收入,和工资收入合在一起,然后贷款总额可以超过总额的5倍吗?可以借到多少呢?7倍?8倍?
工资5万,准备买个预估房租2.5万的投资房,总和就是7.5万,能借到50万吗?假式没别的贷款了。
 

eclipse

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B类银行都是谁啊?利率高些?
 
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