Good Luck Canada, Your Households NOW OWE More Than Canada's Entire GDP: Free Money Ha or Not

[GlobeCitizen]

Households now owe more than Canada's entire GDP, housing agency warns​

Social Sharing​

https://www.cbc.ca/news/business/household-debt-gdp-1.6852027​

 

[Jay Wang]

Households now owe more than Canada's entire GDP, housing agency warns​

Social Sharing​

https://www.cbc.ca/news/business/household-debt-gdp-1.6852027​

浏览附件1095823​

好，房价必须大涨，让拿大屁民皆是百万负翁！

 

[冷笑卅声]

好呀，说明我们加拿大，勃勃生机，万物竞发，居然输给土澳囚犯，明年必须第一！

 

[ASSISTANT]

影响是，人个讲。收入不变，房屋支出增加。就的买打折品
大点讲，失业率一旦上升。就会有大面积还款违约
全看就业率了

 

[ASSISTANT]

债务多不一定是坏事。健康的通胀或许可以刺激经济。但要看债务组成结构。加国的问题是总体债务大于国民生产值。也就是说如果债务现在到期，一年不吃不喝也换不了债
关键是债务什么时候到期。一定不会一年。所以不要恐慌。但，如果现在大规模失业，就会有大片债务违约也就是要还债了。就业很关键

 

[ASSISTANT]

现在看上次央行没加息或许导致物价房价回升

 

[ASSISTANT]

看不懂你的逻辑，这么多的债务，房价还能涨？

比如，一家收入八万。有人为了利息可以代给这人二十万。这笔钱就入市流通了。房价就起来了。这家怎么还贷。就得从别的开销省。只要房贷还换得上还有饭吃就相安无事。但一旦失业，问题就来了

 

[ASSISTANT]

工资不涨，房价上不去的。你的逻辑有问题。房价能上涨的唯一原因是利息降，如果利息维持不变，房价不可能涨。但是即便是利息降了，也是可能萧条来了，很多人可能失去工作，同样房价同样上不去。

加拿大最不缺的就是土地，房价涨成这个样子完全是人为的，跟政府执政有错误关系极大。

难道我说的不是现在正在发生的么。有多少人的工资没房价涨的快。难道现在降息了么。房价涨了么
Cmhc 的理想房屋开销应该在30%.现在可能在50%也就是说日子苦了，用更多钱还贷

 

[ASSISTANT]

现在看上次央行没加息或许导致物价房价回升<===这不是你说的？这么高的债务，不加息，房子还能涨？

是呀。加息有些家就要用60%收入还贷。就吃不饱了。就不会贷款买房。那20万就不入市流通了。没人买房价就凉了

 

[ASSISTANT]

现在看上次央行没加息或许导致物价房价回升<===这不是你说的？这么高的债务，不加息了，房子还能涨？

你最后一句。现在的水平没加到。50%有人还能吃饱。就可承受贷款。在加一下到60%就不可承受。所以说央行功亏一篑

 

[ASSISTANT]

不需要加那么多，维持现在的利率，5年后就不一样了。别以为央行会想办法帮着你。

你看我那么认真多不容易。下次应该加吧

 

[云霞]

没关系的，商业银行可以通过延长还款期或者欠的利息继续当债务贷给贷款人的方式来帮助贷款人化解紧缩危机.加拿大房价高到不敢解决了。

 

[billwanhua]

https://www.cbc.ca/news/business/economy-warnings-column-don-pittis-1.6852987

Consumer confidence is surging just as banks brace for defaults. What's going on?​

Warnings come thick and fast​

The gloomy warnings have been coming thick and fast. On Wednesday, the latest arrivals to the misery party were the Canadian commercial banks. BMO and Scotiabank were the first in what is likely to be a trend by all the Canadian banks to set aside extra hundreds of millions of dollars — more than a billion for BMO — to cover loans that borrowers cannot afford to pay back in full.

While those numbers are large, they are not as large as they would be if the taxpayer didn't cover mortgage default losses. This week, however, the government agency that has to pay out if mortgage loans go bad had warnings of its own.

"We see early warning signs that more and more consumers are getting into financial difficulties," said CMHC's deputy chief economist Aled ab Iorwerth in a release on Tuesday.

In the past, Canadians have been reliable in paying back their loans, especially the mortgages that make up so much of our borrowing. But as longtime financial advisor and author Hilliard Macbeth has warned in the past, this time could be different.

There are signs ab Iorwerth and the CMHC could be coming around to a similar perspective. While current debt levels are not necessarily dangerous alone, ab Iorwerth said rising interest rates and the risk of a downturn that leads to unemployment could do serious damage to Canada's economy.

 

[billwanhua]

没关系的，商业银行可以通过延长还款期或者欠的利息继续当债务贷给贷款人的方式来帮助贷款人化解紧缩危机.加拿大房价高到不敢解决了。

贷款越还越多，如果房价跌，是不是房贷超过房价？

跟旁氏骗局一样？只要一直涨就没有问题

 

[云霞]

贷款越还越多，如果房价跌，是不是房贷超过房价？

跟旁氏骗局一样？只要一直涨就没有问题

是的。前提是房价一直涨