LZ的预测可能性不大。
美国次贷危机所引发的金融危机对加拿大房产市场影响不大。以Ottawa为例,其房产绝大部分是居民自住,炒卖的比例很小。
其次,加拿大对Mortgage的控制管理较美国严格,CMHC宣布Mortgage政策变化:
The mortgage market in Canada is changing. In July CMHC announced that they were making some large changes that are in effect October 15th, 2008 regarding a couple of their most popular programs. I read an article this week that explained that something like 60% of Canadians polled did not understand what the changes to the market were and what possible effect they will have. I am going to highlight the two largest changes that have occurred, and explain what the possible impacts of these changes will be.
The two programs that have been cancelled are:
1. Zero Down Mortgages (No Down Payment Mortgages)
this is not the first day, it's been over 1.5 years. Most affected are the mutual funds, and most mutual funds investment are in RRSP. But how many people really use RRSP to buy a house?