醒了?!你越想雪中送炭，我偏要釜底抽薪

zzcheng

https://betterdwelling.com/canad ... -real-estate-risks/

Cobra

Households may soon face loan-to-income (LTI) and debt-to-income restrictions that restrict total leverage. The LTI ratio is the measure of household debt as a share of income. For example, a 200% LTI ratio means a borrower has an outstanding loan that’s 2x their income. When a mortgage has a LTI ratio of 450% (4.5x income), the borrower is considered overleveraged, or highly indebted. Breaching this threshold means a borrower is vulnerable to shock.


总贷款不能超过收入4.5。过去银行贷款不是也基本按照收入*4来算的吗？没觉得这个限制跟过去有什么差别啊。除非就是承认过去根本没有认真执行！

Cobra

看了一下，收入造假就可以绕过所有测试。

Cobra

Insured borrowers are tested to ensure that their housing payments don’t exceed 39% of their income with a gross debt service ratio (GDS). Housing payments and all other debt, such as auto and student loans, are restricted to 44% of income using a debt service ratio (DSR).

这个以后不再是对“insured" only了，所有人都适合。Again，income可以造假，更多的可以说自己出租的收入。

Cobra

OSFI is considering eliminating this risk by applying different MQRs based on product risk characteristics. For example, a variable rate mortgage just demonstrated higher risk than its fixed-rate alternatives. Since longer fixed terms have lower risk of payment shocks, they would have a lower qualifying rate.


这个合理。

bokchoy888

Cobra 发表于 2023-1-13 07:51 PM
Insured borrowers are tested to ensure that their housing payments don’t exceed 39% of their income ...

道高一尺魔高一丈， 认识个没收入的，“好经纪”  + “好 broker" , 前后搞了 3 套

Cobra

bokchoy888 发表于 2023-1-14 02:05 AM
道高一尺魔高一丈， 认识个没收入的，“好经纪”  + “好 broker" , 前后搞了 3 套

如果完全收入造假（就是说真的没有收入，而不是没有交税收入），那么在高利率环境下，最先倒的就是这些人。