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A real estate expert believes the new mortgage rules that went into effect Monday will hit Alberta's market the hardest., T; [ D c# S; \/ B) \6 U/ G
& _4 a9 {6 i$ X& N7 \0 GThe changes are meant to make it tougher for buyers to qualify if they put less than 20 per cent down.+ y3 y( e4 c2 p% @2 }) x
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Prior to today, an Alberta family with a household income of $80,000 would likely have qualified for a $400,000 home but now they will be approved for a $320,000 home.
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First-time buyers, single-income earners take biggest hit with new mortgage rules
; @) @; u9 h* M) m7 pCMHC to issue 1st 'red' warning on Canadian housing market; _" X4 g4 }8 ?9 x: c$ \
Mortgage specialist Peter Kinch says under the new rules, affected buyers have about 20 percent less purchasing power which will put a downward pressure on the Canadian real estate market but he says the impact will be even greater in Alberta, where the slumping economy is already hurting house sales and prices.
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"In a real estate market that's struggling to recover already, it could have a very negative impact on that market," Kinch said.3 b. U+ y) ^ U8 M! O; V
; D# J6 I1 |, y4 MWait and see what happens
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! p2 t2 |+ t( u' {3 x& `9 M8 qNatalie Whitney and her young family say that's what they're banking on so they've just decided to put their house hunting on hold.3 j; y9 ^1 a% O
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"It could be advantageous for us to wait and just see what happens to the market in six months," she said.
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The Canada Mortgage and Housing Corp. issued its first ever "red" warning on Monday, referring to real estate affordability issues spreading beyond Vancouver and Toronto.
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"These factors will be reflected in our forthcoming Housing Market Assessment on Oct. 26. They will cause us to issue our first "red" warning for the Canadian housing market as a whole," CEO Evan Siddall wrote in a Globe and Mail column.1 n: `! I- m8 g) L7 d3 e! I; g
1 {1 \% s, `/ p5 [% v" u5 o' SKinch says for buyers who can't wait, they'll either need to come up with a bigger down payment or lower their expectations about what they can afford. |
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发表于 2016-10-18 09:11
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