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从昨日(7月1日)开始,在CMHC的新规之下,“高风险借款人”获得按揭贷款保险就更难了,需要有更高的信用分才有资格申请还贷违约保险。另外,住房费用如房贷、税收和电气用度等费用,不得超过收入的35%。而这个比例以前的规定是39%。


CMHC于6月4日宣布从7月1日起提高承保按揭违约的标准。首付比例介于5%至19.99%的借款人是必须购买“按揭房贷违约保险”的,加拿大有大约35%的银行按揭贷款需要投保。CMHC是加拿大最大的房贷违约保险提供商,所以基本上人们会以“CMHC保险”来统称此项保险。其保险费率为贷款额的2.8-4%。


7月1日起开始实行的新政,是将承保违约保险的信用分门槛从600提高到680,并将毛偿债率(GDS)和总偿债率(TDS)从39%和44%分别降低至35%和42%。


新的偿债率门槛,大约会使购房者降低12%的购买力。其第三项调整措施,是针对有些借款人通过私人借贷或者使用信贷额度支付首付的做法,即不再对这些没有担保的用于首付的借款视作可保险物。

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