CONTACT
RSS

CMHC房贷保险新规7月1日上路!

CMHC房贷保险新规7月1日上路!

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。

Reciprocity Logo The data relating to real estate on this website comes in part from the MLS® Reciprocity program of either the Greater Vancouver REALTORS® (GVR), the Fraser Valley Real Estate Board (FVREB) or the Chilliwack and District Real Estate Board (CADREB). Real estate listings held by participating real estate firms are marked with the MLS® logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by either the GVR, the FVREB or the CADREB which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of either the GVR, the FVREB or the CADREB.