Other measures have more teeth. The maximum amortisation period for a mortgage willnow be 25 years, down from 30. That should hurt demand: last year about 40% of newmortgages were for terms longer than that. Refinancing a home will be allowed only up to80% of its value, down from 85%. Homebuyers will have to demonstrate their housing costsare no more than 39% of their gross household income. On top of Mr Flaherty s measures,the Office of the Superintendent of Financial Institutions, Canada s banking regulator, slappeda loan-to-value limit of 65% on borrowing against home equity.
其他那些则更为有力。抵押贷款最长还贷期限如今将从30年降低至25年。这势必将减少需求:去年约有40%的新贷款的期限是超过25年的。允许的房屋再融资的上限从房屋价值的85%降至只有80%。购房者还须证明他们的住房支出不超过家庭总收入的39%。费拉逖的举措中,紧随其后的是,加拿大的银行监管部门,联邦金融机构监督办公室,将贷款和自有资金间的贷款估值比率的限制猛降至65%。
Craig Alexander, the chief economist for TD Financial Group, estimates all this will be theequivalent of about a 1% rise in mortgage rates for most homebuyers. He believes thatwill produce a slow unwinding of the housing market. If he is right, and Mr Flaherty s variousinterventions avoid the collateral damage that would be caused by an actual interest-raterise, Canada s admirers will have another thing to swoon over.
【2015考研英语阅读该出手时就出手】相关文章:
最新
2016-10-18
2016-10-11
2016-10-11
2016-10-08
2016-09-30
2016-09-30