• Jeffrey Niu

原创 | 崩盘暴跌还是废纸一张——安省新政之后的市场观察


安省新政两周之后,市场总体波澜不惊,倒是各公众号不断掀起新高潮,HCG的高台跳水甚至让不少国内公众号集体震惊:“楼市血腥崩盘,这个国家或大难临头”,“又一家金融机构崩盘,次贷危机卷土重来”,”加拿大楼市崩盘,根子在这里”。

相反,新政出来第二天,加国某著名公众号发文“废纸一张,安省打压楼市16条新政没什么实际作用”。

危言耸听和粉饰太平都是耍流氓

在此友情提醒:公号震惊刷流量,投资还得眼睛亮。


近期亲历的几个市场状况:

1、成交时间变长,供应有所增加。Oakville Bronte附近一条不足300米街道几乎同时挂出3套待售房源,一个多月仍未有一套成交,本周同一街道又挂出一套出售和一套出租。

2、贷款政策微调,利率稳中有降。新政出台后五大行贷款政策也出现微调,有的对海外投资者提高了利率,有的对豪宅、非核心地段房产提高了首付比例,有的降低了个别区域房产的贷款总额上限。

3、个别海外买家因为新政暂时转为持币观望,并不是因为没钱,而是因为国内资金一时半会出不来。


小结:

1、靠分析历史数据预测顶部的专家往往会被现实啪啪打脸。楼市的核心是资金问题。把握和理解未来的货币政策走向更能准确判断楼市走向。当五大行开始实质性收紧新移民、非居民和海外投资者贷款的时候,请提前管好自己的钱袋。

2、加拿大五大行的按揭贷款市场占比在八成以上,HCG 作为B lender,即便真的破产,五大行之一直接收购也不是不可能,对市场心理层面影响大于实质影响。

3、选择固定利率的投资人所支付的风险兑价有进一步提高的可能,因为利率不但没有涨,反而略有下跌。

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TOLL FREE TEL: (844) 644-1818

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info@primemortgagebroker.ca

CONTACT US

 2010 Winston Park Drive, Suite 200

Oakville, ON L6H 5R7

TOLL FREE TEL: (844) 644-1818

TOLL FREE FAX: (844) 644-1819

info@primemortgagebroker.ca

PRIME is part of TMG The Mortgage Group – an award-winning Canadian mortgage brokerage with a national team of over 800 qualified and accredited mortgage brokers, agents and associates providing residential and commercial mortgage services. Since 1990, TMG has helped over a quarter million Canadians get the best financing solutions and mortgage rates through Canadian mortgage lenders from coast to coast.

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8 - 70 Yorkville Avenue,Toronto, ON, M5R 1B9

TOLL FREE TEL: 1-877-677-8462

TOLL FREE FAX: 1-855-604-3069

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maridian_edited
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