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開辟個人空間: 2019-02-11
最後更新: 2020-07-09

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Mortgage growth is slowing, but home equity loans are ticking up at twice the pace, says CMHC

2018-08-01 11:23:33

business.financialpost...sales-cmhc

買房申請新的mortgage的人少了，拿現有的房子去抵押借錢出來還信用卡欠款或close樓花的人卻多了。這樣的游戲還能繼續玩多久？

點擊: 0 | 評論: 14 | 分類: 上傳 | 論壇: 買房賣房 | 論壇帖子

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if you cannot get a mtg there's no way to get a he/loc

2018-08-01 12:23:02 | 引用

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many ppl mistakenly believes that if you own a house the bank will offer you a he/loc, g'teed approval, it's far cry from the truth. the bank use the same policy to approve a mtg and/or a he/loc, either way, you are borrowing same amt of money.

ie, assuming you own a house worth 1mill, clear titled. if you are requesting for a refinance of 500,000 and the bank decline your application, there's no way the same bank can offer you a 500,000 he/loc instead.

2018-08-01 12:26:33 | 引用

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RBCJASONWANG 寫道:

if you cannot get a mtg there's no way to get a he/loc

我去年開的heloc還有20多萬的額度沒用呢。但我知道現在很多人迫不得已要從heloc裡拿錢出來close樓花

2018-08-01 12:27:42 | 引用

RE:

shelly.royan 寫道:

我去年開的heloc還有20多萬的額度沒用呢。但我知道現在很多人迫不得已要從heloc裡拿錢出來close樓花

many ppl's he/loc is not enough to cover the new purchase...

2018-08-01 12:30:02 | 引用

無題

that's why private lending is so hot right now...

the market rate is about: 8% + 2% one time fee...

1yr term ONLY

2018-08-01 12:30:41 | 引用

無題

many ppl will take this offer b/c developer does not allow them to flip before closing.

2018-08-01 12:32:14 | 引用

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RBCJASONWANG 寫道:

many ppl's he/loc is not enough to cover the new purchase...

如果你有獨立屋，市值100萬，用去年的貸款政策可以開到一個65萬的heloc。假設你之前買了一個60萬的樓花今年交樓，可是今年有了B20，mortgage辦不下來了，想在交樓前轉出去又沒人要，這種情況下你只有從heloc裡拿錢出來把樓花close掉

2018-08-01 12:35:24 | 引用

RE:

shelly.royan 寫道:

如果你有獨立屋，市值100萬，用去年的貸款政策可以開到一個65萬的heloc。假設你之前買了一個60萬的樓花今年交樓，可是今年有了B20，mortgage辦不下來了，想在交樓前轉出去又沒人要，這種情況下你只有從heloc裡拿錢出來把樓花close掉

yes, you are very lucky if your he/loc > new mtg amt requested for the condo purchase

2018-08-01 12:37:42 | 引用

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RBCJASONWANG 寫道:

that's why private lending is so hot right now...
the market rate is about: 8% + 2% one time fee...
1yr term ONLY

What do these people do after the first year? Where are they gonna get the cash?

2018-08-01 12:44:06 | 引用

無題

急什麼，說不定明年習大大開倉救市，全世界良民齊呼”吾皇萬歲萬歲萬萬歲！”

2018-08-01 14:27:09 | 引用

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