#1: 作者: 下雨不愁, 时间: 2013-8-06 10:05

CMHC has notified banks, credit unions and other mortgage lenders that they will each be restricted to a maximum of $350-million of new guarantees this month under its National Housing Act Mortgage-Backed Securities (NHA MBS) program

business.financialpost...e-lenders/

写道:

CMHC’s move may increase mortgage rates charged by Canada’s largest banks by between 15 and 45 basis points, National Bank Financial Inc. analyst Peter Routledge said in an Aug. 5 research note. A basis point is 0.01 percentage point. Smaller competitors that don’t see their funding costs increase to the same degree may benefit, he said.

@JASON.WANG@RBC.COM 当真如此?那岂不是把生意从big 5挤到小银行/信用社了?

#2: 作者: GreaterFool, 时间: 2013-8-06 12:55

固定利率将继续上升,
政府这政策将造成5年固定利率在短期内上升 0.15%-0.65%

我们可以预测会继续有一些锁定利率的买家急着入市,
而这回光反照般的 成交量上升现象,在9月会随着锁定利率的过期 而急转直下

www.theglobeandmail.co...e13607534/

“Given the differentials in funding costs via NHA MBS or unsecured long-term funding, I could see [an additional] 20 to 65 basis points in the cost of funding mortgages for the larger banks,” he said. “All else equal, we could see mortgage rates start to move up in unison.”

#3: 作者: 下雨不愁, 时间: 2013-8-06 13:25

GreaterFool 写道:

固定利率将继续上升, 政府这政策将造成5年固定利率在短期内上升 0.15%-0.65% 我们可以预测会继续有一些锁定利率的买家急着入市, 而这回光反照般的 成交量上升现象,在9月会随着锁定利率的过期 而急转直下 www.theglobeandmail.co...e13607534/ “Given the differentials in funding costs via NHA MBS or unsecured long-term funding, I could see [an additional] 20 to 65 basis points in the cost of funding mortgages for the larger banks,” he said. “All else equal, we could see mortgage rates start to move up in unison.”

一个比一个预测的狠,financial post引述的是10-45个基点,到了这里就是20-65个基点。