You would have seen the changes to mortgage rules announced by the Federal Government. A lack of advance notice from the Government did not allow us to communicate this with you earlier. I have attached the RBC Economics summary of the changes to help you with the specific rule amendments.
maximum amortization
period for government-backed insured mortgages will be reduced to 25
years from 30 years.
僅僅是對於首期款不足20%的貸款申請有影響，
我自己認為對華人影響不大。
The maximum amount that an individual can borrow when refinancing will be
lowered to 80% from 85%.
現有住房抵押到最高比例80%
我認為也是夠了。 我們轉其他銀行貸款
過來做HOMELINE, 最高也是做80%。
RBC 付: 律師費 | 估價費 | DISCHARGE FEE
Government-backed insured mortgages will no longer be available for homes with
a purchase price of $1 million or more.
首期款不足20%， 要貸款1百萬。 是什麼概念？
1百萬， 每個月還款 5000左右，
家庭收入要是這個的3倍 = 15，000 × 12 月
= 180，000/年
 寫道: |
Government-backed insured mortgages will no longer be available for homes with
a purchase price of $1 million or more.
首期款不足20%, 要貸款1百萬。 是什麼概念?
1百萬, 每個月還款 5000左右,
家庭收入要是這個的3倍 = 15,000 × 12 月
= 180,000/年
|
買125萬的house。首付20%(125萬x20%=25萬)。貸款100萬。
| 寫道: |
maximum amortization
period for government-backed insured mortgages will be reduced to 25
years from 30 years.
僅僅是對於首期款不足20%的貸款申請有影響，
我自己認為對華人影響不大。
|
有什麼具體影響？比如，對貸款100萬以下的什麼影響？對買房來說，每月還款額是增加了，但是利息從30年減到25年，還利是少了；還本金則相應增加了。從賬面的數字，每月供款壓力增加了，不過這是加速還貸。
那如果首付20%，還能有30年的貸款嗎，還是只有25年
那如果首付20%，還能有30年的貸款嗎，還是只有25年
××× if YOU PAY 20% DOWN,
I THINK YOU STILL CAN USE 30RY.
**** WE WILL HAVE MORE AND MORE INFO LATER ON.
樓主 / RBCJASONWANG
