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OFSI官方回复，uninsured mortgage renewal如果是同一家银行，没有2% stress test

wakawaka(wakawaka)
本文发表在 rolia.net 枫下论坛OFSI Respond received.

Dear Mr. K,

Thank you for your email of August 25, 2017.

As announced in a revised version of the Office of the Superintendent of Financial Institutions’ (OSFI) Residential Mortgage Underwriting Practices and Procedures (Guideline B-20), the proposed change with regards to the +2% on contractual mortgage rate would only apply to new mortgage loans (if you want to buy a house), mortgage refinancing or if you decide to renew your mortgage with a different financial institution. It would not apply if you wanted to renew your mortgage with your current financial institution.
Please note that a revised version of Guideline B-20 was released for consultation on July 6, 2017 and the consultation period ended on August 17, 2017. Following the conclusion of our consultations, OSFI will finalize the guideline and set an effective implementation date for federally regulated financial institutions for later in 2017. A specific implementation date has not yet been determined.
I trust this will be of assistance.
---


It does not apply to renewals with same institution.更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#11018026@0)
Last Updated: 2017-8-30
Note: This Post has been edited by modeartor.
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Replies, comments and Discussions:

  • 枫下家园 / 枫下觅巢 / OFSI官方回复，uninsured mortgage renewal如果是同一家银行，没有2% stress test -wakawaka(wakawaka); 2017-8-30 {1111} (#11018026@0) +11
    本文发表在 rolia.net 枫下论坛OFSI Respond received.

    Dear Mr. K,

    Thank you for your email of August 25, 2017.

    As announced in a revised version of the Office of the Superintendent of Financial Institutions’ (OSFI) Residential Mortgage Underwriting Practices and Procedures (Guideline B-20), the proposed change with regards to the +2% on contractual mortgage rate would only apply to new mortgage loans (if you want to buy a house), mortgage refinancing or if you decide to renew your mortgage with a different financial institution. It would not apply if you wanted to renew your mortgage with your current financial institution.
    Please note that a revised version of Guideline B-20 was released for consultation on July 6, 2017 and the consultation period ended on August 17, 2017. Following the conclusion of our consultations, OSFI will finalize the guideline and set an effective implementation date for federally regulated financial institutions for later in 2017. A specific implementation date has not yet been determined.
    I trust this will be of assistance.
    ---


    It does not apply to renewals with same institution.更多精彩文章及讨论，请光临枫下论坛 rolia.net
    • 2% stress test大杀器，GTA房价腰斩指日可待，Tim Hortons，Walmart员工，指望房价崩溃以便抄底给子女买房的父母，众多光猛土库租客纷纷表示希望即将成为现实 -wakawaka(wakawaka); 2017-8-30 (#11018083@0) +2
    • 这就make sense了。 -songlin(松林); 2017-8-30 (#11018126@0) +7
      • 甚对 甚对 -scr(working.......); 2017-8-30 (#11019206@0)
    • OSFI官方回复the proposed change with regards to the +2% on contractual mortgage rate would not apply if you wanted to renew your mortgage with your current financial institution. -wakawaka(wakawaka); 2017-8-30 (#11018127@0) +2
      • Two key points, 1. Proposed... 2. Not apply... -locker(locker); 2017-8-30 (#11018170@0) +5
      • They will say, Fake emails, lol! -locker(locker); 2017-8-30 (#11018189@0) +11
    • 从原文看+2%的stress test对买房的措施要实施了，这相当于最大可贷款额降低22%. -kakakaka998851(挺乐呵); 2017-8-30 (#11018236@0) +1
      • Proposed! May or may not. -locker(locker); 2017-8-30 (#11018245@0) +2
        • will finalize the guideline and set an effective implementation date for federally regulated financial institutions for later in 2017. -kakakaka998851(挺乐呵); 2017-8-30 (#11018258@0)
        • A specific implementation date has not yet been determined. -kakakaka998851(挺乐呵); 2017-8-30 (#11018264@0)
        • 从语气看，通过了，即将实施 -kakakaka998851(挺乐呵); 2017-8-30 (#11018266@0) +2
          • 那就看瀑布了 -useid_shenyuan(乡下人); 2017-8-30 (#11018421@0) +1
    • 换不了银行，那些b land,c land 怎么办？另外只能在同一家银行挨宰。 -ttf(路过); 2017-8-30 (#11019177@0) +1
    • 其实银行在renew的时候,还是会做风险评估,银行不是慈善组织, 如果银行发现你换不了银行,利率肯定会上升以抵消风险. 上升 1%, 2%都是有可能的,甚至拒绝renew,总之这个stress test不是好事 -palmbeach(palmbeach); 2017-8-30 {124} (#11019200@0) +1
      另外房市成交量剧降,对银行也是有影响的,新增房贷大幅减少, 为了保持利润稳定,维护股价,必然要在存量上做文章,renew 时加息是大趋势.

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