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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
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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
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这就make sense了。
-songlin(松林);
2017-8-30
(#11018126@0)
+7
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甚对 甚对
-scr(working.......);
2017-8-30
(#11019206@0)
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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
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Two key points, 1. Proposed... 2. Not apply...
-locker(locker);
2017-8-30
(#11018170@0)
+5
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They will say, Fake emails, lol!
-locker(locker);
2017-8-30
(#11018189@0)
+11
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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
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Proposed! May or may not.
-locker(locker);
2017-8-30
(#11018245@0)
+2
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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)
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A specific implementation date has not yet been determined.
-kakakaka998851(挺乐呵);
2017-8-30
(#11018264@0)
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从语气看,通过了,即将实施
-kakakaka998851(挺乐呵);
2017-8-30
(#11018266@0)
+2
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那就看瀑布了
-useid_shenyuan(乡下人);
2017-8-30
(#11018421@0)
+1
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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
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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.
-palmbeach(palmbeach);
2017-8-30
{124}
(#11019200@0)
+1