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加拿大房贷压力测试利率下调
Canada’s mortgage stress tests just got a little easier





《环球邮报》7月18日报道称,用于加拿大房贷压力测试的利率自2016年以来首次下调,使得想要圆住房梦的加国人士离梦想又近了一点点。
 
根据加拿大央行的最新数据,加拿大的房贷压力测试利率已经从5.34%降至5.19%。自2018年5月以来房贷压力测试利率一直保持5.34%的水平,该利率源于加拿大六大银行最常见的五年期固定贷款牌告利率。(市场利率要比贴牌利率低得多,一些贷款机构提供的五年期固定贷款折扣利率低至2.47%。)
 
随着加拿大央行提高关键利率(key interest),同时债券收益率走高,加拿大房贷压力测试的门槛利率在2017年至12018年间已经上调了数次。

但是,由于世界各地许多国家的央行现在都在考虑放宽政策,贷款环境已经发生了显著变化。此外,影响五年期固定贷款利率的加拿大五年期债券收益率在今年也出现了下跌。蒙特利尔银行利时证券(BMO Nesbitt Burns)的最新研究报告称,在这些因素的影响下,五年期固定贷款利率已经下降约70个基点。


 
压力测试旨在确保房主和潜在买家在利率升高的情况下仍有能力继续偿还房贷,并且只适用于受联邦监管的贷款机构。2016年秋季,联邦财政部颁布新规,要求投保的购房者或首付低于20%的购房者必须接受新的压力测试,以证明自己在贷款利率上调至加拿大央行的牌告五年期房贷利率水平时仍有偿贷能力。在这之后,加拿大银行业监管机构金融机构监管署(Office of the Superintendent of Financial Institutions,简称OSFI)又要求首付超过房价20%不需要房贷保险的买家亦必须接受压力测试,以证明自己在贷款利率上调至加拿大央行的牌告五年期房贷利率水平,或比合同利率高出2个百分点时仍有偿贷能力,这一新规在2018年开始生效。
 
金融机构监管署推出的压力测试新规被普遍认为是影响加拿大房地产市场转售活动的因素之一。
 
新的压力测试门槛利率会对购房者的购买能力产生实际影响。根据RateSpy.com网站的计算,对于那些首付20%,年收入为$5万元的购房者来说,门槛利率降低可以使得他们有能力购买比之前贵大约$4,000元的房屋。而对于那些年收入达到$10万元,首付同样为20%的购房者来说,他们将有能力购买比之前贵大约$8,300元的房屋。(RateSpy假设购房者没有其他任何债务,且贷款期限为30年。)



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