有房贷经纪表示,随着加拿大金融机构监管办公室(OSFI)要求各大金融机构对於没有购买房贷保险的房产买家必须通过「还贷压力测试」政策实施後,各大银行和保险公司的房贷拒绝率上升了20%,许多购房者不得不转向其他中小金融贷款机构寻求借款。
安省伯灵顿市的按揭基金支持公司(Pro Funds Mortgages)主席坎帕纳(Carmen Campagnaro)指出∶「自从今年1月1日各大银行对没有购买房贷保险的房产买家和首付超过20%的购房者执行『还贷压力测试』後,不能通过压力测试的购房者上升了20%,这部分房产买家纷纷转向私人贷款公司、MICs(按揭投资公司)、信贷公司等不受OSFI政策约束和省管金融贷款机构。」
OSFI金融监督官鲁迪(Jerem Rudin)表示,OSFI已经意识到严格的房贷压力测试产生了一些没有预料的结果,像一些房产买家向高风险的个人贷款公司购买房贷,「我们不能控制我们无法控制的东西,我们的政策目的是确保政府监管的大金融机构保持安全和稳定」
房产买家纷纷转投高风险的私人贷款公司给房贷市带来潜在风险。私人贷款公司Harold the Mortgage Closer表示,它们的多伦多的房贷按揭业务明显增多,「今年以来,我们的业务量愈来愈多,对市场产生如何影响,现在判断还为时尚早。」

20% of Canadian Buyers Can’t Pass Stress Test and Transfer to High Risk Mortgage

Mortgage brokers said that with the Canadian Financial Institutions Supervision Office (OSFI) requiring major financial institutions to implement the “Repayment Stress Test” policy for property buyers who have not purchased mortgage insurance, the mortgage loans of major banks and insurance companies The rejection rate rose by 20%, and many homebuyers had to turn to other small and medium-sized financial lending institutions to seek loans.

Carmen Campagnaro, chairman of the Pro Funds Mortgages in Burlington, Ontario, said: “Since January 1st this year, major banks have paid more than 20% of real estate buyers and down payments for those who have not purchased mortgage insurance. After the homebuyers executed the “Repayment Stress Test”, buyers who couldn’t pass the stress test rose by 20%. This part of the property buyers turned to private loan companies, MICs (money mortgage companies), credit companies, etc. not subject to OSFI policy. And provincial financial lending institutions.”

Jerem Rudin, OSFI Financial Supervisor, said that OSFI has realized that strict mortgage stress tests have produced some unpredictable results, as some property buyers have purchased home loans from high-risk personal loan companies. “We cannot control we cannot What we control, our policy aims to ensure that the financial institutions supervised by the government remain safe and stable.”

Property buyers have turned to high-risk private loan companies to bring potential risks to the mortgage market. Private loan company Harold the Mortgage Closer said that their Toronto mortgage loan business has obviously increased. “This year, we have more and more business, and how it affects the market is still too early to judge.”