Тезисно если, то будет 5% минимум даун (под который в принципе можно взять кредит, но он не будет застрахован государством, т.е. банки будуть думать).Feds rule out 40-year, zero-down mortgages
Updated Wed. Jul. 9 2008 11:01 PM ET
CTV.ca News Staff
In an effort to protect Canadians from a U.S.-style subprime mortgage meltdown, the federal government is making 40-year mortgages with no money down a thing of the past.
The Department of Finance announced Wednesday that it will limit the maximum amortization period to 35 years.
The government will also require a minimum down payment of five per cent of the home's value. It will no longer guarantee mortgages in which the buyer has borrowed the total amount.
The new rules will take effect Oct. 15, 2008, and will not affect existing mortgages.
Currently, homebuyers can get government-backed insurance on mortgages, in which the loan-to-value ratio is up to 100 per cent. Under this scenario, the buyer has borrowed all the money for a home, and is covered by insurance for the entire amount.
Under the new scheme, homebuyers could still borrow the five per cent down payment -- but it won't be insured.
http://www.ctv.ca/servlet/ArticleNews/s ... hub=Canada
Вместо 40 лет максимум будет 35.
Плюс еще вот это (оттуда же):
И все это с 15 Октября.Also under the new rules:
* Mortgages that begin with "interest-only" payments and home equity lines of credit will also not be covered by the government guarantees.
* There will be a set maximum of 45 per cent for the proportion of gross income spent on debt servicing and housing-related fixed or essential payments.
Ужесточаются требования => отваливаются халявщики, снижается давление на рынок => дома пойдут униз. Ура, товарищи!!
купит
