1. 移民:加拿大在2021、2022和2023三年中每年将移入40万名新移民。这120万人无论是买房还是租房,都将对房产市场产生巨大的压力。卖家将不乏新的家庭可以出售,因疫情造成的租金下降将重新上涨,这将吸引投资者重入市场。
2. 低房贷利率:随着经济继续复苏,房贷利率将不可避免地开始上升。但由于许多贷款机构仍然提供远低于2%的浮动利率,至少从贷款的角度来看,在相当长的一段时间内,房产市场还是很有吸引力的。
3. 未受太大抑制的需求:即使现在有了新的压力测试规则,买家的数量仍然多于上市物业的数量。每次一个房屋在收到15个报价后售出,就意味着仍然还有14位买家需要房子。
4. 贷款机构的严格审查:贷款机构在批准贷款之前会严格审查购房者的财务状况。查验他们的信用报告,核实他们的收入,仔细衡量他们的债务收入比,等等。在加拿大,合法的贷款机构不会向负担不起的人提供房贷。
Canadian Retail
Canadian Retail reported net income was $2,182 million, an increase of 86% compared with the second quarter last year, mainly reflecting lower provisions for credit losses (PCL) and record results in wealth and insurance. Revenue increased 1%, reflecting growth in non-interest income and strong loan and deposit volumes, partially offset by lower margins and premium rebates for customers in the insurance business. PCL was lower by $1,190 million from the prior year, reflecting lower impaired and performing PCL. Reported expenses increased 4%, with higher volume-driven and employee-related expenses, partially offset by prior year charges related to the Greystone acquisition.
Business momentum accelerated this quarter, with mortgage originations up strongly, credit card transactions rising, and good account growth across all of the businesses. TD Insurance continued to take market share, becoming the third largest home and auto personal insurance provider in Canada, with strong customer engagement in its end-to-end digital capabilities.
For the fourth year in a row, TD Auto Finance was ranked Highest in Dealer Satisfaction among Non-Captive Lenders with Retail Credit by J.D. Power. Canadian Retail continues to invest in its advice and service capabilities to help customers navigate change and plan for their financial future through personalized advice and tools. TD was also recognized by the Business Intelligence Group for its AI-powered digital experiences and, as of April 2021, continues to lead in the number of Interac e-Transfer and Flash transactions.
客户信用卡债务降低,主要还是房贷低利率而房价涨,许多人作refinance, 从房子里套出许多现金还了信用卡债务。
with mortgage originations up strongly, credit card transactions rising, and good account growth across all of the businesses. TD Insurance continued to take market share, becoming the third largest home and auto personal insurance provider in Canada, with strong customer engagement in its end-to-end digital capabilities.
地产贷款是首先提到的增长强项。