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升息吧，影响不大，只有不到30%的加拿大人有mortgages

mikesmith(老猫)

Canadians are buying into the narrative that higher mortgage rates will wreck half of households. A survey making the rounds saying exactly that doesn’t help, but the narrative existed before the survey. Fortunately, this isn’t true. How can we be sure? Well, let’s start with less than a third of households have a mortgage. Less […]

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https://betterdwelling.com/no-most-canadians-are-not-living-in-fear-of-higher-mortgage-rates/

(#14242582@0)
Last Updated: 2022-1-4
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枫下家园 / 枫下觅巢 /
tor
Toronto Area

升息吧，影响不大，只有不到30%的加拿大人有mortgages -mikesmith(老猫); 2022-1-4 {827} (#14242582@0)

Canadians are buying into the narrative that higher mortgage rates will wreck half of households. A survey making the rounds saying exactly that doesn’t help, but the narrative existed before the survey. Fortunately, this isn’t true. How can we be sure? Well, let’s start with less than a third of households have a mortgage. Less […]

Full Story:
https://betterdwelling.com/no-most-canadians-are-not-living-in-fear-of-higher-mortgage-rates/

土豆欠的那么多钱，咋办？ -world1(上海回民); 2022-1-4 (#14242590@0)

狮子多了不痛，再来400亿 -mikesmith(老猫); 2022-1-4 {786} (#14242596@0)

The federal government and Indigenous leaders have struck a historic $40 billion agreement-in-principle to compensate young people harmed by Canada's discriminatory child welfare system while reforming the system that tore Indigenous children from their communities for decades.

Full Story:
https://www.cbc.ca/news/politics/first-nations-child-welfare-agreements-in-principle-1.6302636

政府又印钱了。好奇这个长期盼跌网站betterdwelling背后的老板是谁，NDP吗 -czczcz(看得清); 2022-1-4 (#14242895@0)

这个网站绝对有背景的，这么多年离谱的骗了多少盼跌，还有人不停转载，背景很深啊。 -yingli(ying); 2022-1-4 (#14243022@0) +2

搞个网站来长期唱，到底是为了什么？搞不懂。 -czczcz(看得清); 2022-1-4 (#14243730@0)

加息其实对政府的欠债不利 -vicky2005(孩子她爹); 2022-1-4 (#14242611@0)

只要债主让你欠,欠多少债从来都不是个事 -xiaozuiba(xiaozuiba); 2022-1-4 (#14242831@0)

债主傻吗？ -world1(上海回民); 2022-1-4 (#14242834@0)

美国/加拿大多年来这么多内债外债还不是一样玩的转,你说呢? -xiaozuiba(xiaozuiba); 2022-1-4 (#14242863@0)

不是不爆，时候未到。 -world1(上海回民); 2022-1-4 (#14242901@0)

想太多了。影响可以忽略不计。 -geekcode(文心雕码); 2022-1-4 (#14243031@0)

加税 -jtax(吾土吾民); 2022-1-4 (#14242874@0)

坊间说法是加息会直接摧毁加拿大经济，因为加息会导致房市崩塌。“Keeping low rates to protect a small share of homeowners from reduced profits is silly. -the_dumb_one(悔不该); 2022-1-4 {139} (#14242602@0)
Doing it while 100% of the population provides an indirect subsidy with higher inflation? That’s just bad math”的说法不知道有没有人背书。
支持升息 -jtax(吾土吾民); 2022-1-4 (#14242878@0) +7
加拿大最有資格貸款25到49歳人口大約1千萬 -youarenotfunnyatall(草山); 2022-1-4 (#14242899@0)

不会吧，3千萬人口，刨去未成年，福利党，失业的，低收入，bad credit，还能有一千万？当然贷款1万刀也算的话。 -world1(上海回民); 2022-1-4 (#14242913@0)

加拿大人口約3千7百萬,25到49歳人口大約1千萬,25以下,如果30％人口貸款,那麼有工作能力的,最需要養家的,可能大部分都貸了 -youarenotfunnyatall(草山); 2022-1-4 (#14242922@0)

多伦多35岁以下年轻人，有两成已经买了至少2套房子 -xiaozuiba(xiaozuiba); 2022-1-4 (#14242955@0)

嘴巴弄錯了,1500名接受調查的”屋主”,” 大多伦多地区18 至 35 岁的房主中，有近两成（18%）拥有不止一处房产” -youarenotfunnyatall(草山); 2022-1-4 (#14242979@0)

小草有几套了? -xiaozuiba(xiaozuiba); 2022-1-4 (#14243011@0)

小草一滿20,我們就把之前在加拿大買的房子改成3個人共有,之後來安省買的房子也是這麼辦 -youarenotfunnyatall(草山); 2022-1-4 (#14243027@0) +2

看来35岁以下20%有2套房的数据里水分很大 -xiaozuiba(xiaozuiba); 2022-1-5 (#14243812@0)

听说一些印度人，都是和几个亲戚联名买投资房。一套接着一套的。 -idontknowa(idontknow); 2022-1-5 (#14243836@0)

他们一大堆人买一个房，结果都成了业主甚至都是多套😂😂 -czczcz(看得清); 2022-1-5 (#14244177@0)

数字也许是对的，但解释可以天马行空！几点质疑： -azzi(Zzzz); 2022-1-4 {333} (#14243105@0) +1
1. 前面说30% Canaidian，后面偷换成household. 加拿大一个household 平均有2.9个人好不好。30% 的加拿大人换算成household, 应该是87% 才对。
2. 不同银行给Equifax报数据方法可能不同，有些银行把HELOC和Mortage 分开，如果只看Mortgage, 会严重低估在房子上的债务，尤其是近年来，HELOC越来越受欢迎，占住房债务比例逐年上升。
３....

有道理，你是个认真的人。 -grainsw(两只小猪之神勇小白鼠); 2022-1-4 (#14243108@0) +1
HELOC有数据么？占多大比例了？ -shunshunshun(顺顺顺); 2022-1-5 (#14244178@0)

应该比按揭小一点。loc利率比按揭略高但也是相关的。都是房屋抵押贷款的两种形式。 -jennychow(风中焦虑); 2022-1-6 (#14246669@0)

影响大不大不知道，但是这个影响绝对不是仅仅三成加拿大人，因为这三层中有一大堆用按揭投资的人们，也许这三成人手中拿着六成的房屋，所以可能还是影响大多数人的 -jennychow(风中焦虑); 2022-1-6 (#14246670@0)

@San Francisco

升息吧，影响不大，只有不到30%的加拿大人有mortgages

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