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Canada regulator to cap mortgages for highly indebted borrowers, newspaper says

OTTAWA (Reuters) -Canada's banking regulator is limiting the number of highly leveraged loans in banks' residential mortgage portfolios, which have ballooned alongside house prices to make Canadian borrowers among the most indebted in the world, the Globe and Mail reported on Friday. The Office of the Superintendent of Financial Institutions (OFSI) has told lenders they will have to limit loans
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  • 枫下家园 / 枫下觅巢 / Canada regulator to cap mortgages for highly indebted borrowers, newspaper says +1
    OTTAWA (Reuters) -Canada's banking regulator is limiting the number of highly leveraged loans in banks' residential mortgage portfolios, which have ballooned alongside house prices to make Canadian borrowers among the most indebted in the world, the Globe and Mail reported on Friday. The Office of the Superintendent of Financial Institutions (OFSI) has told lenders they will have to limit loans
    • OTTAWA(路透社) - 加拿大银行监管机构正在限制银行住宅抵押贷款组合中的高杠杆贷款数量,

      这些贷款随着房价而膨胀,使加拿大借款人成为世界上负债最多的借款人之一。

      据该报援引两位知情人士的话报道,金融机构监管局(OFSI)告诉贷方,他们将不得不限制向抵押贷款超过其年收入4.5倍的借款人的贷款。

      报告称,新的收入限额预计将于明年第一季度生效,并补充说,它不适用于借款人必须支付抵押贷款保险的保险贷款,因为他们的首付不到房产购买价格的20%。
      银行监管机构已经出台了新的资格规则,包括比借款人商定的抵押贷款利率高出2%的最低合格利率,以确保消费者能够承受未来的利率变化。

      加拿大的大银行也拨出更多资金来支付贷款,这些贷款可能会变坏,因为央行开始加息,监管机构要求银行表现出强大的资本状况。

      “加拿大的银行在与客户合作以保持抵押贷款良好信誉方面有着悠久的历史,”顶级游说团体加拿大银行家协会表示。

      “了解他们的客户并适应他们不断变化的环境是重中之重。该行业仍在评估OSFI政策的影响。

      OSFI没有立即回应置评请求。

      (Ismail Shakil在渥太华和Nivedita Balu在多伦多的报道,由David Ljunggren和Nia Williams编辑)

      • 是不是会对renew 贷款重新批准呢
    • Fed's Bostic scales back to single rate cut on the year, versus two previously +1

      ATLANTA(路透社) - 亚特兰大联邦储备银行行长拉斐尔·博斯蒂克(Raphael Bostic)周五表示,他现在预计今年只会降息四分之一个百分点,而此前他预计会降息两次,这是由持续通胀和强于预期的经济数据推动的前景变化。

      博斯蒂克在对记者的评论中表示,“我肯定没有去年12月那么有信心”,通胀将继续向美联储2%的目标下降。他补充说,这导致他缩减了降息的前景,并将可能的开始日期推迟到今年晚些时候。

      (Howard Schneider的报道;编辑:Richard Chang)