取消压力测试?总理这么说……

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对想要有自己住房的加拿大人来说,目前的房市政策将他们逼入了两难的境地:房价高的时候收入不够无法买房,房价低的时候因为压力测试却无法贷款!

2018年出台的压力测试,虽然把房价拉了下来,但一方面,更多买房人人因为它被挡在银行大门之外,另一方面众多靠房地产吃饭的从业人员倍感压力,所以业内要求取消或降低压力测试的呼声越来越高。

联邦政府部门对此事如何看呢?

央行行长波洛兹本周表示,收紧贷款政策挤出了房地产市场中的泡沫,防止了市场的失控,他相信该行业经过调整后将恢复增长。

本周四(5月9日),总理杜鲁多出席了加拿大住房建筑业协会举办的会议,他说,我们无意扰乱市场,同时我们正在倾听每个人的担忧,我们将继续关注压力测试,并确保它具有预期的效果……,温哥华和多伦多是调控的焦点,政府试图稳定这两地的房价,但希望不对全国其他地方产生负面影响。加拿大人的个人债务水平很高,政府需要对此做出回应,需要消除市场上的一些泡沫。

面对业界把摊销期延长到30年的要求,他说:“延长到30年确实可以降低你每月的付款额,但实际上你将支付的利息总额会增加,这就是为什么,当我们衡量所有不同的方案时,我们选择了政府的共享股权计划(3月份推出的10%购房补贴)。”

在目前的市场中,很多业内人士希望取消或降低压力测试,或者如果同时降低利率以止住市场不断下行的压力。但央行行长和总理的讲话表明,压力测试带来的正面效应还是远远大于负面效应的,消除了市场中的泡沫,稳定了价格,达到了政府的预期,延长摊销期的选项也被否定。

由此看来,市场取消压力测试的希望近期不会实现,至于利率能否再次下降,那得看今后的经济表现了。

(Kevin Li)

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