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银行贷款的门越关越紧了：用HELOC的难了。Canada’s banking regulator to tighten mortgage-HELOC rules to curb rising homeowner debt

daofaziran(daofaziran)
The trendiest type of home equity line of credit is in the crosshairs of Canada’s banking regulator, which is looking to curb risky borrowing as rising interest rates put added pressure on heavily indebted homeowners
Full Story:
https://www.theglobeandmail.com/business/article-mortgage-heloc-loan-changes-interest-rates/
(#14580699@0)
Last Updated: 2022-5-22
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Replies, comments and Discussions:

  • 枫下家园 / 枫下觅巢 / 银行贷款的门越关越紧了：用HELOC的难了。Canada’s banking regulator to tighten mortgage-HELOC rules to curb rising homeowner debt -daofaziran(daofaziran); 2022-5-22 {760} (#14580699@0) +3
    The trendiest type of home equity line of credit is in the crosshairs of Canada’s banking regulator, which is looking to curb risky borrowing as rising interest rates put added pressure on heavily indebted homeowners
    Full Story:
    https://www.theglobeandmail.com/business/article-mortgage-heloc-loan-changes-interest-rates/
    • 这个高风险缺口，拖了这么久才想到堵上 -jtax(吾土吾民); 2022-5-22 (#14581450@0) +6
      • HELOC怎么可能增加风险？在贷款的第一天如果风险可控，之后的任何一天贷款总额度也不会更高，怎么会提高风险？本金还了，额度提高，只是保持借款时的借贷能力 -abcdefghi(9alphabetic); 2022-5-23 (#14581758@0)
        • 同意，还是原来的额度。 -6ba6(ReturnSon); 2022-5-23 (#14581827@0)
    • 搞不成，OSFI只是担心而已，但抵押贷款业内表示，OSFI反应过度，HELOC防止借贷违约的数字比造成违约多得多。真的降低了HELOC额度的话，采取Refinancing更好。 -czczcz(看得清); 2022-5-23 (#14581745@0) +1
    • 现在的情况还可以。主做BMO贷款，BMO贷款了解一下 -paynep(_); 2022-5-25 (#14585918@0)

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  • 请问home line credit,如果批了，但很多年一直没用，会有不好的影响吗
  • 固定贷款提前半年renwal，是在同一家银行renewal+refinance好，还是等半年换其他银行？一般情况下哪种利率好些？
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