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Find informative stats, trends and insider tips on your state, county, city or neighborhood of choice. The insightful experts of ActiveRain share with you in a way only a local resident can.
Mortgage amortization periods will be reduced from 35 years to 30 years.The maximum amount Canadians can borrow to refinance their mortgages will be lowered from 90 per cent to 85 per cent of the value of their homes. The government will withdraw its insurance backing on lines of credit secured on homes, such as home equity lines of credit.
"Taxpayers should not bear any risk related to consumer debt products unrelated to house purchases. Those risks should be managed by the financial institutions that originate and offer these practices," Flaherty said Monday.
The new restrictions are intended to ensure that Canadian don't slip into unmanageable debt, which could throw the economic recovery off the rails, he said.
"Today's measures are about our government continuing to protect the stability of the economy by ensuring lenders' practices are sustainable, which will in turn ensure Canadian families have increasingly secure and sustainable home ownership."
"This will also help increase the savings of Canadian families, savings of tens of thousands of dollars over the life of a mortgage."
BNN's Michael Kane said Flaherty is clearly concerned that Canada's low lending rates have inspired people to borrow more than they would normally.
"What he is saying, and he reiterated this two or three times, is we see Canadians borrowing to the max at record low interest rates, and what he is afraid of is that when interest rates to start to rise...then you can get into a dangerous situation where you can't pay down your mortgage," Kane told CTV's Canada AM.
The Bank of Canada announced earlier this month that Canadians' domestic debt burdens had hit the highest levels on record. The bank said the ratio of household debt to disposable income has reached 147 per cent.
Canadian household debt is now at $1.4 trillion, while mortgage delay payments have increased by 50 per cent.
The International Monetary Fund recently warned that household debt is the number one risk to the Canadian economy.
Posted by Allen Mayer. Broker www.allenmayer.com
Information on Toronto Real Estate.
Current News about available listings and Toronto Market Conditions.
Current news affecting the Toronto Real Estate Market.
Helpful Hints in staging and preparing one's home.
Helpful comments for potential buyers. Current Mortgage Rates.
The Importance of having a Home Inspection.