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加拿大是一个高福利国家,房地产不是支柱产业,但近年来房价却一涨再涨。为了调控国内过热的房地产市场,加拿大联邦政府决定从2012年7月9日起实施新的房贷政策。新政策规定:房贷最长期限由原来的30年下降到25年;房屋贷款的最高额度由房价的85%减少到80%;房贷保险只限房价在100万元以下的房产;每月房贷供款最多占家庭收入的39%;紧缩自雇人士最高房贷额度为65%;对价
Canada is a high-welfare state. Real estate is not a pillar industry. However, housing prices have been rising and rising again in recent years. In order to control the domestic overheated real estate market, the Canadian federal government decided from July 9, 2012 on the implementation of the new mortgage policy. The new policy stipulates: the maximum term of mortgage loans will drop from 30 years to 25 years; the ceiling of housing loans will be reduced from 85% of the price of housing to 80%; and mortgage insurance will be limited to those with house prices below 1 million yuan; Accounting for up to 39% of family income; tightening self-employed person maximum mortgage line is 65%; price