ING副总Martin Beaudry 说,ING要按照"金融稳定协会" (Financial Stability Board, 为世界性跨国机构)的指示,开始严格化贷款申请规则。 他还指出,ING近来受到非常多的 Low Doc 低证明贷款申请,而这类房贷需要ING提供太多的资产来担保,造成公司太大负担。
大傻翻译: 又一个房贷公司退出了高风险借贷服务。银行们开始发现及试着面对加拿大房地产泡沫的危机。房贷继续慢慢缩紧。 而若财长Flaherty 在月底发表打房政策, 及
联邦金融管理单位发表 房贷管理条款,则会代表宽松房贷政策easy money时代的结束。
March 19, 2012
ING Shelves its “Low Doc” Mortgage
It’s the latest bank to pull back on conventional non-income qualified mortgages. This is a trend that became more pronounced earlier this year as word broke that regulators were becoming increasingly concerned with these products.
It was getting a “disproportionate amount of applications<” for this product.
Non-income qualifying mortgages are more capital-intensive and ING was unable to bulk insure all these files to keep funding costs down.”
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