Friday, 27 April 2012

财长考虑废除CMHC 房贷保险

时间不明,但若执行,则银行及贷款机构将失去政府(及纳税人) 100%的担保, 而把风险转移到银行/贷款机构上。 房贷要更难拿了,而加拿大10年来兴旺的房地产业,将面临更重大的打击。

CMHC could be pulled out of mortgage insurance business, Flaherty says
Apr 27, 2012 – 6:33 PM ET

Finance Minister Jim Flaherty would consider taking Canada Mortgage Housing Corp.out of the mortgage default insurance business he told the National Post’s editorial board.
“Over time, I don’t think it’s essential that a government financial institution provide mortgage insurance in Canada. I think what’s key is that mortgage insurance is available at a reasonable cost in Canada. I think there is a role to regulate but whether we, the Canadian people, have to be the owners and shareholders of a financial institution to do this is a question. I don’t think it’s essential in the long run.”
He offered no timetable on when the government could get out of mortgage default insurance business, just offering it up as a possibility. “We have a list of Crowns, Crown agencies that are being reviewed,” said Mr. Flaherty.

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