安大略省新的按揭规则旨在遏制风险贷款,但可能无法方便年轻人购买住房。 Ontario's new mortgage rules aim to curb risky loans but may not ease home buying for young people.

在安大略省,为了保护借款人免受不断上升的抵押利率的影响而于2016年推出的压力测试的改变可能无法缓解住房所有权问题。 In Ontario, changes to the stress test, introduced in 2016 to protect borrowers from rising mortgage rates, may not ease home ownership. 新规则旨在限制放款人发放高风险抵押贷款,限制他们向抵押贷款超过其年收入总额450%的借款人仅发放季度贷款的15%。 The new rules aim to limit lenders from issuing high-risk mortgages, restricting them to lend only 15% of their quarterly loans to borrowers whose mortgages exceed 450% of their combined yearly income. 尽管发生了这些变化,但许多年轻买家仍面临进入住房市场的挑战,因为安大略省在今后十年里需要150万多所住房来满足需求。 Despite the changes, many young buyers still face challenges entering the housing market, as Ontario needs 1.5 million more homes over the next decade to meet demand. 房地产经纪人Lindsay Smith认为,这些改变对潜在的房主帮助甚微。 Real estate agent Lindsay Smith argues that these changes do little to help potential homeowners.