新斯科舍省在新的试点方案中将首次购房者的首期付款削减到2%。 Nova Scotia cuts first-time homebuyers' down payment to 2% in new pilot program.

新斯科舍省于2026年2月3日启动了一项试点方案,将首次购房者的最低定金从5%降至2%,成为加拿大第一个这样做的省份。 Nova Scotia launched a pilot program on February 3, 2026, reducing the minimum down payment for first-time homebuyers to 2% from 5%, making it the first Canadian province to do so. 该方案向哈利法克斯高达570 000加元和其他地方高达500 000加元的家庭提供住房,由通过信用社提供的省级抵押担保予以支持,从而消除了抵押保险的需要。 The program, available for homes up to $570,000 in Halifax and $500,000 elsewhere, is backed by provincial mortgage guarantees through credit unions, eliminating the need for mortgage insurance. 符合资格的买家必须是居民,收入20万美元或低于20万美元,必须通过加拿大抵押和住房公司压力测试,信用得分至少为630。 Eligible buyers must be residents, earn $200,000 or less, pass the CMHC stress test, and have a credit score of at least 630. 先前四年内没有拥有房屋的房主也有资格拥有房屋。 Previous homeowners who haven’t owned a home in four years may also qualify. 该倡议旨在提高住房的可负担性和可获取性,对参与者不设上限。 The initiative aims to boost home affordability and accessibility, with no cap on participants.