加国新房售价攀新高“房贫”阶层出现

这帮"专家"老是用税前收入,好象买房子和税有什么关系似的,真是误导人啊.应该看税后的收入!.

Confusing...

ROB CARRICK Simple economics tells us there may soon be a new social class emerging in Canada that we'll call the house-poor. These are the people who are buying into a housing market where average prices are soaring, even while their income is hardly rising enough to offset inflation. The most recent numbers from Industry Canada indicate that wage increases are coming in between 2.2 and 2.5 per cent this year. Meanwhile, the average house price in Canada is up about 13 per cent nationally this year after gains of about 9 per cent in both 2005 and 2004. Hidden in these average numbers are hot spots like Vancouver, where prices are up about 21 per cent this year; Calgary, where prices have soared about 37 per cent; and, Halifax, where prices shot up about 48 per cent. "To me, it's unbelievable," said Stanley Kershman, an Ottawa bankruptcy lawyer and author of Put Your Debt on a Diet: A Step-By-Step Guide to Financial Fitness. "I don't know how people can afford the house, how they can afford to furnish the house or how they can afford to fill the house with electronics." Mr. Kershman suspects that a lot of people are using debt - be it credit cards or lines of credit - to pay for the extras. Down the line, he believes that the combined debt load of mortgages and other borrowings will drive an increasing number of people into bankruptcy. But never mind that, because most people won't come anywhere near declaring bankruptcy. They'll just suffer in silence as the country's house-poor. As much as housing prices have soared, it's still not a huge stretch to get into the housing market today, thanks to interest rates that remain low on a historical basis even after a recent runup. That's why the affordability of housing, while deteriorating, has not yet fallen to alarming levels. But being able to merely afford the cost of owning a house is not the same thing as being able to afford it, comfortably. Lenders have two ways of assessing the ability of home buyers to afford a mortgage. One is the gross debt-service ratio -- the rule here is that mortgage payments, property taxes and heating costs should account for no more than 33 per cent of your gross pay. The other is the total debt-service ratio, and the thinking here is that your housing costs plus other debts should eat up no more than 40 per cent of your pretax income. Now, let's say you just bought the average Toronto house, valued at $366,000, and you have a mortgage of $275,000. Your monthly payments, based on the 5.25-per-cent rates you can get on variable-rate mortgages today, would be just about $1,640. Add $300 a month in estimated property taxes plus another $150 in heating costs and you've got monthly costs of $2,090. You'd need a salary of at least $76,000 to carry costs like this and be onside with the gross debt-service ratio, but what if you have other debts? Let's add a car loan costing $400 a month and a line of credit that costs you another $200 a month. Using the total debt-service ratio guidelines, you'd need to make almost $81,000 a year. Requiring a household income of $81,000 to afford all this glorious debt may not seem egregious. But the 33- and 40-per-cent guidelines are maximums, and if you bump up against them you may find it a struggle to manage your family cash flow. "It doesn't leave you a whole bunch of money to throw around at Starbucks, or wherever you go," said mortgage consultant Paul Mims. "If you want choices, you have to be comfortably below those limits." Doug Porter, deputy chief economist at BMO Nesbitt Burns Inc., wrote a recent report on the housing market in which he warned that housing prices in Canada are rising fast enough to raise concerns about a nasty downturn at some point. The big risk is that more price increases will make it even less affordable to buy a home than it is now. House affordability is generally measured using interest rates and housing prices, but that's too limited a view. "There are a lot of other items that are facing upward pressure as well," Mr. Porter said. "Gasoline, in particular, but anything related to energy has upward pressure, and property taxes have been forging higher across most of the country." Mortgage lenders have come up with a few measures to help affordability. These include mortgages that allow you to pay as little as 5 per cent or even zero down, and amortization periods that can be extended to 30 or 35 years from the usual 25. Neither is a good solution, but they may help people afford a home and thereby join the ranks of the house-poor.

最初由 koooool 发布： 您放心吧.加拿大的土地是几代人都用不完的. 土地向市场的供给是由政府控制，大财团掌握的。目前加拿大的土地由私人和大公司所有。他们也就是我们常说的资本家和地租的占有者。而这几年我观察到的现象是，虽然市场决定价格，需求和供给却怎么都是朝者对资本家 有利的方向倾斜。而不是朝普通大众倾斜。比如，土地的供给总是小于需求，房屋的数量总是稍微少点。而劳动力的价格为什么低呢？因为市场上劳动力的供给总是大于需求。其实，资本家设计的这个体制自动配置着资源。

最初由 中央社 发布： 房市下跌的迹象已经十分明显 房市下跌的迹象已经十分明显. 就象股市,谁这个时候买谁就再接最后一棒. 十足的大傻蛋才这个时候买房!!!!!!!!!!!!!!!!! 房地产市场不一样。如果你查看100年来的房价走势，对比同期的利率和股市、石油和汇率价格。就能看出房地产的不一样了。 现在最大的问题是，存钱的速度，赶不上房价涨的速度。这样使穷人的房屋梦破碎。

最初由 Stop Fighting 发布： Alberta的经济,房地产和石油价格关系密切,一但油价大跌,房价也会随着大幅度下滑.谁也想不到几年前20元都不到的一桶油现在都超过70元一桶.这就跟股市一样,都是周期性的,房价不可能永远上涨的.现在多存点钱,等等在看. 石油是有限资源，越用越少，越开发成本越高（以前一直开发好采的，现在只好开发难的了，例如Alberta的油砂）。 而且全世界用油量越来越多（想想咱们祖国对石油的需求就知道了），石油将会越来越紧张和昂贵。看看街上越来越多的smart car吧，你买车也想挑省油的买吧？！房地产本身和石油就关系很密切，因为很多建材都是石油的衍生产品，例如siding, shingle... 在石油资源有限和需求越来越大的情况下，西部的房价还会继续贵下去。