在加拿大
最近连主流媒体和房地产杂志都开始看跌了。。。2月1日讯 - Canadian Real Estate WealthPROPERTY INVESTOR, DEFINITELY KEEP YOUR DAY JOBSWednesday, 01 February 2012
Business-for-self lending may, indeed, be headed the way of the dodo bird, with Firstline officially axing that segment of its business effective today, Feb. 1.“Hello everyone, FirstLine will no longer accept new applications for stated income programs effective end of today also max loan amount is $1 million,” reads an email penned by one of the lender’s business development managers and sent to mortgage brokers Tuesday afternoon. “if you have any deals you need to send please do so by the end of today, FYI Brand-to-Brand is NOT affected.”Many other FirstLine programs are: New Immigrant programs, non-Immigrant programs, equity programs (flex), Access low-doc programs, CMHC self-employed simplified program, Genworth Alt-A program, Canada Guaranty low-doc programs, Canada Guaranty Lifestyle Advantage and self-employed program.“It’s a sign that the government is auditing the banks and asking them to come up with something to reduce the risk on this line of business,” he said. “It appears that FirstLine has said that it is out. It may be slow and gradual, but I think we’re seeing a return to the 1980s when there was a greater distinction between A and B lending.”That’s likely to accrue to the few lenders still prepared to lend stated-income, albeit with a significant premium attached.Michael Marini was one of the first mortgage professionals to sound the alarm about the disappearing BFS high-ratio lending.“The change means that many of us will be challenged to get a mortgage as well,” said the mortgage agent with Dominion Lending Centres Funds in Toronto last December. http://www.canadianrealestatemagazine.ca/news/item/1019-property-investor-definitely-keep-your-day-jobs
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