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Logement et sans-abrisme

Hypothèques plateformes

Voici ce que les partis de Élection canadienne de 2021 promettent.

Libéral
Un gouvernement libéral réduirait de 25 % le montant imposé par la SCHL sur l’assurance prêt hypothécaire, et augmenterait le seuil limite du montant hypothécaire assuré par la SCHL à 1,25 million de dollars, et l’indexerait en fonction de l’augmentation du prix des maisons.

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Allow you to choose between the current shared-equity approach or a loan that is repayable only at the time of sale.

— Forward. For Everyone., retrieved 2021-09-02

Reduce the price charged by the Canadian Mortgage and Housing Corporation on mortgage insurance by 25%. For a typical homebuyer, this will save $6,100.

Increase the insured mortgage cut-off from $1 million to $1.25 million, and index this to inflation, to better reflect today's home prices.

— Forward. For Everyone., retrieved 2021-09-02

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Conservateur
Pour faciliter l’achat d’une maison, un gouvernement conservateur retravaillerait les tests de résistance hypothécaire afin que davantage de Canadiens puissent obtenir de meilleurs taux. Un gouvernement conservateur favoriserait également les hypothèques de sept à dix ans, augmenterait la limite d’admissibilité à l’assurance hypothécaire et l’indexerait de manière à ce qu’il augmente avec la hausse du prix des maisons.

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Encourage a new market in seven- to ten-year mortgages to provide stability both for first-time home buyers and lenders, opening another secure path to homeownership for Canadians, and reducing the need for mortgage stress tests.

Remove the requirement to conduct a stress test when a homeowner renews a mortgage with another lender instead of only when staying with their current lender, as is the case today. This will increase competition and help homeowners access more affordable options.

Increase the limit on eligibility for mortgage insurance and index it to home price inflation, allowing those in high-priced real estate markets with less than a 20% down-payment an opportunity at home-ownership.

Fix the mortgage stress test to stop discriminating against small business owners, contractors and other non-permanent employees including casual workers.

— Canada's Recovery Plan, retrieved 2021-08-18

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Nous n’avons par de BQ politiques sur Hypothèques.

NPD
  • Re-introduce 30-year terms on CMHC insured mortgages on entry-level homes for first time home buyers.
  • Double the Home Buyer's Tax Credit to $1,500.
  • Provide resources to help co-housing, including CMHC-backed co-ownership mortgages.

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While making affordable rental housing more available is critical, New Democrats believe that the dream of homeownership shouldn’t be forever out of reach for Canadian families. That’s why we will re-introduce 30-year terms to CMHC insured mortgages on entry-level homes for first time home buyers. This will allow for smaller monthly payments, freeing up funds to help make ends meet for young families. We’ll also give people a hand with closing costs by doubling the Home Buyer’s Tax Credit to $1,500.

For Canadians who are open to innovative paths to home ownership, a New Democrat government will provide resources to facilitate co-housing, such as model co-ownership agreements and connections to local resources, and ease access to financing by offering CMHC-backed co-ownership mortgages.

— Ready for Better, retrieved 2021-08-27

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Nous n’avons par de Vert politiques sur Hypothèques.

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