CMHC出台新政 地产经纪说刺激房价大涨？
汉加:9月28日起,可以将第2套间租金收入全部计算为个人收入申请按揭.
加拿大按揭及房屋公司（CMHC）宣布，由今年9月28日起置业者可以将“第二套间”（Secondary Suite）租金收入全部计算作个人收入申请按揭，分析指此举对申请按揭者，尤其是首次置业者，绝对是好消息。CMHC新政会使置业者的适用收入增加﹐从而获得更多的房贷额度。
根据目前规定，业主为自住物业申请房贷只可以把合法分租套间的50%租金列为个人收入申请按揭﹐但从9月28日开始﹐这限额将会取消。换言之﹐在2个月之后﹐全部租金包括全年的本金﹑利息﹑市政府税款以及物业的取暖开支都可以用来计算房贷申请人的负债能力。
CMHC最新政策对“合法分租套间”房的部分规定：必须是业主自住物业；该物业只可有2个单位﹐亦即是复式或设有合法套间的单户房屋；分租套间须设备齐全及分门出入；贷款比率计算须包括物业税及取暖费用；现行的套间必须至少有2年的租金收入资料；最高申报额为2年的平均租金；新单位可用市场估价﹐但估计租金收入须反映出适当空置率因素；房贷申请人至少要有680的信用评分。
CMHC在宣布这项新措施时表示﹐由于分租套房一般是廉租住所﹐租金也通常较出租公寓大厦的单位便宜。此次放宽规定的主要目在于为租赁市场提供更多较为容易负担的住房选择﹐同时因为适用的收入增加﹐业主及买家能够获得的房贷额也会增加。
部分地产经纪认为，此新政会刺激加拿大房价猛涨！！
Summary
Secondary suites, a common feature of larger, older homes in several Canadian municipalities, have been in existence for many years but became illegal in some jurisdictions when zoning bylaws set stringent requirements for the type of housing that could be accommodated in low-density areas. Since the 1980s, secondary suites have been recognized by policy makers as one of the most cost-effective ways of providing affordable rental housing and are an important part of the Canadian housing stock, especially in urban areas. Secondary suites make up close to a fifth of the rental stock in Vancouver and Edmonton. They are also an important source of rental housing in smaller towns and in rural areas where there is little conventional rental housing.
Many municipalities across Canada have recently reviewed, or are in the process of reviewing, their bylaws and standards governing secondary suites in order to assess whether they can be relaxed, which has led to an increased number of municipalities permitting secondary suites in recent years. Some municipalities permit secondary suites “as of right” in all single-detached dwellings, while others permit them only in designated zones. In other cases, municipalities permit secondary suites through site-specific rezoning. Secondary suites are governed by provincial or territorial building codes that deal with health, safety and fire protection. Often, a flexible approach using equivalencies in building codes or an incentive/grant program is necessary to encourage owners to make their suites legal.
汉加风平台聚焦于加国政治、财经资讯、社区动态、草根创业。致力揭示事件背后的深度、温度；传递正义、担当；体现社会责任。旗下品牌栏目：《加拿大骗子曝光台》揭露各类大小骗子、骗术；《汉加风系列》为时事评论；《闲闲聊时事》为一周新闻综述；《加国职场》关注留学生就业；《汉加财经》为北美和中国每日财经简讯及《温哥华创业故事》系列、《加国养老》专题。
读者服务热线：604-930-7888