Если вы приобретаете дом или квартиру в Ванкувере в первый раз и стоимостью не выше $750,000, то правительство Британской Колумбии предоставит вам помощь в виде скидки на первоначальный взнос. Покупатель должен соответствовать определённым критериям таким как статус в Канаде, годовой доход, это должна быть не инвестиционная покупка (для собственного проживания) и другим установленным требованиям. Подробности.
Premier Christy Clark unveiled a new loan program today to help first-time home buyers come up with their down payment.
The BC Home Owner Mortgage and Equity (HOME) Partnership program will offer qualifying home buyers loans of up to $37,500, interest and payment free, for five years.
The province will begin accepting applications on January 16, 2017.
To qualify, buyers must:
• be buying their first home;
• obtain a high-ratio, insured first mortgage for at least 80 per cent of the purchase price;
• have a combined gross household income not exceeding $150,000;
• have saved a down payment amount at least equal to the loan amount;
• be a Canadian citizen or permanent resident for at least five years; and
• have lived in BC for at least the full year preceding their application.
The loans will be due in full if the buyer defaults on a payment, ceases to use the home as a principle residence or resells the home.
• The loans will match a home buyer’s contribution to a down payment up to five per cent of the home’s purchase price.
• The maximum purchase price to qualify for a loan is $750,000 (excluding taxes and fees).
• After five years, buyers can either repay their loan or enter into monthly payments at current interest rates.
• Loans through the program are due after 25 years.
“This program will boost sales to first-time home buyers. Without question, they’ll take advantage of it wherever they can,” said Helmut Pastrick, Central 1 Credit Union chief economist
The province provided an example of a home purchase price of $475,000. The minimum down payment required for an insured first mortgage is $23,750. The new buyer would be able to receive up to a $11,875 interest free loan for five years under the new program.
The loan support will run for three years and the province estimates about 42,000 new homebuyers will take advantage of the program.
Government officials told media Thursday they hoped the program would have a very small default rate on the loans, because the owners would be meeting federal mortgage rules and qualifications under federal stress tests.
The premier said she was not concerned the program would raise housing prices.
“Our analysis tells us that it won’t because everybody who is going to be eligible for this program will have to have been accepted for a mortgage already,” said Clark.
Reaction to the new loan program was mixed.
It was largely praised by developers, builders, mortgage brokers and the real estate industry.
“The fact is it does help first time home buyers and relieves the pressure on the bank of mom and dad,” said Neil Moody, CEO of the Canadian Home Builders Association of BC.
“It keeps the housing continuum moving along. We need these first time homebuyers. Anything that can be done to help them get into the market at that stage is a positive thing.”
Others slammed the program for adding to people’s debt.