乜原來加拿大咁難借mortgage 買樓

The first affordability guideline, as set out by the Canada Mortgage and Housing Corporation (CMHC), is that your monthly housing costs – mortgage principal and interest, taxes, and heating expenses (P.I.T.H.) - should not exceed 32% of your gross household monthly income. For condominiums, P.I.T.H. also includes half of your monthly condominium fees. The sum of these housing costs as a percentage of your gross monthly income is your GDS ratio.
The CMHC’s second affordability guideline is that your total monthly debt load, including housing costs, should not be more than 40% of your gross monthly income. In addition to housing costs, your total monthly debt load would include credit card interest, car payments, and other loan expenses. The sum of your total monthly debt load as a percentage of your gross household income is your TDS ratio

根據呢個guideline,
稅前年收入100k cad
monthly property tax + heating+ condo fee 700 cad
monthly credit card 1228 cad (numbeo數字一人月支出 當全部都係credit card比)
都只可以最盡借到316k cad
計8成按，都係買到400k cad既樓only
如果想買貴d既樓，down payment就要增加好好好多

同一數字，港紙年收入60萬(~100k cad)
計埋壓測最盡可借到520萬(850k cad)，樓價約620萬(1.01M cad)

我有無計錯 點解爭咁遠架

我見溫哥華本地人好似可以比5%首期喎

所以我就係好想知自己有無計錯
我用緊網上果d mortgage affordability calculator

印象中限50萬既樓only

上網咁多cal工具
自己手計jm9

https://www.canada.ca/en/financial-consumer-agency/services/mortgages/down-payment.html

over 1M 要比2成

0~50萬 比5%=2萬5
50~100萬 比10%=5萬
100萬abovw 比20%

home buyer plan
可以退稅
仲有First-Time Home Buyer Incentive

down payment姐
講緊入息夠唔夠佢批足mortgage bo
定我誤會左d野

仲有雜費啦

嘩 好靚
香港買呢d 間隔都要2 3000萬

仲要用央行息口做壓測，無記錯好似係5點幾厘

400k加紙，頂盡港紙3M有找

駛鬼按揭，full paid都得

英國只有年薪4-5倍
邊個難D？

咁有得拖緊係拖長黎還

好似九龍塘喇沙利道嗰一帶低密度住宅嘅間隔

咁大打掃一定好麻煩 香港劏房好啲

做餐廳平均 搵4萬一個月
當你比 8萬 down
問銀行最多借153,550

搵5萬最多借227,507

一千呎未到 咁都叫大誇咗啲
去到都唔住house？

咁大間屋人氣唔夠旺 風水同財運唔好點發達
都係留係香港住公屋納米樓先有前途

可以比唔代表你借到香港夠可以比9成首期, 有幾多人借到

打錯借9成, 比10%

加拿大有幾多人有100k pa

呢啲rules有咗幾十年㗎喇。

condo fee 計一半，定話你間豪宅 1400 個月？