工薪族要不要投资房地产

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Appendix: Data and Trends on the Real Estate Market

Ontario's housing market has seen very dynamic growth in recent years, with prices in the Greater Toronto Area and the Greater Golden Horseshoe rising significantly. This has been supported by economic fundamentals, including a growing population, rising employment, higher incomes and very low borrowing costs.

House prices have been rising at a robust pace in the Greater Toronto Area since the end of the 2008-09 recession.

After two consecutive years of double-digit gains, average house prices in the Toronto region reached $916,567 in March 2017, up 33.2 per cent from a year earlier.

See image "Toronto Home Resale Prices"

The Greater Toronto Area showed the sharpest rise in home prices in Ontario over the past two years.

While the growth rate of prices of homes in the Greater Vancouver Area have been slowing since August 2016 after the introduction of B.C.'s foreign-buyers tax, home prices have been climbing steadily in the Greater Toronto Area.

See image "MLS Home Price Index", "Greater Toronto Area Price Increases Outstrip Other Cities" and "Housing supply in Ontario seems to be aligning with demographics".

According to Urbanation, the average rent per square foot for new leases in the Greater Toronto Area condo market rose 11 per cent in the last quarter of 2016 compared to a year earlier, the fastest pace of growth since at least 2011.

See image "% change, year-over-year, GTA".



The number of owners with more than one residential property has been rising steadily since 2000.


See image "Number of Owners With More Than One Residential Property in the GTHA: 2000-16".

眼神不好啊。
 
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拥有多套住房有什么问题吗?有能力的人买来租给没能力买的不对吗?连2%的人都不到,说明有投资意识的人太少了,不是太多了。

韩国首尔大城市圈,拥有多套房的人数比例6%。首尔的3居室公寓租金10年前就到了3150美元一个月。

大多伦多房价和租金远远落后,反映不出国际大都市的水平。要多多投资,租金才能稳定下来。
 
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喜欢看楼主的专业文章。请教个多套房产refinance的具体问题。 以你文中例子6套房产,每个50万贷款,全部贷款加起来大约300万,假设年薪15万。其中一套房子5年renew 贷款时想申请refinance 贷出更多钱。 请问银行审批单个房子refinance 时要按目前压力测试的标准考虑6套房子的贷款总额吗? 如果考虑,15万年薪无法支持贷更多啊?还是refinance 时银行有另一种评估标准?一直困惑这个问题, 麻烦详细讲下。
 

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