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BC政府说买不起房?我帮忙,最高3.75万 免息贷款,帮助你付Downpayment。别太高兴了。

大温地区房价似乎真的成为很多年轻人买房子的问题,看来BC政府也操碎了心。
不过呢明显这个政策明显是为类拉选票,看看里面的要求就知道了。

1,无息贷款,最高房价5%,上限为$37,500
2. 五年内无需支付本金和利息,可以随时提前还清
3. 至少成为PR5年,而且生活在BC至少一年
4. 年收入不得高于15万

看到至少要成为永久居民5年这条就明白,这条路堵死了很多人,而且也明显是为了拉选票。讨好本地买不起房的人,而对于新移民似乎一点也不友好。
所以我们就当笑话看看就好了。当然如果你满足了条件,我还是建议你去申请吧。

B.C. offers interest-free loans up to $37,500 to first-time homebuyers

The B.C. government is offering to help first-time homebuyers cover the cost of a mortgage down payment with an interest-free loan.

The B.C. Home Owner Mortgage and Equity Partnership program will provide a maximum of $37,500 — or up to 5 per cent of the purchase price — with a 25-year loan that is interest-free and payment-free for the first five years.

“The dream of home ownership must remain in the grasp of the middle class here in British Columbia,” said Premier Christy Clark.

The intention of the program is to assist people who can afford the mortgage payments on a new home but are challenged to make the down payment.

The province will start accepting applications for the program on Jan. 16, 2017.

Homebuyers will pay no monthly interest or principal payments over the first five years as long as the home remains their principal residence.

After the first five years, homebuyers begin making monthly payments at current interest rates.

Homebuyers will repay the loan over the remaining 20 years, but may make extra payments or repay it in full at any time without penalty.

The maximum purchase price of a home that qualifies for the loan is $750,000.

There are substantial eligibility requirements. Applicants must be permanent Canadian residents for the past five years and B.C. residents for the past year.

The income or combined income of applicants must be $150,000 or less. Homebuyers needs to be pre-qualified for a high-ratio insured mortgage and can buy anywhere in B.C.

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.

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