樓市下跌，經濟放慢，消費收縮。仲要主要唔係實際數字，係 perception and expectation, which is all negative. This is compounded by the mortgage renewal issue. Once again Thanks Terrance for your data and analysis.
@@johnnyy1186 可能佢記實左對上果個tone.....either June or July cut once....struggle to cut early in June instead of waiting to July ... but fact change since 2 weeks ago la...
sorry, i don't understand. does that mean that no one can afford mortgages ? will people sell? then how will new buyers afford new mortgages ? i don't get it.
@@beyondKOL No worries. It’s just a prediction and a bit of timing difference in rate cut is not important. The overall trend is more important and you have offered good data analysis for us to make our own call. Keep up with the good work.👍
@@stephenn88 Are you having problem to read? I said Canada cant lower interest rate until US lowers its rate. Are you so desperate with your mortgage? Seems US is taking its time. Enjoy!
@@jasminelai9459 a lot of data out there to support. However I don’t always believe in data. It is more from common sense, you cannot even get a mortgage over $2MM. Those houses are full paid
喜歡你的片，因為通常十多分鐘就可以把重點和重要內容說出來！
加拿大樓市是泡沫，將會爆破，因為再冇大量大陸資金嚟買樓，像以前炒同托高個樓市，而加拿大本地人嘅收入不少也負擔不起仍然這樣高的癲價！
😂😂😂😂😂😂 呢個世界只有大陸人富有😂😂😂😂
大約五年前大陸人走資已經困難，所以唔係new information
😃😃😃😃有大把印度人😄😄😄😄
@@joelam705 仲有 black money
@@TheJlee28 睇吓兒家香港同大陸樓市😂非常富有
加拿大的樓市的確是在明顯的下行通道之中, 但是兩年之後的利率會比今天的利率要低一截, 個人房屋的斷供問題不會像媒體報導的那樣嚴重. 值得注意的是發展商: 大部分的發展商在過去兩年的經營已經相對的困難, 央行現在開始緩步降息, 對於一部份的發展商而言, 可能是遠水救不了近火
因爲個政府貪，否則新開的 affordable housing funds 已可救回市場，現在空晒😢😢😢😢
Unemployment rate keeps rising and reaches 6.4% in June. I doubt keeping the same interest rate would be wise.
樓市下跌，經濟放慢，消費收縮。仲要主要唔係實際數字，係 perception and expectation, which is all negative. This is compounded by the mortgage renewal issue.
Once again Thanks Terrance for your data and analysis.
@@skfanfanfan 冇錢生活係特別灰嘅。
When you obtain a mortgage, you should expect that low interest rates are only temporary.
@@mrslcom only small number of people obtained mortgages at that period of time. Fear mockering is funny.
@@TheJlee28 Until recently, we have had a low interest rate environment for over a decade. BTW, I think you meant “fear mongering”.
@@mrslcom REALLY? Your big 5 banks let anyone over borrow 😂
加國有壓力測試,不用太担心,任何時地,加息當然有人頂唔順,只是看多少!
又減啦😅
@@TheJlee28 你開心就得
Thank you Terrence for making informative videos all the time
Market expectation now is 7x% for the coming rate cut wor….
主持。。。。
@@johnnyy1186 可能佢記實左對上果個tone.....either June or July cut once....struggle to cut early in June instead of waiting to July ... but fact change since 2 weeks ago la...
@@johnnyy1186 減左啦…. 佢出片果下市場好似90%預減… 唔太明點解話market consent 係唔減….
都話咗佢啲預測成日都係錯，同市場脫節…..
@@Tomysit416 咁呢次同預測無關….係factual stuff
佢睇唔減唔奇….係佢話市場大部分人都睇唔減果下…..
平時睇佢都係資訊性…好少錯…當新聞聽
但今次估唔到會咁
加油！
sorry, i don't understand.
does that mean that no one can afford mortgages ? will people sell? then how will new buyers afford new mortgages ? i don't get it.
@@mschan3572 his video is very misleading. do you have a mortgage? If you have, you will know. If you don’t have you don’t need to worry about it.
Hi Terence, but most media said odds of rate cut on 24-July is 70-80%. Why do u say the market forecasts no rate cut?
he has no idea what he is talking about. just reading the news paper
There is a high likelihood that I could be wrong this time...
@@beyondKOL No worries. It’s just a prediction and a bit of timing difference in rate cut is not important. The overall trend is more important and you have offered good data analysis for us to make our own call. Keep up with the good work.👍
@@beyondKOLit is Okye. It is not your first time being so wrong
2019年，5年已經到期啦，轉貸問題一早發生咗，就算今年再减一次幫唔到几多嘅。
why can't one get a fixed 30-year mortgage rate, like in the US, and not have to worry about re-financing risk?
You can get 10 years fixed 😂😂😂
Canada doesn’t have a say about interest rate. The United States does.
Canada has lower rate. What 7 are you saying
@@stephenn88 lower. Then what? If US dont lower, you cant lower it anymore. Have some common senses lol.
@@Owen-qe3ry Canada is 75 bps lower than US. Are you on99?
@@Owen-qe3ry U.S. is following Canada. Canada rise rate first and cut rate las in June before U.S. stop on on79
@@stephenn88 Are you having problem to read? I said Canada cant lower interest rate until US lowers its rate. Are you so desperate with your mortgage? Seems US is taking its time. Enjoy!
咁2024年Q3有什麼按揭方案的建議：定息或浮息？🙏🏻
Fixed variable
好簡單，大部份人都負擔得起，房價咪升囉！相反，咪跌囉！
One more base point 0.25% won't do anything. We are already in a recession.
難得的人才，可惜。
如果可以回港甚至回祖國貢獻就好了😊
祖國咪加拿大囉…否則，關你乜事？
曲值要表明😂
應該睇吓下屆政府是誰，如果仲係杜魯多就冇運行！
若果Trump當選，美國是會減息，全球大勢所趨也會減息，明天聯邦大選，應該會有某黨提識減聯邦入息稅？
所以應該會跌到26年，只是跌得快定慢，唔駛多，好少部分 renew 後供唔起的都要賣樓，supply 會增加變做 buyer market, 但加拿大屋唔會跌太耐，因整體屋數量根本唔夠這裡的人使用，太多年輕人婚後同父母同住，也未計每年移入一百萬人。
@@amypoon3594 🤣🤣🤣🤣🤣🤣🤣🤣🤣 what is multi generational home
中印人仕先同父母住，移民屋廉價屋出租屋一路起緊，地大人少，出生率不高，就算住父母屋父母老咗間屋又多出來！大家都知炒楼来自何方😢
現在已是買方市場跌咗1/4又多啦，每年何來百萬移民？留學生借讀書炒樓條路又唔通嘍
@@wallaceleung2654 mute 左你地先 😛😛😛😛
@@cheungterry9207 wow. Mute 🤫
有沒林過溫哥華有50%屋 是沒按揭 西溫有60% 是沒按揭
好奇問，你有冇data支持？還是以你經驗估計？
@@jasminelai9459 a lot of data out there to support. However I don’t always believe in data. It is more from common sense, you cannot even get a mortgage over $2MM. Those houses are full paid
@@jasminelai9459 加拿大好多人冇按 fact, According to the statistics, only 34% of Canadian homeowners have mortgage-free properties. 多溫市更多
@@TheJlee28 thx. What is the source of data?
@@jasminelai9459 do you have common sense? It is almost impossible to get a mortgage over $2MM. Those houses are fully paid
是不是可以延長供款年期，而每月供款不變呢？
有，可以供款不變只還息，你間屋就一直是銀行財産，到你續約再重估資產補首期或拍賣，因為你不夠能力還本金。
每個供款個案不同，供款金額，年期都不一樣，𨒂長供款年期而供款金額不變，是其中一個option 供款人可以考慮，所以，是不是所有個案都只是可以還到利息（沒還本金）？而且再續約時，是什麼環境，我都好想有個水晶球知道。
有人快活有人愁，這幾年很多人炒tesla, nvidia 賺大錢買貴哂D屋，一般勒力工作打工仔挨貴租養肥地產。地產 pk, 皆大歡喜
😢😢😢😢😂😂😂😂
講得啱
通漲仲要減息？ 唔加已經行運
希望d 投資客將所有住宅嘔返出黎，還我affordable house
我個 friend台山黃，自己一間三千呎屋，老婆一間千五吹，間咗七間劏房租比ubc學生，收 cash，大仔一間二千呎屋，細仔十六歲都有間，一家四口四間屋，佢冇多買屋，冇得嘔番出黎。大把華人都係每人一間屋，幾架車，有D去大灣區買屋乃野，想加拿大出頭攞番錢
@@wanggok 我建议你举报距，税局可能有奖金俾你啵
你买不起屋，这只是你香港人无能，我们大陆人勤力致富，为什麽要呕出来给你们买房子？公平吗？
@@phantomphoenix007 大把人都咁做，收 cash,平些小出租，雙方都有利。我不敢舉報，實比人打死
@@brianho3753 without investor, you will not even have a place to sleep
加拿大不會死架，hold住9-10間house大把人
我個friend台山黃，一家四口，每人有一間屋，外父外母同佢地住，但外父母每人有一間屋。冇人hold住9-10間house，冇咁嘅事，係每人一間屋，每個人都需要一間屋，吾通瞓街咩
唔洗想咁多。一定沒有。美國未減
抢offer嘅时候抢得甘开心，你地唔PK，我地现在点开心
佢地冇搶，只係加十萬啫，聽聞很多貪官要賣屋滙錢回國，因為習主席收夠錢就吾拉佢地在大陸的父母
@@phantomphoenix007 炒樓傻b就含家產拉😆🤣✌️
以前只有減價。邊有over asking price!
@@slman8227 好多係走資過來，大舊錢，買屋最安全
@@brandont5356 以前，八年前，很多大陸人到温哥華買屋，大早到機場，地產用直升機送他們由機場到屋盤，多數在上空打過轉便算是睇完屋，然後上律師樓簽字，下午飛回大陸揾銀。地產有管理公司打理客人吉屋。
有個大陸佬來買農場，要去實地考察，地産架 Lexus房車不能爬山，借我架4 Runner車陸客，陸客怪4 Runner吾舒服，比佢吹漲
好明顯有強廹症。小心
TD借錢4厘
What maturity & terms?
BS
The great reset
講如此怕死，回流返大灣區，何必留在加拿大獻世？？
加拿大人腸胃吾習慣食煤油架
@@wanggok 同意，但無奈加拿大人也漸聞慣周街道友多大麻味、習慣搶劫偷車? 兩度都唔係天堂!
th-cam.com/video/dq2raO-6M7I/w-d-xo.html