一直以来，很多加拿大人喜欢充分利用一房屋贷款功能“Home Equity Line of Credit（HELOC）”，即我们华人所称的“房屋净值（抵押）信用额度贷款”。
通俗来说，当你需要资金周转的时候，可以通过银行，利用你名下房产的净值借取一定额度的贷款。这样做的好处是贷款利率较低，没有贷款目的限制，借款人可以根据自己的需要用于消费、支付学费、偿还其他债务以及投资等，而且基本没有严格还贷的期限。因此，很多华人戏称这是把房子当成“ATM”。
不过，在加拿大银行监管机构实施新规后，该功能的使用将受到限制。HELOC的贷款额度从80%降至65%。
据CBC News报道，加拿大最高银行监管机构正在改变涵盖某些类型住房贷款的规则，以确保贷款人和借款人能够在房地产市场看起来脆弱的时候履行其义务。
金融机构监督办公室（OFSI）正在对某些类型的房地产贷款实施新的指导方针，包括共享股权抵押贷款、反向抵押贷款和与循环信贷额度配对的传统抵押贷款。
最大的变化是针对所谓的联合贷款，即传统的抵押贷款与称为HELOC 的循环信贷额度相结合，房主可以在他们认为合适的情况下投入使用，而无需按任何时间表偿还该部分。
一旦可重复贷款超过基础房屋价值的65%，新规定就会生效。
目前，从技术上讲，业主最多可以从此类贷款中借入80%，但新规则将在功能上将上限降65%，迫使借款人在超过该线时开始偿还部分本金。
该机构的一名官员称，如果发生这种情况，改变将使得一旦贷款价值超过房屋的65%，贷款“将更像是传统抵押贷款，借款人支付本金和利息，直到贷款回到低于65%。
不过，他表示，这一变化不会影响到供房者每月的还款金额，而且这些变化不会影响新购房者。新规定要到 2023 年底才会生效。
但 OSFI 表示，就目前情况而言，加拿大银行的数据显示，目前价值 2000 亿加元的 HELOC 超出了 65% 的门槛，这也是1.8万亿加元的总住房债务中的一部分。
共享股权和反向抵押贷款的变化
监管机构还在修改共享股权抵押贷款和反向抵押贷款的规则。共享股权抵押贷款是将购房者与第三方配对，以帮助他们拿出现金支付首付，以换取股权。
联邦政府在 2019 年推出了一项政府支持的共享股权贷款计划，此后非营利组织和其他社区团体也推出了一个版本。
该官员称，OSFI 周二的公告与其说是一项新的规则变更，不如说是对现有要求的澄清：这些产品实际上必须是合法的股权，而不仅仅是另一笔贷款，而且它们必须“与借款人的股权处于平等地位”。
最终公告适用于所谓的反向抵押贷款，允许房主预先获得其房屋的净值，而无需出售。
近年来，此类贷款的普及率呈爆炸式增长，主要是因为在业主决定出售之前，它们通常不需要偿还任何部分贷款。新规则将房主在开始时可以通过反向抵押贷款获得的金额上限为 65%。（转载）
Dalhousie-brentwood-3-bedroom-联排别墅
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5868 Dalcastle Drive NW in Calgary: Dalhousie Detached for sale : MLS®# A2281027
5868 Dalcastle Drive NW Calgary T3A 2B6 
$699,000Residential- Status:
- Active
- MLS® Num:
- A2281027
- Bedrooms:
- 6
- Bathrooms:
- 4
- Floor Area:
- 1,207 sq. ft.
Fully Renovated 6-Bed, 4-Bath Single family home on an Over-Sized lot perfectly nestled in the highly sought-after community of Dalhousie NW. This inviting residence offers over 2,200 sq. ft. of thoughtfully designed living space, ideal for families looking for comfort, space, and style. Step inside to a generous front foyer that leads to a bright living room with brand-new full-size window filling the living room with ample sunlight. This fully developed bungalow has been beautifully renovated, showcasing stylish vinyl plank flooring throughout the house. The spacious kitchen features quartz countertops, white color cabinet, a striking backsplash, high-end stainless-steel appliances and seamless connection to the dining area. The main floor offers 3 bedrooms, 2 full bathrooms including a generous primary bedroom with a 4-pieceensuite. Convenient laundry area is also located on the main floor. Downstairs, the fully finished Illegal Basement Suite boasts a large living room, spacious 3 bedrooms, 2 bathrooms, full kitchen with brand-new stainless-steel appliances, cabinets and quartz countertops. It also includes a laundry along with a separate entrance which is great for potential rental income. Recent upgrades include brand new triple pane full size windows, vinyl plank flooring, new doors, new stainless-steel appliances, quartz counter tops, kitchen cabinets, lighting fixtures, washroom vanities and freshly painted. The oversized backyard is fully fenced features mature trees, sun exposure, and fire pit. This home truly has it all – location, style, and functionality. Enjoy proximity to top-rated schools, parks, shopping, and quick access to major routes, including Sarcee Trail, Crowchild Trail, and John Laurie Boulevard. Nearest elementary school - Dalhousie School, Nearest Junior high school - H.D. Cartwright School, Nearest high school - Sir Winston Churchill High School. Don’t miss your chance to see it today! Call your favorite realtor to book the viewing. More detailsListed by Century 21 Bravo Realty- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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3318 Boulton Road NW in Calgary: Brentwood Detached for sale : MLS®# A2280944
3318 Boulton Road NW Calgary T2L 1M3
$1,599,999Residential- Status:
- Active
- MLS® Num:
- A2280944
- Bedrooms:
- 7
- Bathrooms:
- 6
- Floor Area:
- 3,637 sq. ft.
This Modern Art Piece, an exceptional custom-built luxury home located in the heart of Brentwood. Meticulously constructed by the builder as a Modern Master Piece, this home reflects uncompromising craftsmanship, premium materials, and thoughtful design throughout. Offering 7 bedrooms, 5.5 bathrooms, and over 3,600 sq. ft. of well designed living space, plus a fully developed legal basement suite with a private, separate walk-up entrance, This property delivers outstanding versatility and value. The striking contemporary exterior, showcases contemporary brick and Hardie Board finishes, enhanced by professional landscaping and elegant exterior accent lighting. Step inside to be greeted by a dramatic 19-foot ceiling in the main living room with an open-to-below second-storey design, creating a bright and expansive atmosphere. The grand living space is anchored by a custom gas fireplace with stone façade, seamlessly flowing into the gourmet kitchen, with an expensive 10-foot quartz waterfall island which serves as the centre piece perfect for entertaining, complemented by top-of-the-line Jen Air appliances and refined finishes. Adjacent to the kitchen is a stylish dining nook with custom wall paneling, while a thoughtfully designed bar offers an ideal space for evening hangouts or serving guests. A private back entry leads to a functional mudroom. The main floor also features a bedroom with its own 3-piece ensuite, ideal to entertain guests, or for extended family needs, along with another 2-piece designer powder room. Upstairs, enjoy an open bonus room overlooking the living area, framed with modern glass railings, The upper level boasts two luxurious primary bedrooms, each with spa-inspired en-suites featuring floor-to-ceiling ceramic tile, in-floor heating, and premium lavatories throughout. one with steam shower, and a free standing soaker tub, The fully developed basement with 9ft ceiling, includes a legal suite with two bedrooms, a full bathroom, a kitchen with shaker-style cabinetry, complete appliance package, and its own full-sized washer and dryer, The other portion of the basement offers roughed-in plumbing, ready for Customization to suit your lifestyle needs. The home is equipped with three separate furnaces, providing efficient climate control for each level. The backyard features two single-car garages, along with a finished lawn to complete the outdoor space.The location is truly unbeatable—just steps from Brentwood LRT Station, Brentwood Village, Northland Mall, and K–12 schools. The University of Calgary is only minutes away, and quick access to Crowchild Trail ensures effortless commuting while remaining tucked away ,completely peaceful and quite, An outstanding property with exceptional build quality, modern luxury, and an unbeatable lifestyle in one of Calgary’s most sought-after communities. More detailsListed by RE/MAX House of Real Estate- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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3824 BRANTFORD Drive NW in Calgary: Brentwood Detached for sale : MLS®# A2281541
3824 BRANTFORD Drive NW Calgary T2L 1H9
$750,000Residential- Status:
- Active
- MLS® Num:
- A2281541
- Bedrooms:
- 4
- Bathrooms:
- 2
- Floor Area:
- 1,072 sq. ft.
Prime location in Brentwood for redevelopment or to hold for future development or live yourself and enjoy coziness the convenience. Hop, Skip & Jump from Brentwood Shopping Mall & Front Yard Facing Playground of Brentwood Elementary School. Newer Kitchen Cabinets and Counters, Open concept between kitchen & dining room, bay windows in bright living & dining rooms, wood burning fireplace with stone facing in living room. Laminate floors in entrance, hallway, kitchen & one of the bedrooms. Fully developed basement with huge recreation room, 4th bedroom, Full bathroom, laundry room and large storage room. Beautiful Treed Lot with Deck & Brick Patio at the backyard. Insulated garage & R.V. parking. Great value in area. Close to all amenities, Schools, Public Transportation, Brentwood mall, LRT Station and short drive to UOC, Children's Hospital, Foothill Hospital and COP. Hurry and Call for Your Private Viewing Today! More detailsListed by MaxWell Capital Realty- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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5439 Dalrymple Crescent NW in Calgary: Dalhousie Detached for sale : MLS®# A2280374
5439 Dalrymple Crescent NW Calgary T3A 1R4 OPEN HOUSE: Jan 31, 202612:30 PM - 02:00 PM MSTOpen House on Saturday, January 31, 2026 12:30PM - 2:00PM
$602,900Residential- Status:
- Active
- MLS® Num:
- A2280374
- Bedrooms:
- 3
- Bathrooms:
- 3
- Floor Area:
- 1,155 sq. ft.
PRICE DROP JAN 27! Welcome to a large bungalow in the heart of West Dalhousie. This large corner lot is situated in close proximity to the Community Centre, 3 schools in the area, and short walk to Dalhousie C-train station. The main level has 3 bedrooms and 1.5 baths. Half of the main levels flooring was recently updated with a vinyl plank. There is a large living room with a wood burning fireplace. The kitchen is sizable with black appliances and ample counter space for preparing meals. There is a separate entry at the rear of the home that leads to the lower level. The basement is fully developed with a huge rec room. A secondary kitchen could be added if the buyer wished. There are 2 large rooms that were recently rented and could be bedrooms if each window was increased to the legal size. These 2 rooms are each larger than the main floor bedrooms. The laundry is located in the basement storage room. A 3 piece bathroom with walk-in shower is off the storage room. The yard is huge with a wooden deck and leads to the oversized garage (24x22). Home is priced well given recent sales in the Community. A quick possession is possible! More detailsListed by RE/MAX Real Estate (Mountain View)- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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3152 Blakiston Drive NW in Calgary: Brentwood Detached for sale : MLS®# A2279381
3152 Blakiston Drive NW Calgary T2L 1L8
$749,900Residential- Status:
- Active
- MLS® Num:
- A2279381
- Bedrooms:
- 5
- Bathrooms:
- 2
- Floor Area:
- 991 sq. ft.
Nestled in the heart of established and highly walkable Brentwood, this charming Bi-Level family home offers approx. 1960 sqft of total comfortable living space, including 5 total bedrooms and 2 full bathrooms. Live upstairs and rent out the basement – the lower 2-bedroom illegal suite with a separate walkup entrance , offers a lucrative opportunity to legalize and boost income as a mortgage helper, or a great cash flowing rental with both suites rented out. Located on a 50'x100’ lot, this property has had recent upgrades including high quality ( water proofing) - LVP flooring on main floor and laminate floor in basement, exterior siding on home and garage (2021), windows and doors (2018), electric panel upgrade (2003), new hot water tank (2023) and shingles replaced (2021). A great opportunity to buy and rent out to the students as a very good investment property! This property is located across Blakiston Park, less than a 3-minutes walk to Co-op and Brentwood LRT Station, Brentwood Village Shoppes, restaurants, banks and public transit. 5 minutes walk to Brentwood Elementary school and walking distance to Sir Winston Churchill High School and Simon Fraser Junior High School , walking distance to Northland Mall and Market Mall. 15 minutes walk to the University of Calgary, with both Foothills Medical Centre and Alberta Children’s Hospital within an 8 minute drive, not to mention Nose Hill Park within walking distance as well. This home blends the appeal of mid-century family home charm with strategic investment benefits—ideal for those aiming for long-term gains and a prime location advantage. Whether as a cozy family home or a high-performing rental, it’s a standout opportunity in Brentwood. Call your favourite realtor today for a showing today! More detailsListed by RE/MAX Real Estate (Mountain View)- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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540 Dalmeny Hill NW in Calgary: Dalhousie Detached for sale : MLS®# A2278492
540 Dalmeny Hill NW Calgary T3A 1T6
$738,000Residential- Status:
- Active
- MLS® Num:
- A2278492
- Bedrooms:
- 4
- Bathrooms:
- 3
- Floor Area:
- 1,100 sq. ft.
Wonderful location at Dalhousie communitity for this mature detached home on a quiet, tree-lined cul-de-sac with no through traffic, next to a large green space and surrounded by high quality, renovated homes. Important renovations include all newer windows, front and rear door, metal tile roof - with a long lifespan, garage overhead door, newer hot-water tank and furnace upgraded too! Dose need minor cosmetic renovation - paint etc, BUT the spending will be surely worthy! This fully developed 4-level side-split home, with OVER 1900 SQFT FINISHED LIVING AREA, has a total of 4 bedrooms, 2 & a half bathrooms. Upgraded kitchen with island breakfast bar, living room, lower family room, and recreation/storage room too! It has an OVERSIZED double attached front garage with a large south facing deck on top of it - a really warm, sunny and attractive place to chill in the warmer months. The garage roof is supported by a reinforced steel beam, so there are no pillars in the middle of the garage to get in your way when parking! This home is on a full-sized 54 ft X 120ft treed lot, with a large rear deck surrounded by a mature hedge, an attractive lawned area, and has a rear gate leading to the lateral park system along John Laurie Boulevard leads to the Nose Hill Park. The main floor boasts extensive hardwood flooring, and the bedroom on the lower level has its own ensuite 3-piece bathroom - making a perfect place for your teenager, or use it as a guest suite when visitors come to stay. Dalhousie remains the truly hidden gem of NW Calgary: a mature area, filled with multiple schools, parks, an extensive parkway system running behind the homes, and has excellent C-Train access at Dalhousie Station - making for a fast commute downtown, and to the University of Calgary, SAIT and its neighbour - the Alberta University of the Arts(formerly ACAD). Dalhousie Station includes multiple shops - Safeway, Chapters, and numerous restaurants, and is also a major hub for Calgary Transit's bus system. THIS IS THE HOME FOR YOUR FAMILY IF THEY WANT TO LIVE IN A REAL COMMUNITY WITH EVERYTHING CLOSE BY - but still have a quiet and private location. HURRY TO VIEW THIS BEAUTY! More detailsListed by First Place Realty- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
Data was last updated January 29, 2026 at 10:05 PM (UTC)
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