年轻人购房新趋势﹐是以父母房产作抵押贷款﹐避开大银行房贷压力测试﹐实现住房梦想。但有房贷经纪提醒﹐此类贷款模式利率相对较高﹐申请人一旦违约断供﹐父母房产面临被没收的风险。
自从加拿大各大金融机构收紧房贷﹐实施更严厉的房贷压力测试后﹐许多年轻购房一族因收入低而无法通过压力测试门槛﹐纷纷转向中﹑小型的金融机构。
资深贷款经纪说﹕「现在一些中﹑小型金融贷款机构推出﹑依托父母房产作抵押的房贷模式﹐受到越来越多年轻购房者欢迎。
「这种房贷模式是﹕如房贷申请人的父母年龄介乎55岁到85岁之间﹐在加拿大境内拥有独立房产﹐那么申请人可以父母房产作抵押﹐获得金融机构的贷款﹐金融机构在审核申请人的还贷能力时不要求提供收入证明。」
该贷款经纪还指出﹐「这种以父母房产作抵押的贷款模式有两个条件﹕一是父母的物业必须是贷款全部还清﹔二是贷款申请人必须是当地居民﹐国际留学生身份不适用。 」
另外﹐贷款额度与申请人父母的年龄、房产价值挂钩﹐父母年龄越高﹐获得贷款的额度越大﹐最高可获房产总价的55%。
她还指出﹐「这种依靠父母房产申请贷款的模式在西人社区非常流行﹐华裔社区也越来越受欢迎」。
她说﹐现在加拿大的房价居高不下﹐单靠年轻人自己的收入根本无力购买﹐而许多退休老人居住的物业已大幅升值﹐故推断未来这种贷款形式将成为一种趋势。
不过﹐她亦提醒房贷申请人﹐依靠父母房产作抵押贷款时﹐必须认真评估自己的还贷能力。因为开展类贷款的金融机构给出的借贷利率一般较高﹐像5年期浮动利率达6.5%到6.6%﹐申请人一旦无力按期偿还贷款﹐父母房产将面临被没收的风险。
虽然放贷公司不看申请人的收入证明﹐但是也要审核申请人及其父母是否有投资、储蓄等资产﹐对申请人的还贷能力进行全面衡量。
加拿大皇家银行(RBC)一名华裔贷款专家则表示﹐知道这种贷款模式的存在﹐但拒绝置评﹐但强调五大银行未有提供类似的借贷服务。
他指出﹕「五大银行机构的严格房贷政策﹐不仅仅是银行本身预防风险﹐也是对贷款申请人负责(转载）
105 320 12 Avenue NE
Calgary
T2E 1A4
$190,000
Residential
beds: 1
baths: 1.0
774 sq. ft.
built: 2008
- Status:
- Active
- Prop. Type:
- Residential
- MLS® Num:
- A2272860
- Bedrooms:
- 1
- Bathrooms:
- 1
- Year Built:
- 2008
- Photos (19)
- Schedule / Email
- Send listing
- Mortgage calculator
- Print listing
Schedule a viewing:
Cancel any time.
Welcome to 320 12 Ave NE. A bright 1 bed / 1 bath condo with easy downtown access and a functional open-concept layout. The kitchen features granite countertops with breakfast bar and tile flooring, flowing into a good-sized dining area and comfortable living space. Step outside through the living room door to enjoy an oversized, private, secure patio. The bedroom includes a walk-in closet. In-suite laundry and an assigned underground parking stall complete this unit. This complex is pet friendly with no size restrictions and is steps to transit and has good access to 16 Avenue NE!
- Property Type:
- Residential
- Property Sub Type:
- Apartment
- Condo Type:
- Conventional Condo
- Transaction Type:
- For Sale
- Possession:
- Signup
- Possession Date:
- Signup
- Suite:
- No
- Num Legal Suites:
- 0
- Num Illegal Suites:
- 0
- Home Style:
- Apartment-Single Level Unit
- Total Living Area:
- 773.7 sq. ft.
- Main Level Finished Area:
- 773.7 sq. ft.
- Lower Level Finished Area:
- Signup
- Above Grade Finished Area:
- Signup
- Taxes:
- Signup
- Tax Assessed Value:
- Signup
- Condo Fee:
- $804.00
- Condo Fee Includes:
- Common Area Maintenance, Heat, Insurance, Parking, Professional Management, Reserve Fund Contributions, Sewer, Snow Removal, Water
- HOA Fee Includes:
- Signup
- Acres Cleared:
- Signup
- Acres Cultivated:
- Signup
- Acres Irrigated:
- Signup
- Acres Leasehold:
- Signup
- Acres Not Cultivated:
- Signup
- Acres Freehold:
- Signup
- Acres Seeded:
- Signup
- Acres Tame Hay:
- Signup
- Acres Treed:
- Signup
- Acres Waste:
- Signup
- Acres Water Rights:
- Signup
- Front Exposure:
- South
- Reg. Size:
- Signup
- Reg. Size Includes:
- Signup
- Unit Exposure:
- South
- Floor Location:
- Ground
- Entry Level:
- 1
- Stories Total:
- 3
- Levels:
- Single Level Unit
- End Unit:
- 2+ Common Walls
- Total Rooms Above Grade:
- 4
- Year built:
- 2008 (Age: 18)
- Bedrooms:
- 1 (Above Grd: 1)
- Bedrooms Above Grade:
- 1
- Bedrooms Below Grade:
- 0
- Bathrooms:
- 1.0 (Full:1, Half:0)
- Plan:
- 0812602
- Heating:
- In Floor
- New Constr.:
- No
- Construction Material:
- Stucco, Wood Frame
- Structure Type:
- Low Rise (2-4 stories)
- Ensuite:
- No
- Flooring:
- Carpet, Ceramic Tile
- Cooling:
- None
- Fireplaces:
- 0
- Garage:
- No
- Parking:
- Heated Garage, Stall, Underground
- Parking Places:
- 1
- Parking Total/Covered:
- 1 / -
- Laundry Features:
- In Unit
- Condo Fee Frequency:
- Monthly
- Z-name Not Listed
- Crescent Heights
- Elevator(s), Parking, Secured Parking, Trash
- None
- none
- Pet Restrictions or Board approval Required
- Restrictions
- Floor
- Type
- Size
- Other
- Main Floor
- Living Room
- 16'11" × 13'1"
- Main Floor
- Dining Room
- 16'5" × 7'9"
- Main Floor
- Kitchen
- 13'1" × 8'9"
- Main Floor
- Bedroom - Primary
- 13' × 10'11"
- Main Floor
- Laundry
- Measurements not available
- Floor
- Ensuite
- Pieces
- Other
- Main Floor
- No
- 4
- Title to Land:
- Fee Simple
- Community Features:
- Park, Playground, Schools Nearby, Shopping Nearby, Sidewalks, Street Lights, Walking/Bike Paths
- Interior Features:
- Breakfast Bar, Built-in Features, Granite Counters, Open Floorplan, Pantry, Walk-In Closet(s)
- Exterior Features:
- Other
- Patio And Porch Features:
- Enclosed, Patio
- Lot Features:
- Back Lane, Corner Lot, Few Trees, Landscaped, Street Lighting
- Num. of Parcels:
- 0
- Fencing:
- None
- Region:
- Calgary
- Zone:
- CAL Zone CC
- Zoning:
- M-C1
- Listed Date:
- Dec 03, 2025
- Days on Mkt:
- Signup
-
Photo 1 of 19 -
Photo 2 of 19
-
Photo 3 of 19
-
Photo 4 of 19
-
Photo 5 of 19
-
Photo 6 of 19
-
Photo 7 of 19
-
Photo 8 of 19
-
Photo 9 of 19
-
Photo 10 of 19
-
Photo 11 of 19
-
Photo 12 of 19
-
Photo 13 of 19
-
Photo 14 of 19
-
Photo 15 of 19
-
Photo 16 of 19
-
Photo 17 of 19
-
Photo 18 of 19
-
Photo 19 of 19
Listed by RE/MAX Realty Professionals
Data was last updated January 30, 2026 at 02:05 AM (UTC)
Area Statistics
- Listings on market:
- 33
- Avg list price:
- $339,000
- Min list price:
- $129,900
- Max list price:
- $4,449,000
- Avg days on market:
- 49
- Min days on market:
- 1
- Max days on market:
- 371
- Avg price per sq.ft.:
- $345.77
These statistics are generated based on the current listing's property type
and located in
Crescent Heights. Average values are
derived using median calculations. This data is not produced by the MLS® system.
- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
powered by myRealPage.com
