AGENT LICENSE ID
H2545
BROKERAGE LICENSE ID
E8889
Peng Wei
Mortgage broker
Office:
Phone:
Email:
Address:
8250 Boul. Decarie suite 150, Montréal, Quebec
If you reach this page, Congratulations! You are one big step closer to your new house or whatever your financial need related to real estate. With the extensive experience of real estate and mortgage application, my job is to find the best financial product to fit your need, whether it is a purchase of new house, refinance, consolidation of debts or investment of real estate. What I mean "the best" is the LOWEST interest rate and the BEST condition that you can't find anywhere else. My goal is very simple: to serve as many people as possible to reach their dream of real estate with maximum saving of their hard earned money with hassle free. So don't hesitate. Need mortgage? Call Peng.
BLOG / NEWS Updates
史上最低贷款利率,您需要行动来撬动地产投资最大化
加拿大央行近乎为0的基准利率使得贷款利率降到了有史以来的最低点, 您需要重新考虑您的贷款计划,以最大化您在房地产投资的回报率。无论是自住房投资房,您需要一个专业的贷款经纪根据您的财务状况合理地制定和调整您目前的贷款计划,利用杠杆原理最终实现财务自由。
作为一名专业的房地产和贷款经纪,您利益的最大化是我和您共同的目标,凭借丰富全面的房地产知识和经验,我能为您做的是寻找和协商最低的贷款利率,最优的贷款条件,无论是新购房贷款,重新融资贷款,还是renew贷款。通过我的服务,您不但可以在魁省范围购置物业,甚至在全加任何省份都可以贷款购置物业。
人们常说买的没有卖的精,我并不向您兜售任何金融产品,因为我不隶属任何银行,所以我和您的利益是一致的,我的服务完全没有任何费用,有的只是诚恳专业的建议,耐心细致的服务。
欢迎咨询,竭诚服务。
Record December caps record year for Canadian home sales
Statistics released today by the Canadian Real Estate Association (CREA) show national home sales set another all-time record in December 2020.
Home sales recorded over Canadian MLS Systems jumped by 7.2% between November and December to set another new all-time record.
Seasonally adjusted activity was running at an annualized pace of 714,516 units in December 2020 the first time on record that monthly sales at seasonally adjusted annual rates have ever topped the 700,000 mark.
The month-over-month increase in national sales activity from November to December was driven by gains of more than 20% in the Greater Toronto Area (GTA) and Greater Vancouver.
Actual (not seasonally adjusted) sales activity posted a 47.2% y-o-y gain in December the largest year-over-year increase in monthly sales in 11 years. It was a new record for the month of December by a margin of more than 12,000 transactions. For the sixth straight month, sales activity was up in almost all Canadian housing markets compared to the same month in 2019.
For 2020 as a whole, some 551,392 homes traded hands over Canadian MLS Systems a new annual record. This is an increase of 12.6% from 2019 and stood 2.3% above the previous record set back in 2016.
Mortgage Deferral Agreements and Their Impact
CMHCs Fall 2020 Residential Mortgage Industry Dashboard discusses mortgage deferral agreements and their impact.
At the end of the second quarter, credit unions, mortgage finance companies (MFCs) and mortgage investment entities (MIEs) have allowed mortgage deferral agreements for about 6%, 7% and 7% of their respective residential mortgage portfolios.
Chartered banks have allowed 16% of mortgages to go into deferral since the beginning of the pandemic. Of these, close to 2 out of 3 borrowers had resumed payments on their mortgages at the end of the third quarter of 2020. In the coming months, we could see higher delinquency rates if some borrowers are unable to resume their payments; these mortgages will have to be booked as arrears.
These deferral agreements have affected financial institutions cash flows, with reductions of:
4% in scheduled mortgage payments
3% in non-scheduled payments (accelerated monthly payments and lump-sum payments)
While remaining at low levels, mortgages in arrears (90 or more days delinquent) have increased slightly between the first and second quarters of 2020 from:
0.24% to 0.26%, on average, for chartered banks
0.23% to 0.25%, on average, for non-bank mortgage lenders
We also observe an increase in early-stage delinquencies (31 to 59 days and 60 to 89 days), which suggests that arrears could continue on an upward trend.
Source: CMHC