加拿大论文代写：房地产市场

加拿大论文代写：房地产市场

Wright和Hogue（2014年）报道说，2013年第四季度，加拿大住房的负担能力只有轻微的改善。虽然这一轻微的增长是由于近年来家庭所有权和管理成本大幅度上涨，由于相对于次级抵押贷款的收益相对强弱，预期的购房者通常需要将其年收入的比例分配到相对较小的一部分，才能以现有的市场价格购买房屋。加拿大皇家银行也有报道说，同一时期的家庭收入超过了抵押贷款成本的单调上涨。长期以来一直受到财产升值的控制;然而，这归因于全国大部分房屋市场的温和措施，以及边际抵押贷款利率预支总额的增加（指第三季度超过两年的首次大幅增长）。
亚历山大等人（2013年）预测了加拿大房屋的长期利率回升，引用了加拿大和世界经济的各种特色事件。其显着特点如下：
由于2008年金融危机的后果，加拿大房屋市场出现明显的经济崩溃，许多房屋买家对房屋的未来价值投机。其原因是由于房地产是加拿大人拥有的最大的金融资产。
房地产的前景一般是投机性和循环性的，因为房地产市场的观念模式容易出现频繁的周期性起伏。包括伯尔顿在内的TD经济专家（第38页）认为，到2017年底，住房业应该开始“逐步，适度，下调”。

加拿大论文代写：房地产市场

Wright and Hogue (2014) reported that the affordability of housing in Canada had only improved mildly in the fourth quarter of 2013. While this mild increase was attributed to a considerable increase in home ownership and management costs in recent years, it has also been observed that prospective homebuyers are often required to allocate a significantly smaller proportion of their annual income in order to purchase a home at the existing market value owing to the relative strength of income gains to subprime mortgages. It has also been reported by the Royal Bank of Canada that household income had, during the same period, outpaced the monotonic rise in the costs of carrying mortgages. The same had for long been kept under control by property appreciation; it has however been attributed to tamer measures in most housing markets in and around the country, and the increase in the total number of marginal mortgage rate advances (refers to the first significant increase in more than two years in the third quarter).
Alexander et al (2013) had predicted the long-run rate return on Canadian housing, citing a wide variety of characteristic events in the Canadian and world economy. The salient features of the same are as follows:
With the apparent economic meltdown in the Canadian housing market owing to the after-effects of the financial crisis of 2008, many prospective home-buyers are speculative about the future value of their homes. The reason for this has been attributed to the fact that real estate is the largest financial asset most Canadians have in their possession.
The outlook on the housing market is generally speculative and cyclic in nature, due to the observed pattern of the housing market being prone to several frequent cyclical ups and downs. Experts at TD Economics, including Burleton (pp. 38) have been of the opinion that the housing industry should embark on a “gradual, modest, downward adjustment” by the end of 2017.