Cracks in real estate market fail to rattle Canada’s big banks

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40% of the banks’ loans are mortgages, so why aren’t they worried?

Canada, home of North America’s biggest housing bubble risk, defies pandemic with price hikes across the country

The trajectory of housing prices over the next 12 months will be critical to Canadian banks’ earnings. A strong property market has provided a reliable earnings stream for banks for decades. But most of the market, including single-family homes, has enjoyed healthy price increases despite a deep recession. In greater Toronto, the average price of a detached house rose to $1.18 million in September, up 17 per cent year-over-year. Some smaller cities and towns have seen jumps of more than 20 per cent.

Bears say that the economic fallout from the pandemic will keep unemployment high for a long time and slow the flow of immigrants that has helped boost demand for homes. That’s part of the Moody’s call for a 7 per cent price decline. One of the biggest bears has been the CMHC, the nation’s housing agency and the main provider of mortgage insurance. The group released a forecast in May that predicted an average price of $460,292 in the first quarter 2021. Given the average price of a house in August was $586,000, prices would need to plunge 21 per cent by the end of next March to line-up with the forecast.

 

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Will never show it to the public? They are hoping it doesn't blow before they get their pensions..

That’s because less houses in the market equals increased sale prices. They made all their money back from the bidding wars.

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