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리버스모기지 8년래 최고 증가 (Reverse mortgage growth reaches 8-year high)

금융감독기관인 OSFI의 자료에 의하면, 노년층의 주택가치를 활용한 리버스모기지가 8년래 최고 수준임. 2018년 10월말기준 34억불로 전월대비 11.57% 증가하였고, 월평균 증가율의 8배 이상임. 이러한 추세는 당분간 지속될 것으로 예상되며, TransUnion은 2018년 3분기 보고서에 73세 이상 노년층의 모기지 건수가 전년대비 63%증가한 것으로 나타났음.

Reverse mortgage growth reaches 8-year high

Data from the Office of the Superintendent of Financial Institutions indicated intensified borrowing among Canadian seniors taking advantage of their housing equity, with the growth of the nation’s reverse mortgage load reaching its highest point in 8 years.

As of October 2018, Canada’s reverse mortgage debt stood at $3.425 billion outstanding, which was 11.57% higher compared to the month prior. This increase was the second largest observed in 8 years, and approximately 844% greater than the median monthly growth. The debt load represented a 57.46% annualized pace of growth, which was a record high for this decade and around 274% higher than the median year-over-year pace. An earlier analysis by the OSFI attributed the acceleration in part to National Bank’s over $427 million in reverse mortgage debt in November 2017.

The agency added that if senior borrowing rates remain steady, reverse mortgages will see enduring popularity over the next few years. A study by TransUnion in Q3 2018 reported that during the first quarter of that year, the number of mortgages issued to Canadians age 73 years and older shot up by 63% year-over-year.  

by Ephraim Vecina 13 Jan 2019 www.mortgagebrokernews.ca

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