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28% of Canadians fear bankruptcy ZT [复制链接]

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发表于 2018-7-9 20:19:46 |显示全部楼层
28% of Canadians fear bankruptcy ahead of Bank of Canada decision



With just two days to go before an anticipated interest rate hike by the Bank of Canada, one of the country's top bankruptcy firms is warning a "staggering" number of Canadians are on the brink of financial disaster.

Twenty-eight per cent of respondents to a new survey, which was conducted on behalf of MNP from June 15 to June 19, said another rate increase will propel them toward bankruptcy, while 42 per cent say if rates rise much more they'd fear for their financial well-being. While both readings were down modestly from the previous quarterly survey, that's not lessening the alarm.

"When you look at the staggering number of people who are teetering on the edge, it’s clear that we are going to start seeing a rise in delinquencies as rates rise," said MNP President Grant Bazian in a release.

The Bank of Canada has raised interest rates three times since last summer, and investors overwhelmingly expect the bank will boost its target for the overnight rate to 1.5 per cen





Canadians have been warned for years that the cost of borrowing is bound to rise in this country; indeed, the MNP survey suggests some are paying heed, with 61 per cent of respondents saying they believe their debt situation has improved.



But there's still a significant proportion of consumers who are struggling under the weight of their balance sheet.

Twenty-seven per cent of respondents to the survey said they have no wiggle room after covering their monthly obligations; meanwhile, 44 per cent say they're within $200 of insolvency every month.

“Make no mistake about it, the level of household indebtedness in Canada is still very concerning,” Bazian said. "For those who are in debt and already struggling to make ends meet, slowly pumping the brakes on spending isn’t going to be enough at this point."



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发表于 2018-7-9 20:22:56 |显示全部楼层
如果是真,这轮洗劫,威力够大。
穷人没啥可损失,国家政策永远服务大富豪,看热闹,殃及鱼池

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发表于 2018-7-10 10:17:48 |显示全部楼层
海地人聪明, 几年前开始申请破产.

首先把钱转移给老婆, 然后离婚, 然后老婆买房, 然后租老婆的房还抵押贷款.
然后申请破产, 破产后, 欠政府的钱, 欠私人的钱都不用付了.

申请破产要找破产律师, 要交好几万的律师费, 当然他也会欠律师费, 但交最基本的
几千元.

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发表于 2018-7-10 11:08:14 |显示全部楼层
linyang2012 发表于 2018-7-10 10:17
海地人聪明, 几年前开始申请破产.

首先把钱转移给老婆, 然后离婚, 然后老婆买房, 然后租老婆的房还抵押贷 ...

这种贷款一般属于政府担保贷款,所以银行不会赔,如果破产,政府必须还银行。
中国人也有玩的,我的一个上海外国语大学朋友过来就基本没工作过,她总是能在政府领啥钱,中国那边以前在电业局,也有很多钱。要讲过日子,人家真的还是很爽。
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