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| | 加拿大银行收紧对工薪阶层的贷款申请 | | | thestar ｜ 2025-04-02 | | | |
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scroll 0 1 美国总统川普对加拿大挥起关税大棒，不仅会让日常消费品涨价，也会影响家庭融资。专家警告，受美国关税威胁行业的加拿大工人可能很快面临更严格的房贷审批条件，目前已有大型银行开始限制贷款，其他银行预计也将跟进。
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据本地英文媒体多伦多星报报道：位列加拿大五大银行之一的满银（BMO）已向旗下经纪人发布内部备忘录，将对铝业、钢铁业的自雇人士收紧贷款标准。同时被收紧政策的，还有一些其他“高风险”行业，包括制造业、农业和自然资源领域。
BMO发言人苏万达（Anke Suwanda）在给星报的邮件中表示，金融机构在评估贷款申请时考量经济因素（包括行业类型）是常规操作，此举旨在“保护客户的长期财务健康”。
然而批评者认为，新政策给本已承受经济压力和失业风险的工人增添了额外负担。
加拿大劳工大会社会经济政策部主任罗伯茨（Chris Roberts）表示：“看到特许银行对最无力承受贸易战冲击的无辜群体落井下石，实在令人沮丧。”
此政策调整正值美国总统特朗普计划于周三对加拿大等贸易伙伴实施报复性关税之际，而25%的加拿大钢铝关税已生效。经济学家警告称，全面关税可能将加拿大经济推入衰退。
根据BMO备忘录，自3月19日起，该行将临时降低总债务偿还率（TDS）——即家庭月收入中用于偿还房贷、房产税和其他债务的比例——从44%下调至42%。这意味着，农民、卡车司机等自雇人士需证明其能用更低比例的收入覆盖所有住房成本。
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