议会预算监督机构（PBO）：2021抵押贷款保险降低保费建议财务分析报告（英文版）（13页）.pdf

1、December 17, 2021FISCAL ANALYSIS OF PROPOSEDPREMIUM REDUCTION FORMORTGAGE INSURANCEPowered by TCPDF (www.tcpdf.org) The Parliamentary Budget Officer (PBO) supports Parliament by providing economic and financial analysis for the purposes of raising the quality of parliamentary debate and promoting gr

2、eater budget transparency and accountability. This note provides fiscal analysis of the Governments proposal to reduce mortgage insurance premiums collected by the Canada Mortgage and Housing Corporation (CMHC). Lead Analysts: Rgine Clophat, Analyst Mark Creighton, Analyst Contributors: Louis Perrau

3、lt, Advisor-Analyst This report was prepared under the direction of: Jason Jaques, Director General Nancy Beauchamp, Marie-Eve Hamel Laberge and Rmy Vanherweghem assisted with the preparation of the report for publication. For further information, please contact pbo-dpbparl.gc.ca Yves Giroux Parliam

4、entary Budget Officer RP-2122-025-S_e Office of the Parliamentary Budget Officer, Ottawa, Canada, 2021 Table of Contents Executive Summary 4 1. Introduction 6 2. Parameters and Assumptions 7 2.1. Parameters 7 2.2. Assumptions 7 3. Financial analysis 9 3.1. Earned fees and premiums 9 3.2. Investment

5、income 9 4. Results 10 4.1. Sensitivity Analysis 11 Notes 13 Fiscal Analysis of Proposed Premium Reduction for Mortgage Insurance 4 Executive Summary On September 1, 2021, the Liberal Party unveiled its election platform in which it proposed to reduce the monthly cost of mortgage payments. Parliamen

6、tarians have expressed interest in such a measure. The Parliamentary Budget Officer (PBO) conducted a fiscal analysis of the proposal and estimated the cost of the measure. In concrete terms, the measure has two components: A 25% reduction in the mortgage insurance premium required by the Canadian H