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Daniel Foch

@danielfoch • 52,947 subscribers

Real estate & data nerd building technology to fix the real estate industry. Ai + real estate + economics.

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% change in homebuyers since 2015

% change in homebuyers since 2015

752,016 просмотров • 2 лет назад

OSFI just freed up more room for Canada’s Big Six banks to deploy capital. The domestic stability buffer dropped from 3.5% to 3%. The banks are already sitting at an average 13.5% common equity tier-one ratio, well above OSFI’s new 11% expectation. This does not mean $673 billion is about to pour into mortgages. It means the regulator thinks the banks can absorb losses and wants more credit moving through a stressed economy as the mortgage cycle resets. That is a strange signal to send while household debt is still high and house prices remain stretched against incomes. #CanadianRealEstate #HousingMarket #Banking #Economics

OSFI just freed up more room for Canada’s Big Six banks to deploy capital. The domestic stability buffer dropped from 3.5% to 3%. The banks are already sitting at an average 13.5% common equity tier-one ratio, well above OSFI’s new 11% expectation. This does not mean $673 billion is about to pour into mortgages. It means the regulator thinks the banks can absorb losses and wants more credit moving through a stressed economy as the mortgage cycle resets. That is a strange signal to send while household debt is still high and house prices remain stretched against incomes. #CanadianRealEstate #HousingMarket #Banking #Economics

24,428 просмотров • 29 дней назад

Canada's condo bailout got rebranded. First it was about absorbing vacant/distressed condos in B.C. After the blowback, the language shifted to rent-to-own and ownership pathways. Cleaner politics. Same economic problem. There is unsold condo inventory. Someone has to eat the loss. Rent-to-own just makes the bailout sound like help for renters instead of help for developers. #CanadianRealEstate #HousingMarket #CanadaHousing #RealEstate #Economics

Canada's condo bailout got rebranded. First it was about absorbing vacant/distressed condos in B.C. After the blowback, the language shifted to rent-to-own and ownership pathways. Cleaner politics. Same economic problem. There is unsold condo inventory. Someone has to eat the loss. Rent-to-own just makes the bailout sound like help for renters instead of help for developers. #CanadianRealEstate #HousingMarket #CanadaHousing #RealEstate #Economics

32,208 просмотров • 1 месяц назад

Toronto rents vs mortgage payments since 2008

Toronto rents vs mortgage payments since 2008

252,966 просмотров • 2 лет назад

Vacancy rates in Canada are soaring in 2025, hitting decade highs. Landlords are slashing rents and offering incentives to attract tenants as supply outpaces demand. What does this mean for renters and investors? #RentalMarket #RealEstate

Vacancy rates in Canada are soaring in 2025, hitting decade highs. Landlords are slashing rents and offering incentives to attract tenants as supply outpaces demand. What does this mean for renters and investors? #RentalMarket #RealEstate

29,075 просмотров • 7 месяцев назад

Canada's international student arrivals have plummeted 97% since 2023, hitting pandemic-era lows. Hundreds of thousands face mandatory departure in 2026. What does this mean for housing, universities, and jobs? #Canada #InternationalStudents

Canada's international student arrivals have plummeted 97% since 2023, hitting pandemic-era lows. Hundreds of thousands face mandatory departure in 2026. What does this mean for housing, universities, and jobs? #Canada #InternationalStudents

22,096 просмотров • 6 месяцев назад

Toronto's housing market: one of the worst? Historical data since 1912 shows a 7-8% year-over-year increase, despite dips. Is this the end, or just another cycle? Now might be the time to buy. #TorontoRealEstate #HousingMarket

Toronto's housing market: one of the worst? Historical data since 1912 shows a 7-8% year-over-year increase, despite dips. Is this the end, or just another cycle? Now might be the time to buy. #TorontoRealEstate #HousingMarket

14,871 просмотров • 7 месяцев назад

Largest drop in Canadian house prices in 30+years

Largest drop in Canadian house prices in 30+years

23,833 просмотров • 1 год назад

Canada's housing market is a global outlier, experiencing one of the worst real housing price drops in the developed world. Toronto condo sales have plummeted to levels not seen since the early 1990s, with January sales 80% below the long-term average.

Canada's housing market is a global outlier, experiencing one of the worst real housing price drops in the developed world. Toronto condo sales have plummeted to levels not seen since the early 1990s, with January sales 80% below the long-term average.

10,661 просмотров • 5 месяцев назад

Canada is currently experiencing a significant drop in house prices, with data from the Federal Reserve showing a nearly 24% decrease off-peak. This decline is expected to improve affordability and stimulate the housing market. #housingmarket #canadarealestate

Canada is currently experiencing a significant drop in house prices, with data from the Federal Reserve showing a nearly 24% decrease off-peak. This decline is expected to improve affordability and stimulate the housing market. #housingmarket #canadarealestate

14,297 просмотров • 11 месяцев назад

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