You are wrong. In Canada, you need to pay back the bank even after you claim bankrupt. Bank will get their money back eventually as long as you are living in the country and having income. That's why we saw a bunch of foreclosures back in 2008.
-less_is_more(-=+);
2017-5-19(#10811011@0)+2
You two are talking about two completely different things.
-jeffrey815(Smartiecat);
2017-5-19(#10811017@0)+3
If you think so, that means you don't have the ability to put things together. "如果强迫你拿，那只有“个人破产-卖房-市场巨降-银行亏损更严重-银行破产”"
-less_is_more(-=+);
2017-5-19(#10811022@0)
In Canada, in the area of personal loan (not the limited), yes, "bankrupt之后还要pay back", as long as you have new income.
-less_is_more(-=+);
2017-5-19(#10811081@0)+1
IFRS 9 将于明年1月1日生效。银行资产负债表上，发放的贷款属于金融资产，适用IFRS9，要按市价反映在报表上的。“Lenders will effectively have to mark assets such as consumer loans to market from day one, and disclose their values in quarterly reporting.”
-realworld(GTA);
2017-5-19(#10811940@0)+2