Frozen Funds? Why Some Mortgage Investors Can't Withdraw Money Now

Описание: Friends, as of January 2026, multiple Canadian Mortgage Investment Corporations (MICs) have frozen investor withdrawals—trapping retirement savings inside funds that were marketed as "safe as houses." This isn't a technical glitch. This is a systemic liquidity crisis unfolding across Canada's $40 billion private credit sector.
In this video, we examine the structural fault lines that made this inevitable: the liquidity mismatch between monthly redemptions and multi-year construction loans, the migration of subprime borrowers into shadow banking after major banks tightened lending standards, and the rising wave of non-performing loans now reaching 20-30% in some funds.
We break down the mechanism: how bank rejections pushed developers into high-cost private credit, how retirees chasing 9% yields became unwitting venture capitalists in speculative real estate projects, and how redemption gates are creating a slow-motion bank run with devastating consequences for ordinary Canadians.
This is not speculation. This is forensic analysis of a crisis happening right now—where investors are being offered 65 cents on the dollar today or the promise of maybe 100 cents in five years. A soft default by any other name.
We explore the contagion risk: how MIC fire sales are dragging down property comparables across Toronto, Vancouver, and Calgary; how construction projects are stalling as capital evaporates; and how the convergence of frozen credit, tightening bank lending, and forced asset liquidation is creating a feedback loop with no clear exit.
The window for preparation is closing. This video is your warning.

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IMPORTANT DISCLAIMER:
This video is for educational and informational purposes only and should not be considered financial, investment, legal, or tax advice. The content represents my personal analysis and opinion based on publicly available information.
I am not a licensed financial advisor, investment advisor, or registered broker-dealer. Nothing in this video should be construed as a recommendation to buy, sell, or hold any security, commodity, or financial instrument.
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