- Member of Parliament
- Member of Parliament
- Liberal
- Scarborough Centre
- Ontario
- Voting Attendance: 66%
- Expenses Last Quarter: $131,199.78
- Government Page
- Oct/5/23 3:16:12 p.m.
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Mr. Speaker, every week Canadians are having to spend more and more on groceries just to feed their families. They are having to put off savings and even other essentials in order to keep putting food on the table. We recognize the global supply chain challenges and global inflation, but we need to acknowledge Canadian families are having a hard time right now.
Could the Minister of Innovation, Science and Industry tell us about his meeting with the grocery executives and what we are doing to address affordability at the grocery stores?
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Mr. Speaker, I want to thank the hon. member for her concern in making sure that Canadians have access to affordable housing.
Housing is not something that we could resolve in one or two years. Since we came to power in 2015, we have worked on building a national housing strategy, which is a 10-year plan to make sure that we build more affordable housing. In this budget, we have taken certain measures to make sure that Canadians get access. We have announced a housing accelerator fund, which is a great investment and which would help in building more affordable housing, working with more municipalities and making sure that they cut the red tape to have quicker processes for building more affordable housing.
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Mr. Speaker, I always welcome the opportunity to rise in this place on behalf of the good people of Scarborough Centre. Today, I rise to speak to a very important piece of legislation, the budget implementation act, which I believe contains a host of measures that speak to the concerns they share with me every day. When I am attending events, knocking on doors, or meeting with constituents, they often talk to me about the cost of living. This is an overarching issue that manifests itself in many ways.
A long-standing issue of concern is access to safe, adequate and affordable housing. Rental housing, when it can even be found, is even more unaffordable and often old and inadequate for the families that want to call our community home. The dream of home ownership, once considered a birthright for hard-working Canadians, is becoming for many a seemingly impossible dream.
It is part of the larger issue of affordability in many aspects of everyday life. While the data shows that Canada has fared better than most other G7 countries when it comes to inflation, that is little comfort to my constituents, who go to the grocery store and find so much of their paycheque just going to put food on the table. This has them looking warily to the future. Will they ever be able to get ahead of the daily grind? Will they be able to find the money to save for their future or to put away for their children’s education?
It is because of concerns like these that the government is laser-focused, including in budget 2023, on affordability. With our made-in-Canada plan, budget 2023 would ensure that Canadians have more money in their pockets and are able to meet the challenges of today and tomorrow, while building a Canada that is more secure, sustainable and affordable for people from coast to coast to coast.
Let us start with everyday expenses. While our opponents across the way want to lower taxes for the wealthiest 1% and hope the money will somehow trickle down to the middle class and those working hard to join it, decades of failed Conservative economic policy show that this does not work. Instead, our government is focused on delivering targeted inflation relief directly to the most vulnerable Canadians to help support them with the cost of living.
That is why, in budget 2023, our government is providing new, targeted inflation relief to the Canadians hardest hit by rising food prices. Budget 2023 introduces a one-time grocery rebate, providing $2.5 billion in targeted inflation relief for 11 million low- and modest-income Canadians and families. The grocery rebate will provide eligible couples with two children with up to an extra $467, single Canadians without children with up to an extra $234, and seniors with an extra $225 on average. An individual or a family would have to be entitled to the GST credit in January 2023 and have filed a 2021 tax return in order to receive the grocery rebate. This additional support would be delivered by the Canada Revenue Agency as soon as possible following the passage of the legislation, using the GST credit system.
Shortly after the budget was released, I visited Atiya's Fresh Farm, a grocery store in my riding, with the Minister of Transport to talk about the grocery rebate. I spoke with several mothers, who told me how the extra help from the grocery rebate would allow them to make better choices when doing the family’s grocery shopping. For families in my riding, this will mean being able to buy healthier options and more fruits and vegetables, instead of cheaper, less nutritious, processed food. That is especially important for children, to ensure they have the energy they need to grow and be active, as well as succeed in their schooling.
Speaking of schooling, with budget 2023 we are also making it easier for families to save for and invest in their children’s future. We are proposing to improve registered education savings plans by increasing limits on certain RESP withdrawals from $5,000 to $8,000 for full-time students, and from $2,500 to $4,000 for part-time students. We are proposing to allow divorced or separated parents to open a joint RESP for their children, which would make it easier and more affordable for parents to save for their children's education.
We are increasing Canada student grants by 40%, providing up to $4,200 for full-time students. We are raising the interest-free Canada student loan limit from $210 to $300 per week of study. We are also waiving the requirement for mature students, aged 22 years or older, to undergo credit screening in order to qualify for federal student grants and loans for the first time, which would allow up to 1,000 additional students to benefit from federal aid in the coming year. This follows other support for students announced by our government, including permanently eliminating interest on Canada student loans and ensuring that borrowers do not need to make payments on their loans until they earn at least $40,000 per year. We are committed to working with students in the years ahead to develop a long-term approach to student financial assistance in time for budget 2024.
Also, on affordability, I have already seen in my community how the Canadian dental care plan is making a difference for lower-income families. It is allowing families that have been putting off dental care for their children to be able to get their children in to see a dentist and make their oral care a priority. Dental care is health care, and an ounce of prevention is worth a pound of cure. By expanding the program this year to include seniors and other lower-income Canadians, we are both helping make life more affordable and ensuring healthy outcomes for more Canadians.
I would also like to talk about housing, which, as I have said, is a real issue for my constituents. While the Conservatives did nothing on housing for a decade and still like to pretend the rental market does not exist, our government takes a holistic approach to housing that includes both homeowners and renters. Everyone should have a safe and affordable place to call home. However, for too many Canadians, including young people and new Canadians, the dream of owning a home is increasingly out of reach, and paying rent has become more expensive across the country.
Centred by the national housing strategy, over the past year the federal government has taken significant steps towards making housing more affordable for Canadians. We are building on that in budget 2023 by announcing that financial institutions will be able to start offering the tax-free first home savings account to Canadians as of April 1, 2023; publishing a guideline to protect Canadians with mortgages who are facing exceptional circumstances; and committing an additional $4 billion to CMHC to implement a co-developed urban, rural, and northern indigenous housing strategy.
This builds on other measures we have taken, such as a two-year ban on non-residents or non-Canadians purchasing residential property; a 1% annual underused housing tax on the value of residential property owned by non-residents or non-Canadians that is vacant or underused; a new tax-free first home savings account to allow Canadians to save up to $40,000, tax-free, to help buy their first home; an accelerator fund to remove barriers and incentivize housing supply growth, with the goal of creating at least 100,000 net new homes across Canada, and much more.
As I have said before, no one level of government holds the key to solving the housing crisis in Canada. It will take cities, provinces and the federal government all working together. There is still much more to do, but I am glad that, after a Conservative decade of darkness, Canada again has a government that is a willing partner in housing.
While our government is focused on programs that make life more affordable for Canadians, such as dental care and child care, the opposition on the other side is opposing us every step of the way. The Leader of the Opposition even called our child care plan, which is saving families hundreds of dollars every month, a “slush fund”. It is clear who is looking out for Canadian families.
Let us pass this budget and keep the focus on affordability for everyday Canadians.
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Mr. Speaker, through Bill C-32 and our fall economic statement, we are trying to provide targeted support to Canadians who need it the most, by doubling the GST tax credit, by eliminating the student debt loan and by providing a one-time $500 top-up allowance for renters who cannot afford it.
I talk to constituents in my riding every day, and they bring up these issues. Affordability is becoming a concern for many. These are measures, like the measures the members on the opposite side voted against, such as providing dental support for families with kids under the age of 12. We are lucky to have insurance, but there are many families in my community who have no insurance to take their kids to the dentist.
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- Dec/5/22 2:49:03 p.m.
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Mr. Speaker, for so many Canadians, finding housing that is affordable is becoming incredibly challenging. This is especially true in Scarborough and the entire city of Toronto. There is no question we need to continue to do more.
Can the Minister of Housing and Diversity and Inclusion please tell the House about the important progress our government is making to ensure every Canadian has affordable housing that meets their needs?
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Madam Speaker, the climate action incentive provides an annual credit for an individual in Ontario, my home province, of $373 for an individual and $186 for a spouse or common-law partner, and $93 per child under the age of 19. Every dollar raised through carbon pricing in Ontario goes back to the residents of Ontario. The less we pollute, the more we save.
When we are talking about affordability and helping Canadians, why does the hon. member want to take hundreds of dollars out of the pockets of Ontario families?
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Madam Speaker, as part of the national housing strategy, we are addressing the issue of affordability and the lack of rental housing construction and capacity. We have introduced the rapid housing initiative, a $2.5-billion program to finance the construction of modular housing as well as the acquisition of land and the conversion of existing buildings to affordable housing. The rental construction financing initiative gives developers low-cost loans during the riskiest phases of construction. This helps developers to better predict costs so they are more incentivized to build rental projects, all while meeting important criteria in terms of affordability, accessibility and energy efficiency.
These programs are working, but it will take time to have an impact and begin bringing prices under control. Canadians need help now. That is why this legislation proposes to invest $1.2 billion to provide a direct federal Canada housing benefit top-up payment of $500 to 1.8 million renters who are struggling with the cost of housing. This is in addition to the $4 billion we are already investing to provide an average of $2,500 in direct financial assistance for the cost of rent to Canadians across the country through the existing Canada housing benefit.
This new, one-time benefit would be available to applicants with incomes below $35,000 for families, and $20,000 for individuals, who pay at least 30% of their income on rent. If this legislation is passed, eligible renters will begin receiving payments before the end of this year. To be eligible, applicants must have filed their 2021 tax return and will need to attest that they are paying at least 30% of their adjusted net income on rent. Families must have a net income of $35,000, and individuals must have an income of less than $20,000. An estimated 1.8 million low-income renters, including students, who are struggling with the cost of housing would be eligible for this new support.
This is help that my constituents very much need. It would put more money back into the pockets of lower-income Canadians who need it to help buy groceries and put gas in their car so they can get to work. I urge my colleagues not to delay in passing this important legislation. Let us deliver help to those who need it the most, and let us do it today.
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