elwinn19f9
()


Data rejestracji: 28-08-2020
Data urodzenia: January 1
Czas lokalny: 29-03-2024, godzina 09:01
Status: (ukryte)

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Dołączył: 28-08-2020
Ostatnia wizyta: (ukryte)
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Strona domowa: https://www.mixcloud.com/ephardks4q/
  
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Bio: Under the stress test, every house purchaser who wants to get a home mortgage from any federally managed loan provider ought to undergo a test in which the customer's affordability is evaluated based on a rate that is not lower than a stress rate set by the Bank of Canada. For high-ratio home loan (loan to value of more than 80%), which is guaranteed by Canada Home Mortgage and Real Estate Corporation, the rate is the maximum of the tension test rate and the existing target rate.

This stress test has reduced the maximum mortgage authorized amount for all customers in Canada. The stress-test rate regularly increased until its peak of 5.34% in Might 2018 and it was not changed until July 2019 in which for the first time in 3 years it reduced to 5.19%. This choice may show the push-back from the real-estate market as well as the intro of the first-time home buyer incentive program (FTHBI) by the Canadian federal government in the 2019 Canadian federal budget. https://www.mixcloud.com/ephardks4q/