| Informacje o caldis1bem |
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28-08-2020 |
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| Dodatkowe informacje o caldis1bem |
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Under the tension test, every home purchaser who desires to get a mortgage from any federally controlled lender needs to undergo a test in which the borrower's affordability is evaluated based upon a rate that is not lower than a tension rate set by the Bank of Canada. For high-ratio home mortgage (loan to value of more than 80%), which is guaranteed by Canada Home Mortgage and Housing Corporation, the rate is the maximum of the tension test rate and the present target rate.
This stress test has lowered the optimal home loan approved quantity for all customers in Canada. The stress-test rate consistently increased till its peak of 5.34% in May 2018 and it was not altered till July 2019 in which for the very first time in three years it decreased to 5.19%. This choice might show the push-back from the real-estate market as well as the intro of the newbie home buyer reward program (FTHBI) by the Canadian federal government in the 2019 Canadian federal budget plan. http://al-tet.allyoulovetrading.com/index.php?option=com_k2&view=itemlist&task=user&id=161643 |
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