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28-08-2020 |
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Under the stress test, every home purchaser who desires to get a home loan from any federally controlled lender ought to go through a test in which the borrower's cost is judged based on 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 Mortgage and Housing Corporation, the rate is the maximum of the tension test rate and the current target rate.
This tension test has decreased the maximum mortgage approved amount for all borrowers in Canada. The stress-test rate consistently increased until its peak of 5.34% in Might 2018 and it was not changed till July 2019 in which for the very first time in 3 years it decreased to 5.19%. This choice might reflect the push-back from the real-estate market in addition to the intro of the first-time home buyer reward program (FTHBI) by the Canadian federal government in the 2019 Canadian federal budget plan. https://www.runway-bookmarks.win/timeshare-relief-companies |
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