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28-08-2020 |
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Under the tension test, every house buyer who wishes to get a home mortgage from any federally managed lender needs to undergo a test in which the customer's price is evaluated based upon a rate that is not lower than a tension rate set by the Bank of Canada. For high-ratio home loan (loan to worth of more than 80%), which is insured by Canada Home Mortgage and Housing Corporation, the rate is the maximum of the stress test rate and the existing target rate.
This stress test has decreased the maximum home loan authorized quantity for all debtors in Canada. The stress-test rate regularly increased until its peak of 5.34% in May 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 decision may show the push-back from the real-estate industry as well as the introduction of the novice home buyer reward program (FTHBI) by the Canadian federal government in the 2019 Canadian federal spending plan. http://elrace.com/en?option=com_k2&view=itemlist&task=user&id=348674 |
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