| Informacje o samirigkhk |
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28-08-2020 |
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Under the tension test, every house buyer who wants to get a home loan from any federally regulated lender must undergo a test in which the customer's price is evaluated based on a rate that is not lower than a stress rate set by the Bank of Canada. For high-ratio mortgage (loan to worth of more than 80%), which is insured by Canada Mortgage and Real Estate Corporation, the rate is the optimum of the tension test rate and the existing target rate.
This tension test has actually decreased the optimal home loan approved amount for all borrowers in Canada. The stress-test rate consistently increased until its peak of 5.34% in May 2018 and it was not altered up until July 2019 in which for the first time in 3 years it reduced to 5.19%. This decision may reflect the push-back from the real-estate market as well as the intro of the novice home buyer reward program (FTHBI) by the Canadian government in the 2019 Canadian federal budget. https://www.turnkeylinux.org/user/1314420 |
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