| Informacje o glassa1rf1 |
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01-09-2020 |
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Under the stress test, every home buyer who wants to get a home loan from any federally managed loan provider must undergo a test in which the debtor's affordability is judged based on a rate that is not lower than a stress rate set by the Bank of Canada. For high-ratio mortgage (loan to value of more than 80%), which is insured by Canada Mortgage and Housing Corporation, the rate is the optimum of the tension test rate and the present target rate.
This tension test has actually lowered the optimal mortgage approved amount for all debtors in Canada. The stress-test rate regularly increased up until its peak of 5.34% in Might 2018 and it was not changed until July 2019 in which for the very first time in 3 years it decreased to 5.19%. This choice may reflect the push-back from the real-estate market along with the introduction of the novice house purchaser reward program (FTHBI) by the Canadian government in the 2019 Canadian federal spending plan. https://www.paste-bookmarks.win/i-want-to-sell-my-timeshare-with-no-upfront-fees |
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