| Informacje o adeneu7zsz |
| Dołączył: |
02-09-2020 |
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| Dodatkowe informacje o adeneu7zsz |
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Male |
| Bio: |
Under the tension test, every house buyer who wants to get a mortgage from any federally managed lending institution should go through a test in which the debtor'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 loan (loan to value of more than 80%), which is insured by Canada Home Loan and Housing Corporation, the rate is the maximum of the stress test rate and the existing target rate.
This stress test has decreased the optimal home mortgage authorized amount for all debtors in Canada. The stress-test rate regularly increased until its peak of 5.34% in May 2018 and it was not altered up until 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 industry as well as the introduction of the newbie house purchaser reward program (FTHBI) by the Canadian federal government in the 2019 Canadian federal budget. http://suninfotechnology.com/demo/index.php?option=com_k2&view=itemlist&task=user&id=119845 |
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