| Informacje o thians2yss |
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02-09-2020 |
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Under the stress test, every home buyer who desires to get a home mortgage from any federally regulated loan provider needs to go through a test in which the borrower's affordability is judged based on 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 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 maximum home mortgage authorized amount for all customers in Canada. The stress-test rate consistently increased up until its peak of 5.34% in Might 2018 and it was not altered till July 2019 in which for the first time in 3 years it reduced to 5.19%. This decision might show the push-back from the real-estate industry along with the intro of the first-time home purchaser incentive program (FTHBI) by the Canadian government in the 2019 Canadian federal budget plan. http://sevastopolkino.ru/user/arthusatmq |
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