| Informacje o ternen89sf |
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02-09-2020 |
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| Dodatkowe informacje o ternen89sf |
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Under the tension test, every house buyer who wishes to get a home loan from any federally regulated lending institution needs to undergo a test in which the customer's price is evaluated based upon 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 guaranteed by Canada Home Mortgage and Real Estate Corporation, the rate is the optimum of the stress test rate and the current target rate.
This tension test has actually lowered the optimal home mortgage approved amount for all customers in Canada. The stress-test rate regularly increased up until its peak of 5.34% in May 2018 and it was not altered till 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 market in addition to the intro of the first-time home purchaser incentive program (FTHBI) by the Canadian federal government in the 2019 Canadian federal spending plan. https://www.last-bookmarks.win/timeshare-pro |
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