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Under the stress test, every home buyer who wishes to get a home loan from any federally managed loan provider should go through a test in which the customer'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 guaranteed by Canada Home Mortgage and Housing Corporation, the rate is the maximum of the stress test rate and the present target rate.
This stress test has actually reduced the optimal home loan authorized quantity 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 changed until July 2019 in which for the very 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 introduction of the newbie home buyer incentive program (FTHBI) by the Canadian government in the 2019 Canadian federal spending plan. https://nxlv.ru/user/ambiocjgg3 |
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