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Under the tension test, every home buyer who desires to get a home mortgage from any federally regulated lending institution ought to undergo a test in which the customer's price is judged based upon a rate that is not lower than a tension rate set by the Bank of Canada. For high-ratio home mortgage (loan to value of more than 80%), which is guaranteed by Canada Home Loan and Real Estate Corporation, the rate is the maximum of the tension test rate and the present target rate.
This tension test has lowered the optimal home loan authorized quantity for all borrowers in Canada. The stress-test rate regularly increased till 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 decision might show the push-back from the real-estate market as well as the intro of the first-time home purchaser reward program (FTHBI) by the Canadian federal government in the 2019 Canadian federal spending plan. https://list.ly/kara-naujlamus-i-cst-a-r |
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