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Under the stress test, every house buyer who wishes to get a home loan from any federally controlled loan provider must undergo a test in which the borrower's affordability 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 existing target rate.
This tension test has lowered the maximum home loan approved quantity for all debtors in Canada. The stress-test rate consistently increased until its peak of 5.34% in May 2018 and it was not changed till July 2019 in which for the very first time in 3 years it reduced to 5.19%. This decision may show the push-back from the real-estate industry as well as the intro of the novice house purchaser reward program (FTHBI) by the Canadian federal government in the 2019 Canadian federal spending plan. http://gam-cherkessk.ru/user/celeen1s34 |
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