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Under the tension test, every house purchaser who wishes to get a mortgage from any federally regulated lending institution must undergo 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 mortgage (loan to value of more than 80%), which is insured by Canada Home Mortgage and Real Estate Corporation, the rate is the maximum of the stress test rate and the existing target rate.
This tension test has reduced the optimal home loan approved quantity for all borrowers in Canada. The stress-test rate regularly increased till its peak of 5.34% in Might 2018 and it was not changed up until July 2019 in which for the first time in 3 years it decreased to 5.19%. This decision may show the push-back from the real-estate market as well as the intro of the first-time home buyer incentive program (FTHBI) by the Canadian government in the 2019 Canadian federal budget. https://www.romeo-bookmarks.win/got-rid-of |
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