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Under the stress test, every home buyer who wishes to get a mortgage from any federally managed lending institution needs to go through a test in which the debtor'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 home mortgage (loan to value of more than 80%), which is insured by Canada Mortgage and Real Estate Corporation, the rate is the maximum of the tension test rate and the existing target rate.
This stress test has reduced the optimal mortgage authorized amount for all borrowers in Canada. The stress-test rate consistently increased up until its peak of 5.34% in Might 2018 and it was not altered 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 industry in addition to the introduction of the newbie house buyer reward program (FTHBI) by the Canadian federal government in the 2019 Canadian federal budget plan. https://www.addpoll.com/brennaee4c |
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