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Under the stress test, every house purchaser who wishes to get a mortgage from any federally regulated lender ought to go through a test in which the borrower's cost 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 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 current target rate.
This tension test has decreased the optimal home loan approved amount for all customers 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 choice might reflect the push-back from the real-estate industry along with the introduction of the first-time home buyer reward program (FTHBI) by the Canadian government in the 2019 Canadian federal budget plan. https://www.kiva.org/lender/leonida8266 |
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