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Under the stress test, every home purchaser who wishes to get a home mortgage from any federally managed lender needs to undergo a test in which the debtor's cost 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 worth of more than 80%), which is guaranteed by Canada Home Mortgage and Housing Corporation, the rate is the maximum of the stress test rate and the present target rate.
This tension test has lowered the maximum mortgage approved amount for all customers in Canada. The stress-test rate regularly increased until its peak of 5.34% in May 2018 and it was not changed until July 2019 in which for the very 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 newbie house purchaser reward program (FTHBI) by the Canadian government in the 2019 Canadian federal budget. http://xn--d1abamebfd0avbpdfcx6e.xn--p1ai/user/bilbukhp4z |
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