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08-28-2020 |
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Under the stress test, every home buyer who wishes to get a home mortgage from any federally controlled lender needs to undergo a test in which the debtor's cost is evaluated based on a rate that is not lower than a stress rate set by the Bank of Canada. For high-ratio home loan (loan to worth of more than 80%), which is guaranteed by Canada Mortgage and Housing Corporation, the rate is the maximum of the tension test rate and the existing target rate.
This tension test has reduced the optimal home loan authorized 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 reduced to 5.19%. This choice might show the push-back from the real-estate industry in addition to the intro of the newbie house purchaser reward program (FTHBI) by the Canadian federal government in the 2019 Canadian federal budget plan. https://trello.com/boisetl25i |
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