Wondering about Canada’s new mortgage rules and accompanying stress test in 2018? How does it impact your ability to buy a home? Watch this video as we review the new rules, explain the stress test and discuss the future of mortgage rates.
In 2016, CMHC tested its mortgage loan insurance and securitization businesses against several extreme scenarios including: global economic deflation. Sustained low oil price shock. High-magnitude earthquake. Reverse stress test. U.S. style housing correction.
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OSFI Unveils New Stress-Test Rules. Canada’s banking regulator today unveiled the final changes to its mortgage underwriting standards-Guideline B-20-that will further tighten lending standards and affect borrowers and lenders alike. The most wide-reaching change announced by the Office of the Superintendent of Financial Institutions (OSFI).
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