Canada’s Bank Regulator Confirms Mortgage Stress Test Will Stay at Same Rate

[Epoch-Times-Bot]

Canada's Bank Regulator Confirms Mortgage Stress Test Will Stay at Same Rate

Canada's Superintendent of Financial Institutions announced Thursday that the stress test rate for mortgage applications will remain the same after his annual review.
The minimum qualifying rate (MQR), also known as the stress test, will remain at whichever is greater—the mortgage contract rate plus a 2 percent buffer, or 5.25 percent. So, if a mortgage contract rate is 6.45 percent—the current prime rate in Canada—lenders regulated by the government must ensure borrowers could pay their bills at a rate of 8.45 percent.
At the announcement, Superintendent Peter Routledge was asked by a reporter if he thought this might drive borrowers to alternative lenders. That could mean higher interest rates for them and greater risk....

Source: Canada's Bank Regulator Confirms Mortgage Stress Test Will Stay at Same Rate

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