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January Realty News 5
новые Правила ...Но есть
и хорошие
mortgage
новости
С 1 января вступили в силу процентов или более теперь
новые правила в соответсвии столкнутся с стресс-тестом
с которыми, если вы New rules by Canada’s federal #1 The Office of the Superintendent of Fi-
получаете новую ипотеку или financial regulator announced in nancial Institutions (OSFI) rules only apply
рефинансируете прежнюю October mean that even bor- to federally regulated financial institutions,
вам возможно прийдется rowers with a down payment meaning Canadians might be able to continue
‘доказать’, что в случае of 20 per cent or more will now borrowing without a stress test if they turn to
необходимости вы сможете face a stress test, as has been the
справится с процентными case since January of 2017, for provincially-regulated credit unions.
ставками, значительно applicants with smaller down
превышающими их их payments who require mortgage
первоначальную, то есть insurance. #2 If you are pre- The same holds for
контрактную ставку. approved for a mort- mortgage refinancing.
Some 10 per cent of Canadians gage, some lenders If you had a mortgage
Новые правила федерального who got an uninsured mortgage will give you 120 days refinance commitment
финансового регулятора between mid-2016 and mid- in place by Dec. 31,
Канады, объявленные в 2017 would not have qualified starting Jan. 1 to buy
октябре, означают, что даже under the new standards, a your new home with- you have 120 days as
заемщики с первоначальным recent analysis by the Bank of out worrying about well
взносом в размере 20 Canada suggested. the new rules.
To put a number on it, Here’s how the new guidelines benchmark rate (currently
the rules will likely affect might affect you: 4.99 per cent) or their contrac-
about 100,000 homebuy- If you’re planning to buy a tual rate plus two percentage
ers, who would qualify for a house with a downpayment of points.
20 per cent or more next year
mortgage for their preferred If you’re going be house-hunt-
house today but will likely fail The stress test means that ing next year, this may force
the stress test for an equally financial institutions will vet you to settle for a less expen-
large loan in 2018, according your mortgage application by sive home than you would
to a report published by Mort- using a minimum qualifying be able to buy today. Or, you
gage Professionals Canada, an rate equal to the greater of the might have to wait and save
industry group. Bank of Canada’s five-year up for a larger down payment.
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