Moussa real estate Group
7145 W Credit Ave L5N 6J7 Milton, ON, Canada

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Stress Test - effective June 1st Office of Superintendent of Financial Institutions (OSFI) confirmed that Stress Test on all Conventional Mortgages with 20% down or more will be 5.25% or 2% plus contract rate(whichever is higher) effective June 1st, 2021. Deputy Prime Minister, Chrystia Freeland, issued a statement on Stress Test that insured mortgages are also being aligned with uninsured mortgages means: All mortgages, high-ratio or uninsured will be qualified at 5.25% or c...ontract rate plus 2% whichever is higher Deals submitted before June 1st will have old stress test of 4.79% This change will apply to both insured and uninsured mortgages and is expected to reduce the buying power by between 4% and 5%. It is estimated that 1 in 5 homebuyers could be affected by this new qualification requirement. See more

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