OSFI放宽了自11月21日起对未投保的房主贷款延期的抵押压力测试。 OSFI eases mortgage stress test for uninsured homeowner loan renewals, effective Nov 21.

加拿大的银行监管者OSFI将放松抵押规则,从11月21日起,放宽无保险贷款的房主的抵押规则,这些房主在续签时将银行换台。 Canada's banking regulator, OSFI, will ease mortgage rules for homeowners with uninsured loans who switch banks upon renewal, effective November 21. 借款人不再需要经受压力测试,这种改变的目的是鼓励银行提供更好的利率。 Borrowers will no longer need to undergo a stress test, a change aimed at encouraging banks to offer better rates. 这一决定遵循行业反馈,旨在解决被保险借款人与未保险借款人之间的差异,同时对按揭市场的总体风险影响最小。 This decision follows industry feedback and aims to address discrepancies between insured and uninsured borrowers, while having minimal impact on overall mortgage market risk.

September 25, 2024

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