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不想看，懒得看，或者看不懂英文的先看我总结如下：
1. 新房贷压力测试10月17号生效
2. 付20%以上首付的贷款原来啥样现在还是啥样，原来能贷多少现在还能贷多少
3. 付20%以下首付的贷款（Insured Mortgage/High-Ratio Mortgage）的人：
10月17号以前：选择5年固定利率，可以按照实际操作利率申请贷款；选其他产品，需要压力测试。
10月17号以后：不管选啥贷款产品都要压力测试。
综上所述：压力测试对于多数华人自住房几乎没有影响，因为（在我眼里）很少有华人自住房会付20%以下首付。影响最大的是靠自己积蓄买房的年轻人和first time home buyer. 还应该包括refinance或者其他手段投资property的人。总之就是只影响首付在20%以下的人。
喜欢较真的请看下面几段英文，特别是highlight的地方。
http://www.bowenislandundercurrent....tgage-stress-test-and-bowen-housing-1.2371306
If you are currently invested in the real estate market, or if you are simply concerned about finding or keeping a roof over your head, you’ve likely heard about the new housing insurance rule changes that come into effect this week.
These changes are aimed at protecting the financial security of Canadians and supporting the long-term stability of the housing market in Canada.
They are meant to respond to the effects of years of low interest rates and changes in the way the market operates.
The Federal Department of Finance has rolled out three new rules relating to this, but only the “mortgage rate stress test to all insured mortgages” (which came into effect on Monday) affects a borrower’s purchasing power. So this is the one I’ll examine today.
An insured mortgage is a mortgage where a borrower has less than a 20 per cent down payment. Before this new rule, clients could qualify for a mortgage using different interest rates depending on the product. For terms less than five years and/or variable rate products, one could qualify at the Bank of Canada’s conventional five-year fixed posted rate (currently 4.64 per cent). If they were to choose a five-year fixed rate product, however, they would be qualified at the contract rate (the rate at which they are actually paying interest). These days, some contract rates for five-year fixed mortgages can be more than a couple of per cents less than the Bank of Canada rate.
The new rule has made the Bank of Canada rate the minimum rate used for qualification calculations, regardless of the product or term. This significantly reduces purchasing power because borrowers will now have to come up with much larger down payments or have higher incomes to qualify for the same mortgage amount.
http://www.ratehub.ca/blog/how-to-stress-test-your-mortgage/
Due to new mortgage rules that came into effect this week, all home buyers getting a high-ratio mortgage (those with a down payment of less than 20% on the purchase price on a home) will now be subject to a mortgage stress test and have to qualify at a rate that’s higher than they actually pay. (Previously, only high-ratio mortgages with a fixed-rate term of less than five years and variable rates were subject to this test). Today’s best mortgage rate in Ontario is 2.29% (as of Oct. 19, 2016), but the Bank of Canada’s qualifying rate is currently 4.64%.
If you’re putting down 20% or more on a home, you don’t have to do this stress test. But you can do your own to see if you’re able to handle an interest rate increase.
1. 新房贷压力测试10月17号生效
2. 付20%以上首付的贷款原来啥样现在还是啥样，原来能贷多少现在还能贷多少
3. 付20%以下首付的贷款（Insured Mortgage/High-Ratio Mortgage）的人：
10月17号以前：选择5年固定利率，可以按照实际操作利率申请贷款；选其他产品，需要压力测试。
10月17号以后：不管选啥贷款产品都要压力测试。
综上所述：压力测试对于多数华人自住房几乎没有影响，因为（在我眼里）很少有华人自住房会付20%以下首付。影响最大的是靠自己积蓄买房的年轻人和first time home buyer. 还应该包括refinance或者其他手段投资property的人。总之就是只影响首付在20%以下的人。
喜欢较真的请看下面几段英文，特别是highlight的地方。
http://www.bowenislandundercurrent....tgage-stress-test-and-bowen-housing-1.2371306
If you are currently invested in the real estate market, or if you are simply concerned about finding or keeping a roof over your head, you’ve likely heard about the new housing insurance rule changes that come into effect this week.
These changes are aimed at protecting the financial security of Canadians and supporting the long-term stability of the housing market in Canada.
They are meant to respond to the effects of years of low interest rates and changes in the way the market operates.
The Federal Department of Finance has rolled out three new rules relating to this, but only the “mortgage rate stress test to all insured mortgages” (which came into effect on Monday) affects a borrower’s purchasing power. So this is the one I’ll examine today.
An insured mortgage is a mortgage where a borrower has less than a 20 per cent down payment. Before this new rule, clients could qualify for a mortgage using different interest rates depending on the product. For terms less than five years and/or variable rate products, one could qualify at the Bank of Canada’s conventional five-year fixed posted rate (currently 4.64 per cent). If they were to choose a five-year fixed rate product, however, they would be qualified at the contract rate (the rate at which they are actually paying interest). These days, some contract rates for five-year fixed mortgages can be more than a couple of per cents less than the Bank of Canada rate.
The new rule has made the Bank of Canada rate the minimum rate used for qualification calculations, regardless of the product or term. This significantly reduces purchasing power because borrowers will now have to come up with much larger down payments or have higher incomes to qualify for the same mortgage amount.
http://www.ratehub.ca/blog/how-to-stress-test-your-mortgage/
Due to new mortgage rules that came into effect this week, all home buyers getting a high-ratio mortgage (those with a down payment of less than 20% on the purchase price on a home) will now be subject to a mortgage stress test and have to qualify at a rate that’s higher than they actually pay. (Previously, only high-ratio mortgages with a fixed-rate term of less than five years and variable rates were subject to this test). Today’s best mortgage rate in Ontario is 2.29% (as of Oct. 19, 2016), but the Bank of Canada’s qualifying rate is currently 4.64%.
If you’re putting down 20% or more on a home, you don’t have to do this stress test. But you can do your own to see if you’re able to handle an interest rate increase.
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