住房参考
房贷资格规则
用于房贷资格计算器的压力测试下限、合格利率缓冲、GDS、TDS 和贷款机构差异说明。
链接 CMHC / FCAC / OSFI 来源年度来源核查
当前摘要
资格判断参考点
压力测试下限5.25%
压力测试缓冲2 percentage points
GDS 参考值39%
TDS 参考值44%
背景
这一参考页的含义
房贷资格计算通常使用合格利率，将住房成本和债务成本与收入进行比较。在适用压力测试时，使用的合格利率可能高于合同利率。贷款机构、保险机构、贷款产品、信用状况、续约、房产类型和审批规则，都可能与这里列出的简化参考值不同。
参考表
房贷资格参考值
| 项目 | 规则或基础 | 数值 | 说明 |
|---|---|---|---|
| Minimum qualifying-rate floor | Stress-test comparison floor | 5.25% | Current OSFI minimum qualifying-rate floor and FCAC stress-test benchmark. Actual lender or insurer policy can differ. |
| Stress-test buffer | Contract rate plus buffer | 2 percentage points | The qualifying rate is commonly modelled as the greater of the floor and the contract rate plus this buffer. |
| Qualifying-rate calculation | Stress-test comparison | Greater of floor or contract rate plus buffer | CMHC, FCAC, and OSFI sources use this comparison for the stress-test rate described here. |
| GDS benchmark | Gross debt service ratio | 39% | CMHC-style benchmark for housing costs compared with gross income. Lender and insurer rules can differ. |
| TDS benchmark | Total debt service ratio | 44% | CMHC-style benchmark for housing plus other debts compared with gross income. Lender and insurer rules can differ. |
| GDS included costs | Housing-cost ratio inputs | Principal, interest, taxes, heat, and applicable condo or site costs | FCAC and CMHC describe housing costs as including mortgage payments, property taxes, heating costs, and 50% of condo fees where applicable. |
| TDS included costs | Housing plus other debts | GDS costs plus other debt obligations | Other debts can include credit cards, car loans, lines of credit, student loans, support payments, and other debt payments. |
| Uninsured straight switches | OSFI renewal exception context | May not require the MQR when no loan amount or amortization increase occurs | OSFI states it does not expect lenders to apply the minimum qualifying rate to uninsured straight switches at renewal when there is no increase to loan amount or amortization. |
| Same-year dollars | Timing convention | Same purchase year | Home price, income, debts, taxes, heating, condo fees, and mortgage assumptions should be entered for the same purchase date or scenario year. |
说明和假设
本参考页的房贷资格说明与对应的来源数值一起维护。
官方来源