{"id":477,"date":"2024-05-09T10:00:00","date_gmt":"2024-05-09T10:00:00","guid":{"rendered":"https:\/\/www.narumenon.com\/blog\/?p=477"},"modified":"2024-05-09T10:00:00","modified_gmt":"2024-05-09T10:00:00","slug":"mortgage-stress-tests-cause-more-harm-than-good-heres-how-to-fix-them","status":"publish","type":"post","link":"https:\/\/www.narumenon.com\/blog\/2024\/05\/mortgage-stress-tests-cause-more-harm-than-good-heres-how-to-fix-them\/","title":{"rendered":"Mortgage stress tests cause more harm than good. Here&#8217;s how to fix them"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Mortgage stress tests are causing harm by preventing Canadians from making housing choices they believe are best. The tests fail to consider income growth, a crucial factor in borrowers&#039; ability to afford payments. Changes in mortgage regulations since 2012 have significantly impacted home buying, leading to disappointment for many middle-class Canadians.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.theglobeandmail.com\/investing\/personal-finance\/household-finances\/article-mortgage-stress-tests-cause-more-harm-than-good-heres-how-to-fix-them\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage stress tests are causing harm by preventing Canadians from making housing choices they believe are best. The tests fail to consider income growth, a crucial factor in borrowers&#039; ability to afford payments. Changes in mortgage regulations since 2012 have significantly impacted home buying, leading to disappointment for many middle-class Canadians. Continue to full article<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-477","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/posts\/477","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/comments?post=477"}],"version-history":[{"count":1,"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/posts\/477\/revisions"}],"predecessor-version":[{"id":479,"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/posts\/477\/revisions\/479"}],"wp:attachment":[{"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/media?parent=477"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/categories?post=477"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.narumenon.com\/blog\/wp-json\/wp\/v2\/tags?post=477"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}