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Just how much increasing demand will probably be cooled by new, tougher mortgage qualifications could prove the clincher concerning whether 2018 is available in below or above 2017 for https://www.youtube.com/watch?v=qMwAYgjXLUM sales. She would then be responsible for paying your son half of the condo's FMV. The revision to the stress test requirement is meant to dampen incentives to adopt variable or shorter-term set rate mortgages, RBC said in its note. OTTAWA, (Reuters) - Household credit in Canada keeps growing faster than income as well as the tightening of mortgage rules will likely carry on and push borrowers to alternative lenders, including lending institution and private banks, the Bank of Canada said on Tuesday.