Sentences with phrase «stress test for»

As you likely are aware, most lenders have been using some form of a stress test for quite some time, wherein buyers were being qualified at a qualifying rate well above their borrowing rate — recently changed from 4.64 % to 4.99 %.

But he noted rising interest rates and coming regulatory changes, including a potential new stress test for borrowers with uninsured mortgages, could impinge on the housing market.

Among the new measures, Ottawa will require a stress test for all new insured mortgages, effective Oct. 17.

These changes, while not dramatically expensive for consumers, compound on a number of other initiatives over the last year to reduce risky borrowing, such as the mortgage stress test for high - ratio buyers, an increase to the required minimum down payments and tighter underwriting for banks.

More notably, in October 2016, OSFI instituted a two - per - cent stress test for all insured mortgages (less than 20 - per - cent deposit) and almost overnight, prices in the GTA condo market shot up by 20 per cent and have not looked back since, leaving a lot of first - time buyers priced out of the market.

The situation is further complicated by new mortgage rules that kicked in Jan. 1, which increase the stress test for those seeking a mortgage to ensure they can handle higher interest rates in the future.

The explosion of interest in Bitcoin was a boon to the market but it also proved to be a massive stress test for exchanges, their servers, infrastructure and payment systems.

A stress test for coal in Europe under the Paris Agreement Marcia Rocha, Niklas Roming, Paola Yanguas Parra, Andrzej Ancygier, Fabio Sferra, Ugur Ural, Michiel Schaeffer, and Bill Hare Climate Analytics February 2017

The game I played was ROM: Extraction which has enemies coming at you from all angles and also encourages you to duck behind cover; additionally the environments are very dark, and there's lots of high - contract particle effects — it's an excellent stress test for the compression as most compression algorithms struggle greatly to delivery high quality imagery in these scenarios.

The goal of the Dragon Ball FighterZ closed beta was to give stress test for the game servers and gather feedback from the players on the gameplay mechanics and its balance for all to be taken into account when the game gets released.

ArenaNet have announced that they will be conducting a stress test for Guild Wars 2 on Monday, May 14th.

series, announced a stress test for their newest title, Orcs Must Die!

In January, Canada's banking regulator implemented a more rigorous stress test for homebuyers, making it more difficult to qualify for a mortgage.

TORONTO — Mortgage brokers say the borrower rejection rate from large banks and traditional monoline mortgage lenders has gone up as much as 20 per cent after Canada's banking regulator imposed a new stress test for home buyers who don't need mortgage insurance.

The rules for federally regulated lenders introduce a stress test for borrowers with a more than 20 per cent down payment to prove that they can service mortgage at a qualifying rate of the greater of the contractual mortgage rate plus two percentage point or the five - year benchmark rate published by the Bank of Canada.

The last five years provided the ultimate financial stress test for mutual funds and investors.

On January 17, 2008, S&P released updated results to its Bond Insurance Stress Test for financial guarantors in light of its revised assumptions for subprime - related exposures.

A new stress test for homebuyers who don't need mortgage insurance will be required starting next year.

Bissada says Home Capital expects higher levels of mortgage renewals going forward to give the company a boost, as borrowers who stick with their current lenders can avoid a new stress test for uninsured mortgages that make it harder for homebuyers to qualify.

As you likely are aware, most lenders have been using some form of a stress test for quite some time, wherein buyers were being qualified at a qualifying rate well above their borrowing rate — recently changed from 4.64 % to 4.99 %.

They include a stress test for home buyers and increasing the eligibility requirements for mortgages to get insured, and they come into effect as early as Oct. 17.

Bumping the car count up to 45 is an excellent stress test for both PS4 and Xbox One.

They also plan to use data from a portable stress test for corals that Palumbi is developing — «like a human treadmill test for cardiac function», he says.

Last week's partial solar eclipse in Europe provided an ideal stress test for the world's most solar - powered country, Germany, and so for the future of solar power itself.

The Newark campaign was the first major stress test for the Conservatives» parliamentary election team.

They would do a stress test for baby and make sure the rate increases by 15 beats per minute and during contractions that baby's heart rate does not go below its baseline rate.

The crisis underscored how important it is to ensure that risk adjusted capital is properly allocated and to effectively stress test for risks.

They include a stress test for home buyers and increasing the eligibility requirements for mortgages to get insured, and they come into effect as early as Oct. 17.

That was followed by a financial stress test for buyers, which officially came into effect on Jan. 1 for federally regulated lenders, following an October announcement by the Office of the Superintendent of Financial Institutions.

Phil Soper, chief executive of real estate company Royal LePage, said the new stress test for uninsured mortgages introduced by the Office of the Superintendent of Financial Institutions has «interrupted» the flow of move - up home buyers looking to upgrade from their entry level home or move to a more desirable location.

Home sales across the country have dropped in the wake of several government policy measures, including a stress test for home buyers with a down payment of more than 20 per cent, that were implemented to cool the country's hot housing market.

Federal Reserve Chair Jerome Powell said during his nomination hearing before the Senate Banking Committee in November 2017 that he would continue to have «meaningful» stress tests for banks in that range.

In October 2016, when the first round of B - 20 implemented stress testing for high - ratio (those paying less than 20 per cent down) borrowers, those fortunate enough to receive down payment gifts from parents that bumped them into the low - ratio category were able to skirt the test altogether.

«PROMISE establishes CTA as a viable alternative to stress testing for the evaluation of patients with suspected coronary disease,» said Udo Hoffmann, M.D., principal investigator of the PROMISE Imaging Core and Professor of Radiology at Harvard Medical School and Director of Cardiovascular Imaging at Massachusetts General Hospital «With the addition of high - risk plaque assessment and CT fractional flow reserve technology on the horizon, we may have yet to see the full potential of CTA.»

Well, I happen to have an iPhone in the lab that is awaiting a battery replacement, and after stress testing it for a few hours I managed to cause a crash.

• Participated in benchmark and stress testing for the entire cloud computing network.

In October 2016, when the first round of B - 20 implemented stress testing for high - ratio (those paying less than 20 per cent down) borrowers, those fortunate enough to receive down payment gifts from parents that bumped them into the low - ratio category were able to skirt the test altogether.

Not exact matches

«I was extremely lucky,» says Curin, whose wake - up call prompted him to start a campaign, The Heart to Sole: Creating a Stress - Free America, to lobby for stress - testing at all companies and to support the American Heart Association's My Stress - Free America, to lobby for stress - testing at all companies and to support the American Heart Association's My stress - testing at all companies and to support the American Heart Association's My Heart.

Stress tests had machines bending the bands in all sorts of terrible positions for days.

Last October, Ottawa increased stress - testing provisions for insured mortgages, but the change may not have had the intended effect.

Anyone considering jumping into real estate for the first time should stress test their decision.

The ensuing years weren't great for Morgan Stanley — its profits have lagged since the financial crisis — but Porat earned plaudits for stabilizing its finances and helping it meet government «stress tests.»

The issue is so pressing in the wake of WannaCry that on May 17 the Securities and Exchange Commission issued a cybersecurity alert for broker - dealers, financial advisors and investment funds that stressed both the importance of undertaking penetration tests and vulnerability scans on critical systems and the necessity of upgrading systems on a timely basis.

Previously, such stress tests weren't required for fixed - rate mortgages longer than five years.

Sure, some of that had to do with Goldman beating earnings expectations, passing its Fed stress test and unexpectedly making a killing trading bonds, but the election likely factored in too, and investors can thank Clinton for that.

As a result, markets will be watching out for the outcome of the stress tests — due in May — to understand what might happen to Greece this summer: if creditors force Athens to request some additional financial and technical support after August.

Floriani from AXIA Ventures Group said in a note that the political uncertainty seen in the past has also simmered down for now and the banks will manage to go through the stress tests without the need for extra capital.

If the stress tests show problems in the banking system, it will be harder for Greece to end the program in the way it wants.

For the study, biologists followed a group of wild chimpanzees for two years, charting their social ties and periodically testing their urine for chemicals that indicate streFor the study, biologists followed a group of wild chimpanzees for two years, charting their social ties and periodically testing their urine for chemicals that indicate strefor two years, charting their social ties and periodically testing their urine for chemicals that indicate strefor chemicals that indicate stress.

It's a relatively trouble - free way of stress - testing a product that Rakuten eventually hopes to use in more crowded urban skies for its delivery business.