Real estate industry had been lobbying heavily

Real estate industry had been lobbying heavily for some last minute changes and OSFI said it received more than 200 submissions from federally regulated financial institutions, financial industry associations, other organizations active in the mortgage market, as well as the general public.A report from Toronto Dominion Bank said the stress test will likely further slow housing activity, depressing demand by five per cent to 10 per cent once implemented on Jan. 1, 2018.The amortization change could mitigate the impact.Assuming you making $60,000 a year, have no debt and 20 per cent down, based on a stress test of the contract rate plus 200 basis points, consumers now qualify for 18 per cent less loan, said McLister. 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