Another key driver in 2019 will be the looming shadow of Bill B 20, imposed in early 2018 by the Office of the Superintendent of Financial Institutions. The test required banks to assess people ability to pay assuming interests were either two per cent higher, or greater than the five year benchmark rate published by the Bank of Canada. Royal LePage and PricewaterhouseCoopers predict the stress test will continue to weigh on the markets in 2019..
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