{"id":604,"date":"2026-04-09T15:00:00","date_gmt":"2026-04-09T15:00:00","guid":{"rendered":"https:\/\/www.kbhanna.com\/blog\/?p=604"},"modified":"2026-04-09T15:00:00","modified_gmt":"2026-04-09T15:00:00","slug":"osfi-pressures-banks-as-condo-appraisals-reset","status":"publish","type":"post","link":"https:\/\/www.kbhanna.com\/blog\/2026\/04\/osfi-pressures-banks-as-condo-appraisals-reset\/","title":{"rendered":"OSFI Pressures Banks as Condo Appraisals Reset"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/kyle-hanna-prec\/canada-condos-pre-construction\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Slide 1<br \/>\nCanada\u2019s banking watchdog flagged risks in pre-construction condo appraisals potentially breaching 80% loan-to-value mortgage rules.<\/p>\n<p>Slide 2<br \/>\nBlanket appraisals worked during rising prices but create challenges as condo markets soften.<\/p>\n<p>Slide 3<br \/>\nPre-construction condo prices dropped 10\u201330% from 2022 peaks, increasing valuation risks at closing.<\/p>\n<p>Slide 4<br \/>\nRegulatory scrutiny encourages stronger valuation practices, supporting more stable mortgage lending decisions.<\/p>\n<p>Slide 5<br \/>\nExperienced brokers help buyers navigate shifting rules, identify value opportunities, and secure compliant financing.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Slide 1 Canada\u2019s banking watchdog flagged risks in pre-construction condo appraisals potentially breaching 80% loan-to-value mortgage rules. Slide 2 Blanket appraisals worked during rising prices but create challenges as condo markets soften. Slide 3 Pre-construction condo prices dropped 10\u201330% from 2022 peaks, increasing valuation risks at closing. Slide 4 Regulatory scrutiny encourages stronger valuation practices, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":605,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-604","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/posts\/604","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/comments?post=604"}],"version-history":[{"count":1,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/posts\/604\/revisions"}],"predecessor-version":[{"id":606,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/posts\/604\/revisions\/606"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/media\/605"}],"wp:attachment":[{"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/media?parent=604"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/categories?post=604"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kbhanna.com\/blog\/wp-json\/wp\/v2\/tags?post=604"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}