So, let me get this right, this is supposed to cool down the housing market because prices have become wildly unaffordable. Yet, they want to implement prohibitive measures against Canadians so they are unable to qualify for a mortgage to purchase a home? To increase the qualifying rate on a couple putting down 20%  or more seems rather excessive. I'm not sure how this measure actually helps young buyers or middle-class Canadians other than putting another unnecessary regulatory obstacle in their way.