Mohsin and Rozina A. are siblings living in Vancouver. They earn $55,000 and $65,000 respectively and bought an apartment together two years ago. Their personal situations have changed recently, so they sold the apartment. Mohsin had already entered into a pre-sale contract, completing in 12 months, only to find out that he does not qualify under the new requirements with 10 per cent down. This is due to the stress test requirements. This now puts his plans to buy a new place up in the air.