Чтобы окупить повышенный риск для банка? Вроде бы это официально подтвержденный факт, что кредитная история напрямую влияет на процент, который банк даст по ипотеке.
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Lenders set the interest rate for your mortgage. They consider factors to help them determine your cost.
These factors can include:
the length of your mortgage term
their current prime and posted interest rate
if you qualify for a discounted interest rate
the type of interest you choose (fixed, variable or a combination)
your credit history
if you’re self-employed
Lenders typically offer higher interest rates when the term length is longer. It’s not always the case.
www.canada.ca/en/financial-consumer-agency/services/mortgages/interest-on-mortgages.html#toc1
