The banks insure the rest of their portfolios with the CMHC, which keeps them honest by applying strict standards to the mortgages they guarantee.

• 而银行和CMHC一起为按揭者的剩余组合资产提供保险。人们获得的按揭贷款遵循了严格的标准，这使得加拿大人诚肯踏实。