{"id":9367,"date":"2017-01-17T12:20:58","date_gmt":"2017-01-17T17:20:58","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=9367"},"modified":"2017-01-19T12:41:10","modified_gmt":"2017-01-19T17:41:10","slug":"cmhc-mortgage-insurance-hikes-to-come-in-march","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/","title":{"rendered":"CMHC Mortgage Insurance Hikes to Come in March"},"content":{"rendered":"

Planning to make a smaller down payment on your home? A new rule is on the way that will squeeze your wallet even further. The Canada Mortgage and Housing Corporation (CMHC) announced today that it is hiking homeowner mortgage loan insurance premiums for mortgages taken out on or after March 17.<\/p>\n

It\u2019s the third time in three years the Crown Corporation has increased insurance premiums, hiking them by approximately 15% in May 2014, and by another 15% for those paying less than 10% down in June 2015.<\/p>\n

This most recent change will impact premiums for all high-ratio (less than 20% down) buyers as well as specific circumstances for those paying 25% down.<\/p>\n

Update: Private mortgage insurer Genworth has since matched the CMHC premium increases. Canada Guaranty, Canada’s third\u00a0private insurer, states it is still reviewing and studying the changes before taking action.<\/strong><\/p>\n

Related Read: How to Save For a Down Payment Under the New Mortgage Rules<\/a><\/strong><\/p>\n

Mortgage Insurance Premium Changes<\/h3>\n\n\n\n\n\n\n\n\n\n\n
Loan to Value Ratio<\/strong><\/td>\nStandard Premium (Current)<\/strong><\/td>\nStandard Premium effective
\nMarch 17, 2017<\/strong><\/td>\n<\/tr>\n
Up to and including 65%<\/td>\n0.60%<\/td>\n0.60%<\/td>\n<\/tr>\n
Up to and including 75%<\/td>\n0.75%<\/td>\n1.70%<\/td>\n<\/tr>\n
Up to and including 80%<\/td>\n1.25%<\/td>\n2.40%<\/td>\n<\/tr>\n
Up to and including 85%<\/td>\n1.80%<\/td>\n2.80%<\/td>\n<\/tr>\n
Up to and including 90%<\/td>\n2.40%<\/td>\n3.10%<\/td>\n<\/tr>\n
Up to and including 95%<\/td>\n3.60%<\/td>\n4.00%<\/td>\n<\/tr>\n
90.01% to 95% – Non-Traditional Down Payment<\/td>\n3.85%<\/td>\n4.50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0What Does This Mean for Your Mortgage Payments?<\/h2>\n

Unlike the mortgage stress test<\/a> introduced last November, this won\u2019t impact your ability to qualify for a mortgage, but it does mean your monthly payments will be slightly higher \u2013 by about $5 for the average homeowner, estimates the CMHC. \u201cWe do not expect the higher premiums to have a significant impact on the ability of Canadians to buy a home,\u201d stated Steven Mennill, CMHC\u2019s senior vice president of Insurance. \u201cOverall, the changes will preserve competition in the mortgage industry and contribute to financial stability.\u201d<\/p>\n

This sentiment is echoed by James Laird, president and co-founder of mortgage brokerage Canwise Financial, who says it pales in comparison to the drastic mortgage changes introduced last year. \u201cThe increase in premiums for high-ratio mortgages will have a minor effect on the average Canadian,\u201d he says. \u201cRelative to rule changes that were implemented in late 2016, this is not a major change.\u201d<\/p>\n

He adds that because mortgage insurance is calculated and applied after the mortgage has been granted, it won\u2019t hurt homebuyer\u2019s qualification prospects. \u201c\u2026 These premiums are added onto the mortgage and paid off over the life of the mortgage, so the cash required on closing doesn\u2019t change. This change specifically will not impact the borrowing habits for the majority of high-ratio clients.\u201d<\/p>\n

Prepare to Pay Thousands More Over Your Mortgage\u2019s Lifetime<\/h2>\n

However, just because it\u2019s a small monthly hit doesn\u2019t mean homeowners aren\u2019t under more financial pressure. According to calculations by Ratehub.ca<\/a>, homeowners will have to shell out a few thousand more over their mortgage\u2019s amortization \u2013 while it\u2019s doled out in small increments, that\u2019s hardly chump change.<\/p>\n

According to Ratehub:<\/strong><\/p>\n

\u201cBased on the average Toronto home price of $730,472 (according to CREA) with a minimum down payment of 6.6% (or $48,047) the current premium is 3.60% of the mortgage amount (purchase price less down payment). For that mortgage amount of $682,425, the CMHC premium is $24,567.<\/p>\n

\u201cWith the new premium at 4.00% of mortgage amount, the CMHC premium becomes $27,297\u2013an increase of $2,730. This translates to a mortgage payment increase of approximately $12 per month (based on today’s best rate of 2.44%, amortized over 25 years).\u201d<\/p>\n

Why Is CMHC Increasing Premiums?<\/h2>\n

The Canadian government has been looking to reduce both risky borrowing behaviour and the amount of default exposure facing lenders and the CMHC \u2013 it\u2019s a layer of protection should an economic downturn force homeowners to stop paying their mortgages. The Office of the Superintendent of Financial Institutions (OSFI) passed rules late last year that require lenders to have more mortgage capital in their coffers. This change will help dissuade borrowers from making the smallest payments possible, and buyers to save for larger down payments for their home purchases.<\/p>\n

Are More Mortgage Changes Coming?<\/h2>\n

Well \u2013 yes and no. Bill Morneau, the Liberal Minister of Finance, said to reporters earlier this week that the government isn\u2019t currently mulling over new rules. \u201cWe continue to monitor the housing market and to make sure that the risks are appropriate for the market. We don\u2019t have any measures under consideration at this stage, but we will continue to monitor to ensure that the housing market is stable and that people are protected in their important investment.\u201d<\/p>\n

However, we do know that a proposal to have lenders shoulder more financial risk is currently being reviewed. As Zoocasa stated in our Top 6 2017 Real Estate Predictions<\/a>:<\/p>\n

A proposal to have the banks shoulder more risk for defaulting mortgages could also cramp their pocketbooks. While the plan is currently being reviewed by the industry, lenders may be on the hook for 5 \u2013 10% of costs for mortgages that fall through in 2017, a change that will surely be reflected in consumer rates.<\/em><\/p>\n

It remains to be seen when and to what extent these changes will occur, so be sure to check back for our ongoing coverage!<\/p>\n","protected":false},"excerpt":{"rendered":"

Planning to make a smaller down payment on your home? A new rule is on the way that will squeeze your wallet even further. The Canada Mortgage and Housing Corporation (CMHC) announced today that it is hiking homeowner mortgage loan insurance premiums for mortgages taken out on or after March 17. It\u2019s the third time […]<\/p>\n","protected":false},"author":39,"featured_media":9368,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"footnotes":""},"categories":[468,33],"tags":[],"class_list":["post-9367","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages-2","category-real-estate-news"],"yoast_head":"\nCMHC Mortgage Insurance Hikes to Come in March | Zoocasa Life<\/title>\n<meta name=\"description\" content=\"Prepare your wallets, homebuyers - there are more CMHC mortgage insurance hikes to come into effect on March 17 of this year.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CMHC Mortgage Insurance Hikes to Come in March | Zoocasa Life\" \/>\n<meta property=\"og:description\" content=\"Prepare your wallets, homebuyers - there are more CMHC mortgage insurance hikes to come into effect on March 17 of this year.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/\" \/>\n<meta property=\"og:site_name\" content=\"Zoocasa Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Zoocasa\" \/>\n<meta property=\"article:published_time\" content=\"2017-01-17T17:20:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-01-19T17:41:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2017\/01\/CMHC-Mortgage-Insurance-Hikes.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"504\" \/>\n\t<meta property=\"og:image:height\" content=\"341\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Penelope Graham\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:site\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Penelope Graham\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/\"},\"author\":{\"name\":\"Penelope Graham\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/9a2554dc39c550f5ef3339b25aa1f09c\"},\"headline\":\"CMHC Mortgage Insurance Hikes to Come in March\",\"datePublished\":\"2017-01-17T17:20:58+00:00\",\"dateModified\":\"2017-01-19T17:41:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/\"},\"wordCount\":845,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#organization\"},\"articleSection\":[\"Mortgages\",\"Real Estate News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/\",\"url\":\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/\",\"name\":\"CMHC Mortgage Insurance Hikes to Come in March | Zoocasa Life\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#website\"},\"datePublished\":\"2017-01-17T17:20:58+00:00\",\"dateModified\":\"2017-01-19T17:41:10+00:00\",\"description\":\"Prepare your wallets, homebuyers - there are more CMHC mortgage insurance hikes to come into effect on March 17 of this year.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.zoocasa.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"CMHC Mortgage Insurance Hikes to Come in March\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#website\",\"url\":\"https:\/\/www.zoocasa.com\/blog\/\",\"name\":\"Zoocasa Blog\",\"description\":\"Home Buying & Selling Tips, Real Estate Market Trends & News\",\"publisher\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.zoocasa.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#organization\",\"name\":\"Zoocasa\",\"url\":\"https:\/\/www.zoocasa.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2020\/09\/zoocasa-square-logo-800x800px.png\",\"contentUrl\":\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2020\/09\/zoocasa-square-logo-800x800px.png\",\"width\":800,\"height\":800,\"caption\":\"Zoocasa\"},\"image\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Zoocasa\",\"https:\/\/twitter.com\/Zoocasa\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/9a2554dc39c550f5ef3339b25aa1f09c\",\"name\":\"Penelope Graham\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b876eeae4e4052e9779a93235f93eeaf79772e0fca6f90c1e13a1143a4c748d9?s=96&d=blank&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b876eeae4e4052e9779a93235f93eeaf79772e0fca6f90c1e13a1143a4c748d9?s=96&d=blank&r=g\",\"caption\":\"Penelope Graham\"},\"description\":\"Penelope Graham is the Managing Editor at Zoocasa, and has over a decade of experience covering real estate, mortgage, and personal finance topics. Her commentary on the housing market is frequently featured on both national and local media outlets including BNN Bloomberg, CBC, The Toronto Star, National Post, and The Huffington Post. When not keeping an eye on Toronto's hot housing market, she can be found brunching in one of the city's many vibrant neighbourhoods, travelling abroad, or in the dance studio.\",\"url\":\"https:\/\/www.zoocasa.com\/blog\/author\/penelope\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"CMHC Mortgage Insurance Hikes to Come in March | Zoocasa Life","description":"Prepare your wallets, homebuyers - there are more CMHC mortgage insurance hikes to come into effect on March 17 of this year.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/","og_locale":"en_US","og_type":"article","og_title":"CMHC Mortgage Insurance Hikes to Come in March | Zoocasa Life","og_description":"Prepare your wallets, homebuyers - there are more CMHC mortgage insurance hikes to come into effect on March 17 of this year.","og_url":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/","og_site_name":"Zoocasa Blog","article_publisher":"https:\/\/www.facebook.com\/Zoocasa","article_published_time":"2017-01-17T17:20:58+00:00","article_modified_time":"2017-01-19T17:41:10+00:00","og_image":[{"width":504,"height":341,"url":"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2017\/01\/CMHC-Mortgage-Insurance-Hikes.jpg","type":"image\/jpeg"}],"author":"Penelope Graham","twitter_card":"summary_large_image","twitter_creator":"@Zoocasa","twitter_site":"@Zoocasa","twitter_misc":{"Written by":"Penelope Graham","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/#article","isPartOf":{"@id":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/"},"author":{"name":"Penelope Graham","@id":"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/9a2554dc39c550f5ef3339b25aa1f09c"},"headline":"CMHC Mortgage Insurance Hikes to Come in March","datePublished":"2017-01-17T17:20:58+00:00","dateModified":"2017-01-19T17:41:10+00:00","mainEntityOfPage":{"@id":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/"},"wordCount":845,"commentCount":2,"publisher":{"@id":"https:\/\/www.zoocasa.com\/blog\/#organization"},"articleSection":["Mortgages","Real Estate News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/","url":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/","name":"CMHC Mortgage Insurance Hikes to Come in March | Zoocasa Life","isPartOf":{"@id":"https:\/\/www.zoocasa.com\/blog\/#website"},"datePublished":"2017-01-17T17:20:58+00:00","dateModified":"2017-01-19T17:41:10+00:00","description":"Prepare your wallets, homebuyers - there are more CMHC mortgage insurance hikes to come into effect on March 17 of this year.","breadcrumb":{"@id":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.zoocasa.com\/blog\/cmhc-mortgage-insurance-hikes-to-come-in-march\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.zoocasa.com\/blog\/"},{"@type":"ListItem","position":2,"name":"CMHC Mortgage Insurance Hikes to Come in March"}]},{"@type":"WebSite","@id":"https:\/\/www.zoocasa.com\/blog\/#website","url":"https:\/\/www.zoocasa.com\/blog\/","name":"Zoocasa Blog","description":"Home Buying & Selling Tips, Real Estate Market Trends & News","publisher":{"@id":"https:\/\/www.zoocasa.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.zoocasa.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.zoocasa.com\/blog\/#organization","name":"Zoocasa","url":"https:\/\/www.zoocasa.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zoocasa.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2020\/09\/zoocasa-square-logo-800x800px.png","contentUrl":"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2020\/09\/zoocasa-square-logo-800x800px.png","width":800,"height":800,"caption":"Zoocasa"},"image":{"@id":"https:\/\/www.zoocasa.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Zoocasa","https:\/\/twitter.com\/Zoocasa"]},{"@type":"Person","@id":"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/9a2554dc39c550f5ef3339b25aa1f09c","name":"Penelope Graham","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b876eeae4e4052e9779a93235f93eeaf79772e0fca6f90c1e13a1143a4c748d9?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b876eeae4e4052e9779a93235f93eeaf79772e0fca6f90c1e13a1143a4c748d9?s=96&d=blank&r=g","caption":"Penelope Graham"},"description":"Penelope Graham is the Managing Editor at Zoocasa, and has over a decade of experience covering real estate, mortgage, and personal finance topics. Her commentary on the housing market is frequently featured on both national and local media outlets including BNN Bloomberg, CBC, The Toronto Star, National Post, and The Huffington Post. When not keeping an eye on Toronto's hot housing market, she can be found brunching in one of the city's many vibrant neighbourhoods, travelling abroad, or in the dance studio.","url":"https:\/\/www.zoocasa.com\/blog\/author\/penelope\/"}]}},"_links":{"self":[{"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/posts\/9367","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/comments?post=9367"}],"version-history":[{"count":0,"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/posts\/9367\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/media\/9368"}],"wp:attachment":[{"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/media?parent=9367"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/categories?post=9367"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zoocasa.com\/blog\/wp-json\/wp\/v2\/tags?post=9367"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}