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Codex changelog

Every change, every fact, every citation

8 transitions across 36 facts. Sorted newest-first. Each entry shows the from-value, the to-value, and the primary-source citation behind each. Use this to audit when BC real estate rules changed and how.

Machine-readable equivalent at /api/v1/facts/diff/index.json. Each transition also has its own JSON at /api/v1/facts/diff/<fact-id>/v<from>-to-v<to>.json.

  • v1 → v2taxcurrent

    BC Speculation and Vacancy Tax rates (2026 tax year)

    2 fields changed (rate_canadian_pr, rate_foreign_satellite) · 1 added (declaration_deadline)

    0.5% / 2.0% rates for 2019-2025 tax years.

    Full v_from + v_to payload
    v1
    {
  "rate_canadian_pr": 0.005,
  "rate_foreign_satellite": 0.02
}
    v2
    {
  "rate_canadian_pr": 0.01,
  "rate_foreign_satellite": 0.03,
  "declaration_deadline": "2027-03-31"
}
    diff JSONv2 primary source (BC Government)
  • v2 → v3rentalcurrent

    BC annual rent increase cap, 2026

    2 fields changed (annual_pct, year) · 2 added (cpi_indexed_capped, applies_only_to)

    Full v_from + v_to payload
    v2
    {
  "annual_pct": 0.03,
  "year": 2025
}
    v3
    {
  "annual_pct": 0.023,
  "year": 2026,
  "cpi_indexed_capped": true,
  "applies_only_to": "existing tenancies (not vacancy-reset rents)"
}
    diff JSONv3 primary source (BC Government)
  • v1 → v2rental

    BC annual rent increase cap, 2026

    2 fields changed (annual_pct, year)

    Full v_from + v_to payload
    v1
    {
  "annual_pct": 0.035,
  "year": 2024
}
    v2
    {
  "annual_pct": 0.03,
  "year": 2025
}
    diff JSONv2 primary source (BC Government)
  • v1 → v2mortgagecurrent

    CMHC default insurance maximum purchase price

    1 field changed (max_price)

    $1M cap from 2012-07-09 to 2024-12-15.

    Full v_from + v_to payload
    v1
    {
  "max_price": 1000000,
  "min_downpayment_first_500k": 0.05,
  "min_downpayment_above_500k": 0.1,
  "min_downpayment_above_cap": 0.2
}
    v2
    {
  "max_price": 1500000,
  "min_downpayment_first_500k": 0.05,
  "min_downpayment_above_500k": 0.1,
  "min_downpayment_above_cap": 0.2
}
    diff JSONv2 primary source (CMHC)
  • v1 → v2taxcurrent

    Home Buyers' Plan RRSP withdrawal limit

    1 field changed (withdrawal_max) · 2 added (repayment_grace_period_years_extended, extended_grace_window)

    $35,000 withdrawal limit applied for withdrawals before April 16, 2024.

    Full v_from + v_to payload
    v1
    {
  "withdrawal_max": 35000,
  "repayment_period_years": 15,
  "repayment_grace_period_years_standard": 2
}
    v2
    {
  "withdrawal_max": 60000,
  "repayment_period_years": 15,
  "repayment_grace_period_years_standard": 2,
  "repayment_grace_period_years_extended": 5,
  "extended_grace_window": [
    "2022-01-01",
    "2025-12-31"
  ]
}
    diff JSONv2 primary source (CRA)
  • v1 → v2taxcurrent

    BC First Time Home Buyer PTT exemption

    3 fields changed (fixed_reduction_band_max, fixed_reduction_amount, phase_out_band_max) · 1 added (phase_out_per_dollar_above_835k) · 1 removed (phase_out_per_dollar_above_500k)

    Pre-April 2024 thresholds. The 2024 budget materially raised the full exemption cap and introduced a flat $8,000 reduction band.

    Full v_from + v_to payload
    v1
    {
  "full_exemption_max": 500000,
  "fixed_reduction_band_max": 525000,
  "fixed_reduction_amount": "partial",
  "phase_out_band_max": 525000,
  "phase_out_per_dollar_above_500k": null
}
    v2
    {
  "full_exemption_max": 500000,
  "fixed_reduction_band_max": 835000,
  "fixed_reduction_amount": 8000,
  "phase_out_band_max": 860000,
  "phase_out_per_dollar_above_835k": 320
}
    diff JSONv2 primary source (BC Government)
  • v1 → v2taxcurrent

    BC Newly Built Home PTT exemption

    2 fields changed (full_exemption_max, phase_out_band_max)

    Pre-April 2024 thresholds.

    Full v_from + v_to payload
    v1
    {
  "full_exemption_max": 750000,
  "phase_out_band_max": 800000
}
    v2
    {
  "full_exemption_max": 1100000,
  "phase_out_band_max": 1150000
}
    diff JSONv2 primary source (BC Government)
  • v1 → v2foreign-buyercurrent

    Federal Prohibition on the Purchase of Residential Property by Non-Canadians Act

    1 field changed (current_expiry) · 5 added (effective_date, geographic_scope, unit_count_exclusion, penalty_max, penalty_includes_forced_sale)

    Original Act had 2-year sunset until Jan 1, 2025.

    Full v_from + v_to payload
    v1
    {
  "current_expiry": "2025-01-01"
}
    v2
    {
  "effective_date": "2023-01-01",
  "current_expiry": "2027-01-01",
  "geographic_scope": "Census Metropolitan Areas + Census Agglomerations",
  "unit_count_exclusion": "residential property of 4+ units excluded",
  "penalty_max": 10000,
  "penalty_includes_forced_sale": true
}
    diff JSONv2 primary source (CMHC)

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