I think the hon. member's difficulty is this, that in addition to lending their own money, the lending institutions are acting as agents for Central Mortgage and Housing Corporation in putting out this $150 million which will be increased when we get the amendment through.
There are two types of loans. You may go to an approved lender and get a loan under the insured plan or you may get it under the agency loan plan. In the latter case the money is government money, but mind you the agency loan plan money is only available for these small homes. If you want to build a big house on Shaughnessy Heights you cannot get any money under the agency plan. You would have then to come under the insurance plan and take your chances with the lender.