{"id":519,"date":"2026-09-12T01:22:30","date_gmt":"2026-09-12T05:22:30","guid":{"rendered":"https:\/\/ernsocleus.com\/mortgage-calculator\/"},"modified":"2026-09-12T01:22:30","modified_gmt":"2026-09-12T05:22:30","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/ernsocleus.com\/en\/mortgage-calculator\/","title":{"rendered":"Mortgage payment calculator"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling ec-section-sombre\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:90px;--awb-padding-right:30px;--awb-padding-bottom:60px;--awb-padding-left:30px;--awb-background-color:#1c1c1c;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-six\" style=\"--awb-text-color:#c9a14a;--awb-margin-bottom:8px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:13px;\"><h6 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;letter-spacing:0.18em;text-transform:uppercase;font-size:1em;\">Free tool \u2014 Quebec<\/h6><\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#ffffff;--awb-margin-bottom:16px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:40px;\"><h1 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;font-size:1em;\">Mortgage payment calculator<\/h1><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:center;--awb-font-size:18px;\"><p>The only calculator that gives you the <strong>real<\/strong> figure: payment using the Canadian method, <strong>CMHC insurance premium<\/strong> financed into the loan, <strong>Quebec&#8217;s 9% tax<\/strong> on that premium, and the <strong>total cash to plan for at the notary<\/strong>. Nothing left out.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:60px;--awb-padding-right:30px;--awb-padding-bottom:60px;--awb-padding-left:30px;--awb-background-color:#f5f3ef;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"ec-calc\" id=\"ec-calc-hypotheque\">\n\t<div class=\"ec-calc-field\">\n\t\t<label for=\"ech-type\">Property type<\/label>\n\t\t<div class=\"ec-calc-select\"><select id=\"ech-type\"><option value=\"unifam\">Single-family or duplex \u2014 you live in it<\/option><option value=\"plex34\">Triplex or fourplex \u2014 you live in it<\/option><option value=\"locatif\">Fully tenant-occupied building (not owner-occupied)<\/option><\/select><\/div>\n\t<\/div>\n\t<div class=\"ec-calc-field\">\n\t\t<label for=\"ech-prix\">Property price<\/label>\n\t\t<div class=\"ec-calc-input\"><span class=\"ec-calc-dollar\">$<\/span><input type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" id=\"ech-prix\" placeholder=\"625,000\"><\/div>\n\t<\/div>\n\t<div class=\"ec-calc-field\">\n\t\t<label for=\"ech-mise\">Down payment<\/label>\n\t\t<div class=\"ec-calc-input\"><span class=\"ec-calc-dollar\">$<\/span><input type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" id=\"ech-mise\" placeholder=\"125,000\"><\/div>\n\t\t<p class=\"ec-calc-hint\" id=\"ech-hint\"><\/p>\n\t<\/div>\n\t<div class=\"ec-calc-field\">\n\t\t<label for=\"ech-taux\">Annual interest rate<\/label>\n\t\t<div class=\"ec-calc-input\"><input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" id=\"ech-taux\" placeholder=\"5.25\"><span class=\"ec-calc-unit\">%<\/span><\/div>\n\t<\/div>\n\t<div class=\"ec-calc-field\">\n\t\t<label for=\"ech-amort\">Amortization period<\/label>\n\t\t<div class=\"ec-calc-select\"><select id=\"ech-amort\"><option value=\"5\">5 years<\/option><option value=\"10\">10 years<\/option><option value=\"15\">15 years<\/option><option value=\"20\">20 years<\/option><option value=\"25\" selected>25 years<\/option><option value=\"30\">30 years<\/option><\/select><\/div>\n\t<\/div>\n\t<div class=\"ec-calc-field\">\n\t\t<label for=\"ech-freq\">Payment frequency<\/label>\n\t\t<div class=\"ec-calc-select\"><select id=\"ech-freq\"><option value=\"12\">Monthly<\/option><option value=\"26\">Bi-weekly<\/option><option value=\"52\">Weekly<\/option><\/select><\/div>\n\t<\/div>\n\t<button type=\"button\" class=\"ec-calc-btn\" id=\"ech-go\">Calculate my payment<\/button>\n\t<div class=\"ec-calc-result\" id=\"ech-result\" hidden>\n\t\t<div class=\"ec-calc-total\"><span id=\"ech-label\">Payment<\/span><strong id=\"ech-montant\">\u2014<\/strong><\/div>\n\t\t<table class=\"ec-calc-detail\"><tbody id=\"ech-detail\"><\/tbody><\/table>\n\t\t<div class=\"ec-calc-comptant\" id=\"ech-comptant\"><\/div>\n\t\t<p class=\"ec-calc-note\" id=\"ech-note\"><\/p>\n\t\t<a href=\"https:\/\/ernsocleus.com\/en\/contact\/\" class=\"ec-calc-cta\">Discuss your purchase plans with a broker<\/a>\n\t<\/div>\n\t<p class=\"ec-calc-legal\">Principal and interest calculated using the Canadian method (interest compounded semi-annually), including the CMHC insurance premium financed into the loan by the bank and Quebec\u2019s 9% tax on that premium, payable in cash to the lending bank or at the notary. Excludes property taxes and home insurance. CMHC premiums and the $1.5M insurable cap in effect in 2026. The actual rate and terms are set by your lender.<\/p>\n<\/div>\n<script>\n(function(){\n\tvar go=document.getElementById('ech-go');if(!go)return;\n\tvar money=new Intl.NumberFormat('en-CA',{style:'currency',currency:'CAD',maximumFractionDigits:0});\n\tvar money2=new Intl.NumberFormat('en-CA',{style:'currency',currency:'CAD',minimumFractionDigits:2,maximumFractionDigits:2});\n\tvar num=new Intl.NumberFormat('en-CA',{maximumFractionDigits:0});\n\tfunction pInt(v){return parseInt((v||'').replace(\/[^0-9]\/g,''))||0;}\n\tfunction pDec(v){return parseFloat((v||'').replace(\/\\s\/g,'').replace(',','.').replace(\/[^0-9.]\/g,''))||0;}\n\tfunction pctStr(r){return (Math.round(r*10000)\/100).toString().replace('.','.');}\n\tvar prix=document.getElementById('ech-prix'),mise=document.getElementById('ech-mise'),typeSel=document.getElementById('ech-type'),hint=document.getElementById('ech-hint');\n\t[prix,mise].forEach(function(el){el.addEventListener('input',function(){var n=pInt(el.value);el.value=n?num.format(n):'';majHint();});});\n\ttypeSel.addEventListener('change',function(){majHint();recalc();});\n\tfunction minDown(P,type){\n\t\tif(type==='locatif')return P*0.20;\n\t\tif(P>1500000)return P*0.20;\n\t\tif(type==='plex34')return P*0.10;\n\t\tif(P<=500000)return P*0.05;\n\t\treturn 500000*0.05+(P-500000)*0.10;\n\t}\n\tfunction primeRate(ltv){\n\t\tif(ltv<=0.80)return 0;\n\t\tif(ltv<=0.85)return 0.028;\n\t\tif(ltv<=0.90)return 0.031;\n\t\tif(ltv<=0.95)return 0.040;\n\t\treturn null;\n\t}\n\tfunction majHint(){\n\t\tvar P=pInt(prix.value);if(!P){hint.textContent='';return;}\n\t\tvar m=minDown(P,typeSel.value);\n\t\thint.textContent='Minimum down payment for this type: '+money.format(Math.ceil(m))+' ('+pctStr(m\/P)+' %).';\n\t}\n\tfunction recalc(){if(!document.getElementById('ech-result').hidden)calc();}\n\tfunction calc(){\n\t\tvar type=typeSel.value,P=pInt(prix.value),D=pInt(mise.value),rate=pDec(document.getElementById('ech-taux').value);\n\t\tvar years=parseInt(document.getElementById('ech-amort').value),per=parseInt(document.getElementById('ech-freq').value);\n\t\tvar baseLoan=P-D;if(baseLoan<=0||rate<=0||!years||!P){return;}\n\t\tvar ltv=baseLoan\/P,minD=minDown(P,type),misePct=D\/P*100;\n\t\tvar insurable=(type!=='locatif'&&P<=1500000);\n\t\tvar prime=0,pr=0,taxe=0,insured=baseLoan,warn='';\n\t\tif(D<minD){warn='\u26a0 Down payment below the required minimum of '+money.format(Math.ceil(minD))+' for this property type.';}\n\t\tif(ltv>0.80){\n\t\t\tif(insurable){\n\t\t\t\tpr=primeRate(ltv);\n\t\t\t\tif(pr===null){warn='\u26a0 A down payment below 5% is not eligible.';}\n\t\t\t\telse{prime=baseLoan*pr;taxe=prime*0.09;insured=baseLoan+prime;}\n\t\t\t}else if(type==='locatif'){warn='\u26a0 A fully tenant-occupied building requires at least 20% down \u2014 CMHC insurance does not apply.';}\n\t\t\telse{warn='\u26a0 Above $1.5M, the loan is not insurable: 20% down payment required.';}\n\t\t}\n\t\tvar r=rate\/100,i=Math.pow(1+r\/2,2\/per)-1,n=years*per;\n\t\tvar pay=insured*i\/(1-Math.pow(1+i,-n)),total=pay*n,interet=total-insured;\n\t\tdocument.getElementById('ech-label').textContent=per===52?'Weekly payment':(per===26?'Bi-weekly payment':'Monthly payment');\n\t\tdocument.getElementById('ech-montant').textContent=money2.format(pay);\n\t\tvar rows=[['Base loan amount',money.format(Math.round(baseLoan))]];\n\t\tif(prime>0){rows.push(['CMHC insurance premium ('+pctStr(pr)+' %)',money.format(Math.round(prime))]);rows.push(['Total insured loan',money.format(Math.round(insured))]);}\n\t\trows.push(['Interest over '+years+' years',money.format(Math.round(interet))]);\n\t\trows.push(['Total cost of the loan',money.format(Math.round(total))]);\n\t\tvar tb=document.getElementById('ech-detail');tb.innerHTML='';\n\t\trows.forEach(function(row){var tr=document.createElement('tr');var a=document.createElement('td');a.textContent=row[0];var b=document.createElement('td');b.textContent=row[1];tr.appendChild(a);tr.appendChild(b);tb.appendChild(tr);});\n\t\tvar comptant=D+taxe,cb=document.getElementById('ech-comptant');\n\t\tvar html='<div class=\"ec-comptant-titre\">To budget in cash at signing<\/div><div class=\"ec-comptant-montant\">'+money.format(Math.round(comptant))+'<\/div><div class=\"ec-comptant-detail\">&bull; Down payment: '+money.format(Math.round(D))+' ('+num.format(Math.round(misePct))+' %)';\n\t\tif(taxe>0){html+='<br>&bull; 9% tax on the CMHC premium: '+money.format(Math.round(taxe))+' \u2014 payable to the lending bank or at the notary<br><em>The CMHC premium of '+money.format(Math.round(prime))+' is financed by the bank and included in your loan \u2014 it is not paid in cash.<\/em>';}\n\t\thtml+='<\/div>';\n\t\tcb.innerHTML=html;\n\t\tvar note=document.getElementById('ech-note');\n\t\tif(warn){note.textContent=warn;note.className='ec-calc-note ec-calc-warn';}\n\t\telse if(prime>0){note.textContent='The CMHC premium is financed by the bank (included in the loan); only the 9% tax on that premium is paid in cash, to the lending bank or at the notary.';note.className='ec-calc-note';}\n\t\telse{note.textContent='Down payment of 20% or more: no CMHC insurance required.';note.className='ec-calc-note';}\n\t\tdocument.getElementById('ech-result').hidden=false;\n\t}\n\tgo.addEventListener('click',calc);\n\tdocument.getElementById('ech-taux').addEventListener('keydown',function(e){if(e.key==='Enter'){e.preventDefault();calc();}});\n\t['ech-amort','ech-freq'].forEach(function(id){document.getElementById(id).addEventListener('change',recalc);});\n})();\n<\/script><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:70px;--awb-padding-right:30px;--awb-padding-bottom:60px;--awb-padding-left:30px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;font-size:1em;\">How is a mortgage payment calculated in Quebec?<\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:64px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#c9a14a;border-color:#c9a14a;border-top-width:3px;\"><\/div><\/div><div class=\"fusion-text fusion-text-2\"><p>In Canada, fixed-rate mortgages are calculated with <strong>interest compounded semi-annually<\/strong> \u2014 a rule specific to the Interest Act, different from the monthly calculation used in the United States. Our calculator applies this method, so the payment shown reflects the reality of a Quebec loan.<\/p>\n<p>The payment depends on the <strong>amount borrowed<\/strong>, the <strong>rate<\/strong>, the <strong>amortization<\/strong> and the <strong>frequency<\/strong>. But when the down payment is under 20%, two costs that most calculators forget are added \u2014 and our tool calculates them.<\/p>\n<p><strong>The CMHC insurance premium<\/strong> (from 2.8% to 4% of the loan depending on the down payment) is <strong>added to the amount borrowed and financed by the bank<\/strong> with the mortgage \u2014 you don&#8217;t pay it in cash. <strong>Quebec&#8217;s 9% sales tax on that premium<\/strong>, however, <strong>cannot be financed<\/strong>: it is paid in cash, to the lending bank or at the notary, at signing. So our calculator shows the real payment <em>and<\/em> the total cash to plan for (down payment + tax).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-right:26px;--awb-padding-bottom:24px;--awb-padding-left:26px;--awb-bg-color:#f5f3ef;--awb-bg-color-hover:#f5f3ef;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:10px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:20px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;font-size:1em;\">Minimum down payment (2026)<\/h3><\/div><div class=\"fusion-text fusion-text-3\"><ul>\n<li><strong>Single-family \/ duplex<\/strong> (occupied): 5% up to $500,000, then 10% from $500,000 to $1.5M<\/li>\n<li><strong>Triplex \/ quadruplex<\/strong> (occupied): 10%<\/li>\n<li><strong>Rental building<\/strong> (not occupied): 20%, no CMHC<\/li>\n<li>Price of <strong>$1.5M and up<\/strong>: 20% (not insurable)<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div>\n<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:60px;--awb-padding-right:30px;--awb-padding-bottom:60px;--awb-padding-left:30px;--awb-background-color:#f5f3ef;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-bottom:16px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;font-size:1em;\">CMHC mortgage insurance: what percentage based on your down payment?<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><p>If your down payment is <strong>below 20%<\/strong>, your loan must be insured (CMHC, Sagen or Canada Guaranty). The premium is a <strong>percentage of the amount borrowed<\/strong>: the smaller your down payment, the higher the premium. Here are the standard 2026 rates.<\/p>\n<table style=\"border-collapse:collapse;margin:16px 0;max-width:480px;width:100%;\">\n<thead>\n<tr>\n<th style=\"text-align:left;padding:10px 28px 10px 0;border-bottom:2px solid #C9A14A;\">Your down payment<\/th>\n<th style=\"text-align:left;padding:10px 0;border-bottom:2px solid #C9A14A;\">Premium (% of loan)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding:10px 28px 10px 0;border-bottom:1px solid #e2ddd2;\">5% to 9.99%<\/td>\n<td style=\"padding:10px 0;border-bottom:1px solid #e2ddd2;\"><strong>4.00%<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 28px 10px 0;border-bottom:1px solid #e2ddd2;\">10% to 14.99%<\/td>\n<td style=\"padding:10px 0;border-bottom:1px solid #e2ddd2;\"><strong>3.10%<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 28px 10px 0;border-bottom:1px solid #e2ddd2;\">15% to 19.99%<\/td>\n<td style=\"padding:10px 0;border-bottom:1px solid #e2ddd2;\"><strong>2.80%<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 28px 10px 0;\">20% and up<\/td>\n<td style=\"padding:10px 0;\"><strong>No premium<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>How it works:<\/strong> the premium is <strong>added to your mortgage and financed<\/strong> \u2014 you don&#8217;t pay it in cash. The only exception in Quebec is the <strong>9% tax on the premium<\/strong>, which is payable in cash at signing (at the notary or the bank). Our calculator above automatically applies the right rate based on your down payment and adds the tax.<\/p>\n<p><em>Example: on a $400,000 loan with a 5% down payment, the premium (4%) is $16,000, financed into the mortgage; the 9% tax on that premium \u2014 that is, $1,440 \u2014 is paid in cash.<\/em><\/p>\n<p style=\"font-size:0.9em;color:#6b7885;\">Standard rates for an owner-occupied property. Surcharges may apply (for example a 30-year amortization). Validate your case with your financial institution or your mortgage broker.<\/p>\n<\/div><\/div><\/div><\/div><\/div><br \/>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:70px;--awb-padding-right:30px;--awb-padding-bottom:70px;--awb-padding-left:30px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-bottom:20px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;font-size:1em;\">Frequently asked questions about mortgage calculation<\/h2><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:left;--awb-hover-color:var(--awb-color2);--awb-border-color:var(--awb-color3);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color1);--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);--awb-icon-box-color:var(--awb-color8);--awb-toggle-hover-accent-color:var(--awb-color5);--awb-title-font-family:var(--awb-typography1-font-family);--awb-title-font-weight:var(--awb-typography1-font-weight);--awb-title-font-style:var(--awb-typography1-font-style);--awb-title-font-size:16px;--awb-title-letter-spacing:0.01em;--awb-title-line-height:1.35;--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-519-1\"><div class=\"fusion-panel panel-default panel-b15edbcc8c60b7856 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b15edbcc8c60b7856\"><a aria-expanded=\"false\" aria-controls=\"b15edbcc8c60b7856\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-519-1\" data-target=\"#b15edbcc8c60b7856\" href=\"#b15edbcc8c60b7856\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What is the minimum down payment to buy in Quebec in 2026?<\/span><\/a><\/h4><\/div><div id=\"b15edbcc8c60b7856\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b15edbcc8c60b7856\"><div class=\"panel-body toggle-content fusion-clearfix\">For a single-family home or duplex you live in: 5% on the portion up to $500,000, then 10% on the portion from $500,000 to $1.5M. Example for $625,000: $37,500 (5% of $500,000 + 10% of $125,000). For an owner-occupied triplex or quadruplex: 10%. For a fully rental building: 20% (CMHC insurance does not apply). Above $1.5M, the loan is no longer insurable and requires 20%.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-2232bf81546418761 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_2232bf81546418761\"><a aria-expanded=\"false\" aria-controls=\"2232bf81546418761\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-519-1\" data-target=\"#2232bf81546418761\" href=\"#2232bf81546418761\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How much does CMHC mortgage loan insurance cost?<\/span><\/a><\/h4><\/div><div id=\"2232bf81546418761\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_2232bf81546418761\"><div class=\"panel-body toggle-content fusion-clearfix\">The premium depends on your loan-to-value ratio: 4.00% of the loan for a down payment of 5 to 9.99%, 3.10% for 10 to 14.99%, and 2.80% for 15 to 19.99%. It is calculated on the amount borrowed and added to your loan (it is financed). With a down payment of 20% or more, no premium is required. Our calculator automatically applies the right rate.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-9960ed11eb2de10e0 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_9960ed11eb2de10e0\"><a aria-expanded=\"false\" aria-controls=\"9960ed11eb2de10e0\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-519-1\" data-target=\"#9960ed11eb2de10e0\" href=\"#9960ed11eb2de10e0\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">The 9% tax on the CMHC premium \u2014 what is it?<\/span><\/a><\/h4><\/div><div id=\"9960ed11eb2de10e0\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_9960ed11eb2de10e0\"><div class=\"panel-body toggle-content fusion-clearfix\">Quebec charges a 9% sales tax on the CMHC insurance premium. Unlike the premium, which is financed by the bank and added to the loan, this tax <strong>cannot be financed<\/strong>: it is paid in cash, to the lending bank or at the notary, at the signing of the deed of sale. On a $15,000 premium, for example, that&#8217;s $1,350 to pay out of pocket on the day of the transaction. Many buyers forget it \u2014 our calculator includes it in the &#8220;cash to plan for.&#8221;<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ef067649d68943ade fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ef067649d68943ade\"><a aria-expanded=\"false\" aria-controls=\"ef067649d68943ade\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-519-1\" data-target=\"#ef067649d68943ade\" href=\"#ef067649d68943ade\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Can the CMHC insurance premium be financed?<\/span><\/a><\/h4><\/div><div id=\"ef067649d68943ade\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ef067649d68943ade\"><div class=\"panel-body toggle-content fusion-clearfix\">Yes for the premium itself: the bank adds it to your mortgage amount, which slightly increases your payment \u2014 you don&#8217;t pay it in cash. No for Quebec&#8217;s 9% tax on that premium: it is payable in cash, to the lending bank or at the notary. That&#8217;s the distinction our calculator makes visible.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-afae96c8d446f0640 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_afae96c8d446f0640\"><a aria-expanded=\"false\" aria-controls=\"afae96c8d446f0640\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-519-1\" data-target=\"#afae96c8d446f0640\" href=\"#afae96c8d446f0640\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Is it better to pay bi-weekly or monthly?<\/span><\/a><\/h4><\/div><div id=\"afae96c8d446f0640\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_afae96c8d446f0640\"><div class=\"panel-body toggle-content fusion-clearfix\">At standard frequency, the difference is minor. It&#8217;s the &#8220;accelerated bi-weekly&#8221; payment (half the monthly payment, taken 26 times a year) that makes a real difference: it adds the equivalent of one monthly payment per year and can cut the amortization by several years. Talk to your mortgage broker.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-4a299faaba132ae57 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4a299faaba132ae57\"><a aria-expanded=\"false\" aria-controls=\"4a299faaba132ae57\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-519-1\" data-target=\"#4a299faaba132ae57\" href=\"#4a299faaba132ae57\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How do I calculate my mortgage payment?<\/span><\/a><\/h4><\/div><div id=\"4a299faaba132ae57\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4a299faaba132ae57\"><div class=\"panel-body toggle-content fusion-clearfix\">The payment depends on the amount borrowed, the interest rate and the amortization period. In Canada, interest is compounded semi-annually \u2014 that&#8217;s the formula our calculator uses. Enter the price, your down payment, the rate and the amortization to get your payment, the CMHC insurance and the total cash to plan for.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-8f65fc8a674c8d29e fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8f65fc8a674c8d29e\"><a aria-expanded=\"false\" aria-controls=\"8f65fc8a674c8d29e\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-519-1\" data-target=\"#8f65fc8a674c8d29e\" href=\"#8f65fc8a674c8d29e\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How much can I borrow?<\/span><\/a><\/h4><\/div><div id=\"8f65fc8a674c8d29e\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8f65fc8a674c8d29e\"><div class=\"panel-body toggle-content fusion-clearfix\">Your borrowing capacity depends on your income, your debts and two debt ratios \u2014 the GDS (housing costs, limit of about 39% of income) and the TDS (all your debts, limit of about 44%) \u2014 as well as the qualifying rate of the stress test. The calculator gives you the payment for a given price, which helps you place your budget; for a precise pre-authorized amount, validate with your financial institution or your mortgage broker.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-6b4dc5662500cd4b5 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_6b4dc5662500cd4b5\"><a aria-expanded=\"false\" aria-controls=\"6b4dc5662500cd4b5\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-519-1\" data-target=\"#6b4dc5662500cd4b5\" href=\"#6b4dc5662500cd4b5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What are the GDS and TDS debt ratios?<\/span><\/a><\/h4><\/div><div id=\"6b4dc5662500cd4b5\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_6b4dc5662500cd4b5\"><div class=\"panel-body toggle-content fusion-clearfix\">They are the two ratios lenders use to assess your borrowing capacity. The <strong>GDS (gross debt service)<\/strong> compares your housing costs \u2014 mortgage payment, municipal and school taxes, heating and 50% of condo fees \u2014 to your gross income; the limit is generally <strong>39%<\/strong>. The <strong>TDS (total debt service)<\/strong> adds all your other debts (car loan, credit cards, lines of credit, support payments); the limit is generally <strong>44%<\/strong>. In other words, your housing costs should not exceed 39% of your gross income, and all your debts 44%. With the stress test, these ratios determine the amount a lender can grant you. Validate your situation with your financial institution or your mortgage broker.<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-text fusion-text-5\"><\/div><\/div><\/div><\/div><\/div><\/p>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling ec-section-sombre\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:70px;--awb-padding-right:30px;--awb-padding-bottom:70px;--awb-padding-left:30px;--awb-background-color:#1c1c1c;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:#ffffff;--awb-margin-bottom:14px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;font-size:1em;\">Ready to move from estimate to purchase?<\/h2><\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-content-alignment:center;\"><p>I support you from pre-qualification to taking possession, and I connect you with trusted mortgage brokers. Let&#8217;s talk about your project \u2014 free of charge and with no obligation.<\/p>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat button-large button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:10px;--awb-margin-bottom:8px;--button_text_transform:uppercase;\" target=\"_self\" title=\"Discuss my purchase project\" aria-label=\"Discuss my purchase project\" href=\"\/en\/contact\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Discuss my project<\/span><\/a><\/div><div class=\"fusion-text fusion-text-7\" style=\"--awb-content-alignment:center;\"><p class=\"ec-hero-tel\">Or call \/ text: <a href=\"tel:+15143608543\">(514) 360-8543<\/a><\/p>\n<\/div><div class=\"fusion-text fusion-text-8\" style=\"--awb-content-alignment:center;\"><p class=\"ec-signature-conformite\"><strong>Ernso Cl\u00e9us<\/strong>, residential and commercial real estate broker \u2014 <strong>RE\/MAX Crystal<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":0,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-519","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mortgage Payment Calculator (Quebec) | Ernso Cl\u00e9us, RE\/MAX Crystal<\/title>\n<meta name=\"description\" content=\"Real Canadian-method payment, CMHC premium and 9% Quebec tax, total cash at the notary. 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