{"id":520,"date":"2026-09-12T01:22:31","date_gmt":"2026-09-12T05:22:31","guid":{"rendered":"https:\/\/ernsocleus.com\/calculadora-hipotecaria\/"},"modified":"2026-09-12T01:22:31","modified_gmt":"2026-09-12T05:22:31","slug":"calculadora-hipotecaria","status":"publish","type":"page","link":"https:\/\/ernsocleus.com\/es\/calculadora-hipotecaria\/","title":{"rendered":"Calculadora de pago hipotecario"},"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;\">Herramienta gratuita \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;\">Calculadora de pago hipotecario<\/h1><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:center;--awb-font-size:18px;\"><p>La \u00fanica calculadora que le da la cifra <strong>real<\/strong>: pago seg\u00fan el m\u00e9todo canadiense, <strong>prima de seguro CMHC<\/strong> financiada en el pr\u00e9stamo, <strong>impuesto del 9 % de Quebec<\/strong> sobre esa prima, y el <strong>efectivo total por prever ante el notario<\/strong>. Nada olvidado.<\/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\">Tipo de propiedad<\/label>\n\t\t<div class=\"ec-calc-select\"><select id=\"ech-type\"><option value=\"unifam\">Unifamiliar o d\u00faplex \u2014 usted la habita<\/option><option value=\"plex34\">Tr\u00edplex o cu\u00e1druplex \u2014 usted la habita<\/option><option value=\"locatif\">Edificio totalmente de alquiler (no ocupado)<\/option><\/select><\/div>\n\t<\/div>\n\t<div class=\"ec-calc-field\">\n\t\t<label for=\"ech-prix\">Precio de la propiedad<\/label>\n\t\t<div class=\"ec-calc-input\"><span class=\"ec-calc-dollar\">$<\/span><input type=\"text\" inputmode=\"numeric\" autocomplete=\"off\" id=\"ech-prix\" placeholder=\"625.000\"><\/div>\n\t<\/div>\n\t<div class=\"ec-calc-field\">\n\t\t<label for=\"ech-mise\">Pago inicial<\/label>\n\t\t<div class=\"ec-calc-input\"><span class=\"ec-calc-dollar\">$<\/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\">Tasa de inter\u00e9s anual<\/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\">Per\u00edodo de amortizaci\u00f3n<\/label>\n\t\t<div class=\"ec-calc-select\"><select id=\"ech-amort\"><option value=\"5\">5 a\u00f1os<\/option><option value=\"10\">10 a\u00f1os<\/option><option value=\"15\">15 a\u00f1os<\/option><option value=\"20\">20 a\u00f1os<\/option><option value=\"25\" selected>25 a\u00f1os<\/option><option value=\"30\">30 a\u00f1os<\/option><\/select><\/div>\n\t<\/div>\n\t<div class=\"ec-calc-field\">\n\t\t<label for=\"ech-freq\">Frecuencia de pagos<\/label>\n\t\t<div class=\"ec-calc-select\"><select id=\"ech-freq\"><option value=\"12\">Mensual<\/option><option value=\"26\">Quincenal<\/option><option value=\"52\">Semanal<\/option><\/select><\/div>\n\t<\/div>\n\t<button type=\"button\" class=\"ec-calc-btn\" id=\"ech-go\">Calcular mi pago<\/button>\n\t<div class=\"ec-calc-result\" id=\"ech-result\" hidden>\n\t\t<div class=\"ec-calc-total\"><span id=\"ech-label\">Pago<\/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\/es\/contacto\/\" class=\"ec-calc-cta\">Hable de su proyecto de compra con un corredor<\/a>\n\t<\/div>\n\t<p class=\"ec-calc-legal\">C\u00e1lculo del capital y de los intereses seg\u00fan el m\u00e9todo canadiense (inter\u00e9s compuesto semestralmente), incluyendo la prima de seguro CMHC financiada en el pr\u00e9stamo por el banco y el impuesto del 9 % de Quebec sobre esa prima, pagadero en efectivo al banco prestamista o ante el notario. Excluye los impuestos prediales y los seguros de vivienda. Primas CMHC y tope asegurable de 1,5 M$ vigentes en 2026. La tasa y las condiciones reales las fija su prestamista.<\/p>\n<\/div>\n<script>\n(function(){\n\tvar go=document.getElementById('ech-go');if(!go)return;\n\tvar money=new Intl.NumberFormat('es-ES',{style:'currency',currency:'CAD',maximumFractionDigits:0});\n\tvar money2=new Intl.NumberFormat('es-ES',{style:'currency',currency:'CAD',minimumFractionDigits:2,maximumFractionDigits:2});\n\tvar num=new Intl.NumberFormat('es-ES',{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='Pago inicial m\u00ednimo para este tipo: '+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 Pago inicial por debajo del m\u00ednimo requerido de '+money.format(Math.ceil(minD))+' para este tipo de propiedad.';}\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 Un pago inicial inferior al 5 % no es admisible.';}\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 Un edificio totalmente de alquiler exige al menos un 20 % de pago inicial \u2014 el seguro CMHC no se aplica.';}\n\t\t\telse{warn='\u26a0 Por encima de 1,5 M$, el pr\u00e9stamo no es asegurable: se requiere un 20 % de pago inicial.';}\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?'Pago semanal':(per===26?'Pago quincenal':'Pago mensual');\n\t\tdocument.getElementById('ech-montant').textContent=money2.format(pay);\n\t\tvar rows=[['Monto del pr\u00e9stamo base',money.format(Math.round(baseLoan))]];\n\t\tif(prime>0){rows.push(['Prima de seguro CMHC ('+pctStr(pr)+' %)',money.format(Math.round(prime))]);rows.push(['Pr\u00e9stamo asegurado total',money.format(Math.round(insured))]);}\n\t\trows.push(['Intereses sobre '+years+' a\u00f1os',money.format(Math.round(interet))]);\n\t\trows.push(['Costo total del pr\u00e9stamo',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\">A prever en efectivo en la firma<\/div><div class=\"ec-comptant-montant\">'+money.format(Math.round(comptant))+'<\/div><div class=\"ec-comptant-detail\">&bull; Pago inicial: '+money.format(Math.round(D))+' ('+num.format(Math.round(misePct))+' %)';\n\t\tif(taxe>0){html+='<br>&bull; Impuesto del 9 % sobre la prima CMHC: '+money.format(Math.round(taxe))+' \u2014 pagadero al banco prestamista o ante el notario<br><em>La prima CMHC de '+money.format(Math.round(prime))+' es financiada por el banco e incluida en su pr\u00e9stamo \u2014 no se paga en efectivo.<\/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='La prima CMHC es financiada por el banco (incluida en el pr\u00e9stamo); solo el impuesto del 9 % sobre esa prima se paga en efectivo, al banco prestamista o ante el notario.';note.className='ec-calc-note';}\n\t\telse{note.textContent='Pago inicial del 20 % o m\u00e1s: no se requiere seguro CMHC.';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;\">\u00bfC\u00f3mo se calcula un pago hipotecario en 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>En Canad\u00e1, las hipotecas de tasa fija se calculan con <strong>inter\u00e9s compuesto semestralmente<\/strong> \u2014 una regla propia de la Ley del inter\u00e9s, distinta del c\u00e1lculo mensual usado en Estados Unidos. Nuestra calculadora aplica este m\u00e9todo, as\u00ed que el pago mostrado refleja la realidad de un pr\u00e9stamo quebequense.<\/p>\n<p>El pago depende del <strong>monto prestado<\/strong>, de la <strong>tasa<\/strong>, de la <strong>amortizaci\u00f3n<\/strong> y de la <strong>frecuencia<\/strong>. Pero cuando el pago inicial es inferior al 20 %, se a\u00f1aden dos costos que la mayor\u00eda de las calculadoras olvidan \u2014 y nuestra herramienta los calcula.<\/p>\n<p><strong>La prima de seguro CMHC<\/strong> (del 2,8 % al 4 % del pr\u00e9stamo seg\u00fan el pago inicial) se <strong>a\u00f1ade al monto prestado y la financia el banco<\/strong> con la hipoteca \u2014 usted no la paga en efectivo. <strong>El impuesto de venta del 9 % de Quebec sobre esa prima<\/strong>, en cambio, <strong>no puede financiarse<\/strong>: se paga en efectivo, al banco prestamista o ante el notario, en la firma. Por eso nuestra calculadora muestra el pago real <em>y<\/em> el efectivo total por prever (pago inicial + impuesto).<\/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;\">Pago inicial m\u00ednimo (2026)<\/h3><\/div><div class=\"fusion-text fusion-text-3\"><ul>\n<li><strong>Unifamiliar \/ d\u00faplex<\/strong> (ocupado): 5 % hasta 500 000 $, luego 10 % de 500 000 $ a 1,5 M$<\/li>\n<li><strong>Tr\u00edplex \/ cuadr\u00faplex<\/strong> (ocupado): 10 %<\/li>\n<li><strong>Edificio de alquiler<\/strong> (no ocupado): 20 %, sin CMHC<\/li>\n<li>Precio de <strong>1,5 M$ y m\u00e1s<\/strong>: 20 % (no asegurable)<\/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;\">Seguro hipotecario CMHC: \u00bfqu\u00e9 porcentaje seg\u00fan su pago inicial?<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><p>Si su pago inicial es <strong>inferior al 20 %<\/strong>, su pr\u00e9stamo debe estar asegurado (CMHC, Sagen o Canada Guaranty). La prima es un <strong>porcentaje del monto prestado<\/strong>: cuanto m\u00e1s peque\u00f1o es su pago inicial, m\u00e1s alta es la prima. Aqu\u00ed est\u00e1n las tasas est\u00e1ndar 2026.<\/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;\">Su pago inicial<\/th>\n<th style=\"text-align:left;padding:10px 0;border-bottom:2px solid #C9A14A;\">Prima (% del pr\u00e9stamo)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding:10px 28px 10px 0;border-bottom:1px solid #e2ddd2;\">5 % a 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 % a 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 % a 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 % y m\u00e1s<\/td>\n<td style=\"padding:10px 0;\"><strong>Ninguna prima<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>C\u00f3mo funciona:<\/strong> la prima se <strong>a\u00f1ade a su hipoteca y se financia<\/strong> \u2014 usted no la paga en efectivo. La \u00fanica excepci\u00f3n en Quebec es el <strong>impuesto del 9 % sobre la prima<\/strong>, que se paga en efectivo en la firma (ante el notario o en el banco). Nuestra calculadora anterior aplica autom\u00e1ticamente la tasa correcta seg\u00fan su pago inicial y a\u00f1ade el impuesto.<\/p>\n<p><em>Ejemplo: sobre un pr\u00e9stamo de 400 000 $ con 5 % de pago inicial, la prima (4 %) es de 16 000 $, financiada en la hipoteca; el impuesto del 9 % sobre esa prima \u2014 es decir, 1 440 $ \u2014 se paga en efectivo.<\/em><\/p>\n<p style=\"font-size:0.9em;color:#6b7885;\">Tasas est\u00e1ndar para una propiedad ocupada por el propietario. Pueden aplicarse recargos (por ejemplo una amortizaci\u00f3n de 30 a\u00f1os). Valide su caso con su instituci\u00f3n financiera o su corredor hipotecario.<\/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;\">Preguntas frecuentes sobre el c\u00e1lculo hipotecario<\/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-520-1\"><div class=\"fusion-panel panel-default panel-ac5d9c8bfd406fdce fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ac5d9c8bfd406fdce\"><a aria-expanded=\"false\" aria-controls=\"ac5d9c8bfd406fdce\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-520-1\" data-target=\"#ac5d9c8bfd406fdce\" href=\"#ac5d9c8bfd406fdce\"><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\">\u00bfCu\u00e1l es el pago inicial m\u00ednimo para comprar en Quebec en 2026?<\/span><\/a><\/h4><\/div><div id=\"ac5d9c8bfd406fdce\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ac5d9c8bfd406fdce\"><div class=\"panel-body toggle-content fusion-clearfix\">Para una unifamiliar o un d\u00faplex que usted habita: 5 % sobre la porci\u00f3n hasta 500 000 $, luego 10 % sobre la porci\u00f3n de 500 000 $ a 1,5 M$. Ejemplo para 625 000 $: 37 500 $ (5 % de 500 000 $ + 10 % de 125 000 $). Para un tr\u00edplex o cuadr\u00faplex ocupado por el propietario: 10 %. Para un edificio totalmente de alquiler: 20 % (el seguro CMHC no se aplica). Por encima de 1,5 M$, el pr\u00e9stamo ya no es asegurable y exige 20 %.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b703a224640988f67 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b703a224640988f67\"><a aria-expanded=\"false\" aria-controls=\"b703a224640988f67\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-520-1\" data-target=\"#b703a224640988f67\" href=\"#b703a224640988f67\"><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\">\u00bfCu\u00e1nto cuesta el seguro hipotecario de la CMHC?<\/span><\/a><\/h4><\/div><div id=\"b703a224640988f67\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b703a224640988f67\"><div class=\"panel-body toggle-content fusion-clearfix\">La prima depende de su relaci\u00f3n pr\u00e9stamo-valor: 4,00 % del pr\u00e9stamo para un pago inicial de 5 a 9,99 %, 3,10 % para 10 a 14,99 %, y 2,80 % para 15 a 19,99 %. Se calcula sobre el monto prestado y se a\u00f1ade a su pr\u00e9stamo (se financia). Con 20 % de pago inicial o m\u00e1s, no se exige ninguna prima. Nuestra calculadora aplica autom\u00e1ticamente la tasa correcta.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b58e326a05654a55b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b58e326a05654a55b\"><a aria-expanded=\"false\" aria-controls=\"b58e326a05654a55b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-520-1\" data-target=\"#b58e326a05654a55b\" href=\"#b58e326a05654a55b\"><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\">El impuesto del 9 % sobre la prima CMHC \u2014 \u00bfde qu\u00e9 se trata?<\/span><\/a><\/h4><\/div><div id=\"b58e326a05654a55b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b58e326a05654a55b\"><div class=\"panel-body toggle-content fusion-clearfix\">Quebec impone un impuesto de venta del 9 % sobre la prima de seguro CMHC. A diferencia de la prima, que el banco financia y a\u00f1ade al pr\u00e9stamo, este impuesto <strong>no puede financiarse<\/strong>: se paga en efectivo, al banco prestamista o ante el notario, en la firma de la escritura de venta. Sobre una prima de 15 000 $, por ejemplo, son 1 350 $ que hay que desembolsar el d\u00eda de la transacci\u00f3n. Muchos compradores lo olvidan \u2014 nuestra calculadora lo incluye en el \u00abefectivo por prever\u00bb.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-73e45afc3841c2569 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_73e45afc3841c2569\"><a aria-expanded=\"false\" aria-controls=\"73e45afc3841c2569\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-520-1\" data-target=\"#73e45afc3841c2569\" href=\"#73e45afc3841c2569\"><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\">\u00bfSe puede financiar la prima de seguro CMHC?<\/span><\/a><\/h4><\/div><div id=\"73e45afc3841c2569\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_73e45afc3841c2569\"><div class=\"panel-body toggle-content fusion-clearfix\">S\u00ed para la prima misma: el banco la a\u00f1ade al monto de su hipoteca, lo que aumenta ligeramente su pago \u2014 usted no la paga en efectivo. No para el impuesto del 9 % de Quebec sobre esa prima: es exigible en efectivo, al banco prestamista o ante el notario. Es la distinci\u00f3n que nuestra calculadora hace visible.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f6a14ee1826c4dc44 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f6a14ee1826c4dc44\"><a aria-expanded=\"false\" aria-controls=\"f6a14ee1826c4dc44\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-520-1\" data-target=\"#f6a14ee1826c4dc44\" href=\"#f6a14ee1826c4dc44\"><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\">\u00bfEs mejor pagar cada dos semanas o mensualmente?<\/span><\/a><\/h4><\/div><div id=\"f6a14ee1826c4dc44\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f6a14ee1826c4dc44\"><div class=\"panel-body toggle-content fusion-clearfix\">A frecuencia est\u00e1ndar, la diferencia es menor. Es el pago \u00abcada dos semanas acelerado\u00bb (la mitad del pago mensual, cobrado 26 veces al a\u00f1o) el que hace una verdadera diferencia: a\u00f1ade el equivalente de un pago mensual por a\u00f1o y puede reducir la amortizaci\u00f3n en varios a\u00f1os. H\u00e1blelo con su corredor hipotecario.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-fec3a37ca1840b3ea fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_fec3a37ca1840b3ea\"><a aria-expanded=\"false\" aria-controls=\"fec3a37ca1840b3ea\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-520-1\" data-target=\"#fec3a37ca1840b3ea\" href=\"#fec3a37ca1840b3ea\"><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\">\u00bfC\u00f3mo calcular su pago hipotecario?<\/span><\/a><\/h4><\/div><div id=\"fec3a37ca1840b3ea\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_fec3a37ca1840b3ea\"><div class=\"panel-body toggle-content fusion-clearfix\">El pago depende del monto prestado, de la tasa de inter\u00e9s y del per\u00edodo de amortizaci\u00f3n. En Canad\u00e1, los intereses se componen semestralmente \u2014 es la f\u00f3rmula que usa nuestra calculadora. Ingrese el precio, su pago inicial, la tasa y la amortizaci\u00f3n para obtener su pago, el seguro CMHC y el efectivo total por prever.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-edb66a41f397bddcf fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_edb66a41f397bddcf\"><a aria-expanded=\"false\" aria-controls=\"edb66a41f397bddcf\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-520-1\" data-target=\"#edb66a41f397bddcf\" href=\"#edb66a41f397bddcf\"><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\">\u00bfCu\u00e1nto puedo pedir prestado?<\/span><\/a><\/h4><\/div><div id=\"edb66a41f397bddcf\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_edb66a41f397bddcf\"><div class=\"panel-body toggle-content fusion-clearfix\">Su capacidad de endeudamiento depende de sus ingresos, de sus deudas y de dos coeficientes de endeudamiento \u2014 el GDS (gastos de vivienda, l\u00edmite de cerca del 39 % del ingreso) y el TDS (todas sus deudas, l\u00edmite de cerca del 44 %) \u2014 as\u00ed como de la tasa admisible de la prueba de resistencia. La calculadora le da el pago para un precio dado, lo que le ayuda a ubicar su presupuesto; para un monto preautorizado preciso, valide con su instituci\u00f3n financiera o su corredor hipotecario.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-9dfb1e3b33aaa2595 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_9dfb1e3b33aaa2595\"><a aria-expanded=\"false\" aria-controls=\"9dfb1e3b33aaa2595\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-520-1\" data-target=\"#9dfb1e3b33aaa2595\" href=\"#9dfb1e3b33aaa2595\"><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\">\u00bfQu\u00e9 son el GDS y el TDS, los coeficientes de endeudamiento?<\/span><\/a><\/h4><\/div><div id=\"9dfb1e3b33aaa2595\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_9dfb1e3b33aaa2595\"><div class=\"panel-body toggle-content fusion-clearfix\">Son los dos coeficientes que los prestamistas usan para evaluar su capacidad de endeudamiento. El <strong>GDS (servicio bruto de la deuda)<\/strong> compara sus gastos de vivienda \u2014 pago hipotecario, impuestos municipales y escolares, calefacci\u00f3n y 50 % de los gastos de copropiedad \u2014 con su ingreso bruto; el l\u00edmite es generalmente del <strong>39 %<\/strong>. El <strong>TDS (servicio total de la deuda)<\/strong> a\u00f1ade todas sus dem\u00e1s deudas (pr\u00e9stamo de auto, tarjetas de cr\u00e9dito, l\u00edneas de cr\u00e9dito, pensi\u00f3n); el l\u00edmite es generalmente del <strong>44 %<\/strong>. Dicho de otro modo, sus gastos de vivienda no deber\u00edan superar el 39 % de su ingreso bruto, y el conjunto de sus deudas el 44 %. Con la prueba de resistencia, estos coeficientes determinan el monto que un prestamista puede concederle. Valide su situaci\u00f3n con su instituci\u00f3n financiera o su corredor hipotecario.<\/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;\">\u00bfListo para pasar de la estimaci\u00f3n a la compra?<\/h2><\/div><div class=\"fusion-text fusion-text-6\" style=\"--awb-content-alignment:center;\"><p>Lo acompa\u00f1o de la precalificaci\u00f3n a la toma de posesi\u00f3n, y lo pongo en contacto con corredores hipotecarios de confianza. Hablemos de su proyecto \u2014 sin costo ni compromiso.<\/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=\"Hablar de mi proyecto de compra\" aria-label=\"Hablar de mi proyecto de compra\" href=\"\/es\/contacto\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Hablar de mi proyecto<\/span><\/a><\/div><div class=\"fusion-text fusion-text-7\" style=\"--awb-content-alignment:center;\"><p class=\"ec-hero-tel\">O llame \/ escriba: <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>, corredor inmobiliario residencial y comercial \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-520","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>Calculadora de Pago Hipotecario (Quebec) | Ernso Cl\u00e9us<\/title>\n<meta name=\"description\" content=\"Pago real con m\u00e9todo canadiense, prima CMHC e impuesto del 9 % de Quebec, efectivo total ante el notario. 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