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Centre d'aide

À quoi sert une mise de fonds?

La mise de fonds est le montant que vous devez verser au moment de l’achat d’une propriété. Le prêt hypothécaire couvre le reste du prix d’achat.

La mise de fonds minimale est de :

5 % pour les maisons de 500 000 $ ou moins.
10 % pour la portion excédant 500 000 $.
10 % si la propriété compte plus de 2 logements (triplex, quadruplex, immeuble à logement).
20 % pour les propriétés de 1 million de dollars et plus.
20 % lorsque vous prenez une portion sous forme de marge de crédit hypothécaire.

Saviez-vous que vous pouvez utiliser vos REER pour financer votre mise de fonds? Découvrez le Régime d’accession à la propriété (RAP).

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Astuce!

Depuis le 2 septembre 2019, la SCHL et la Stratégie nationale sur le logement proposent plusieurs mesures incitatives pour venir en aide aux acheteurs d’une première propriété. Pour en savoir plus, consultez notre article.

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