RRSP mortgage Канада


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Mortgages

Choosing a mortgage, renewing your mortgage, paying off your mortgage faster and more.

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Services and information

How much you need for a down payment

The minimum amount you will need for a down payment toward the price of a home and mortgage loan insurance.

Getting pre-approved and qualifying for a mortgage

Where to get a mortgage, the pre-approval process, what lenders consider and more.

Choosing a mortgage that is right for you

Fixed and variable interest rates, mortgage terms, amortization periods and payment frequency.

Paying off your mortgage faster

Making lump-sum payments, increasing regular payments and keeping your payments the same when you renew.

Prepayment penalties

Prepayment privileges, when prepayment penalties apply and how they are calculated.

Renewing your mortgage

The steps to renew your mortgage.

Breaking your mortgage contract

Switching your mortgage to another lender, including the costs and benefits of breaking your contract.

Borrowing against home equity

Refinancing your home, home equity lines of credit and second mortgages.

Getting a home equity line of credit


Understanding home equity lines of credit, choosing and using a home equity line of credit.

Reverse mortgages

The pros and cons of reverse mortgages, how to qualify and other tips to keep in mind.

Planning your household budget

A budget worksheet to help you plan the costs of buying and maintaining a home.

Optional mortgage insurance products

Mortgage life insurance and mortgage disability and critical illness insurance.

Discharging a mortgage

What to expect, when to discharge your mortgage, how much it costs and where to get more information.

Mortgages: rights and responsibilities

Applying for a mortgage, making prepayments, renewing your mortgage and more.

Mortgage Qualifier Tool

Find out if you can qualify for a mortgage based on the property you want, your income and your expenses.

Mortgage Calculator

Calculate your mortgage payment schedule and how to save money by making prepayments.

10 способов сэкономить деньги в Канаде

  • 146 Поделились

Канада – недешевая страна, поэтому деньги здесь всегда нужны.

В этой статье мы расскажем, на что нужно обратить внимание, чтобы сэкономить и пополнить ваш бюджет.


1. Пользоваться бесплатными программами обучения от вашего работодателя

Некоторые канадские работодатели не только предлагают бесплатное профессиональное обучение, но также могут спонсировать дальнейшее образование своих сотрудников в других областях. Проконсультируйтесь с вашим отделом кадров и узнайте, сколько ваш работодатель готов заплатить, если вы захотите вернуться в университет. В конце концов, дополнительная квалификация может означать более высокую зарплату.

2. Пользоваться пособиями

Федеральное правительство предлагает различные программы пособий для людей с низким доходом – от пособий на детей до пособий для пожилых людей. Чтобы получить эти льготы, вы должны подать налоговые декларации.

3. Открывать RRSP

Если у вас еще нет RRSP, откройте его сейчас же. RRSP является наиболее популярным методом личных накоплений к пенсии, особенно, если вы не участвуете в пенсионном плане от работодателя. Сбережения в RRSP пользуются правом льготного налогообложения — вклады снижают налоги, и доходы от инвестиций не облагаются налогом.

4. Пользоваться RESP

С помощью RESP (накопительная программа для будущего образования) вы можете сэкономить на высшем образовании для своего ребенка. К моменту снятия денег со счета, сумма будет состоять из 1) денег, что вы туда положили, 2) грантов, что канадское государство добавило вам на счет, 3) прибыли, которая выросла на счету со временем. Эти взносы не подлежат налогообложению.

5. Использовать преимущества медицинской страховки

Медицинская страховка предназначена не только для неотложной медицинской помощи. Вы можете использовать ее для профилактических мер, которые, в свою очередь, помогут вам избежать проблем со здоровьем и ненужных трат в будущем.

6. Обращаться за налоговым вычетом

Вы можете сэкономить тысячи долларов, требуя налоговый вычет, на который вы имеете право. Для этого нужно не только подать налоговую декларацию, но и знать, как именно заполнять эти формы. Если вам сложно сделать это самому, обратитесь за помощью к финансовому консультанту.

7. Пользоваться кэшбэк-сайтами

Если вы регулярно совершаете покупки онлайн, стоит зарегистрироваться на сайтах с возвратом денег. Эти сайты будут возвращать вам процент от покупок в определенных интернет-магазинах. Это не большие деньги, но со временем накопится значимая сумма.

8. Использовать накопленные бонусы

У крупных компаний (авиакомпании, магазины и др.) есть программы, по которым начисляют бонусы за каждую покупку. Как правило, у этих бонусов есть срок действия, после которого они сгорают. Регулярно проверяйте свои бонусные балансы и тратьте начисления, пока их не аннулируют.

9. Пользоваться бесплатными образцами

Такие сайты, как Canadian Free Stuff, помогут вам найти бесплатные образцы товара – от косметики до билетов в кино.

10. Переходить на сторону “зеленых”

Провинциальные органы власти, а также федеральное правительство имеют несколько программ, направленных на повышение энергоэффективности и экологичности жизни. Например, они могут внести свой вклад в стоимость энергосберегающих улучшений для вашего дома. Или компенсируют $5000 каждому покупателю электромобиля.


Canada’s RRSP Home Buyer’s Plan

The Canadian Government’s Home Buyer’s Plan (HBP) was created to help Canadians, looking to purchase their first home, come up with the money they need to make a down payment. In Canada, if you’re looking to purchase a house you need to make a down payment that is at least 5% of the purchase price of the house. While 5% is the minimum required it is recommended that you make a 20% or higher down payment. Those who make a down payment that is less than 20% will have a high ratio mortgage and will require insurance.

This 20% rule can often make it more difficult for some Canadians to save enough money to make an appropriate down payment. The Home Buyer’s Plan aims to help out by allowing first-time home buyers to withdraw money from their RRSPs, tax-free, for a down payment (click here for more information about RRSPs).

Let’s take a look at the ins and outs of the Home Buyer’s Plan so you can make the best possible decision for your financial situation.

Need more help saving a down payment? Check out this article.

What is the Home Buyers’ Plan?

In order to participate in the HBP, you need to have an RRSP and have money saved within it. An RRSP is a type of savings account that is meant to help Canadians save for their retirements. Many people think of RRSPs as tax-free but in reality, they are tax sheltered. This means that when you go to withdraw from your RRSPs in the future you will be taxed.

The HBP allows you to withdraw from your RRSP and not get taxed. Basically, you’re giving yourself an interest and tax-free loans and therefore are required to pay back (to yourself) the amount you took from your RRSP.

How do I Know if I’m Eligible?

If you’re purchasing your first home then you are more than likely eligible to participate in the HBP. For those who have already owned a home or have lived in a house purchased by their partner, it is still possible to be eligible to participate in the HBP. If you’re looking to purchase a home this year (2020) then you can’t have owned (or lived in) a house within the last 4 years. Aside from this requirement, there are a few other conditions you need to meet:

Очень важная для вас статья:  .NET developer Торонто Канада

    You need to be a Canadian citizen or a permanent res >Is there a limit to the amount I can withdraw from my RRSP?

Yes, you cannot withdraw more than $35,000 to purchase a house through the HBP.

I want to buy a house with my significant other; can we both participate in the HBP?

Yes. You can both withdraw up to $35,000 from your RRSPs.

I’m eligible to participate in the HBP but my significant other isn’t, how will this affect us?

The person who is eligible to participate in the HBP can still withdraw up to $35,000 from their RRSP even if the other person who they are buying a house with is not eligible.

What can I expect from the HBP process?

The bank or financial institution that you’re working with will be able to help you through the HBP process. But here are a few important points to should know and keep in mind:

  • The money that you plan to withdraw from your RRSP must be in your RRSP account for at least 90 days.
  • You must make the withdrawal from your RRSP within 30 days of taking possession of your house. After 30 days the money you’ve withdraw won’t be eligible to use with the HBP.
  • You’ll need to fill out a T1036 form; your lender should be able to help you with this.

Can I Back Out of The HBP?


If you withdrew the money from your RRSP and purchased or built a qualifying home then you cannot back out of the HBP.

Is there ever a right time for you to buy a house? Read this article.

Repaying Your RRSP Withdrawal

The money you withdraw from your RRSP in order to participate in the Canadian HBP is like a loan, you’re technically lending yourself the money to make a down payment on a home. This means that you need to pay it back.

  • You won’t need to start repaying your RRSP withdrawal until 2 years after the initial withdrawal.
  • After the 2 year grace period you’ll have a maximum of 15 years to repay the full amount back into your RRSP.
  • Keep in mind that the government treats this as a loan, therefore will be keeping track of you and your payments.
  • If you don’t make the minimum payments, which is the total amount you took from your RRSP div >A Closer Look at How the HBP Repayment Works

Let’s say that you were able to withdraw the maximum amount, $35,000, from your RRSP in order to make a down payment on your home. Because the whole point of the HBP is to get the money tax free, the total amount of money you need to pay back is actually $35,000. You need to fully repay that amount with 15 years. Here’s how you can calculate your minimum yearly payments.

$35,000/ 15 (years) = $2, 333.33 per year

Keep in mind that this is simply the minimum amount you are required to pay. If you have the money you can always pay it back sooner.

Looking to pay off your mortgage early? Everything you need to know here.

How to Make the Right Choice for You

Whether or not you choose to use the Home Buyer’s Plan depends greatly on your financial situation, your financial needs and how you think your finances will look in the future. While we can’t make the decision for you, here are a few things you definitely need to consider before you make your final decision.

  • Will you be able to keep up with the yearly minimum payment?
  • Is it very important for you to have a larger down payment to avoid high ratio mortgage insurance?
  • Is participating in the HBP the only way you’ll be able to afford a reasonable down payment?
  • Is the tax-free growth that your RRSP creates more advantageous than a larger down payment?

Purchasing your first home means committing to a large financial burden, the Canadian Home Buyer’s Plan can be a great way to offset some of this burden. Again the choice is a personal one; just make sure you weigh the pros and cons based on your financial situation.

Canada: Maxing Out Your RRSP

When the calendar year draws to a close, many Canadians are deluged with advice, free and otherwise, about what to do with their registered retirement savings plan (RRSP). January marks a hazy line in contributions. It is the last chance for registered education savings plan (RESP) contributions and is also considered the time to max out any remaining room on your regular RRSPs, either by setting up financing (taking a loan) or transferring disposable income to your RRSP account (using cash). The soft limit of January is soon followed by the absolute line of March 1, the day your tax year resets as far as your RRSP contributions are concerned. In this article, we’ll look at some of the issues surrounding RRSP contributions.

Key Takeaways

  • Due to the high-interest rates, it is always better to pay down consumer debt—credit cards, lines of credit, car loans, etc.—before contributing to an RRSP.
  • Mortgages and student loans have lower interest, and there are circumstances in which paying them off while also contributing to an RRSP can make sense.

  • Generally, it’s not a good idea to take out a loan in order to contribute to an RRSP, but there are exceptions.

Paying Off Debt or Saving for Retirement?

Although most of the popular information on RRSPs make it sound like you should start one right after the doctor frees you from the womb, now is as good a time as any. The RRSP is often described as the best government-created program to assist citizens in preparing for retirement. If you were born after 1970, however, there is a very good chance that it will be the only government program when it comes time for you to retire.

The best way to start an RRSP is by regular contributions. These are automatic withdrawals that you can set for just after payday so that you’re never tempted to skip a month.

There is confusion over whether it is worth starting an RRSP while still owing on consumer loans (lines of credit, credit cards, car loans, etc.). From a numbers perspective, it is always more financially sound to pay down the debt first because servicing debt has a guaranteed rate of return in increased disposable income as the debt is reduced, whereas investing of any kind carries risk.

The easiest and best way to start an RRSP is by having regular, automatic withdrawals taken from your bank account directly after payday.

Paying Off Your Mortgage or Adding to the RRSP?

Mortgages and student loans fall into the gray area of debt when it comes to RRSPs. These debts are usually long term and low interest. Student loans even carry a tax deduction themselves. Again, from a numbers perspective, when you are young, paying down your mortgage should take priority over most investments. Paying down your mortgage faster now will save you a lot in interest payments in the future. As such, your mortgage should take priority, thanks to the guaranteed return you earn in interest savings.

This is a fact that most people find disagreeable for reasons outside of the numbers. There is a sense of future security that comes from maxing out your RRSP every year, regardless of whether you are making money in it or not. This desire to balance mortgage responsibility with the psychological edge of investing for retirement has led to many different tax strategies. One of the most popular is the system of maxing out your retirement savings plan and using your tax refund to make an extra payment on your mortgage. It keeps you in debt for longer than if you simply used the money against your mortgage instead of the RRSP limit, but it balances financial and psychological necessities.

There is nothing wrong with investing for retirement while paying your mortgage. Doing so is much better than piling up consumer debt while paying your mortgage. If you do decide to go all out on your mortgage, you will still have to switch later and go all out on your RRSP once your mortgage is paid off. You can’t cheat and make debt management count for retirement planning or vice versa, but the two are interlinked. In the end, this decision probably comes down to a personal choice.

Adding Debt to Increase Your RRSP

Should you borrow money to max out your RRSP? Generally, no. However, if you are like the vast majority of North Americans, you’ve borrowed to buy a car, furniture, a TV, or to do something else much more financially unwise than to max out your annual contribution. If your RRSP is your only investment vehicle, then you are better off borrowing to max it out and paying cash for something—a car, TV, etc.—that you intended to use borrowed funds to buy.

RRSP loans are of lower interest but not tax-deductible. If you have investments outside your RRSP, it might be better to max out your RRSP with available funds and then borrow for your other investment accounts. Borrowing to invest in non-RRSP accounts will result in another tax deduction for the interest on the loan you used to invest. This is an excellent strategy, but the end returns depend on your competency as an investor, regardless of whether the loan is tax-deductible. Basically, the goal is to minimize all debt, particularly high-interest, nondeductible debt.

Should you borrow to start your RRSP? That depends as much on personality as your age. If you are in your 20s or 30s, occupy a high tax bracket, and are a poor saver but a diligent debtor, then it may be beneficial in the long run. It may be the most painless way to increase your financial security. The deductions and the long-term compounding you’ll hopefully enjoy on your money will generally outweigh the burden of interest payments in this case. Banks cater to this strategy with very reasonable loan terms when the funds are going to be used in an RRSP. If you don’t fit the aforementioned category, though, it is better to go the slow-and-steady route of regular, automatic transfers.

The Bottom Line

Remember that the bank advisor who may be pushing for you to borrow is securing a safe return for his or her institution, not you. An RRSP contribution loan is the sweetest type of loan for a bank, because it usually offers good short-term returns with a lower risk of default than the majority of loans. At the same time, the numbers-only perspective is very limiting to personal finance as a whole. Perhaps there is someone living a life of perfect financial rationality, but it’s doubtful.

The truth is that as this year winds down, the only RRSP expert you can depend on is yourself. You know better than anyone else whether adding more debt to get a larger tax break is going to fit into your financial plan.

Contribute to RRSP or pay off mortgage?

Linda isn’t sure if her $25,000 should go towards debt or investments

Q: We have a small mortgage, only $80,000. Coming up for renewal at 2.35% for a five-year fixed rate. We have some money (approximately $25,000) that we can either put on the mortgage or invest or put into our RRSP. What is the best way to go?


A: Most of us have debt and most working adult Canadians will have RRSP and TFSA room. Some of us have group plans with matching contributions at work as well, just to complicate things. Making sure your cash flow is properly funneled is an important part of financial planning.

In your case, Linda, I note that you refer to your mortgage as a “small” mortgage. Small can be relative or based on your own perspective. If that feels like a small debt to you, that suggests to me that you’re not that “worried” about it. If someone has a modest mortgage relative to their home value, I would agree that’s less of a reason to focus on debt repayment versus investing. If you had 10% home equity, on the other hand, I’d be that much more inclined to build a bit of a buffer by paying down debt over investing.

I’m not sure if you mean your existing five-year mortgage is currently at 2.35% or that’s what you’ve been offered on your mortgage renewal. Either way, you should be able to get close on a fixed rate depending on your lender.

A quick way to think about debt repayment versus investing is to compare your interest rate to your expected rate of return. Say you have a $100 debt with a 2.35% interest rate. You’ll incur $2.35 of interest over the coming year. If you had the opportunity to invest that $100, you’d only need to earn $2.35 or a 2.35% return to have increased your net worth and be better off, right?

Unfortunately, the math is a bit more difficult than this rudimentary example, Linda. If you earn $2.35 of income in a non-registered account, it’s taxable. If what you earn is in a TFSA, it’s tax-free. If you earn it in an RRSP, it’s tax-deferred and you have to factor in the tax refund on the contribution and the eventual tax on the withdrawal.

Unless your RRSP or TFSA are maxed out, which I gather they are not, you shouldn’t be investing in a non-registered account (unless you have a group plan at work with a company match—always take that free money). I think in your case, your main options are RRSP or TFSA.

With an RRSP contribution of $25,000, you’re going to have a big tax deduction. You should consider whether that tax deduction would be more beneficial for you or your spouse, depending on your respective incomes and tax rates. I’d tend to focus personal RRSP contributions in the name of the higher income spouse.

A large deduction like that might be best to claim over two years, Linda. In other words, if a $25,000 deduction this year brought you down into a lower tax bracket, it might be advantageous to claim the deduction over two years. In Ontario, for example, if your taxable income is in the $80,000 – $90,000 range, your marginal tax bracket for an RRSP tax deduction could range from 31-43%. If you could take the full deduction in a 43% tax bracket in 2020 and 2020, rather than some of it at 31% in 2020, you could earn a 12% after-tax return by delaying the deduction. You would still make the contribution, but you don’t have to claim an RRSP deduction in the year it’s made. You can carry it forward.

With RRSPs, it’s not just as simple as comparing your expected return to your mortgage rate, but suffice to say that over the long run, you can generally earn a lower rate of return than your mortgage rate in an RRSP and still come out ahead. If your tax bracket is high, your risk tolerance for investing is high, your income in retirement is projected to be low or your timeline until return is long, these are factors that would help further reinforce an RRSP contribution over debt repayment.

TFSAs are a bit of a wildcard, because you can invest in a TFSA and then access the money for any variety of reasons—like paying down debt or making an RRSP contribution. A TFSA contribution could allow you to have the best of all worlds, keeping the savings accessible and then choosing debt repayment or RRSP contribution in the future, hopefully with a larger amount of money.

Without knowing all the facts in your situation, Linda, I might be inclined to lean towards an RRSP contribution due solely to the fact that your mortgage is modest and a MoneySense reader with a bit of money savvy can probably come out ahead in the long-run.

Both options are good ones, it’s just a matter of which is “more” good and more good is always a personal decision.

Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.

Свободные деньги, mortgage, RRSP и Tax Free Saving Account (TFSA)

Поближе к концу года многие сталкиваются с «вечным» финансовым вопросом относительно «лишних» денег. Кому-то выплатили «бонус», у кого-то просто появились свободные деньги, собранные за конкретный период. Прежде чем вы решите потратить их на поездку в отпуск или на покупки товаров длительного пользования, рекомендую обратить внимание на возможность:

  • погашения части ипотечной ссуды (mortgage),
  • снижения налогов путем внесения в индивидуальный пенсионный план (RRSP),
  • внесения на свободный от налогов счет (TFSA).

Ссуда на покупку жилья. Инвесторы с низким уровнем риска могут рассмотреть возможность внепланового погашения части mortgage. Через несколько лет ожидается высокая инфляция. Чем меньше будет ваш долг банку к моменту перезаключения сделки с высоким процентом, тем лучше будут себя «чуствовать» ваши финансы. При высокой ставке ссудного процента выплаты платежей могут возрасти в разы. Если до окончания срока фиксированного процента осталось год-два, я бы порекомендовал рассмотреть совместно с вашим финансовым советником, бухгалтером или мортгидж-специалистом возможность перезаключения договора с фиксированным процентом на последующие 5 лет. При этом не забудьте, что штраф банку за досрочное расторжение договора можно снизить на 20% или даже избежать.

Инвестирование в свой пенсионный план позволит сэкономить налоги, и сбереженную от налогов сумму можно использовать для погашения части ипотечной ссуды. Этот классический прием особенно актуален в период перед возрастающей инфляцией. Помните времена распада Советского Союза ? После него последовала высокая инфляция. Те счастливцы, которым удалось получить ссуды на покупку жилья, через несколько лет гасили такие ссуды зарплатой одного месяца. Можете вы сейчас представить, что зарплатой за один месяц вы гасите свой долг по недвижимости ? К такому моменту инвестиции должны сильно вырасти, гораздо выше, чем те 4-5%%, которые сегодня платят по mortgage. Инвесторы со средним уровнем риска вносят деньги в RRSP, а налоговый возврат – в погашение ипотеки. Более рисковые инвесторы не вкладывают возврат налогов в ипотеку, а покупают инвестиционные фонды. Для этого подходит как свободный от налогов счет (Tax Free Saving Account, TFSA), так и обычный — инвестиционный.

Свободный от налогов счет (TFSA) позволяет любому резиденту Канады старше 18 лет откладывать по пять тысяч каждый год, доход от инвестирования которых не облагается налогом. Если вы не успели в этом году, то в следующем можете инвестировать десять тысяч. Если собираетесь воспользоваться этими деньгами в недалеком будущем, лучше снимите деньги с TFSA в текущем году. Тогда взятую сумму в этом году можно будет вложить опять вместе с очередными пятью тысячами следующего года. Если вам надо выбрать в какой план положить деньги: в RRSP или в TFSA, руководствуйтесь простым правилом: с высоким уровнем доходов и налогов выгоднее RRSP. В то же время, если вам в ближайшее время понадобится забирать деньги из RRSP во времена платы высоких налогов, то лучше туда ничего не вкладывать.


Кстати, до сих пор многие ошибочно думают, что в TSFA деньги хранят только на «saving account». Правильно использовать такой счёт для всех разрешённых видов инвестиционных продуктов.

Если вы не уверены куда конкретно инвестировать сбережения и как правильно спланировать бюджет, обращайтесь к независимому финансовому советнику. В отличие от банка, независимому консультанту никто не диктует «свыше» какие инвестиции рекомендовать клиентам да и выбор у него в десятки раз превышает то, что могут предложить в банке.

Mortgage your home, not your life™

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Home is how you define it. It can be a place where you put down roots, a base camp for life’s adventures or the start of a legacy that can grow for generations. How you finance your home can have an effect on your lifestyle, your saving and spending habits, and your wealth building potential.

We’re here to help you get it right. Our Mortgage Specialists can help you integrate your home mortgages into life’s bigger picture, so that you can enjoy the freedom and flexibility you need to realize all of your dreams.

Save with some of Canada’s lowest mortgage rates!

Five year variable ** closed

2.94% (2.97% APR) *

Five year fixed closed

How can we help today?

Tell us what you’re looking for and we’ll get you on your way.

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How to apply

What you need to know before applying

  • You are at least the age of majority, 18 or 19 years of age depending on your province of residence
  • You are a Canadian resident
  • You will be asked to provide personal details and gross annual income (pre-tax)
  • You will be asked to consent to us obtaining your credit report
  • If you are applying for a joint loan, the co-applicant must complete the application. If there is more than one co-applicant, please call us to proceed at 1-866-609-4722
  • All mortgages are subject to standard credit approval.

Start pre-approval application

Need to talk?

Call: 1-866-609-4722

Lines are open Mon-Fri from 6am-6pm PT

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Beyond the bricks

How much can I afford

Explore your options with our mortgage calculator tools and get to know HSBC.

Your use of this site, including this application, is subject to the Website Use Agreement which includes important terms about the security of the information you submit by this application. Your use of this site signifies your agreement to the Website Use Agreement. Your information is not stored on our systems if you do not submit this application. Whether or not you submit your application, your personal information can still be displayed by clicking the back button. For security, it is advised that you close your browser after using this site.

* The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term assuming a property valuation fee of $300. APR means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and some non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same. Applications are subject to credit review and approval. This rate is only available for Residential (Conventional) and Equity Power Mortgages, a higher interest rate may apply in circumstances, but not limited to the following: the property is not owner-occupied, the amortization is greater than 25 years, and the debt service ratios exceed HSBC’s standard lending guidelines.

** The variable rate is equal to HSBC Prime Rate — 1.01%. The rate will change as HSBC’s Prime Rate changes. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch. Mortgage Rates above are applicable to First Mortgages only. Some restrictions apply.

1 High Ratio Mortgage is when customer obtains a personal mortgage with mortgage default insurance with HSBC Canada. Click terms and conditions for more details.

PANGEA Mortgage & Financing Solutions

25 Liberty Street, Suite 203, Toronto (ON), M6K 1A6, Canada

Сейчас ОТКРЫТО Время работы
ПН 09:00 – 21:00 СБ 09:00 – 21:00
ВТ 09:00 – 21:00 ВС 09:00 – 21:00
СР 09:00 – 21:00
ЧТ 09:00 – 21:00
ПТ 09:00 – 21:00
О нас PANGEA Mortgage & Financing Solutions Inc.

FSCO Lic. 12692 Описание PANGEA Mortgage & Financing Solutions is a leading Ontario mortgage brokerage serving high-performance professionals and entrepreneurs. Our team of highly qualified mortgage & financing professionals have access to over 40 lenders to get you the best terms & rate. Whether you are buying your very first home or your tenth rental property, we deliver unparalleled, white-glove service using the latest technology and ongoing education for our clients to make the most informed decisions. Experience the difference at PANGEA Mortgage & Financing Solutions. Contact us today at 1 855-683-4381.

Mortgages:
Residential Mortgages
Refinances
Switches
Commercial Mortgages
Construction Loans
2nd Mortgages
Private Mortgages

Financing:
Business Loans
Personal Loans
RRSP Loans
Investment Loans
Line of Credit
Alternative Financing Основана 2015 Продукты Residential & Commercial Mortgages, Private Lending, Line of Credit, Business Financing, Alternative Lending

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Ипотечное кредитование в Канаде

Наши услуги по ипотечному кредитованию для вас бесплатны

Ипотека в Канаде для иностранных граждан

Одной из причин, почему наших соотечественнико в, а также выходцев из других стран привлекает недвижимость Канады, является возможность получения ипотеки в местном банке. Канадские финансовые учреждения благосклонно относятся к потенциальным заемщикам-нерези дентам и охотно разрабатывают для них программы ипотечного кредитования.

Вы можете обратиться за ипотекой в банк самостоятельно, начать сотрудничество с ипотечными брокерами, способными предложить лучшие условия кредитования, а также обратиться за помощью в специализированн ые центры, которые предлагают помощь иммигрантам и нерезидентам.

Отличительная черта всех банков Канады – индивидуальный подход к заемщику. Ваша заявка на ипотеку будет изучаться предельно внимательно. Но, как правило, ипотеку нерезидентам все же дают, но только в размере 60-65% от первоначальной стоимости объекта. То есть у вас на руках должно быть порядка 40% наличных средств для оплаты объекта недвижимости.

Ипотечное кредитование: стандартные условия

Ипотека в Канаде в настоящее время выдается на следующих условиях:

  • процентные ставки — от 2.1 до 2.8 % годовых;
  • максимальный срок кредитования – 25 лет;
  • сумма займа для нерезидентов – до 65%, в зависимости от банковского учреждения.

Стоит отметить также, что для ВИП-клиентов и клиентов с чистой, незапятнанной кредитной историей устанавливаются особые ставки по ипотеке. Поэтому имеет смысл стать клиентом специализированн ой компании или брокера, которые также могут рассчитывать на выгодные условия ипотечного кредитования.

Для оформления ипотеки в Канаде вам потребуется:

  • паспорт, но не внутренний российский, а заграничный;
  • второй документ, удостоверяющий вашу личность: чаще всего это водительские права;
  • счет в банке с размещенными на нем средствами, предназначенными для покупки недвижимости: необходимо, чтобы эти средства пролежали на счету в течение 30 дней;
  • справка о доходах – требуется не во всех банках, но может стать необходимой;
  • заявление о выдаче ипотечного кредита.

Достоинства канадского ипотечного кредитования

Какие же выгоды открывает ипотека в Канаде нашим соотечественника м? Достоинств много, вот самые главные из них:

  • Привлекательные условия кредитования. Согласитесь, процентная ставка на уровне 2-3% — это гораздо выгоднее, чем ипотека в российских банках, выдающаяся минимум под 12% годовых.
  • Недвижимость за рубежом. Если вы хотите выгодно инвестировать денежные средства или жить в Канаде, удобнее для этого использовать собственную, а не арендную недвижимость. В конце концов, квартира за границей еще никому не мешала.
  • Эффективное управление денежными средствами. Даже несмотря на колебания экономики в стране рынок недвижимости демонстрирует свою устойчивость и стабильность, что в будущем и обеспечит вас дополнительным доходом.

Если вы хотите быстро оформить ипотеку в Канаде, обратитесь за помощью в компанию CanadaGo. Наши специалисты проконсультируют вас по всем вопросам, касающимся оформления ипотеки в одном из канадских банков, а также помогут выбрать объект недвижимости и собрать документы. Мы работаем быстро и обладаем огромным опытом работы в данной сфере.

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