What are the CMHC insurance premium tiers?

Premiums are 4.00% for 5-9.99% down, 3.10% for 10-14.99% down, and 2.80% for 15-19.99% down, added directly to your mortgage balance.

Is sales tax charged on CMHC insurance premiums?

Yes, in Ontario (8% PST) and Quebec (9% QST), provincial sales tax on the premium must be paid in cash at closing and cannot be added to the mortgage.

KanadaCMHC Mortgage Default Insurance (Down < 20%)Finans

Canada CMHC Mortgage Loan Default Insurance Calculator

Calculate Canada Mortgage and Housing Corporation (CMHC / Sagen / Canada Guaranty) mandatory mortgage default insurance premiums for high-ratio home purchases with less than 20% down payment (2.80% to 4.00% added to loan amount + provincial sales tax).

Gayrimenkul ve Emlak Konut Kredisi Konut ve Yaşam

Hesaplama Girdileri

Anlık Canlı Hesaplama

Home Purchase Price (CAD $ - Under $1M for CMHC)

CAD $

Hızlı seçim:

Cash Down Payment Amount (CAD $)

CAD $

Hızlı seçim:

Hesaplanan SonuçCMHC Mortgage Default Insurance (Down < 20%)

Total Mortgage Amount Financed (Base Loan + CMHC Premium)

634,400CAD $

CMHC Insurance Premium Added to Mortgage

24,400 CAD $

Provincial Sales Tax on CMHC Due in Cash at Closing (8% in Ontario)

1,952 CAD $

Ayrıntılı Hesaplama Dökümü

Base Mortgage

610,000 CAD $

CMHC Premium

24,400 CAD $

Total Financed Loan

634,400 CAD $

Hesaplama Metodolojisi

CMHC Premium Rate: 5% to 9.99% down = 4.00%, 10% to 14.99% down = 3.10%, 15% to 19.99% down = 2.80%, 20%+ down = 0%. Premium ($) = Base Loan * CMHC Rate%. Total Loan Financed = Base Loan + CMHC Premium.

Yasal ve Bilgilendirici Uyarı

Homes priced at $1,000,000 or more do not qualify for CMHC insured mortgages and require a minimum 20% down payment. In Ontario and Quebec, provincial sales tax (8% or 9%) on the CMHC premium is due in cash at closing.

Bu hesaplayıcı yalnızca eğitim ve bilgilendirme amaçlıdır. Sonuçlar bağlayıcı finansal veya hukuki tavsiye niteliği taşımaz.

Sıkça Sorulan Sorular

5% on the first $500,000 of purchase price, and 10% on the portion between $500,000 and $999,999. Homes of $1,000,000 or more require 20% down.

İlgili Hesaplayıcılar

Mevcut hesaplamanıza göre önerilen araçlar ve hesaplayıcılar

Tüm araçları keşfedin

Kanada

Canada CMHC Mortgage Loan Default Insurance Calculator

Hesaplama Girdileri

Ayrıntılı Hesaplama Dökümü

Hesaplama Metodolojisi

Yasal ve Bilgilendirici Uyarı

Sıkça Sorulan Sorular

İlgili Hesaplayıcılar

Canada Land Transfer Tax (Ontario LTT & Toronto MLTT) Calculator

Canada First Home Savings Account (FHSA) Tax Deduction & House Fund Calculator

Canada Capital Gains Tax & Two-Tier Inclusion Rate Calculator (50% vs. 66.7%)

Canada Federal & Provincial Combined Income Tax Calculator

Canada Auto Lease Monthly Payment & Provincial Sales Tax Calculator

Canada GST, HST & PST Provincial Sales Tax Calculator

US Private Mortgage Insurance (PMI) Monthly Cost & Cancellation Calculator

US Home Buyer & Seller Real Estate Closing Costs Calculator