{"id":51871,"date":"2023-12-11T20:11:32","date_gmt":"2023-12-11T20:11:32","guid":{"rendered":"https:\/\/yanicksarrazin.com\/?p=51871"},"modified":"2024-08-12T19:29:58","modified_gmt":"2024-08-12T19:29:58","slug":"mortgages-understanding-them-better-for-a-real-estate-purchase-2","status":"publish","type":"post","link":"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/","title":{"rendered":"Mortgages : understanding them better for a real estate purchase"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"51871\" class=\"elementor elementor-51871\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0cfd3c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0cfd3c2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94d899e stretch-to-none\" data-id=\"94d899e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58d8061 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"58d8061\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tMortgages : understanding them better for a real estate purchase- Key Information\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__58d8061\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__58d8061\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__58d8061\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7a4774 elementor-widget elementor-widget-text-editor\" data-id=\"c7a4774\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/yanicksarrazin.com\/en\/our-properties\/\">The acquisition of property<\/a> constitutes a pivotal moment in an individual&#8217;s life. However, most people engaged in this process do not have adequate financial resources to cover the entire purchase cost through their personal savings. To overcome this financial disparity, resorting to a loan becomes essential. <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/choose-mortgage.html\">A mortgage<\/a> then serves as a means to seek funds from a banking institution, thereby facilitating the acquisition of real estate.<\/span><\/p><p><span style=\"font-weight: 400;\">But what exactly is the mechanism behind mortgages? <a href=\"https:\/\/mortgage.rbc.com\/eric.tomassini-miron\">Eric Tomassini-Miron<\/a>, an experienced mortgage broker at RBC Royal Bank, addresses all your questions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42d5978 elementor-widget elementor-widget-heading\" data-id=\"42d5978\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">What is a mortgage?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89f34e9 elementor-widget elementor-widget-text-editor\" data-id=\"89f34e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A mortgage, commonly referred to as a home loan, is a financing solution that enables obtaining funds from a bank, thereby facilitating the process of acquiring a property. This form of financing encompasses the difference between the total cost of the property and the amount of the down payment.<\/span><\/p><p><span style=\"font-weight: 400;\">Before approving the mortgage, the bank conducts a thorough assessment of your repayment capacity. This step ensures that the granted amount aligns with your financial resources, ensuring the successful realization of your real estate acquisition.<\/span><\/p><p><span style=\"font-weight: 400;\">In the context of purchasing a first property, it is also possible to take advantage of a <a href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/news\/the-tfsapp-or-the-tax-free-savings-account-for-the-purchase-of-a-first-property\/\">FHSA (<\/a><\/span><span style=\"font-weight: 400;\">Tax-Free First Home Savings Account<\/span><span style=\"font-weight: 400;\">). This option provides an opportunity to save specifically to build the necessary down payment for the purchase of a first property<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d52ca47 elementor-widget elementor-widget-heading\" data-id=\"d52ca47\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">How does a mortgage work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd5317d elementor-widget elementor-widget-text-editor\" data-id=\"bd5317d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/choose-mortgage.html\">A mortgage<\/a>, similar to a car loan, for example, represents a loan where predetermined payment amounts must be repaid each month. The notable advantage of a mortgage is that financial institutions offer much more attractive interest rates than other more common credit products such as lines of credit or credit cards.<\/p><p><span style=\"font-weight: 400;\">Unlike a car loan, a mortgage comes with several repayment rules that must be adhered to. When acquiring a property, you will face several crucial choices regarding your mortgage, including amortization, mortgage term, and the type of <a href=\"https:\/\/www.bankofcanada.ca\/rates\/interest-rates\/?theme_mode=light&amp;_gl=1*1j8k6hg*_ga*MTc4NTYwNDIzLjE3MDE3MjA4Mjk.*_ga_D0WRRH3RZH*MTcwMjA1MDc5NC4yLjAuMTcwMjA1MDc5NC42MC4wLjA.\">interest rate<\/a>. At this stage, your financial advisor will be able to guide you towards options better suited to your situation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a458f6 elementor-widget elementor-widget-html\" data-id=\"7a458f6\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<center><blockquote class=\"instagram-media\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/C2fH_JMri1o\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/reel\/C2fH_JMri1o\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div><\/div><\/div><div style=\"padding: 19% 0;\"><\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 C518.846,70.057 518.197,69.06 517.654,67.663 C517.244,66.606 516.755,65.022 516.623,62.101 C516.479,58.943 516.448,57.996 516.448,50 C516.448,42.003 516.479,41.056 516.623,37.899 C516.755,34.978 517.244,33.391 517.654,32.338 C518.197,30.938 518.846,29.942 519.894,28.894 C520.942,27.846 521.94,27.196 523.338,26.654 C524.393,26.244 525.979,25.756 528.898,25.623 C532.057,25.479 533.004,25.448 541,25.448 C548.997,25.448 549.943,25.479 553.102,25.623 C556.021,25.756 557.607,26.244 558.662,26.654 C560.06,27.196 561.058,27.846 562.106,28.894 C563.154,29.942 563.803,30.938 564.346,32.338 C564.756,33.391 565.244,34.978 565.378,37.899 C565.522,41.056 565.552,42.003 565.552,50 C565.552,57.996 565.522,58.943 565.378,62.101 M570.82,37.631 C570.674,34.438 570.167,32.258 569.425,30.349 C568.659,28.377 567.633,26.702 565.965,25.035 C564.297,23.368 562.623,22.342 560.652,21.575 C558.743,20.834 556.562,20.326 553.369,20.18 C550.169,20.033 549.148,20 541,20 C532.853,20 531.831,20.033 528.631,20.18 C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631\"><\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">Voir cette publication sur Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/reel\/C2fH_JMri1o\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\">Une publication partag\u00e9e par YE\/SARRAZIN | Courtiers immobiliers (@yesarrazin)<\/a><\/p><\/div><\/blockquote> <script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ff6a76 elementor-widget elementor-widget-heading\" data-id=\"2ff6a76\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">What is an amortization period?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-271de20 elementor-widget elementor-widget-text-editor\" data-id=\"271de20\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/mortgage-terms-amortization.html\">The amortization of your mortgage<\/a> refers to the number of years you plan to dedicate to the full repayment of your loan. By spreading your loan over a longer period, you effectively reduce the amount of your monthly payments. In Canada, the maximum amortization period for a mortgage depends on the amount of your down payment. If your down payment is less than 20% of the purchase price, the maximum amortization period is 25 years. On the other hand, if you can make a down payment equal to or greater than 20%, you have the option to choose a 30-year amortization. Additionally, your bank may offer accelerated repayment options for your mortgage in case your financial situation changes along the way.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5705767 elementor-widget elementor-widget-heading\" data-id=\"5705767\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">What is a mortgage term?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b03bcf7 elementor-widget elementor-widget-text-editor\" data-id=\"b03bcf7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Once you have determined the optimal amortization period for your loan, it is then essential to choose <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/mortgage-terms-amortization.html\">the term of your initial contract<\/a>. In Canada, you will not maintain the same interest rate throughout the duration of your loan. Instead, shorter contracts allow you to renegotiate new terms with your bank at the end of each term. You have the option to choose terms ranging from 1 year to 10 years.<\/span><\/p><p><span style=\"font-weight: 400;\">This flexible approach gives you the opportunity to react to fluctuations in interest rates. For instance, if interest rates are high at the time of your purchase, you can opt for a shorter term. Then, you can renegotiate a new interest rate in a few years when rates may potentially be lower. This strategy allows you to adjust your contract based on changing economic conditions<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97b1117 elementor-widget elementor-widget-html\" data-id=\"97b1117\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<center><blockquote class=\"instagram-media\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/C2kQn8gLNYz\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/reel\/C2kQn8gLNYz\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div><\/div><\/div><div style=\"padding: 19% 0;\"><\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 C518.846,70.057 518.197,69.06 517.654,67.663 C517.244,66.606 516.755,65.022 516.623,62.101 C516.479,58.943 516.448,57.996 516.448,50 C516.448,42.003 516.479,41.056 516.623,37.899 C516.755,34.978 517.244,33.391 517.654,32.338 C518.197,30.938 518.846,29.942 519.894,28.894 C520.942,27.846 521.94,27.196 523.338,26.654 C524.393,26.244 525.979,25.756 528.898,25.623 C532.057,25.479 533.004,25.448 541,25.448 C548.997,25.448 549.943,25.479 553.102,25.623 C556.021,25.756 557.607,26.244 558.662,26.654 C560.06,27.196 561.058,27.846 562.106,28.894 C563.154,29.942 563.803,30.938 564.346,32.338 C564.756,33.391 565.244,34.978 565.378,37.899 C565.522,41.056 565.552,42.003 565.552,50 C565.552,57.996 565.522,58.943 565.378,62.101 M570.82,37.631 C570.674,34.438 570.167,32.258 569.425,30.349 C568.659,28.377 567.633,26.702 565.965,25.035 C564.297,23.368 562.623,22.342 560.652,21.575 C558.743,20.834 556.562,20.326 553.369,20.18 C550.169,20.033 549.148,20 541,20 C532.853,20 531.831,20.033 528.631,20.18 C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631\"><\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">Voir cette publication sur Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/reel\/C2kQn8gLNYz\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\">Une publication partag\u00e9e par YE\/SARRAZIN | Courtiers immobiliers (@yesarrazin)<\/a><\/p><\/div><\/blockquote> <script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e088fa0 elementor-widget elementor-widget-heading\" data-id=\"e088fa0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">What are the different types of interest rates?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6da5e3 elementor-widget elementor-widget-text-editor\" data-id=\"a6da5e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Once you have determined the amortization and term that suit you, you will be faced with the choice between two types of interest rates: <a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/mortgage-rates.html\">fixed rate<\/a> and <a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/mortgage-rates.html\">variable rate.<\/a><\/span><\/p><p><span style=\"font-weight: 400;\">The fixed rate is relatively straightforward; it remains constant throughout the duration of your term, regardless of subsequent fluctuations in interest rates after the contract is signed. Opting for a fixed rate ensures predictability with consistent monthly payments throughout your term.<\/span><\/p><p><span style=\"font-weight: 400;\">In contrast, the variable rate is not fixed; it is subject to change multiple times during the period of your term. By choosing a variable rate, you accept the possibility that your interest rate may increase or decrease based on economic trends in Canada, impacting the amount of your payments throughout the term.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-995aec2 elementor-widget elementor-widget-html\" data-id=\"995aec2\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<center><blockquote class=\"instagram-media\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/C20Qu8JAuK5\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/reel\/C20Qu8JAuK5\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div><\/div><\/div><div style=\"padding: 19% 0;\"><\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 C518.846,70.057 518.197,69.06 517.654,67.663 C517.244,66.606 516.755,65.022 516.623,62.101 C516.479,58.943 516.448,57.996 516.448,50 C516.448,42.003 516.479,41.056 516.623,37.899 C516.755,34.978 517.244,33.391 517.654,32.338 C518.197,30.938 518.846,29.942 519.894,28.894 C520.942,27.846 521.94,27.196 523.338,26.654 C524.393,26.244 525.979,25.756 528.898,25.623 C532.057,25.479 533.004,25.448 541,25.448 C548.997,25.448 549.943,25.479 553.102,25.623 C556.021,25.756 557.607,26.244 558.662,26.654 C560.06,27.196 561.058,27.846 562.106,28.894 C563.154,29.942 563.803,30.938 564.346,32.338 C564.756,33.391 565.244,34.978 565.378,37.899 C565.522,41.056 565.552,42.003 565.552,50 C565.552,57.996 565.522,58.943 565.378,62.101 M570.82,37.631 C570.674,34.438 570.167,32.258 569.425,30.349 C568.659,28.377 567.633,26.702 565.965,25.035 C564.297,23.368 562.623,22.342 560.652,21.575 C558.743,20.834 556.562,20.326 553.369,20.18 C550.169,20.033 549.148,20 541,20 C532.853,20 531.831,20.033 528.631,20.18 C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631\"><\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">Voir cette publication sur Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/reel\/C20Qu8JAuK5\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\">Une publication partag\u00e9e par YE\/SARRAZIN | Courtiers immobiliers (@yesarrazin)<\/a><\/p><\/div><\/blockquote> <script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9d8132 elementor-widget elementor-widget-heading\" data-id=\"f9d8132\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">What is the frequency of mortgage payments?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21bdad6 elementor-widget elementor-widget-text-editor\" data-id=\"21bdad6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Most banks offer similar options regarding the frequency of mortgage payments. Among the most common choices are monthly, bi-weekly, or weekly payments. Regardless of the option you choose, the total amount paid in a year remains the same. However, it is relevant to note that if you opt for bi-weekly or weekly payments, you will repay your loan slightly faster compared to a monthly payment.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8859519 elementor-widget elementor-widget-heading\" data-id=\"8859519\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Can you provide an example calculation to illustrate potential mortgage payments on a property valued at $600,000?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e25329 elementor-widget elementor-widget-text-editor\" data-id=\"2e25329\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you purchase a property for $600,000 with a down payment of 20%, that is $120,000 (20% of $600,000), resulting in a loan of $480,000. With an amortization period of 25 years and a fixed 3-year rate at 6.25%, this translates to a monthly payment of $3,142, a bi-weekly payment of $1,450, and a weekly payment of $725.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d52c188 elementor-widget elementor-widget-html\" data-id=\"d52c188\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<center><blockquote class=\"instagram-media\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/C3At01nMcZr\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/reel\/C3At01nMcZr\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div><\/div><\/div><div style=\"padding: 19% 0;\"><\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\" 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570.82,37.631\"><\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">Voir cette publication sur Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/reel\/C3At01nMcZr\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\">Une publication partag\u00e9e par YE\/SARRAZIN | Courtiers immobiliers (@yesarrazin)<\/a><\/p><\/div><\/blockquote> <script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6983561 elementor-widget elementor-widget-spacer\" data-id=\"6983561\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9d24af9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d24af9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ffa8548 stretch-to-none\" data-id=\"ffa8548\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4793dd elementor-widget elementor-widget-text-editor\" data-id=\"c4793dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>This article was written in collaboration with <a href=\"https:\/\/mortgage.rbc.com\/eric.tomassini-miron\">Eric Tomassini-Mirion<\/a>, a mortgage specialist at RBC Royal Bank.<\/em><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b11cd68 elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b11cd68\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/mortgage.rbc.com\/eric.tomassini-miron\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Eric Tomassini-Miron, RBC Royal Bank<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/eric.tomassini-miron@rbc.com\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-envelope\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">eric.tomassini-miron@rbc.com<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0ea4d6d stretch-to-none\" data-id=\"0ea4d6d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-00c29fe elementor-widget elementor-widget-image\" data-id=\"00c29fe\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"257\" height=\"300\" src=\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2023\/12\/Photo-Profesionnel-5-3-257x300.jpg\" class=\"attachment-medium size-medium wp-image-51561\" alt=\"Eric Tomassini-Miron - Courtier hypoth\u00e9caire RBC\" srcset=\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2023\/12\/Photo-Profesionnel-5-3-257x300.jpg 257w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2023\/12\/Photo-Profesionnel-5-3-878x1024.jpg 878w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2023\/12\/Photo-Profesionnel-5-3-768x895.jpg 768w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2023\/12\/Photo-Profesionnel-5-3-1318x1536.jpg 1318w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2023\/12\/Photo-Profesionnel-5-3.jpg 1677w\" sizes=\"(max-width: 257px) 100vw, 257px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d39634 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1d39634\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd7c2fe elementor-widget elementor-widget-text-editor\" data-id=\"cd7c2fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In conclusion, <a href=\"https:\/\/yanicksarrazin.com\/en\/our-properties\/\">the purchase of a property<\/a> represents a significant milestone in everyone&#8217;s life, often marked by the need to resort to a mortgage to overcome the lack of immediate financial resources. <a href=\"https:\/\/mortgage.rbc.com\/eric.tomassini-miron\">Eric Tomassini-Miron,<\/a> an experienced mortgage specialist at RBC Royal Bank, sheds light on the complexities of this process.<\/span><\/p><p><span style=\"font-weight: 400;\">The mortgage, as a borrowing instrument, provides the opportunity to acquire a property by seeking funds from a banking institution. Determining the appropriate amortization period and mortgage term are crucial steps in this process. Amortization, dictating the number of years required for total repayment, may vary based on the down payment, while the mortgage term, offering renegotiation flexibility at the end of each contract, allows for loan adjustments based on interest rate fluctuations.<\/span><\/p><p><span style=\"font-weight: 400;\">The types of interest rates, fixed or variable, add another layer of choices to consider. The fixed rate provides stability with constant payments throughout the term, while the variable rate exposes borrowers to fluctuations based on economic trends, thus influencing the payment amounts.<\/span><\/p><p><span style=\"font-weight: 400;\">Finally, the frequency of payments, whether monthly, bi-weekly, or weekly, offers flexibility without impacting the total amount paid annually. Opting for more frequent payments, however, can accelerate <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/pay-mortgage-faster.htm\">the loan repayment<\/a>.<\/span><\/p><p><span style=\"font-weight: 400;\">In summary, choosing a mortgage requires a thorough understanding of its various aspects, and the expertise of a financial advisor can greatly assist in navigating this complex and important process of real estate acquisition.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13c4def elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"13c4def\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c81b63f elementor-widget elementor-widget-spacer\" data-id=\"c81b63f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-383d023 elementor-widget elementor-widget-heading\" data-id=\"383d023\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-large\">Read more real estate information<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01fe5a4 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"01fe5a4\" data-element_type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:38,&quot;sizes&quot;:[]},&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-76945 post type-post status-publish format-standard has-post-thumbnail hentry category-buyer-information category-montreal-en category-real-estate-information tag-co-ownership tag-condominiums tag-plateau-en tag-plateau-mont-royal-4 tag-real-estate tag-real-estate-broker-montreal tag-real-estate-condos tag-real-estate-information tag-real-estate-montreal tag-rosemont-en tag-rosemont-la-petite-patrie-5 tag-villeray-en\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/co-ownership-advantages-and-disadvantages\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/05\/Yanick-Sarrazin-52-1-1-300x200.jpg\" class=\"attachment-medium size-medium wp-image-76916\" alt=\"\" srcset=\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/05\/Yanick-Sarrazin-52-1-1-300x200.jpg 300w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/05\/Yanick-Sarrazin-52-1-1-1024x683.jpg 1024w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/05\/Yanick-Sarrazin-52-1-1-768x512.jpg 768w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/05\/Yanick-Sarrazin-52-1-1-760x510.jpg 760w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/05\/Yanick-Sarrazin-52-1-1-1536x1024.jpg 1536w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/05\/Yanick-Sarrazin-52-1-1-2048x1365.jpg 2048w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/05\/Yanick-Sarrazin-52-1-1-scaled-600x400.jpg 600w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Buyer Information<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h1 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/co-ownership-advantages-and-disadvantages\/\" >\n\t\t\t\tCo-ownership: advantages and disadvantages\t\t\t<\/a>\n\t\t<\/h1>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>In Montreal &#8211; whether in the Plateau Mont-Royal, Rosemont La Petite-Patrie or Villeray areas &#8211; you&#8217;ll find a large number of properties available in divided<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/co-ownership-advantages-and-disadvantages\/\" aria-label=\"Read more about Co-ownership: advantages and disadvantages\" tabindex=\"-1\" >\n\t\t\tLire la suite \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t16 May 2025\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-75445 post type-post status-publish format-standard has-post-thumbnail hentry category-buyer-information category-real-estate-information tag-buyer tag-buyer-information tag-financial-takeovers tag-montreal-en tag-real-estate tag-real-estate-broker-montreal tag-real-estate-information tag-real-estate-montreal\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/real-estate-information\/financial-repossession-advantages-and-disadvantages\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/9403_ecote-1-1-300x200.jpg\" class=\"attachment-medium size-medium wp-image-75435\" alt=\"\" srcset=\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/9403_ecote-1-1-300x200.jpg 300w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/9403_ecote-1-1-1024x683.jpg 1024w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/9403_ecote-1-1-768x512.jpg 768w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/9403_ecote-1-1-760x510.jpg 760w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/9403_ecote-1-1-1536x1024.jpg 1536w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/9403_ecote-1-1-2048x1365.jpg 2048w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/9403_ecote-1-1-scaled-600x400.jpg 600w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Buyer Information<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h1 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/real-estate-information\/financial-repossession-advantages-and-disadvantages\/\" >\n\t\t\t\tFinancial repossession: advantages and disadvantages\t\t\t<\/a>\n\t\t<\/h1>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>If you&#8217;re looking for your new home, chances are you&#8217;ve already noticed the Repossession search criterion on Centris, which allows you to filter the properties<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/real-estate-information\/financial-repossession-advantages-and-disadvantages\/\" aria-label=\"Read more about Financial repossession: advantages and disadvantages\" tabindex=\"-1\" >\n\t\t\tLire la suite \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t25 April 2025\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-75229 post type-post status-publish format-standard has-post-thumbnail hentry category-buyer-information category-real-estate-news-buyer-information category-seller-information tag-buyer tag-buyer-information tag-key-interest-rate tag-real-estate tag-real-estate-broker-montreal tag-real-estate-montreal tag-seller tag-seller-information\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/real-estate-news-buyer-information\/key-interest-rate-maintained-at-2-75-a-favorable-environment-for-the-real-estate-market\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/collov-home-design-js8AQlw71HA-unsplash-1-300x225.jpg\" class=\"attachment-medium size-medium wp-image-75189\" alt=\"\" srcset=\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/collov-home-design-js8AQlw71HA-unsplash-1-300x225.jpg 300w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/collov-home-design-js8AQlw71HA-unsplash-1-1024x768.jpg 1024w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/collov-home-design-js8AQlw71HA-unsplash-1-768x576.jpg 768w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/collov-home-design-js8AQlw71HA-unsplash-1-1536x1152.jpg 1536w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/collov-home-design-js8AQlw71HA-unsplash-1-2048x1536.jpg 2048w, https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2025\/04\/collov-home-design-js8AQlw71HA-unsplash-1-scaled-600x450.jpg 600w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Buyer Information<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h1 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/real-estate-news-buyer-information\/key-interest-rate-maintained-at-2-75-a-favorable-environment-for-the-real-estate-market\/\" >\n\t\t\t\tKey interest rate maintained at 2.75%: A favorable environment for the real estate market!\t\t\t<\/a>\n\t\t<\/h1>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Montreal, April 16, 2025 &#8211; The Bank of Canada has decided to maintain its key rate at 2.75%. This stability is explained by economists&#8217; desire<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/real-estate-news-buyer-information\/key-interest-rate-maintained-at-2-75-a-favorable-environment-for-the-real-estate-market\/\" aria-label=\"Read more about Key interest rate maintained at 2.75%: A favorable environment for the real estate market!\" tabindex=\"-1\" >\n\t\t\tLire la suite \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t16 April 2025\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mortgages : understanding them better for a real estate purchase- Key Information The acquisition of property constitutes a pivotal moment in an individual&#8217;s life. However, most people engaged in this process do not have adequate financial resources to cover the entire purchase cost through their personal savings. To overcome this financial disparity, resorting to a [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":61141,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[606,604],"tags":[598,1086,1085,18,564,546,542],"class_list":["post-51871","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyer-information","category-real-estate-information","tag-buyer-information","tag-mortgage","tag-mortgage-broker","tag-real-estate","tag-real-estate-broker","tag-real-estate-information","tag-real-estate-montreal"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgages : understanding them better for a real estate purchase - Courtier Immobilier Montr\u00e9al Yanick E Sarrazin<\/title>\n<meta name=\"description\" content=\"The mortgage is important in real estate. 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It is a way to request funds from a banking institution to purchase a property.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Courtier Immobilier Montr\u00e9al Yanick E Sarrazin\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/fr-ca.facebook.com\/yesimmobilier.realestate\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-11T20:11:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-12T19:29:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2023\/12\/yanick-sarrazin-14-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Courtier immobilier \u00e0 Montr\u00e9al\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ye_sarrazin\" \/>\n<meta name=\"twitter:site\" content=\"@ye_sarrazin\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Courtier immobilier \u00e0 Montr\u00e9al\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/\"},\"author\":{\"name\":\"Courtier immobilier \u00e0 Montr\u00e9al\",\"@id\":\"https:\/\/yanicksarrazin.com\/en\/#\/schema\/person\/15a42a16dfa774ba0f1de5d83b042453\"},\"headline\":\"Mortgages : understanding them better for a real estate purchase\",\"datePublished\":\"2023-12-11T20:11:32+00:00\",\"dateModified\":\"2024-08-12T19:29:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/\"},\"wordCount\":1205,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/yanicksarrazin.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2023\/12\/yanick-sarrazin-14-scaled.jpg\",\"keywords\":[\"buyer information\",\"mortgage\",\"mortgage broker\",\"Real Estate\",\"real estate broker\",\"real estate information\",\"Real Estate Montreal\"],\"articleSection\":[\"Buyer Information\",\"Real estate information\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/\",\"url\":\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/\",\"name\":\"Mortgages : understanding them better for a real estate purchase - Courtier Immobilier Montr\u00e9al Yanick E Sarrazin\",\"isPartOf\":{\"@id\":\"https:\/\/yanicksarrazin.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/yanicksarrazin.com\/en\/immobilier\/buyer-information\/mortgages-understanding-them-better-for-a-real-estate-purchase-2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/yanicksarrazin.com\/wp-content\/uploads\/2023\/12\/yanick-sarrazin-14-scaled.jpg\",\"datePublished\":\"2023-12-11T20:11:32+00:00\",\"dateModified\":\"2024-08-12T19:29:58+00:00\",\"description\":\"The mortgage is important in real estate. 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