Your payment, total interest, and year-by-year balance for a Canadian fixed-rate mortgage, with semi-annual compounding.
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- Purchase price
- $500,000
- Down payment
- $100,000
- Interest rate
- 4.5%
- Amortization
- 25 years
- Payment
- $2,213.89 per month
- Total interest
- $264,168
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The transfer duties a Québec municipality charges on a purchase, bracket by bracket, with each municipality’s 2026 rates.
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- Municipality
- Montréal
- Taxable value
- $500,000
- 0.5% $0 to $62,900
- $314.50
- 1% $62,900 to $315,000
- $2,521.00
- 1.5% $315,000 to $552,300
- $2,775.00
- Welcome tax
- $5,610.50 1.12% of the taxable value
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