Calculadora de prima CMHC
Modele las primas de seguro de CMHC en la grilla de LTV del 14 de julio de 2025 — incluidos los recargos de amortización que ahora aplican a MLI Select, más descuentos por nivel en 50, 70 y 100 puntos. Suba una hoja de términos si tiene una.
Calculadora de prima CMHC
Surcharge applies beyond 25 years
LTV band ≤85% → purchase/refi base 5.35%
| LTV band | Purchase / refi | Construction |
|---|---|---|
| ≤65% | 2.60% | 3.25% |
| ≤70% | 2.85% | 3.75% |
| ≤75% | 3.35% | 4.25% |
| ≤80% | 4.35% | 5.00% |
| ≤85% | 5.35% | 6.00% |
| ≤90% | 5.90% | 6.75% |
| >90% | 6.15% | 7.00% |
LendCity™ Mortgages
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Contact Information
+1 (226) 783-1640
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Points take 10, 20, or 30% off
Surcharges stack first. MLI Select then discounts that subtotal at 50, 70, and 100 points. Construction uses a higher base than purchase/refinance.
Qualifies for Select
Enhanced tier
Maximum discount
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How to use this premium calculator
Premium is a function of loan, LTV, amortization, program, Select tier, transaction type, and a few surcharges. Size proceeds first, then price the insurance.
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Size the loan
Use the MLI max-loan calculator (upload a rent roll if you have one) so LTV and points are real.
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Pick program and tier
Standard has no discount. Select discounts 10 / 20 / 30% at 50 / 70 / 100 points after surcharges.
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Add surcharges
Amortization beyond 25 years, non-residential share, second mortgage, and EGI-not-met (purchase/refi only).
What changed in the premium grid
CMHC replaced flat MLI Select pricing with an LTV-tiered base shared with MLI Standard. Select still earns a tier discount — but it is a discount off the new stack, not a return to the old ~2.55% world.
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Base + surcharges first
CMHC adds the LTV-band base and every surcharge, then applies the Select discount to that subtotal.
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Then the Select discount
10% at 50 points, 20% at 70, 30% at 100+. No discount on Standard.
Loan, LTV, amort, and points
If any one of those four is wrong, the premium is wrong. Upload a term sheet when you have one instead of guessing LTV.
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LTV band
The July 2025 base rate steps up as leverage rises. Construction uses a higher column than purchase/refi. · Loan / value (or cost)
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Amortization surcharge
+0.25% per 5 years above 25, including Select. · ((amort − 25) / 5) × 0.25%
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Select discount
Applied after the surcharge stack. · 10% / 20% / 30% at 50 / 70 / 100 pts
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Non-residential
Pro-rata +1.00% surcharge on the commercial share. · +1.00% × non-res %
How to read a result
Treat the output as an insurance cost to layer onto the max-loan model — not as a payment quote. Capitalizing the premium raises the funded loan and can bump you into the next LTV band if you are tight to a cap.
| Size first | MLI max-loan calculator (NOI, points, program) |
|---|---|
| Price second | This page (loan, LTV, amort, tier, surcharges) |
| Binding number | Lender / CMHC invoice after underwriting |
Do not use 4.5% as a default rate on an assumption file. Assumptions are sized at the in-place note rate on the max-loan model; this page only prices insurance.
Related CMHC tools
next steps
Preguntas sobre la prima de CMHC
Cómo funciona la grilla de primas de julio de 2025 y cómo usar esta calculadora con el modelo de su operación.
Using this calculator
Premium basics
Related CMHC tools
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