Calculateur de paiement hypothécaire (locatif)
Modélisez capital et intérêts, taxes, frais de condo, prime SCHL estimée et paiement au test de résistance.
Propriété et financement
20.0% du prix d'achat
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"Capital et intérêts": $2,741 · Impôts fonciers: $400
- $520,000
- 80.0%
- $3,788 @ 6.89%
Vous avez utilisé notre calculateur de paiement hypothécaire — réservez un appel pour discuter du financement.
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Contract payment vs stress test
Cash flow model
Qualification
All-in housing cost
How this payment calculator works
Estimate principal and interest, add tax and condo, optionally layer a CMHC premium below 20% down, and see the B-20 stress-test payment.
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Price and down payment
Set the loan. Below 20% down, we add an estimated high-ratio premium to the balance.
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Rate and amortization
Canadian semi-annual compounding. 25 and 30 years are the common rental terms.
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Read stress test vs contract
The amber line is the qualifying payment, not the payment you write each month.
Contract payment versus the stress test
You pay the contract rate. Federally regulated lenders qualify many 1–4 unit files at a higher rate so the borrower still clears GDS/TDS if rates rise.
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Contract payment
What leaves the account each month: P&I plus the tax and condo you entered.
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Stress-test payment
Greater of contract + 2% or 5.25% (current B-20 floor). Used for qualification at most banks and credit unions.
What each payment figure means
Do not mix the stress-test payment into a cash-flow model. Cash flow uses the contract P&I.
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Monthly P&I
Principal and interest only, Canadian compounding. · Semi-annual compounding
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Total monthly
P&I + property tax/12 + condo fees. · P&I + tax + condo
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CMHC estimate
High-ratio premium added to the loan when down payment is under 20%. Not MLI Select. · Insurer grid × loan
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Stress-test P&I
Qualifying payment at max(contract + 2%, 5.25%). · P&I @ qualifying rate
Worked example (illustrative)
$650,000 purchase, 20% down, 4.89% / 30 years, $4,800 tax. Teaching case only.
| Loan | $520,000 |
|---|---|
| What to compare | Contract P&I vs stress-test P&I on the amber line |
| Cash-flow use | Contract P&I + tax/12 in the property cash-flow calculator |
20% down avoids a high-ratio premium on a typical 1–4 unit rental. Below 20% the estimated premium is added to the balance.
Related tools & guides
next steps
- Property cash flow calculator
Turn this payment into cap rate and CoC
- Canada DSCR calculator
Qualify on rent instead of salary
- CMHC premium calculator
5+ unit MLI insurance grid
- Fixed vs variable
How term choice changes payment risk
- Rates
Current residential context
- Book a strategy call
Get a real quote
FAQ
Parcourez nos questions les plus fréquemment posées ci-dessous.
Paiements hypothécaires
Données et limites
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