TERMIUM Plus^®

Record 1,  Textual support,  French

Record 1,  Textual support,  Spanish

Record 2,  Textual support,  English

Record number: 2, Textual support number: 1 DEF

A... home mortgage that takes into account the lower costs of operating an energy efficient home over a conventional home, which could qualify the borrower for a larger loan amount than otherwise would be possible.  2, record 2, English, - energy%20efficient%20mortgage

Record 2,  Textual support,  French

Record number: 2, Textual support number: 1 DEF

[...] prêt hypothécaire qui prend en compte les économies que permet de réaliser une habitation éconergétique par rapport à un logement ordinaire afin qu’un emprunteur soit admissible à un montant de prêt supérieur à celui auquel il aurait normalement accès.  2, record 2, French, - hypoth%C3%A8que%20pour%20habitation%20%C3%A9co%C3%A9nerg%C3%A9tique

Record 2,  Textual support,  Spanish

Record 3,  Textual support,  English

Record number: 3, Textual support number: 1 OBS

[Canada Mortgage and Housing Corporation's(CMHC) ] FlexHousing^TM is an innovative approach to home design, renovation and construction that is able to adapt and convert affordably as a household's lifestyle and needs change.  1, record 3, English, - FlexHousing

Record number: 3, Textual support number: 2 OBS

FlexHousing: trademark of Canada Mortgage and Housing Corporation. The name is followed by an uppercase "TM" in supercript.  2, record 3, English, - FlexHousing

Record 3,  Textual support,  French

Record number: 3, Textual support number: 1 OBS

Mis en place par la [Société canadienne d'hypothèques et de logement (SCHL)], Bâti-Flex^MC est une approche novatrice en matière de conception, de rénovation et de construction de logements qui repose sur l’adaptabilité et l’abordabilité et tient compte de l’évolution du style de vie et des besoins des ménages.  1, record 3, French, - B%C3%A2ti%2Dflex

Record number: 3, Textual support number: 2 OBS

Bâti-flex : marque de commerce de la Société canadienne d'hypothèques et de logement. Le nom est suivi des lettres majuscules "MC" placées en exposant.  2, record 3, French, - B%C3%A2ti%2Dflex

Record 3,  Textual support,  Spanish

Record 4,  Textual support,  English

Record number: 4, Textual support number: 1 OBS

[The] Canada Secondary Suite Loan Program [is designed to] make it easier for homeowners to convert an unused basement into a rental apartment or a garage into a laneway home to increase density in... communities. Secondary suites can help homeowners pay their mortgage with a new rental apartment and bring families closer together.  2, record 4, English, - Canada%20Secondary%20Suite%20Loan%20Program

Record number: 4, Textual support number: 2 OBS

Canada Secondary Suite Loan Program: program announced in the 2024 Fall Economic Statement.  3, record 4, English, - Canada%20Secondary%20Suite%20Loan%20Program

Record 4,  Textual support,  French

Record number: 4, Textual support number: 1 OBS

[Le] Programme canadien de prêt pour la construction d'un logement accessoire [est conçu pour permettre] aux propriétaires de convertir plus facilement un sous‑sol inutilisé en appartement locatif ou un garage en une maison sur ruelle pour augmenter la densité dans les communautés. Les logements accessoires peuvent aider les propriétaires à payer leur hypothèque avec un nouvel appartement locatif et à rapprocher les familles.  2, record 4, French, - Programme%20canadien%20de%20pr%C3%AAt%20pour%20la%20construction%20d%27un%20logement%20accessoire

Record number: 4, Textual support number: 2 OBS

Programme canadien de prêt pour la construction d'un logement accessoire : programme annoncé dans l'Énoncé économique de l'automne de 2024.  3, record 4, French, - Programme%20canadien%20de%20pr%C3%AAt%20pour%20la%20construction%20d%27un%20logement%20accessoire

Record 4,  Textual support,  Spanish

Record 5,  Textual support,  English

Record number: 5, Textual support number: 1 OBS

The incentive enables home buyers to reduce the amount of money required from an insured mortgage without increasing the amount they must save for a down payment.  3, record 5, English, - First%2DTime%20Home%20Buyer%20Incentive

Record number: 5, Textual support number: 2 OBS

Canada Mortgage and Housing Corporation.  4, record 5, English, - First%2DTime%20Home%20Buyer%20Incentive

Record 5,  Textual support,  French

Record number: 5, Textual support number: 1 OBS

L'incitatif permet aux acheteurs d'une habitation de réduire le montant requis d'une hypothèque assurée sans augmenter le montant qu'ils doivent épargner au titre de la mise de fonds.  2, record 5, French, - Incitatif%20%C3%A0%20l%27achat%20d%27une%20premi%C3%A8re%20propri%C3%A9t%C3%A9

Record number: 5, Textual support number: 2 OBS

Société canadienne d'hypothèques et de logement.  3, record 5, French, - Incitatif%20%C3%A0%20l%27achat%20d%27une%20premi%C3%A8re%20propri%C3%A9t%C3%A9

Record 5,  Textual support,  Spanish

Record 6,  Textual support,  English

Record number: 6, Textual support number: 1 CONT

A mortgage broker is a financial intermediary who matches home borrowers with potential lenders in order to obtain the best possible mortgage terms for the borrower.  1, record 6, English, - mortgage%20broker

Record 6,  Textual support,  French

Record number: 6, Textual support number: 1 CONT

Le courtier hypothécaire agit en tant qu'intermédiaire entre [le demandeur d'un prêt] et les prêteurs (une institution financière ou un prêteur privé).  1, record 6, French, - courtier%20hypoth%C3%A9caire

Record 6,  Textual support,  Spanish

Record number: 6, Textual support number: 1 DEF

Individuo o empresa que une a los prestatarios y los prestamistas con el propósito de que se emita un préstamo.  2, record 6, Spanish, - agente%20hipotecario

Record 7,  Textual support,  English

Record number: 7, Textual support number: 1 DEF

A Shariah-compliant financial product used to buy or refinance a property.  5, record 7, English, - Islamic%20home%20financing%20product

Record number: 7, Textual support number: 1 OBS

There is no interest on Islamic home financing products.  5, record 7, English, - Islamic%20home%20financing%20product

Record number: 7, Textual support number: 2 OBS

Islamic mortgage; halal mortgage : Although these designations are frequently used and their use is accepted, an Islamic home financing product is not a mortgage as it is understood in occidental societies.  5, record 7, English, - Islamic%20home%20financing%20product

Record 7,  Textual support,  French

Record number: 7, Textual support number: 1 DEF

Produit financier conforme à la Charia permettant d'acheter ou de refinancer une propriété.  5, record 7, French, - produit%20de%20financement%20immobilier%20islamique

Record number: 7, Textual support number: 1 OBS

Il n'y a pas d'intérêt sur les produits de financement immobilier islamique.  5, record 7, French, - produit%20de%20financement%20immobilier%20islamique

Record number: 7, Textual support number: 2 OBS

prêt hypothécaire islamique; prêt hypothécaire halal; hypothèque islamique; hypothèque halal : Bien que ces désignations soient répandues dans l'usage et que leur emploi soit accepté, un produit de financement immobilier islamique n'est pas un prêt hypothécaire tel qu'on l'entend dans les sociétés occidentales.  5, record 7, French, - produit%20de%20financement%20immobilier%20islamique

Record number: 7, Textual support number: 3 OBS

halal : Cet adjectif peut être invariable ou accordé en genre et en nombre.  5, record 7, French, - produit%20de%20financement%20immobilier%20islamique

Record 7,  Textual support,  Spanish

Record 8,  Textual support,  English

Record number: 8, Textual support number: 1 CONT

If you’re over age 55, a reverse mortgage lets you borrow up to 50% of your home's value. You don’t make payments on a reverse mortgage. But interest grows on the mortgage debt until you sell the home or pass away.  5, record 8, English, - reverse%20mortgage

Record 8,  Textual support,  French

Record number: 8, Textual support number: 1 CONT

L'hypothèque inversée est un prêt qui utilise la valeur nette de votre propriété pour vous donner accès à des liquidités non imposables sans avoir à la vendre.  4, record 8, French, - pr%C3%AAt%20hypoth%C3%A9caire%20invers%C3%A9

Record number: 8, Textual support number: 2 CONT

Si vous avez plus de 55 ans, un prêt hypothécaire inversé vous permet d'emprunter jusqu'à 50 % de la valeur de votre maison. Vous n'avez pas à faire de versements réguliers, mais les intérêts s'accumulent sur le prêt hypothécaire jusqu'à la vente de la maison ou votre décès.  5, record 8, French, - pr%C3%AAt%20hypoth%C3%A9caire%20invers%C3%A9

Record 8,  Textual support,  Spanish

Record 9,  Textual support,  English

Record number: 9, Textual support number: 1 CONT

Although there is nothing inherently right or wrong about borrowing, financial experts often distinguish between "good debt" and "bad debt. "Good debt is an investment in something that creates value or produces more wealth in the long run. Examples : a mortgage on a home, a student loan to pursue education for a career, a loan to launch a business, or a purchase made to accomplish your job or for your health.  1, record 9, English, - good%20debt

Record 9,  Textual support,  French

Record number: 9, Textual support number: 1 CONT

Même si ce n'est ni bon ni mauvais d'emprunter de l'argent, les experts financiers font souvent la distinction entre les «bonnes dettes» et les «mauvaises dettes». Une bonne dette est un investissement dans quelque chose qui prend de la valeur ou qui est profitable à long terme. Voici quelques exemples : un prêt hypothécaire pour une maison; un prêt pour des études en vue d'une carrière; un prêt pour lancer une entreprise; un achat bénéfique pour votre travail ou votre santé.  1, record 9, French, - bonne%20dette

Record 9,  Textual support,  Spanish

Record 10,  Textual support,  English

Record number: 10, Textual support number: 1 OBS

[The] Home Buyers’ Bill of Rights... will include : banning blind bidding[;] establishing a legal right to a home inspection[;] ensuring banks and lenders offer mortgage deferrals for up to 6 months in the event of job loss or other major life event...  2, record 10, English, - Home%20Buyers%26rsquo%3B%20Bill%20of%20Rights

Record number: 10, Textual support number: 2 OBS

Home Buyers’ Bill of Rights: bill announced in the 2022 federal budget.  3, record 10, English, - Home%20Buyers%26rsquo%3B%20Bill%20of%20Rights

Record 10,  Textual support,  French

Record number: 10, Textual support number: 1 OBS

[La] Charte des droits des acheteurs d'une propriété [...] couvrira : l'interdiction des offres à l'aveugle[;] l'instauration d'un droit légal à l'inspection technique des propriétés[;] l'assurance que les banques et les prêteurs offrent un report d'hypothèque pouvant se prolonger jusqu'à six mois en cas de perte d'emploi ou d'autre événement perturbateur majeur [...]  1, record 10, French, - Charte%20des%20droits%20des%20acheteurs%20d%27une%20propri%C3%A9t%C3%A9

Record number: 10, Textual support number: 2 OBS

Charte des droits des acheteurs d'une propriété : charte annoncée dans le budget fédéral de 2022.  2, record 10, French, - Charte%20des%20droits%20des%20acheteurs%20d%27une%20propri%C3%A9t%C3%A9

Record 10,  Textual support,  Spanish

Record 11,  Textual support,  English

Record number: 11, Textual support number: 1 CONT

... mortgage managers offer much more flexibility than you would find going straight to a broker or bank. Mortgage managers source their loan products from different wholesale lenders and work across these to find the best deal for you. Also, unlike brokers, mortgage managers are often authorised to approve home loans on behalf of the lenders, meaning there are fewer hoops to go through and less time waiting to get approved.  2, record 11, English, - mortgage%20manager

Record number: 11, Textual support number: 1 OBS

Mortgage managers oversee only their clients’ mortgages, while mortgages managers oversee the mortgage department or section within a financial institution.  3, record 11, English, - mortgage%20manager

Record 11,  Textual support,  French

Record 11,  Textual support,  Spanish

Record 12,  Textual support,  English

Record number: 12, Textual support number: 1 CONT

The subprime mortgage crisis of 2007-10 stemmed from an earlier expansion of mortgage credit, including to borrowers who previously would have had difficulty getting mortgages, which both contributed to and was facilitated by rapidly rising home prices.  3, record 12, English, - subprime%20mortgage%20crisis

Record 12,  Textual support,  French

Record number: 12, Textual support number: 1 CONT

La crise financière qui sévit actuellement dans la plupart des pays industrialisés tire son origine de l'effondrement du marché des prêts hypothécaires à risque (subprime) aux États-Unis. [...] Une crise de confiance sévère a ensuite touché les marchés financiers lorsque les titres garantis par ces créances hypothécaires ont été massivement dévalués. [...] Le Canada n'a pas vécu cette crise des prêts hypothécaires à risque, les pratiques de prêts ayant été plus prudentes ici et grâce à une meilleure réglementation.  2, record 12, French, - crise%20des%20pr%C3%AAts%20hypoth%C3%A9caires%20%C3%A0%20risque

Record 12,  Textual support,  Spanish

Record number: 12, Textual support number: 1 CONT

9 de agosto de 2007. El Banco Central Europeo (BCE) inyecta 95.000 millones de euros a 49 entidades bancarias con problemas de financiación cuyo origen había que buscar al otro lado del Atlántico. EE. UU. vive la crisis de las hipotecas basura que ya se cobraba sus primeras víctimas.  3, record 12, Spanish, - crisis%20de%20las%20hipotecas%20de%20alto%20riesgo

Record number: 12, Textual support number: 1 OBS

hipoteca de alto riesgo; hipoteca subprime: La Fundación del Español Urgente (Fundéu BBVA), con el asesoramiento de la Real Academia Española, indica que la construcción "hipoteca de alto riesgo" es una alternativa preferible a "hipoteca subprime".  5, record 12, Spanish, - crisis%20de%20las%20hipotecas%20de%20alto%20riesgo

Record 13,  Textual support,  English

Record number: 13, Textual support number: 1 CONT

Canada Mortgage and Housing Corporation. True to their name, Market At A Glance annual reports provide top-level information for fast absorption and assessment, giving you CMHC' s latest assessment and forecast of the specific regional market “at a glance”. They include a housing outlook and analysis of the new home market, resale market and rental market for each centre, and also provide an economic outlook.  1, record 13, English, - Market%20At%20A%20Glance%20%28Prairie%20Region%29

Record 13,  Textual support,  French

Record number: 13, Textual support number: 1 CONT

Société canadienne d'hypothèques et de logement. Fidèles à leur nom, les rapports annuels intitulés Coup d'œil sur le marché de l'habitation contiennent des renseignements de haut calibre qui, étant vite assimilables, permettent de se faire une idée rapidement. Ils présentent en un «coup d'œil» les plus récentes analyses et prévisions faites par la Société pour le marché à l'étude. Vous obtiendrez de l'information sur le marché du neuf, le marché de la revente et le marché locatif du centre urbain en question ainsi que sur la conjoncture économique.  1, record 13, French, - Coup%20d%27%26oelig%3Bil%20sur%20le%20march%C3%A9%20de%20l%27habitation%20%28R%C3%A9gion%20des%20Prairies%29

Record 13,  Textual support,  Spanish

Record 14,  Textual support,  English

Record number: 14, Textual support number: 1 OBS

home mortgage market : term extracted from the “Glossaire de l'économie” and reproduced with permission of the Organisation for Economic Co-operation and Development.  2, record 14, English, - home%20mortgage%20market

Record 14,  Textual support,  French

Record number: 14, Textual support number: 1 OBS

marché hypothécaire du logement : terme extrait du «Glossaire de l’économie» et reproduit avec l’autorisation de l’Organisation de coopération et de développement économiques.  2, record 14, French, - march%C3%A9%20hypoth%C3%A9caire%20du%20logement

Record 14,  Textual support,  Spanish

Record 15,  Textual support,  English

Record number: 15, Textual support number: 1 CONT

A mortgage deed is a document which gives a lender legal right and interest in a property. There are certain requirements that must be met when a mortgage document is executed. A borrower is pledging his home as security for a loan; the mortgage deed represents the lender's ownership in the property.  3, record 15, English, - deed%20of%20mortgage

Record 15,  Textual support,  French

Record number: 15, Textual support number: 1 OBS

Les termes «acte d’hypothèque» et «acte hypothécaire» sont en ce sens elliptiques; ils ne s’emploient que lorsque la spécificité juridique du «deed» n’est pas en cause ou lorsque cette spécificité ressort d’une autre manière du contexte d’emploi.  2, record 15, French, - acte%20formaliste%20d%27hypoth%C3%A8que

Record number: 15, Textual support number: 2 OBS

acte formaliste d’hypothèque; acte d’hypothèque; acte hypothécaire formaliste; acte hypothécaire : termes normalisés par le Comité de normalisation, Promotion de l’accès à la justice dans les deux langues officielles (PAJLO).  3, record 15, French, - acte%20formaliste%20d%27hypoth%C3%A8que

Record 15,  Textual support,  Spanish

Record 16,  Textual support,  English

Record number: 16, Textual support number: 1 CONT

A second mortgage is another mortgage, smaller in size, that is given to the homeowner when the home or property in question already has a first mortgage.  2, record 16, English, - second%20mortgage

Record 16,  Textual support,  French

Record number: 16, Textual support number: 1 OBS

On peut dire «hypothèque de second rang», s'il n'y a que deux hypothèques en tout sur le bien.  2, record 16, French, - hypoth%C3%A8que%20de%20deuxi%C3%A8me%20rang

Record number: 16, Textual support number: 2 OBS

hypothèque de deuxième rang : terme normalisé par le Comité de normalisation, Promotion de l’accès à la justice dans les deux langues officielles (PAJLO).  3, record 16, French, - hypoth%C3%A8que%20de%20deuxi%C3%A8me%20rang

Record 16,  Textual support,  Spanish

Record 17,  Textual support,  English

Record number: 17, Textual support number: 1 CONT

When you take out a mortgage on a home, you’ll generally have your regular payment automatically deducted from your account, to cover the entire amount. This can be deceiving, since your mortgage payment may consist of several components : the mortgage principal and interest, property taxes and mortgage life insurance. Let's take them one at a time.... Mortgage interest. Generally, mortgage interest costs are front-loaded, so that that interest comprises a much larger percentage of your regular mortgage payment at the beginning of the life of the mortgage than toward the end.  2, record 17, English, - mortgage%20interest

Record 17,  Textual support,  French

Record number: 17, Textual support number: 1 OBS

intérêt hypothécaire : terme habituellement utilisé au pluriel.  2, record 17, French, - int%C3%A9r%C3%AAt%20hypoth%C3%A9caire

Record number: 17, Textual support number: 2 OBS

intérêt hypothécaire : terme normalisé par le Comité de normalisation, Promotion de l’accès à la justice dans les deux langues officielles (PAJLO).  2, record 17, French, - int%C3%A9r%C3%AAt%20hypoth%C3%A9caire

Record 17,  Textual support,  Spanish

Record 18,  Textual support,  English

Record number: 18, Textual support number: 1 CONT

A non conforming mortgage loan is one that does not conform to Federal National Mortgage Association(FNMA) or Federal Home Loan Mortgage Corporation(FHLMC) guidelines because the amount is too high or because FNMA/FHLMC underwriting or other criteria are not met.  2, record 18, English, - non%2Dconforming%20mortgage%20loan

Record 18,  Textual support,  French

Record number: 18, Textual support number: 1 CONT

Deux des plus grandes agences de crédit aux États-Unis - Fannie Mae et Freddie Mac, fixent des plafonds sur le montant des prêts qu'ils donneront à un emprunteur pour une maison. Tout prêt hypothécaire qui exige plus que cela est considéré comme un prêt hypothécaire jumbo. Ils peuvent aussi être appelé un prêt hypothécaire non-conforme.  2, record 18, French, - pr%C3%AAt%20hypoth%C3%A9caire%20non%20conforme

Record number: 18, Textual support number: 1 OBS

Prêt hypothécaire non conforme aux normes habituelles.  1, record 18, French, - pr%C3%AAt%20hypoth%C3%A9caire%20non%20conforme

Record 18,  Textual support,  Spanish

Record 19,  Textual support,  English

Record number: 19, Textual support number: 1 CONT

Whether you are a home buyer, home seller, looking for a mortgage, a real estate investor, or buying recreational or vacation property, you will find this site contains invaluable information.  1, record 19, English, - home%20buyer

Record 19,  Textual support,  French

Record number: 19, Textual support number: 1 CONT

Les garanties données aux acquéreurs de logements pour les protéger contre un éventuel scandale immobilier.  1, record 19, French, - acqu%C3%A9reur%20de%20logement

Record 19,  Textual support,  Spanish

Record 20,  Textual support,  English

Record number: 20, Textual support number: 1 DEF

Depository financial institution whose primary function is promoting personal savings(thrift) and home ownership through mortgage lending. Thrift institutions hold most of their assets in mortgages and collect most of their deposits from consumers. Savings and Loan Associations, Savings Banks, and Credit Unions are all considered thrift institutions. Thrift institutions, at one time restricted to mortgage lending, have gained parity with commercial banks over the last 20 years and many thrifts offer the same range of nonmortgage credit services-credit cards, auto loans, home equity loans, and business loans-available from commercial banks.  2, record 20, English, - thrift%20institution

Record 20,  Textual support,  French

Record number: 20, Textual support number: 1 CONT

Le terme générique «thrift institution» (institution d'épargne) est une réalité du système financier américain qui englobe les Credits Unions, les Savings Banks et les Savings and Loan Associations.  2, record 20, French, - institution%20d%27%C3%A9pargne

Record 20,  Textual support,  Spanish

Record 21,  Textual support,  English

Record number: 21, Textual support number: 1 CONT

Mortgage loan insurance was developed to address the problem home buyers have with saving enough for a down payment while addressing the concerns Canadian mortgage lenders expressed with the increased potential of payment default. By developing mortgage loan insurance, home buyers and mortgage lenders now have an alternative. Using approved Canadian lenders, mortgage loan insurance now affords home buyers the ability to purchase a home with as little as 5% down while protecting mortgage lenders against payment default.  4, record 21, English, - mortgage%20loan%20insurance

Record number: 21, Textual support number: 1 OBS

Mortgage insurance ... Do not confuse this form of insurance with the life insurance offered by many lenders that repays the loan in the event that the borrower dies.  5, record 21, English, - mortgage%20loan%20insurance

Record 21,  Textual support,  French

Record number: 21, Textual support number: 1 DEF

Assurance crédit souscrite sur un prêt hypothécaire dans le but de protéger le créancier contre les défauts de paiement du débiteur.  4, record 21, French, - assurance%20pr%C3%AAt%20hypoth%C3%A9caire

Record number: 21, Textual support number: 1 CONT

L'assurance prêt hypothécaire est exigée habituellement par les prêteurs, lorsque l'emprunteur effectue une mise de fonds inférieure à 20 % du prix d'achat de l'habitation.  5, record 21, French, - assurance%20pr%C3%AAt%20hypoth%C3%A9caire

Record number: 21, Textual support number: 1 OBS

Il ne faut pas confondre l'assurance prêt hypothécaire et l'assurance-vie prêt hypothécaire, qui garantit que votre succession n'aura pas à rembourser le solde de votre prêt hypothécaire au moment de votre décès.  5, record 21, French, - assurance%20pr%C3%AAt%20hypoth%C3%A9caire

Record 21,  Textual support,  Spanish

Record 22,  Textual support,  English

Record number: 22, Textual support number: 1 CONT

A piggyback mortgage loan is a second loan that closes at the same time as the first mortgage loan. Typically the first mortgage loan is only 80 percent of the home value.... A piggyback loan is usually for 10 percent of the remaining balance, after that the purchaser has to come up with the rest as a down payment.  5, record 22, English, - piggyback%20mortgage%20loan

Record number: 22, Textual support number: 2 CONT

Homeowners who don’t have 20 percent for a down payment and don’t want to pay PMI can opt for a piggyback loan, which is essentially a home equity loan that funds a portion of the down payment.  6, record 22, English, - piggyback%20mortgage%20loan

Record number: 22, Textual support number: 3 CONT

The disadvantage of a piggyback loan is that it could take as long as 10 years to pay off your second loan.  6, record 22, English, - piggyback%20mortgage%20loan

Record number: 22, Textual support number: 1 OBS

Piggyback mortgages are also called 80-10-10 loans  5, record 22, English, - piggyback%20mortgage%20loan

Record 22,  Textual support,  French

Record number: 22, Textual support number: 1 CONT

Les prêts gigognes occupent également une part du marché importante aux États-Unis, surtout parce qu'ils sont exempts de primes d'assurance hypothécaire.  1, record 22, French, - pr%C3%AAt%20gigogne

Record number: 22, Textual support number: 1 OBS

D'après les recherches effectuées, il s'agit de deux prêts hypothécaires qui se composent ainsi : l'un représente 80% de la valeur de la maison, l'autre 10 % auquel s'ajoute un apport de 10%. Ce type de prêt est souvent appelé «prêt 80-10-10» ou «prêt 80-15-5». L'emprunteur, par conséquent évite ainsi de payer l'assurance hypothécaire privée (PMI).  2, record 22, French, - pr%C3%AAt%20gigogne

Record 22,  Textual support,  Spanish

Record 23,  Textual support,  English

Record number: 23, Textual support number: 1 CONT

A cashback mortgage loan provides a lump sum to the borrower when the mortgage is taken out. This may be a fixed amount or a percentage of the mortgage loan. Whether you’re a first timer buyer or moving home, buying a house can be an expensive time. Any extra cash to put towards a deposit, solicitor, estate agent or removal company's fees is very welcome. Whilst the cash up front may be tempting, it's important to weight up the full benefits of other types of mortgage loan, which may be better options for you in the longer term.  5, record 23, English, - cashback%20mortgage%20loan

Record number: 23, Textual support number: 2 CONT

... first-time buyers are the number one consumers of cash-back mortgages in Canada  6, record 23, English, - cashback%20mortgage%20loan

Record 23,  Textual support,  French

Record number: 23, Textual support number: 1 CONT

Dans le cadre d'un prêt hypothécaire avec remise en argent, le prêteur vous «remet» un pourcentage de la somme empruntée sous forme de montant forfaitaire, ce qui peut vous aider à assumer une foule de dépenses inhérentes à l'achat d'une maison - frais d'établissement du prêt hypothécaire, ameublement, frais de déménagement, etc.  2, record 23, French, - pr%C3%AAt%20hypoth%C3%A9caire%20avec%20remise%20en%20argent

Record 23,  Textual support,  Spanish

Record 24,  Textual support,  English

Record number: 24, Textual support number: 1 CONT

Mortgage fraud is a type of real estate fraud that most often hurts the financial institutions that lend money for purchasing property. The most common form of mortgage fraud involves fraudsters acquiring property and then artificially increasing the property’s value through a series of sales and resales between the fraudster and someone in cooperation with them.  3, record 24, English, - mortgage%20fraud

Record number: 24, Textual support number: 2 CONT

Mortgage loan fraud in 2006 rose 35 percent over the previous year, the Treasury Department's Financial Crimes Enforcement Network reports. Loan fraud can involve predatory lending schemes, inflating appraisals, property flipping or falsifying borrower income to qualify for home mortgages.  4, record 24, English, - mortgage%20fraud

Record 24,  Textual support,  French

Record number: 24, Textual support number: 1 CONT

Une fraude hypothécaire se produit lorsqu'une personne fournit intentionnellement de l'information inexacte, frauduleuse ou incomplète à un prêteur pour garantir un prêt hypothécaire qui, autrement, ne lui serait peut-être pas accordé.  2, record 24, French, - fraude%20hypoth%C3%A9caire

Record number: 24, Textual support number: 2 CONT

La fraude hypothécaire est un crime que le secteur bancaire, la police, les gouvernements et d'autres organisations participant à des transactions immobilières prennent très au sérieux.  2, record 24, French, - fraude%20hypoth%C3%A9caire

Record 24,  Textual support,  Spanish

Record 25,  Textual support,  English

Record number: 25, Textual support number: 1 CONT

Mortgage refinancing : refinancing a mortgage means paying off a current mortgage and replacing it with a new one. This can be done with the existing bank(lender) often named renewal or via another bank(lender). There are many unique reasons why homeowners refinance : to obtain a lower interest rate; to shorten the term of their mortgage; to change the type of mortgage; to access the home's equity for other needs; mortgage refinancing when moving and buying a home; to consolidate debt; to be able to convert part or all of [the] mortgage interest to be tax-deductible in Canada.  2, record 25, English, - mortgage%20refinancing

Record number: 25, Textual support number: 2 CONT

Mortgage refinancing has costs; examples are property appraisal, legal fees and therefore it’s important for a homeowner to determine whether his or her reason for refinancing offers true value.  2, record 25, English, - mortgage%20refinancing

Record 25,  Textual support,  French

Record number: 25, Textual support number: 1 CONT

Les ménages canadiens ont continué de s'endetter à un rythme soutenu, quoique légèrement inférieur au sommet enregistré au milieu de 2006. La hausse des prix des logements nourrit la demande de crédit, car les ménages recourent de plus en plus au refinancement hypothécaire pour tirer parti de l'augmentation de leur avoir propre foncier.  2, record 25, French, - refinancement%20hypoth%C3%A9caire

Record 25,  Textual support,  Spanish

Record 26,  Textual support,  English

Record number: 26, Textual support number: 1 OBS

Canada Mortgage and Housing Corporation, Ottawa, 2005.  1, record 26, English, - Leading%20the%20way%20home%2DCanada%20Mortgage%20and%20Housing%20Corporation%202004%20Annual%20Report

Record 26,  Textual support,  French

Record number: 26, Textual support number: 1 OBS

Société canadienne d'hypothèques et de logement, Ottawa, 2005.  1, record 26, French, - Tous%20nos%20chemins%20m%C3%A8nent%20chez%20vous%20%2D%2D%20Soci%C3%A9t%C3%A9%20canadienne%20d%27hypoth%C3%A8ques%20et%20de%20logement%2C%20rapport%20annuel%202004

Record 26,  Textual support,  Spanish

Record 27,  Textual support,  English

Record number: 27, Textual support number: 1 OBS

Canada Mortgage and Housing Corporation. This program helps homeowners and landlords pay for minor home adaptations to extend the time low-income seniors can live in their own homes independently.  1, record 27, English, - Home%20Adaptations%20for%20Seniors%20Independence

Record 27,  Textual support,  French

Record number: 27, Textual support number: 1 OBS

Société canadienne d'hypothèques et de logement. Le programme Logements adaptés : aînés autonomes (LAAA) offre une aide financière aux personnes âgées à faible revenu pour leur permettre d'apporter de petites modifications à leur logement afin de rendre les activités de la vie quotidienne plus faciles.  1, record 27, French, - Logements%20adapt%C3%A9s%20%3A%20a%C3%AEn%C3%A9s%20autonomes

Record 27,  Textual support,  Spanish

Record 28,  Textual support,  English

Record number: 28, Textual support number: 1 CONT

Potential homeowners who are considering using a graduated-payment mortgage to purchase a home must remember that their monthly payments to principal and interest will increase each year for up to 10 years, depending on which of five available plans they select.  2, record 28, English, - graduated%2Dpayment%20mortgage

Record 28,  Textual support,  French

Record number: 28, Textual support number: 1 DEF

Prêt hypothécaire dont le remboursement se fait au moyen de versements plus faibles au début, mais qui augmentent avec le temps parallèlement à l'accroissement des revenus du débiteur.  1, record 28, French, - pr%C3%AAt%20hypoth%C3%A9caire%20%C3%A0%20remboursement%20progressif

Record 28,  Textual support,  Spanish

Record 29,  Textual support,  English

Record number: 29, Textual support number: 1 DEF

A practice that imposes undue pressure, or coerces a person to obtain a product or service from a bank and any of its affiliates, as a condition for obtaining a loan or any other product from that same bank.  2, record 29, English, - coercive%20tied%20selling

Record number: 29, Textual support number: 1 CONT

Section 459.1 of the Bank Act prohibits coercive tied selling and requires banks to disclose to consumers that coercive tied selling is illegal through the display of plain-language brochures made available at all of their branches.  2, record 29, English, - coercive%20tied%20selling

Record number: 29, Textual support number: 2 CONT

The following example will help to explain coercive tied selling and what is not allowed : Your bank's mortgage specialist tells you that you qualify for a home mortgage. However, you are also told that the bank will approve your mortgage only if you transfer your investments to the bank or its affiliates. You want the mortgage but you do not want to move your investments.  3, record 29, English, - coercive%20tied%20selling

Record 29,  Textual support,  French

Record number: 29, Textual support number: 1 DEF

Pratique imposant des pressions indues ou des mesures coercitives à l'égard d'une personne afin de l'obliger à acquérir un produit ou un service d'une banque ou de ses sociétés affiliées en échange d'un prêt ou d'un autre produit de cette dernière.  2, record 29, French, - vente%20li%C3%A9e%20avec%20coercition

Record number: 29, Textual support number: 1 CONT

L'article 459.1 de la Loi sur les banques interdit la vente liée avec coercition et porte que les banques doivent offrir dans toutes leurs succursales des brochures expliquant de façon claire aux consommateurs que cette pratique est illégale.  2, record 29, French, - vente%20li%C3%A9e%20avec%20coercition

Record number: 29, Textual support number: 2 CONT

[L'exemple qui suit illustre] bien ce qu'est la vente liée avec coercition et ce qui n'est pas permis : Le spécialiste en prêts hypothécaires de votre banque vous dit que vous êtes admissible à un prêt hypothécaire. Il ajoute toutefois que la banque n'approuvera votre prêt hypothécaire que si vous transférez vos placements à la banque ou à une de ses sociétés affiliées. Cependant vous voulez obtenir le prêt hypothécaire, mais ne voulez pas transférer vos placements.  3, record 29, French, - vente%20li%C3%A9e%20avec%20coercition

Record 29,  Textual support,  Spanish

Record 30,  Textual support,  English

Record number: 30, Textual support number: 1 OBS

Canada Mortgage and Housing Corporation, Research highlights; socio-economic series, Ottawa, 2004.  1, record 30, English, - Consumer%20Support%20and%20Protection%20in%20Mortgage%20and%20Home%20Equity%20Based%20Borrowing%20%3A%20The%20U%2E%20S%2E%20Experience%20and%20Canadian%20Comparisons

Record 30,  Textual support,  French

Record number: 30, Textual support number: 1 OBS

Société canadienne d'hypothèques et de logement, Le point en recherche; série socio-économique, Ottawa, 2004.  1, record 30, French, - La%20sensibilisation%20et%20la%20protection%20des%20consommateurs%20en%20mati%C3%A8re%20d%27emprunt%20hypoth%C3%A9caire%20et%20de%20transformation%20de%20l%27avoir%20propre%20foncier%20la%20situation%20aux%20%C3%89tats%2DUnis%20et%20une%20comparaison%20avec%20le%20Canada

Record 30,  Textual support,  Spanish

Record 31,  Textual support,  English

Record number: 31, Textual support number: 1 DEF

A legal document signed by a home buyer which requires the buyer to assume responsibility for the obligations of a mortgage made by a former owner.  2, record 31, English, - assumption%20agreement

Record 31,  Textual support,  French

Record number: 31, Textual support number: 1 CONT

convention de prise en charge : ce document juridique, portant la signature de l'acquéreur, exige de ce dernier qu'il assume l'entière responsabilité du prêt hypothécaire auparavant assumée par le constructeur ou le propriétaire d'origine.  1, record 31, French, - convention%20de%20prise%20en%20charge

Record number: 31, Textual support number: 1 OBS

«Assumption (property)» : prise en charge.  2, record 31, French, - convention%20de%20prise%20en%20charge

Record 31,  Textual support,  Spanish

Record 32,  Textual support,  English

Record number: 32, Textual support number: 1 OBS

Fannie Mae is a private corporation sponsored by the United States Government to provide funds for housing. It provides assistance to the secondary market for home mortgages through the purchase of mortgages and the issuance or guarantee of various debt instruments secured by mortgage loans.  5, record 32, English, - Federal%20National%20Mortgage%20Association

Record 32,  Textual support,  French

Record 32,  Textual support,  Spanish

Record number: 32, Textual support number: 1 DEF

Agencia federal creada por el gobierno de EE.UU. en 1938 para comprar hipotecas a los prestamistas y venderlas a los inversores.  2, record 32, Spanish, - Asociaci%C3%B3n%20Federal%20Nacional%20Hipotecaria

Record 33,  Textual support,  English

Record number: 33, Textual support number: 1 OBS

Government-sponsored corporation owned by FHLMC. Purpose is to purchase qualifying conventional residential mortgages from FHLMC members, which it then packages under its own name and assurances and resells to the public.  4, record 33, English, - Federal%20Home%20Loan%20Mortgage%20Corporation

Record 33,  Textual support,  French

Record 33,  Textual support,  Spanish

Record number: 33, Textual support number: 1 DEF

Entidad financiera en EE.UU. [...] que compra préstamos hipotecarios a los prestamistas, que emite títulos-valor respaldados por el conjunto de las hipotecas, con garantías de repago, y que vende los títulos al mercado.  1, record 33, Spanish, - Federal%20Home%20Loan%20Mortgage%20Corporation

Record 34,  Textual support,  English

Record number: 34, Textual support number: 1 OBS

Cover title :"Case Study :Home Occupation Scenarios and their Regulatory Requirements". Issued in 1997 by the Canada Mortgage and Housing Corporation.  1, record 34, English, - Home%20Occupation%20Scenarios%20and%20their%20Regulatory%20Requirements%3A%20Ferrera%20Contreras%20Architects%20Inc%2E

Record 34,  Textual support,  French

Record number: 34, Textual support number: 1 OBS

Titre de la couverture : «Étude de cas: scénarios de travail à domicile et leurs exigences réglementaires». Publié en 1997 par la Société canadienne d'hypothèques et de logement.  1, record 34, French, - Sc%C3%A9narios%20de%20travail%20%C3%A0%20domicile%20et%20leurs%20exigences%20r%C3%A9glementaires%3A%20Ferrera%20Contreras%20Architects%20Inc%2E

Record 34,  Textual support,  Spanish

Record 35,  Textual support,  English

Record number: 35, Textual support number: 1 DEF

Homegrown Solutions is a program which assists communities to identify strategies and options for meeting their housing needs. It is a joint initiative of the Canadian Housing and Renewal Association, the Co-operative Housing Federation of Canada, the Canadian Home Builders’ Association, the Federation of Canadian Municipalities, and Canada Mortgage and Housing Corporation.  1, record 35, English, - Homegrown%20Solutions

Record 35,  Textual support,  French

Record number: 35, Textual support number: 1 DEF

Le programme Solutions maison aide les collectivités à définir des stratégies et des solutions adaptées à leurs besoins en habitation. Il s'agit d'une initiative conjointe de l'Association canadienne d'habitation et de rénovation urbaine, de la Fédération de l'habitation coopérative du Canada, de l'Association canadienne des constructeurs d'habitations, de la Fédération canadienne des municipalités, et de la Société canadienne d'hypothèques et de logement.  1, record 35, French, - Solutions%20maison

Record 35,  Textual support,  Spanish

Record 36,  Textual support,  English

Record number: 36, Textual support number: 1 OBS

The Security Home Mortgage Corporation(SHMC) was a federally incorporated mortgage investment company with assets at the time of failure of approximately $50 million.  1, record 36, English, - Security%20Home%20Mortgage%20Corporation

Record 36,  Textual support,  French

Record number: 36, Textual support number: 1 OBS

La Société de placements hypothécaires Security Home (SPHSH), constituée en vertu d'une loi fédérale, gérait un actif d'environ 50 millions de dollars au moment de sa défaillance.  1, record 36, French, - Soci%C3%A9t%C3%A9%20de%20placements%20hypoth%C3%A9caires%20Security%20Home

Record 36,  Textual support,  Spanish

Record 37,  Textual support,  English

Record number: 37, Textual support number: 1 OBS

Video produced by the Canada Mortgage and Housing Corporation. Many of Canada's elderly live independently, but sometimes need help taking care of their homes. Seniors, renovators and caregivers will want to see this two-part video : Garden Suites, about creating a small, self-contained home in the yard of a larger house; and Marguerite Chown's story of how minor home renovations allowed her to remain in her home despite her reduced mobility.  1, record 37, English, - Garden%20Suites%20%26%20Marguerite%20Chown%26rsquo%3Bs%20Renovation%20Story

Record 37,  Textual support,  French

Record number: 37, Textual support number: 1 OBS

Vidéo produite par la Société canadienne d'hypothèques et de logement. Nombre de Canadiens âgés vivent de manière autonome, mais ont parfois besoin d'aide pour entretenir leur maison. Les personnes âgées, les rénovateurs et les fournisseurs de soins trouveront certainement utile cette vidéocassette en deux parties : la première porte sur les pavillons-jardins, c'est-à-dire l'aménagement d'un petit logement autonome sur le terrain d'une maison plus grande, et la seconde montre comment les petites rénovations apportées à la maison de Marguerite Chown lui ont permis de rester autonome chez elle, en dépit d'une mobilité réduite.  1, record 37, French, - Les%20pavillons%2Djardins%20et%20l%27histoire%20de%20Marguerite%20Chown

Record 37,  Textual support,  Spanish

Record 38,  Textual support,  French

Record 38,  Textual support,  Spanish

Record 39,  Textual support,  English

Record number: 39, Textual support number: 1 OBS

a wonderful way to take your mortgage with you to another home  2, record 39, English, - portable%20mortgage

Record 39,  Textual support,  French

Record number: 39, Textual support number: 1 DEF

Hypothèque que l'on apporte (sic) avec soi lorsqu'on vend une maison et que l'on en achète une autre.  3, record 39, French, - hypoth%C3%A8que%20%C3%A0%20garantie%20changeable

Record number: 39, Textual support number: 1 OBS

Renseignement : Banque canadienne impériale de commerce.  2, record 39, French, - hypoth%C3%A8que%20%C3%A0%20garantie%20changeable

Record 39,  Textual support,  Spanish

Record 40,  Textual support,  English

Record number: 40, Textual support number: 1 OBS

Home equity conversion is commonly understood to be the generation of cash by borrowing against home equity from a lender. The home is mortgaged by the borrower to provide an interest to the lender. The borrower retains occupancy rights until the loan has to be repaid because the cash is generated from home equity through a mortgage loan, rather than through the sale of the home.  1, record 40, English, - home%20equity%20conversion

Record 40,  Textual support,  French

Record number: 40, Textual support number: 1 OBS

On entend généralement par transformation de l'avoir propre foncier l'obtention de liquidités par emprunt sur l'avoir propre foncier chez un prêteur. L'emprunteur souscrit une hypothèque sur son logement et verse un intérêt au prêteur. L'emprunteur conserve les droits d'occupation jusqu'à ce que le prêt doive être remboursé, car les liquidités proviennent de l'avoir propre foncier par l'intermédiaire d'un prêt hypothécaire, plutôt que par la vente du logement.  1, record 40, French, - transformation%20d%27avoir%20propre

Record 40,  Textual support,  Spanish

Record 41,  Textual support,  English

Record number: 41, Textual support number: 1 CONT

... the trend increase in personal debt during the 1970s and 1980s was almost entirely accounted for by the increase in mortgage debt due to the rising rate of home ownership...  1, record 41, English, - trend%20increase

Record 41,  Textual support,  French

Record 41,  Textual support,  Spanish

Record 42,  Textual support,  English

Record number: 42, Textual support number: 1 CONT

... the trend increase in personal debt during the 1970s and 1980s was almost entirely accounted for by the increase in mortgage debt due to the rising rate of home ownership...  1, record 42, English, - personal%20debt

Record 42,  Textual support,  French

Record 42,  Textual support,  Spanish

Record 43,  Textual support,  English

Record number: 43, Textual support number: 1 DEF

Debt securities collateralized by mortgage loans on the bond issuer's books. The income generated by the mortgages is used to pay principal and interest on the bonds. The best example is the collateralized mortgage obligation issued by the Federal Home Loan Mortgage Corporation.  1, record 43, English, - pay%2Dthrough%20bond

Record 43,  Textual support,  French

Record 43,  Textual support,  Spanish

Record 44,  Textual support,  English

Record number: 44, Textual support number: 1 DEF

A sum of money lent primarily to allow the purchase of a house and evidenced by a mortgage.  1, record 44, English, - home%20mortgage

Record 44,  Textual support,  French

Record number: 44, Textual support number: 1 CONT

Dans le cadre de son programme de prêts hypothécaires résidentiels, la Banque Royale du Canada a annoncé qu'à partir du 1er août, elle offrira aux propriétaires de maison la possibilité de rembourser leur prêt hypothécaire en effectuant des versements plus fréquents que les versements mensuels habituels.  3, record 44, French, - pr%C3%AAt%20hypoth%C3%A9caire%20%C3%A0%20l%27habitation

Record 44,  Textual support,  Spanish

Record 45,  Textual support,  French

Record 45,  Textual support,  Spanish

Record 46,  Textual support,  English

Record number: 46, Textual support number: 1 OBS

Published by the Canadian Bankers’ Association.  1, record 46, English, - Mortgage%20wise%20%3A%20a%20guide%20for%20home%20buyers

Record 46,  Textual support,  French

Record number: 46, Textual support number: 1 OBS

Publié par l'Association des banquiers canadiens.  1, record 46, French, - Une%20hypoth%C3%A8que%20%C3%A0%20votre%20mesure%3A%20conseils%20pratiques%20pour%20l%27achat%20d%27une%20maison

Record 46,  Textual support,  Spanish

Record 47,  Textual support,  English

Record number: 47, Textual support number: 1 OBS

equity in a home is calculated by substracting the mortgage outstanding on the home from its estimated value.  1, record 47, English, - equity%20in%20a%20home

Record 47,  Textual support,  French

Record 47,  Textual support,  Spanish