Calculatrice Hypothécaire & d'Amortissement
Modélisation exacte des prêts hypothécaires canadiens à taux fixe (capitalisation semestrielle `(1 + i/2)^(2/12) - 1`) et de l'impact des remboursements anticipés.
1. Paramètres du Prêt Hypothécaire
2. Remboursement Anticipé (Optionnel)
Chaque dollar versé en remboursement anticipé réduit directement le principal à 100 %, éliminant les intérêts composés futurs sur toute la durée restante.
$1,269.19
Bi-hebdomadaire accéléré (26x / an)$230,531
Coût total : $680,53119.2 ans
Initialement prévu : 25 ansVous économisez $80,983 d'intérêts et réduisez votre amortissement de 5 ans et 9 mois par rapport à un prêt mensuel standard !
Décomposition Annuelle : Principal Remboursé vs Intérêts Payés
Graphique en aires empilées illustrant la part d'intérêt et de capital pour chaque année
Excel & Notion Financial Model: Canadian Real Estate Acquisition & Stress-Test
The turnkey financial model used by analysts: Buy vs. Rent simulator (5% rule), semi-annual compounding mortgage calculator, Year-5 interest renewal shock (+200 bps), and FHSA/HBP down-payment tracker.
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Financial Methodology: Understanding Canadian Semi-Annual Compounding
In Canada, under the federal Interest Act and Bank Act, posted fixed mortgage interest rates are not compounded monthly (as in the United States), but semi-annually (twice per year), not in advance.
This Canadian statutory rule results in an effective monthly rate that is slightly lower than the nominal rate divided by 12. Our quantitative calculation engine computes this exact legal compounding equation across every amortization schedule.
The Power of Accelerated Bi-Weekly Mortgage Payments
Unlike regular bi-weekly schedules (monthly payment × 12 ÷ 26), an accelerated bi-weekly schedule divides the standard monthly payment by two (monthly payment ÷ 2, paid 26 times per year). This results in making the equivalent of 13 monthly payments each year, slashing a 25-year mortgage down to under 22 years and saving tens of thousands of dollars in lifetime interest.
Prepayments: Direct Principal Reduction at 100%
Every dollar contributed as a prepayment (annual lump-sum or monthly extra) directly attacks the outstanding principal balance. Because interest accrues on remaining principal, early prepayments immediately terminate compounding interest on that amount for the remaining loan lifecycle.
Frequently Asked Questions About Canadian Mortgages
For insured mortgages with less than a 20% down payment (CMHC, Sagen, Canada Guaranty), the maximum amortization is generally 25 years (extended to 30 years for eligible first-time homebuyers purchasing newly built homes). For conventional uninsured mortgages with 20% or more down payment, amortization can reach up to 30 years.
The Office of the Superintendent of Financial Institutions (OSFI) mandates that borrowers qualify at the higher of: the negotiated contract rate plus 2.00% (200 bps), or the regulatory qualifying floor rate of 5.25%.
Fixed-rate mortgages in Canada are compounded semi-annually by law. Variable-rate mortgages are typically compounded monthly, slightly altering the effective annual rate over identical nominal figures.