{"id":15715,"date":"2021-12-15T13:29:14","date_gmt":"2021-12-15T18:29:14","guid":{"rendered":"https:\/\/www.assur360.ca\/mortgage-calculators-2\/"},"modified":"2026-04-27T12:13:00","modified_gmt":"2026-04-27T16:13:00","slug":"mortgage-calculators-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/mortgage-calculators-2\/","title":{"rendered":"Mortgage calculators"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/simulation\/calculateurs-pret-hypothecaires\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/logo-assur360.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\"@type\":\"PostalAddress\",\"streetAddress\":\"760, boul. Frontenac Ouest\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"postalCode\":\"G6G 6L5\",\"addressCountry\":\"CA\"},\n  \"areaServed\": \"QC\",\n  \"serviceType\": [\"Assurance vie hypoth\u00e9caire\",\"Assurance habitation\",\"Assurance pr\u00eat hypoth\u00e9caire\"]\n}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 40px;text-align:center;margin:32px 0 40px;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">CALCULATEUR GRATUIT 2026<\/p>\n  <h1 style=\"color:#ffffff;font-size:34px;margin:0 0 16px;line-height:1.2;\"><span class=\"ez-toc-section\" id=\"Calculateur-de-pret-hypothecaire\"><\/span>Calculateur de pr\u00eat hypoth\u00e9caire<span class=\"ez-toc-section-end\"><\/span><\/h1>\n  <p style=\"color:#94a3b8;margin:0 auto 28px;max-width:620px;font-size:16px;line-height:1.6;\">Estimez en 5 secondes votre paiement mensuel, le total des int\u00e9r\u00eats et le co\u00fbt r\u00e9el de votre hypoth\u00e8que. Outil 100\u00a0% gratuit, con\u00e7u pour le Qu\u00e9bec.<\/p>\n  <a href=\"#calculateur\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Calculer mon paiement<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Prot\u00e9ger mon hypoth\u00e8que<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free &#038; no registration required<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">5 sec<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Instant result<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">QC<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Adapted to Quebec<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Certified firm<\/div>\n  <\/div>\n<\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>The Assur360<\/strong> <strong>mortgage calculator<\/strong> allows you to quickly estimate the periodic payment of a mortgage loan based on the amount borrowed, the interest rate and the amortization period. Designed for Quebec <strong>residents, it<\/strong> helps you plan the purchase of your property and choose the right <strong>mortgage life insurance coverage<\/strong> for your loan. <\/p>\n\n<div id=\"calculateur\" style=\"background:linear-gradient(180deg,#f8fafc,#ffffff);border:1px solid #e2e8f0;border-radius:16px;padding:32px;margin:32px 0;box-shadow:0 4px 24px rgba(13,31,45,0.06);\">\n  <div style=\"display:flex;align-items:center;gap:12px;margin-bottom:24px;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:20px;\">\ud83c\udfe0<\/div>\n    <h2 style=\"color:#0d1f2d;font-size:22px;margin:0;\"><span class=\"ez-toc-section\" id=\"Calculate-my-mortgage-payment\"><\/span>Calculate my mortgage payment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <\/div>\n\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-bottom:24px;\">\n    <div>\n      <label for=\"loanAmount\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Loan Amount ($)<\/label>\n      <input type=\"number\" id=\"loanAmount\" value=\"300000\" min=\"0\" step=\"1000\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\"\/>\n    <\/div>\n    <div>\n      <label for=\"downPayment\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Down payment ($)<\/label>\n      <input type=\"number\" id=\"downPayment\" value=\"60000\" min=\"0\" step=\"1000\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\"\/>\n    <\/div>\n    <div>\n      <label for=\"interestRate\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Interest rate (%)<\/label>\n      <input type=\"number\" id=\"interestRate\" value=\"5.25\" min=\"0\" step=\"0.01\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\"\/>\n    <\/div>\n    <div>\n      <label for=\"loanTerm\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Amortization (years)<\/label>\n      <select id=\"loanTerm\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\">\n        <option value=\"15\">15 years<\/option>\n        <option value=\"20\">20 years<\/option>\n        <option value=\"25\" selected=\"selected\">25 years<\/option>\n        <option value=\"30\">30 years<\/option>\n      <\/select>\n    <\/div>\n    <div style=\"grid-column:1 \/ -1;\">\n      <label for=\"frequency\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Payment<\/label>\n<select id=\"frequency\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\">\n Frequency <option value=\"12\" selected=\"selected\">Monthly (12 \/ year)<\/option>\n<option value=\"26\">Bi-weekly (26 \/ year)<\/option>\n<option value=\"52\">Weekly (52 \/ year)<\/option>                        \n      <\/select>       \n    <\/div>\n  <\/div>\n\n  <button type=\"button\" onclick=\"var P=parseFloat(document.getElementById('loanAmount').value)-parseFloat(document.getElementById('downPayment').value||0),a=parseFloat(document.getElementById('interestRate').value)\/100,y=parseInt(document.getElementById('loanTerm').value),f=parseInt(document.getElementById('frequency').value),b=document.getElementById('resultBox');if(isNaN(P)||P<=0||isNaN(a)||a&lt;0||isNaN(y)){b.style.display='none';return;}var r=a\/f,n=y*f,M=r===0?P\/n:P*r*Math.pow(1+r,n)\/(Math.pow(1+r,n)-1),t=M*n,i=t-P,l={12:'Paiement mensuel',26:'Paiement aux 2 semaines',52:'Paiement hebdomadaire'},F=function(x){return x.toLocaleString('fr-CA',{style:'currency',currency:'CAD',maximumFractionDigits:0}).replace('CA','').trim();};document.getElementById('periodLabel').textContent=l[f];document.getElementById('monthlyPayment').textContent=F(M);document.getElementById('totalInterest').textContent=F(i);document.getElementById('totalPaid').textContent=F(t);b.style.display='block';b.scrollIntoView({behavior:'smooth',block:'nearest'});\" style=\"width:100%;background:#10c4c7;color:#0d1f2d;padding:16px;border:none;border-radius:8px;font-weight:700;font-size:16px;cursor:pointer;letter-spacing:0.3px;\">Calculate my payment<\/button>\n\n  <div id=\"resultBox\" style=\"margin-top:28px;background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:12px;padding:28px;color:#ffffff;\">\n    <p style=\"color:#94a3b8;font-size:13px;text-transform:uppercase;letter-spacing:2px;margin:0 0 8px;\">YOUR ESTIMATE<\/p>\n    <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:24px;\">\n      <div>\n        <div id=\"periodLabel\" style=\"color:#94a3b8;font-size:13px;margin-bottom:6px;\">Monthly payment<\/div>\n        <div id=\"monthlyPayment\" style=\"color:#10c4c7;font-size:30px;font-weight:800;line-height:1.1;\">$1,441<\/div>\n      <\/div>\n      <div>\n        <div style=\"color:#94a3b8;font-size:13px;margin-bottom:6px;\">Total interest<\/div>\n        <div id=\"totalInterest\" style=\"color:#ffffff;font-size:22px;font-weight:700;line-height:1.1;\">$192,213<\/div>\n      <\/div>\n      <div>\n        <div style=\"color:#94a3b8;font-size:13px;margin-bottom:6px;\">Total cost<\/div>\n        <div id=\"totalPaid\" style=\"color:#ffffff;font-size:22px;font-weight:700;line-height:1.1;\">$432,213<\/div>\n      <\/div>\n    <\/div>\n    <div style=\"background:rgba(16,196,199,0.12);border:1px solid #10c4c7;border-radius:8px;padding:16px;margin-bottom:20px;\">\n      <p style=\"margin:0;color:#ffffff;font-size:14px;line-height:1.6;\">\ud83d\udca1 <strong>Did you know?<\/strong> <strong style=\"color:#10c4c7;\">Mortgage life insurance<\/strong> pays off your mortgage in the event of your death. <strong style=\"color:#10c4c7;\">Save up to 50%<\/strong> by using an independent broker instead of your lender.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"display:block;text-align:center;background:#10c4c7;color:#0d1f2d;padding:14px 24px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;\">Get my mortgage life insurance quote\u2192<\/a>\n  <\/div>\n<\/div>\n\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Broker&#8217;s advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Before you sign your mortgage, compare <strong style=\"color:#ffffff;\">individual life insurance<\/strong> to your lender. Independent life insurance is <strong style=\"color:#ffffff;\">often 30-50% cheaper<\/strong>, owned by you (transferable if you switch banks), and coverage remains fixed instead of decreasing with the balance of the loan. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-the-mortgage-payment-calculation-work\"><\/span>How does the mortgage payment calculation work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\">The periodic payment of a mortgage is calculated according to a standard mathematical formula that spreads the principal and interest over the entire amortization period. Here are the key things to understand. <\/p>\n\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;margin:24px 0;text-align:center;\">\n  <p style=\"color:#64748b;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 12px;\">STANDARD FORMULA<\/p>\n  <p style=\"color:#0d1f2d;font-size:20px;font-weight:700;margin:0 0 12px;font-family:Georgia,serif;\">M = P \u00d7 <span style=\"display:inline-block;vertical-align:middle;border-bottom:2px solid #0d1f2d;padding:0 6px;\">r(1 + r)<sup>n<\/sup><\/span> \u2044 <span style=\"display:inline-block;vertical-align:middle;padding:0 6px;\">(1 + r)<sup>n<\/sup> \u2212 1<\/span><\/p>\n  <p style=\"color:#64748b;font-size:13px;margin:0;\">where M = periodic payment, P = borrowed capital, r = periodic rate, n = total number of payments<\/p>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Interest rates<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The higher the rate, the higher the payment. A <strong>0.5%<\/strong> change over 25 years can add <strong>up to more than $25,000<\/strong> in interest. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u23f1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Payback period<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A longer period (30 years) reduces the monthly payment but <strong>greatly increases<\/strong> the total cost of interest paid.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Down payment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A down payment of <strong>20% or more<\/strong> avoids CMHC loan insurance and reduces your monthly payment.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Examples-of-payments-by-scenario\"><\/span>Examples of payments by scenario<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0 12px;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Loan Rate<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">\n <\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Term<\/th>\n <th style=\"padding:14px 16px;text-align:left;border:none;\">Payment \/ month<\/th>\n <th style=\"padding:14px 16px;text-align:left;border:none;\">Total interest<\/th>                                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$200,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">25 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,192<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">157,581<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$300,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">25 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,788<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">236,372<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$400,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">25 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$2,384<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">315,162<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$500,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">25 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$2,980<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">393,953<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$300,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">15 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$2,410<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">133,758<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$300,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">30 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,656<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">296,235<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative estimates based on a fixed rate of 5.25% and the calculator above. The actual rate offered depends on your file and lender. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5-steps-to-using-the-calculator-properly\"><\/span>5 steps to using the calculator properly<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Estimate the price of the property<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Indicate the total amount of your purchase (before transfer taxes, notary fees and inspection).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Enter your down payment<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">In Quebec, the minimum is <strong>5% on the first $500,000<\/strong> and <strong>10% on the portion between $500,001 and $1 million<\/strong>.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Choose a realistic interest rate<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Look at <a href=\"https:\/\/www.banqueducanada.ca\/taux\/taux-dinteret\/\" rel=\"nofollow noopener\" target=\"_blank\" style=\"color:#10c4c7;\">the Bank of Canada&#8217;s posted rates<\/a> and add the banks&#8217; usual margin (1.5 to 2 per cent).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Select the amortization period<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">25 years is the norm. 30 years is possible with a down payment of 20% or more, but costs more in interest. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Compare payment frequencies<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">An <strong>accelerated bi-weekly<\/strong> payment can <strong>save 3 to 5 years<\/strong> of amortization and tens of thousands in interest.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">PROT\u00c9GEZ VOTRE PR\u00caT<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;line-height:1.3;\">Votre hypoth\u00e8que m\u00e9rite la bonne assurance<\/h3>\n  <p style=\"color:#94a3b8;margin:0 auto 28px;max-width:560px;font-size:15px;line-height:1.6;\">Comparez les prix de <strong style=\"color:#ffffff;\">15+ assureurs vie<\/strong> au Qu\u00e9bec en 3 minutes. Un courtier ind\u00e9pendant Assur360 vous accompagne gratuitement.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Soumission gratuite en 3 min<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Complementary-coverage-to-your-mortgage\"><\/span>Complementary coverage to your mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\">A mortgage commits your family for 25 years. Three types of insurance coverage help secure your investment and that of your loved ones. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(1,1fr);gap:16px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83d\udee1\ufe0f Assurance vie hypoth\u00e9caire<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Rembourse le solde de votre pr\u00eat si vous d\u00e9c\u00e9dez. Une <a href=\"\/blog\/assurance-vie\/\" style=\"color:#10c4c7;\">assurance vie individuelle<\/a> est g\u00e9n\u00e9ralement plus avantageuse que celle propos\u00e9e par votre pr\u00eateur.<\/p>\n    <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"color:#10c4c7;font-weight:700;text-decoration:none;font-size:14px;\">Obtenir une soumission \u2192<\/a>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83c\udfe0 Assurance habitation<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Obligatoire pour obtenir un pr\u00eat hypoth\u00e9caire au Qu\u00e9bec. Elle prot\u00e8ge votre b\u00e2timent, vos biens et votre responsabilit\u00e9 civile.<\/p>\n    <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"color:#10c4c7;font-weight:700;text-decoration:none;font-size:14px;\">Obtenir une soumission \u2192<\/a>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\u2695\ufe0f Assurance invalidit\u00e9 &#038; maladie grave<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Garantit le paiement de votre hypoth\u00e8que si une maladie ou un accident vous emp\u00eache de travailler. Souvent n\u00e9glig\u00e9e, mais essentielle.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Available-throughout-Quebec\"><\/span>Available throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"color:#334155;line-height:1.7;\"><strong>Assur360<\/strong> brokers support home buyers in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Gatineau<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Drummondville<\/strong> and <strong>Thetford Mines<\/strong>. Whether you are buying in an urban or rural area, our <strong>AMF-certified<\/strong> brokers will find the mortgage life insurance best suited to your profile. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Tools-and-Articles\"><\/span>Related Tools and Articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/simulation\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83e\uddee Tous les simulateurs Assur360<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Calculateurs gratuits d&#8217;assurance auto, habitation, vie, sinistres et plus.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udee1\ufe0f Soumission assurance vie<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Comparez 15+ assureurs vie en 3 minutes pour prot\u00e9ger votre hypoth\u00e8que.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe0 Soumission assurance habitation<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Obligatoire pour votre pr\u00eat hypoth\u00e9caire \u2014 comparez les meilleurs prix.<\/p>\n  <\/a>\n  <a href=\"\/blog\/assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udcda Guide assurance vie hypoth\u00e9caire<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Tout savoir sur les options pour prot\u00e9ger votre pr\u00eat et votre famille.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">L&#8217;assurance vie est-elle obligatoire pour obtenir une hypoth\u00e8que?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Non, l&#8217;assurance vie n&#8217;est <strong>pas obligatoire<\/strong> pour obtenir un pr\u00eat hypoth\u00e9caire au Qu\u00e9bec. Seule l&#8217;<a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"color:#10c4c7;\">assurance habitation<\/a> est exig\u00e9e par les pr\u00eateurs. Cependant, l&#8217;assurance vie est <strong>fortement recommand\u00e9e<\/strong> pour prot\u00e9ger votre famille du fardeau du pr\u00eat en cas de d\u00e9c\u00e8s.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Vaut-il mieux prendre l&#8217;assurance vie de la banque ou un courtier?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Une <strong>assurance vie individuelle via courtier<\/strong> est presque toujours plus avantageuse: prix inf\u00e9rieur de 30 \u00e0 50 %, couverture qui ne diminue pas avec le solde du pr\u00eat, transf\u00e9rable si vous changez de banque, et b\u00e9n\u00e9ficiaire choisi par vous (et non la banque).<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Combien co\u00fbte une assurance vie hypoth\u00e9caire au Qu\u00e9bec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Une assurance vie temporaire de <strong>500 000 $ sur 25 ans<\/strong> co\u00fbte entre <strong>20 $ et 80 $ par mois<\/strong> pour un adulte non-fumeur en bonne sant\u00e9. Le prix varie selon l&#8217;\u00e2ge, l&#8217;\u00e9tat de sant\u00e9, le statut tabagique et la dur\u00e9e du terme.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quelle est la diff\u00e9rence entre vie temporaire et permanente pour une hypoth\u00e8que?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">L&#8217;<strong>assurance vie temporaire<\/strong> (T20, T25, T30) couvre une p\u00e9riode d\u00e9finie au co\u00fbt le plus bas \u2014 c&#8217;est le choix le plus populaire pour couvrir une hypoth\u00e8que. L&#8217;<strong>assurance vie permanente<\/strong> couvre toute la vie et accumule une valeur de rachat, mais co\u00fbte 5 \u00e0 10 fois plus cher.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quel est le calcul exact du paiement hypoth\u00e9caire au Canada?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Au Canada, les hypoth\u00e8ques utilisent une <strong>capitalisation semestrielle<\/strong>. La formule g\u00e9n\u00e9rale est <strong>M = P \u00d7 r(1+r)^n \/ ((1+r)^n \u2212 1)<\/strong>, o\u00f9 r est le taux p\u00e9riodique converti et n le nombre total de paiements. Notre calculateur applique cette formule pour fournir une estimation fiable.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Le paiement aux deux semaines est-il vraiment plus avantageux?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Un paiement <strong>aux deux semaines acc\u00e9l\u00e9r\u00e9<\/strong> \u00e9quivaut \u00e0 un paiement mensuel divis\u00e9 par 2, soit <strong>26 paiements par ann\u00e9e<\/strong> au lieu de 24. Cette strat\u00e9gie peut <strong>r\u00e9duire l&#8217;amortissement de 3 \u00e0 5 ans<\/strong> et \u00e9conomiser plusieurs dizaines de milliers de dollars en int\u00e9r\u00eats sur la dur\u00e9e du pr\u00eat.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quelle mise de fonds minimum au Qu\u00e9bec en 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Au Qu\u00e9bec en 2026: <strong>5 %<\/strong> sur les premiers 500 000 $ du prix d&#8217;achat, <strong>10 %<\/strong> sur la portion entre 500 001 $ et 1 500 000 $, et <strong>20 %<\/strong> au-del\u00e0 de 1,5 M$. Une mise de fonds <strong>inf\u00e9rieure \u00e0 20 %<\/strong> exige une assurance pr\u00eat SCHL.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Que se passe-t-il avec mon hypoth\u00e8que si je deviens invalide?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Sans <strong>assurance invalidit\u00e9<\/strong>, vous demeurez responsable de vos paiements. Une assurance invalidit\u00e9 ou maladie grave couvre vos paiements hypoth\u00e9caires si vous ne pouvez plus travailler. Un courtier Assur360 peut vous aider \u00e0 monter une protection compl\u00e8te \u00e0 un prix avantageux.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"L'assurance vie est-elle obligatoire pour obtenir une hypoth\u00e8que?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, l'assurance vie n'est pas obligatoire pour obtenir un pr\u00eat hypoth\u00e9caire au Qu\u00e9bec. Seule l'assurance habitation est exig\u00e9e par les pr\u00eateurs. Cependant, l'assurance vie est fortement recommand\u00e9e pour prot\u00e9ger votre famille du fardeau du pr\u00eat en cas de d\u00e9c\u00e8s.\"}},\n    {\"@type\":\"Question\",\"name\":\"Vaut-il mieux prendre l'assurance vie de la banque ou un courtier?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une assurance vie individuelle via courtier est presque toujours plus avantageuse: prix inf\u00e9rieur de 30 \u00e0 50 %, couverture qui ne diminue pas avec le solde du pr\u00eat, transf\u00e9rable si vous changez de banque, et b\u00e9n\u00e9ficiaire choisi par vous.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance vie hypoth\u00e9caire au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une assurance vie temporaire de 500 000 $ sur 25 ans co\u00fbte entre 20 $ et 80 $ par mois pour un adulte non-fumeur en bonne sant\u00e9. Le prix varie selon l'\u00e2ge, l'\u00e9tat de sant\u00e9, le statut tabagique et la dur\u00e9e du terme.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre vie temporaire et permanente pour une hypoth\u00e8que?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance vie temporaire (T20, T25, T30) couvre une p\u00e9riode d\u00e9finie au co\u00fbt le plus bas \u2014 c'est le choix le plus populaire pour couvrir une hypoth\u00e8que. L'assurance vie permanente couvre toute la vie et accumule une valeur de rachat, mais co\u00fbte 5 \u00e0 10 fois plus cher.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quel est le calcul exact du paiement hypoth\u00e9caire au Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Au Canada, les hypoth\u00e8ques utilisent une capitalisation semestrielle. La formule g\u00e9n\u00e9rale est M = P \u00d7 r(1+r)^n \/ ((1+r)^n \u2212 1), o\u00f9 r est le taux p\u00e9riodique converti et n le nombre total de paiements.\"}},\n    {\"@type\":\"Question\",\"name\":\"Le paiement aux deux semaines est-il vraiment plus avantageux?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un paiement aux deux semaines acc\u00e9l\u00e9r\u00e9 \u00e9quivaut \u00e0 un paiement mensuel divis\u00e9 par 2, soit 26 paiements par ann\u00e9e au lieu de 24. Cette strat\u00e9gie peut r\u00e9duire l'amortissement de 3 \u00e0 5 ans et \u00e9conomiser plusieurs dizaines de milliers de dollars en int\u00e9r\u00eats.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelle mise de fonds minimum au Qu\u00e9bec en 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Au Qu\u00e9bec en 2026: 5 % sur les premiers 500 000 $ du prix d'achat, 10 % sur la portion entre 500 001 $ et 1 500 000 $, et 20 % au-del\u00e0 de 1,5 M$. Une mise de fonds inf\u00e9rieure \u00e0 20 % exige une assurance pr\u00eat SCHL.\"}},\n    {\"@type\":\"Question\",\"name\":\"Que se passe-t-il avec mon hypoth\u00e8que si je deviens invalide?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sans assurance invalidit\u00e9, vous demeurez responsable de vos paiements. Une assurance invalidit\u00e9 ou maladie grave couvre vos paiements hypoth\u00e9caires si vous ne pouvez plus travailler.\"}}\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>15+ Life Insurers<\/strong> Compared<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">100% <strong>Quebec<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SOUMISSION GRATUITE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Pr\u00eat \u00e0 prot\u00e9ger votre hypoth\u00e8que?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 auto 28px;max-width:560px;font-size:15px;line-height:1.6;\">Comparez en 3 minutes les meilleurs prix d&#8217;assurance vie hypoth\u00e9caire au Qu\u00e9bec \u2014 un courtier <strong style=\"color:#ffffff;\">Assur360<\/strong> vous accompagne gratuitement.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Obtenir ma soumission<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde Appeler un courtier<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulateurs\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Calculateur de pr\u00eat hypoth\u00e9caire\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/calculateurs-pret-hypothecaires\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>CALCULATEUR GRATUIT 2026 Calculateur de pr\u00eat hypoth\u00e9caire Estimez en 5 secondes votre paiement mensuel, le total des int\u00e9r\u00eats et le co\u00fbt r\u00e9el [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":39117,"parent":58627,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Mortgage Calculators | Assur360","_seopress_titles_desc":"Use our mortgage calculators to estimate your payments, compare rates and plan your home purchase. 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