{"id":58599,"date":"2026-04-21T14:07:55","date_gmt":"2026-04-21T18:07:55","guid":{"rendered":"https:\/\/www.assur360.ca\/landlord-or-tenant-calculator-2026-should-i-buy-or-rent\/"},"modified":"2026-05-22T10:36:44","modified_gmt":"2026-05-22T14:36:44","slug":"landlord-or-tenant-calculator-2026-should-i-buy-or-rent","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/landlord-or-tenant-calculator-2026-should-i-buy-or-rent\/","title":{"rendered":"Landlord or tenant calculator 2026: should I buy or rent?"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.vcalc-wrap *{box-sizing:border-box}\n.vcalc-wrap{font-family:'DM Sans',system-ui,sans-serif;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;padding:0;margin:32px 0;overflow:hidden;box-shadow:0 20px 60px -20px 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14px;font-weight:700}\n.vcalc-row{display:flex;justify-content:space-between;padding:6px 0;font-size:14px;color:#cbd5e1;border-bottom:1px solid rgba(255,255,255,.06)}\n.vcalc-row:last-child{border-bottom:none}\n.vcalc-row.total{border-top:2px solid #10c4c7;margin-top:8px;padding-top:12px;color:#fff;font-weight:700;font-size:16px}\n.vcalc-row .v{color:#fff;font-weight:600}\n.vcalc-row.total .v{color:#10c4c7;font-size:18px}\n.vcalc-explain{background:rgba(255,255,255,.04);border-radius:10px;padding:16px 20px;font-size:13px;color:#94a3b8;line-height:1.7}\n.vcalc-explain strong{color:#10c4c7}\n@media(max-width:768px){.vcalc-body{grid-template-columns:1fr}.vcalc-col.owner{border-right:none;border-bottom:1px solid #e2e8f0}.vcalc-shared-grid{grid-template-columns:1fr}.vcalc-compare{grid-template-columns:1fr}.vcalc-head h3{font-size:20px}.vcalc-col{padding:22px}}\n<\/style><div class=\"vcalc-wrap\" id=\"vcalc\"><div class=\"vcalc-head\"><h3>Calculateur : Propri\u00e9taire ou locataire ?<\/h3><p>Comparez le co\u00fbt r\u00e9el d&#8217;acheter vs louer sur la dur\u00e9e de votre choix.<\/p><\/div><div class=\"vcalc-body\"><div class=\"vcalc-col owner\"><h4><span>\ud83c\udfe0<\/span> Si vous achetez<\/h4><div class=\"vcalc-field\"><label>Prix d&#8217;achat <span class=\"hint\">($)<\/span><\/label><input type=\"number\" id=\"f_prix\" value=\"400000\" min=\"0\" step=\"5000\"\/><\/div><div class=\"vcalc-field\"><label>Mise de fonds <span class=\"hint\">(%)<\/span><\/label><input type=\"number\" id=\"f_mise\" value=\"20\" min=\"5\" max=\"100\" step=\"1\"\/><\/div><div class=\"vcalc-field\"><label>Taux hypoth\u00e9caire <span class=\"hint\">(% annuel)<\/span><\/label><input type=\"number\" id=\"f_taux\" value=\"5.25\" min=\"0\" max=\"15\" step=\"0.05\"\/><\/div><div class=\"vcalc-field\"><label>Amortissement <span class=\"hint\">(ann\u00e9es)<\/span><\/label><input type=\"number\" id=\"f_amort\" value=\"25\" min=\"5\" max=\"30\" step=\"1\"\/><\/div><div class=\"vcalc-field\"><label>Taxes municipales + scolaires <span class=\"hint\">($ \/ an)<\/span><\/label><input type=\"number\" id=\"f_taxes\" value=\"3800\" min=\"0\" step=\"100\"\/><\/div><div class=\"vcalc-field\"><label>Assurance habitation <span class=\"hint\">($ \/ an)<\/span><\/label><input type=\"number\" id=\"f_assur\" value=\"1200\" min=\"0\" step=\"50\"\/><\/div><div class=\"vcalc-field\"><label>Entretien annuel <span class=\"hint\">(% de la valeur)<\/span><\/label><input type=\"number\" id=\"f_entretien\" value=\"1.5\" min=\"0\" max=\"10\" step=\"0.1\"\/><\/div><div class=\"vcalc-field\"><label>Frais copropri\u00e9t\u00e9 (condo) <span class=\"hint\">($ \/ mois \u2014 0 si maison)<\/span><\/label><input type=\"number\" id=\"f_condo\" value=\"0\" min=\"0\" step=\"25\"\/><\/div><div class=\"vcalc-field\"><label>Frais de cl\u00f4ture initiaux <span class=\"hint\">(% du prix \u2014 notaire, taxes bienvenue)<\/span><\/label><input type=\"number\" id=\"f_cloture\" value=\"2\" min=\"0\" max=\"10\" step=\"0.25\"\/><\/div><div class=\"vcalc-field\"><label>Appr\u00e9ciation immobili\u00e8re <span class=\"hint\">(% \/ an)<\/span><\/label><input type=\"number\" id=\"f_apprec\" value=\"3\" min=\"-5\" max=\"15\" step=\"0.25\"\/><\/div><\/div><div class=\"vcalc-col renter\"><h4><span>\ud83d\udd11<\/span> Si vous louez<\/h4><div class=\"vcalc-field\"><label>Loyer mensuel <span class=\"hint\">($ \/ mois)<\/span><\/label><input type=\"number\" id=\"f_loyer\" value=\"1600\" min=\"0\" step=\"25\"\/><\/div><div class=\"vcalc-field\"><label>Assurance locataire <span class=\"hint\">($ \/ mois)<\/span><\/label><input type=\"number\" id=\"f_assur_loc\" value=\"25\" min=\"0\" step=\"5\"\/><\/div><div class=\"vcalc-field\"><label>Augmentation annuelle du loyer <span class=\"hint\">(% \/ an)<\/span><\/label><input type=\"number\" id=\"f_hausse_loyer\" value=\"3\" min=\"0\" max=\"15\" step=\"0.25\"\/><\/div><div class=\"vcalc-field\"><label>Rendement de vos placements <span class=\"hint\">(% \/ an, apr\u00e8s imp\u00f4t \u2014 ex. CELI indiciel)<\/span><\/label><input type=\"number\" id=\"f_rendement\" value=\"6\" min=\"0\" max=\"15\" step=\"0.25\"\/><\/div><div class=\"vcalc-field\"><label style=\"color:#0d1f2d;font-weight:700;font-size:14px;\">\ud83d\udca1 Principe du calculateur<\/label><p style=\"color:#475569;font-size:13px;line-height:1.6;margin:0;padding:12px 14px;background:#f0fdfa;border-radius:8px;border-left:3px solid #10c4c7;\">Si louer co\u00fbte moins cher que poss\u00e9der, la diff\u00e9rence <strong>+ la mise de fonds qui n&#8217;a pas \u00e9t\u00e9 immobilis\u00e9e<\/strong> est investie chaque mois au rendement indiqu\u00e9.<\/p><\/div><\/div><\/div><div class=\"vcalc-shared\"><h4>\u23f1 Dur\u00e9e de la comparaison<\/h4><div class=\"vcalc-shared-grid\"><div class=\"vcalc-field\" style=\"margin:0\"><label>Horizon <span class=\"hint\">(ann\u00e9es)<\/span><\/label><input type=\"number\" id=\"f_duree\" value=\"10\" min=\"1\" max=\"30\" step=\"1\"\/><\/div><div class=\"vcalc-field\" style=\"margin:0\"><label>Frais de vente \u00e0 la sortie <span class=\"hint\">(% \u2014 courtier, notaire)<\/span><\/label><input type=\"number\" id=\"f_vente\" value=\"5\" min=\"0\" max=\"10\" step=\"0.5\"\/><\/div><div class=\"vcalc-field\" style=\"margin:0\"><label>Inflation des charges <span class=\"hint\">(% \/ an sur taxes + entretien)<\/span><\/label><input type=\"number\" id=\"f_infl\" value=\"2.5\" min=\"0\" max=\"10\" step=\"0.25\"\/><\/div><\/div><\/div><div class=\"vcalc-btn-wrap\"><button class=\"vcalc-btn\" id=\"vcalc_btn\" type=\"button\">Calculer ma situation<\/button><\/div><div class=\"vcalc-results\" id=\"vcalc_results\"><div class=\"vcalc-verdict\" id=\"v_verdict\"><\/div><div class=\"vcalc-compare\"><div class=\"vcalc-box\"><h5>\ud83c\udfe0 Sc\u00e9nario propri\u00e9taire<\/h5><div class=\"vcalc-row\"><span>Paiement hypoth\u00e9caire \/ mois<\/span><span class=\"v\" id=\"r_paiement\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Int\u00e9r\u00eats pay\u00e9s (cumul\u00e9s)<\/span><span class=\"v\" id=\"r_interets\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Capital rembours\u00e9<\/span><span class=\"v\" id=\"r_capital\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Taxes + assurance + entretien<\/span><span class=\"v\" id=\"r_charges\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Frais de cl\u00f4ture (initial + vente)<\/span><span class=\"v\" id=\"r_fraisclo\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Valeur de la maison (fin)<\/span><span class=\"v\" id=\"r_valmaison\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Solde hypoth\u00e8que (fin)<\/span><span class=\"v\" id=\"r_solde\">\u2014<\/span><\/div><div class=\"vcalc-row total\"><span>Valeur nette propri\u00e9taire<\/span><span class=\"v\" id=\"r_net_prop\">\u2014<\/span><\/div><\/div><div class=\"vcalc-box\"><h5>\ud83d\udd11 Sc\u00e9nario locataire<\/h5><div class=\"vcalc-row\"><span>Loyer moyen \/ mois<\/span><span class=\"v\" id=\"r_loyermoy\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Loyer + assurance (cumul\u00e9)<\/span><span class=\"v\" id=\"r_totloyer\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Mise de fonds investie (au d\u00e9part)<\/span><span class=\"v\" id=\"r_mise\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Diff\u00e9rences mensuelles investies<\/span><span class=\"v\" id=\"r_diffinv\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Rendement du portefeuille<\/span><span class=\"v\" id=\"r_rendement\">\u2014<\/span><\/div><div class=\"vcalc-row total\"><span>Valeur nette locataire<\/span><span class=\"v\" id=\"r_net_loc\">\u2014<\/span><\/div><\/div><\/div><div class=\"vcalc-explain\" id=\"v_explain\"><\/div><\/div><\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Buying or renting in Quebec in 2026 is not just a matter of preference. It&#8217;s a financial calculation that depends on the purchase price, the mortgage rate, the rent in your area and\u2014most importantly\u2014the <strong>return you can get elsewhere<\/strong> with the down payment. This free calculator, based on the method popularized by <strong>Fran\u00e7ois Lambert<\/strong> and <strong>CMHC<\/strong> analyses, gives you a numerical answer in 30 seconds. Assur360, an <strong>AMF-certified<\/strong> firm, shares this tool with its clients to help them make an informed choice.   <\/p>\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;\">D\u00c9CISION IMMOBILI\u00c8RE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Est-ce-que-ma-maison-est-vraiment-un-meilleur-placement-que-la-bourse\"><\/span>Est-ce que ma maison est vraiment un meilleur placement que la bourse ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Le calculateur ci-dessus utilise la m\u00eame logique que les planificateurs financiers : il compare la valeur nette des deux sc\u00e9narios, frais cach\u00e9s inclus. Demandez aussi une soumission d&#8217;assurance habitation pour ancrer vos chiffres.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Soumission habitation gratuite<\/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;\">10<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Variables analyzed<\/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;\">30 s<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Time for a verdict<\/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;\">25 years<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Maximum horizon<\/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;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free and anonymous<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-the-calculator-works\"><\/span>How the calculator works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Most people compare their mortgage payment to their rent. This is a mistake. A homeowner also pays taxes, maintenance, insurance and closing costs \u2014 and his down payment could have grown elsewhere. The Assur360 calculator corrects for these biases by simulating the two scenarios over the horizon you choose <strong>on a month-by-month<\/strong> basis, and then compares the final net worth.   <\/p>\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;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Owner&#8217;s side<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">We calculate the mortgage payment (principal + interest), we add municipal taxes, school taxes, maintenance (1 to 3% of the value), insurance, condo. We also increase the value of the house according to the appreciation chosen and we remove the selling costs at the exit. <\/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\udd11<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Tenant side<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The <strong>non-locked-in down payment<\/strong> is invested from the start. Every month that owning is more expensive than renting, the difference is added to the wallet. All of this grows at the return you indicate (6% is a realistic average for an index TFSA).  <\/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\udcca<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">The verdict<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">At the end of the horizon, we compare two net values: <strong>the value of the house \u2013 mortgage balance \u2013 selling costs<\/strong> on the one hand, and <strong>the value of the portfolio<\/strong> on the other. The winner is the one who leaves the most money in your pocket. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6-steps-to-a-reliable-result\"><\/span>6 steps to a reliable result<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;\">Enter a realistic purchase price for YOUR neighborhood<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A 41\/2 in Montreal costs $500,000, in Thetford Mines $220,000. Consult the property assessment portal or recently sold properties on <strong>Centris<\/strong> before filling out. <\/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;\">Down payment: minimum 5% (or 20% to avoid CMHC insurance)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Below 20%, add CMHC mortgage default insurance (2.8% to 4% of the loan) to your purchase price. On $400,000 with a 10% bet, that&#8217;s about $12,000 more. <\/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;\">Mortgage rate: use today&#8217;s rate, not posted rate<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">In April 2026, 5-year fixed rates are around <strong>4.79% to 5.49% according to<\/strong> the Bank of Canada and Canadian banks. Choose a median value to test. <\/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;\">Interview: 1.5% is prudent, 3% is the norm for financiers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Fran\u00e7ois Lambert uses <strong>3%<\/strong> in his simulations. The rule of thumb is recognized: <strong>1% to 4%<\/strong> of the value of the house per year (roof, windows, heating, entrance, landscaping combined). <\/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;\">Investment returns: stay conservative<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The S&#038;P 500 has returned an average of 9.5% over 30 years, but after taxes and fees, count <strong>5.5% to 7%<\/strong> net. A 60\/40 portfolio (stocks\/bonds): 5% to 6%. Avoid 10%+ assumptions: this is a bias in favour of renting.  <\/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;\">6<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Real estate appreciation: 3% is realistic, not 8%<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">In Quebec, the average <strong>long-term<\/strong> (20+ years) home appreciation is 3-4% after inflation. The highs of 2020-2022 (+15%\/year) are not repeated. Stay conservative.  <\/p><\/div>\n  <\/div>\n<\/div>\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;\">The advice of Fran\u00e7ois Lambert \u2014 and most planners<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">&#8220;The house as an investment is not automatically a winner. <strong style=\"color:#ffffff;\">A homeowner&#8217;s real gain comes from leverage<\/strong> (buying $400,000 with $80,000 stake), not from price appreciation. If you can&#8217;t commit to a minimum of 7 years, renting and investing the difference will often be a winner. \u00bb<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison-Chart-Owner-vs-Renter-in-Quebec-2026\"><\/span>Comparison Chart: Owner vs. Renter in Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\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;\">Criterion<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">\ud83c\udfe0 Owner<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">\ud83d\udd11 Tenant<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Cost of admission<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:600;\">High (bet + 2-3% fee)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">Low (1-2 months rent)<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Leverage<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">\u2713 5x your stake<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">None<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Liquidity<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Low (30-90 days to sell)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">High (24-hour saleable investments)<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Geographic<\/td>\n flexibility<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Low<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">High (12 month lease)<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Maintenance \/ unforeseen events<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">At your own expense (1-3%\/year)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">\u2713 Owner pays<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Cost of living<\/td>\n indexation<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">\u2713 Fixed mortgage = protection<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Rent indexed annually<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Forced Discipline of Savings<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">\u2713 Principal repaid<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Request for personal discipline<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Expected return (long term)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3-4% real (Quebec 20 years+)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">5-7% real (global index)<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Recommended<\/td>\n minimum horizon<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">7 years minimum<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">All horizons<\/td>                \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Donn\u00e9es indicatives 2026 \u2014 SCHL, Banque du Canada, Statistique Canada. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\">Obtenez votre soumission habitation en 3 minutes<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9A%A0-The-hidden-fees-that-80-of-buyers-forget-about\"><\/span>\u26a0 The hidden fees that 80% of buyers forget about<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;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;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">These expenses can add $15,000 to $40,000 in the first year<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.7;\"><strong>Welcome taxes<\/strong> (transfer taxes): 0.5% to 2.5% of the price. Out of $400,000 in Montreal: \u2248 $4,500. <strong>Notary<\/strong> : $1,200 to $2,000. <strong>Pre-purchase inspection<\/strong> : $400 to $800. <strong>CMHC insurance<\/strong> if down payment < 20%: 2.8% to 4% of the loan. <strong>Moving + Move-In Renovos<\/strong> : $5,000 to $15,000. <strong>Adjusted property taxes<\/strong> and year-end adjustment: variable. <strong>Title + recording<\/strong> : $300. Our calculator incorporates these costs via the &#8220;closing costs&#8221; field \u2014 2% is a floor, aim for 3%.  <\/p>\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;\">PROCHAINE \u00c9TAPE<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Vous penchez pour l&#8217;achat ? Prot\u00e9gez-le.<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Assur360 compare 30+ assureurs en 3 minutes. Prime juste, couverture compl\u00e8te, service bilingue.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" 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 habitation gratuite<\/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;\">1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-to-buy-and-when-to-rent-depending-on-your-situation\"><\/span>When to buy and when to rent (depending on your situation)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">The calculator&#8217;s verdict is a first reading. Your living situation matters as much as the numbers. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 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:16px;margin:0 0 10px;\">\ud83c\udfe0 Buy if&#8230;<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.7;margin:0;\">You stay <strong>7 years or more<\/strong> in the same place \u00b7 You have a stable job and a 20% down payment \u00b7 You are disciplined for maintenance \u00b7 You want the security of a fixed payment \u00b7 The family is growing \u00b7 The rent in your area is very close to the property charges.<\/p>\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:16px;margin:0 0 10px;\">\ud83d\udd11 Rent if&#8230;<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.7;margin:0;\">Your horizon is <strong>less than 5 years<\/strong> \u00b7 You don&#8217;t have the minimum down payment \u00b7 You prioritize flexibility (career, travel) \u00b7 Your rent is significantly below the property charges \u00b7 You already invest rigorously (RRSP\/TFSA) \u00b7 You hate maintenance or live in a high-end condo.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-concrete-examples-in-Quebec-2026\"><\/span>3 concrete examples in Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\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=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin-bottom:10px;\">EXAMPLE 1 \u2014 MONTREAL<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">Couple, condo $500,000, 5-year horizon<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Down 20%, rate 5.25%, utilities $450 condo, taxes $3,600, equivalent rent $2,100\/month.<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;font-size:14px;margin:0;\">Verdict: \ud83d\udd11 Renting earns \u2248 $35,000 (too short a time horizon to absorb the selling costs).<\/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=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin-bottom:10px;\">EXAMPLE 2 \u2014 QUEBEC<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">Family, house $380,000, 15-year horizon<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Down 15%, rate 5.0%, taxes $3,400, maintenance 1.5%, equivalent rent $1,750\/month.<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;font-size:14px;margin:0;\">Verdict: \ud83c\udfe0 Buy wins $\u2248 $80,000 (leverage + duration).<\/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=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin-bottom:10px;\">EXAMPLE 3 \u2014 THETFORD MINES<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">Single, house $220,000, 10-year horizon<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">20% Deposit, 5.15% Rate, Taxes $2,600, Equivalent Rent $950\/month, 6% Yield.<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;font-size:14px;margin:0;\">Verdict: \ud83c\udfe0 Buying earns \u2248 $45,000 (low rents but favourable price\/rent ratio).<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Price-to-rent-ratio-in-Quebecs-main-cities\"><\/span>Price-to-rent ratio in Quebec&#8217;s main cities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Le calculateur s&#8217;applique \u00e0 tout le Qu\u00e9bec, mais les seuils o\u00f9 acheter devient rentable varient selon la ville. \u00c0 <strong>Montr\u00e9al<\/strong> et \u00e0 <strong>Laval<\/strong>, l&#8217;\u00e9cart prix\/loyer est \u00e9lev\u00e9 : louer + investir gagne souvent jusqu&#8217;\u00e0 10 ans. \u00c0 <strong>Qu\u00e9bec<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Gatineau<\/strong>, <strong>Thetford Mines<\/strong> et <strong>Drummondville<\/strong>, le ratio est plus favorable \u00e0 l&#8217;achat \u2014 un 200 000 \u00e0 320 000 $ rembourse rapidement quand les loyers sont relativement bas. Pour une d\u00e9cision \u00e9clair\u00e9e, combinez le calculateur avec une <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\">soumission d&#8217;assurance habitation Assur360<\/a> : vous aurez le vrai co\u00fbt annuel de possession.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Calculators\"><\/span>Related Articles and Calculators<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/mortgage-calculators-2\/\" 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;\">Mortgage Calculators<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Borrowing capacity, monthly payments, amortization \u2014 our official tools.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" 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;\">Home insurance in Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Complete guide to homeowners&#8217; coverage \u2014 prices, exclusions, discounts.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" 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;\">Tenant Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Starting at $15\/month \u2014 protect your property and liability.<\/p>\n  <\/a>\n  <a href=\"\/quiz-assurance\/\" 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;\">Quiz: Which insurance do you need?<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Answer 8 questions, receive your personalized plan.<\/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:32px 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;\">Acheter une maison est-il toujours un bon investissement ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Non. Acheter devient un bon placement quand <strong>3 conditions<\/strong> sont r\u00e9unies : horizon de d\u00e9tention d&#8217;au moins 7 ans, mise de fonds de 20 % (pour \u00e9viter les primes SCHL), et un ratio prix\/loyer raisonnable dans votre secteur. Sur un horizon court ou dans un march\u00e9 tr\u00e8s cher par rapport au loyer (ex. Montr\u00e9al, Toronto), louer + investir peut battre l&#8217;achat. Notre calculateur vous donne la r\u00e9ponse chiffr\u00e9e pour votre cas.<\/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 r\u00e8gle du 5 % de Ben Felix (YouTube) ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">La r\u00e8gle du 5 % dit qu&#8217;un propri\u00e9taire paie environ 5 % de la valeur de sa maison par ann\u00e9e en co\u00fbts non r\u00e9cup\u00e9rables (int\u00e9r\u00eats hypoth\u00e9caires \u2248 2 %, taxes + entretien \u2248 2 %, co\u00fbt d&#8217;opportunit\u00e9 de la mise de fonds \u2248 1 %). Si votre loyer annuel \u00e9quivalent est <strong>inf\u00e9rieur<\/strong> \u00e0 5 % du prix d&#8217;achat, louer est financi\u00e8rement avantageux. Exemple : maison 400 000 $ \u2192 20 000 $\/an = 1 667 $\/mois de seuil. Si vous louez l&#8217;\u00e9quivalent sous 1 667 $, louez.<\/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;\">Faut-il inclure l&#8217;imp\u00f4t dans la comparaison ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Au Canada, la vente de votre r\u00e9sidence principale est <strong>exempte d&#8217;imp\u00f4t<\/strong> sur le gain en capital. C\u00f4t\u00e9 locataire, si vous investissez dans un <strong>CELI<\/strong>, les gains sont aussi libres d&#8217;imp\u00f4t \u2014 la comparaison est \u00e9quitable. Si vous investissez dans un compte non enregistr\u00e9, ajustez le rendement \u00e0 la baisse (ex. 6 % brut \u2192 4,5 % net apr\u00e8s imp\u00f4t sur dividendes et gain en capital). Notre calculateur demande un rendement \u00ab apr\u00e8s imp\u00f4t \u00bb pour \u00e9viter ce biais.<\/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;\">Pourquoi 3 % d&#8217;entretien ? Ma maison n&#8217;a rien co\u00fbt\u00e9 en 5 ans.<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Parce que l&#8217;entretien est <strong>par vagues<\/strong>. Toit (30 ans) : 15 000 $. Fen\u00eatres (25 ans) : 20 000 $. Chauffage\/thermopompe (15 ans) : 10 000 $. Entr\u00e9e pav\u00e9e (20 ans) : 8 000 $. Drain fran\u00e7ais (30 ans) : 15 000 $. Cuisine\/salle de bain (25 ans) : 40 000 $. Liss\u00e9 sur 30 ans, \u00e7a repr\u00e9sente \u2248 3 500 $ par ann\u00e9e sur une maison de 400 000 $, soit 0,9 %. Ajoutez les impr\u00e9vus et r\u00e9parations mineures, et 1,5 % devient r\u00e9aliste, 3 % prudent pour les maisons plus vieilles.<\/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;\">L&#8217;immobilier qu\u00e9b\u00e9cois monte de 10 %\/an, pourquoi pas mettre \u00e7a ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Les hausses de 2020-2022 \u00e9taient des <strong>anomalies pand\u00e9miques<\/strong> (taux bas, demande refoul\u00e9e, t\u00e9l\u00e9travail). Sur 20 ans (2005-2025), l&#8217;appr\u00e9ciation r\u00e9elle (ajust\u00e9e pour l&#8217;inflation) au Qu\u00e9bec est de 2,5 \u00e0 4 %. Statistique Canada et la SCHL confirment ce chiffre. Utiliser 8-10 % revient \u00e0 garantir que le calculateur favorise l&#8217;achat \u2014 ce n&#8217;est pas r\u00e9aliste. Restez \u00e0 3 %.<\/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;\">L&#8217;assurance habitation est-elle vraiment obligatoire pour un propri\u00e9taire ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Pas l\u00e9galement \u2014 mais <strong>toutes les institutions financi\u00e8res<\/strong> l&#8217;exigent comme condition de l&#8217;hypoth\u00e8que. Sans elle, votre pr\u00eateur peut refuser de d\u00e9bloquer les fonds. M\u00eame pay\u00e9e cash, une maison non assur\u00e9e laisse votre patrimoine expos\u00e9 \u00e0 un sinistre majeur (incendie, d\u00e9g\u00e2t d&#8217;eau, vandalisme). Prime moyenne au Qu\u00e9bec : 900 \u00e0 1 500 $\/an pour une maison de 400 000 $. Comparez en 3 minutes avec <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\">Assur360<\/a>.<\/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;\">Puis-je utiliser ce calculateur pour un duplex ou triplex ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Partiellement. Un plex change la donne : les loyers per\u00e7us compensent tout ou partie des charges, et le rendement fiscal (frais d\u00e9ductibles) est diff\u00e9rent. Pour un plex, utilisez des outils d\u00e9di\u00e9s comme les calculateurs d&#8217;investissement immobilier et consultez un comptable. Notre calculateur s&#8217;adresse principalement \u00e0 l&#8217;<strong>occupation comme r\u00e9sidence principale<\/strong>.<\/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 taux hypoth\u00e9caire utiliser \u2014 le taux de mon offre ou un taux m\u00e9dian ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Si vous \u00eates en processus d&#8217;achat, utilisez le taux que vous a confirm\u00e9 votre courtier hypoth\u00e9caire. Si vous faites une simulation g\u00e9n\u00e9rale, prenez le taux fixe 5 ans m\u00e9dian de la Banque du Canada (publi\u00e9 chaque semaine). Sachez qu&#8217;\u00e0 chaque <strong>renouvellement<\/strong> (tous les 3-5 ans), le taux peut monter ou baisser \u2014 essayez ce calculateur avec plusieurs taux pour tester la sensibilit\u00e9 de votre d\u00e9cision.<\/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;\">Dois-je mettre 20 % de mise de fonds ou moins, selon le calculateur ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Cela d\u00e9pend. <strong>Avantages de 20 %<\/strong> : pas d&#8217;assurance SCHL (\u00e9conomie de 10 000 \u00e0 15 000 $ sur un 400 000 $), paiements mensuels plus bas, coussin psychologique. <strong>Avantages de 5-10 %<\/strong> : gardez du cash pour placements (CELI), effet de levier maximal, possibilit\u00e9 d&#8217;entrer sur le march\u00e9 plus t\u00f4t. La r\u00e8gle : si vos placements rapportent plus que le taux hypoth\u00e9caire + 4 % (co\u00fbt SCHL amorti), une mise faible est math\u00e9matiquement gagnante. Consultez un planificateur financier pour votre cas.<\/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;\">Ce calculateur remplace-t-il un conseiller financier ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Non. Il donne une premi\u00e8re lecture objective pour vous positionner, mais votre d\u00e9cision finale doit int\u00e9grer votre <strong>profil d&#8217;investisseur<\/strong>, votre <strong>s\u00e9curit\u00e9 d&#8217;emploi<\/strong>, vos <strong>objectifs familiaux<\/strong>, votre <strong>tol\u00e9rance au risque<\/strong> et votre <strong>fiscalit\u00e9 personnelle<\/strong>. Consultez un planificateur financier certifi\u00e9 (IQPF) et un courtier hypoth\u00e9caire avant de signer une offre d&#8217;achat. Assur360 vous accompagne pour le volet assurance \u2014 pas pour les conseils financiers.<\/div>\n  <\/details>\n<\/div>\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>Insurance Chamber<\/strong> Member 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;\"><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>13 partner firms<\/strong> in Quebec<\/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;\">Independent \u2014 <strong>30+ 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;\">Sources: <strong>CMHC, Bank of Canada, StatCan<\/strong><\/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 passer \u00e0 l&#8217;action ?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Propri\u00e9taire ou locataire, Assur360 trouve votre meilleure prime en 3 minutes. 30+ assureurs compar\u00e9s, service bilingue, 7 jours sur 7.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" 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 en 3 minutes<\/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;\">Appeler un courtier<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/assur360.ca\", \"logo\": \"https:\/\/assur360.ca\/wp-content\/uploads\/2024\/01\/logo-assur360.png\", \"telephone\": \"+1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": \"Qu\u00e9bec\", \"serviceType\": [\"Assurance habitation\", \"Assurance locataire\", \"Courtier en assurance\"]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Acheter une maison est-il toujours un bon investissement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Acheter devient rentable quand 3 conditions sont r\u00e9unies : horizon de 7 ans ou plus, mise de fonds de 20 % et un ratio prix\/loyer raisonnable. Sur un horizon court ou dans un march\u00e9 cher, louer + investir peut battre l'achat.\"}}, {\"@type\": \"Question\", \"name\": \"Qu'est-ce que la r\u00e8gle du 5 % ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Un propri\u00e9taire paie environ 5 % de la valeur de sa maison par ann\u00e9e en co\u00fbts non r\u00e9cup\u00e9rables (int\u00e9r\u00eats, taxes, entretien, co\u00fbt d'opportunit\u00e9). Si le loyer \u00e9quivalent annuel est inf\u00e9rieur \u00e0 5 % du prix, louer est plus avantageux.\"}}, {\"@type\": \"Question\", \"name\": \"Faut-il inclure l'imp\u00f4t dans la comparaison ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La vente de la r\u00e9sidence principale est exempte d'imp\u00f4t au Canada. Si vous investissez dans un CELI, les gains sont aussi libres d'imp\u00f4t \u2014 comparaison \u00e9quitable. En compte non enregistr\u00e9, utilisez un rendement apr\u00e8s imp\u00f4t (ex. 4,5 % au lieu de 6 %).\"}}, {\"@type\": \"Question\", \"name\": \"Pourquoi 3 % d'entretien si ma maison n'a rien co\u00fbt\u00e9 en 5 ans ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'entretien arrive par vagues : toit, fen\u00eatres, chauffage, cuisine. Liss\u00e9 sur 30 ans, 1 \u00e0 3 % par ann\u00e9e est la norme reconnue des planificateurs financiers canadiens.\"}}, {\"@type\": \"Question\", \"name\": \"Pourquoi pas 10 % d'appr\u00e9ciation immobili\u00e8re ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les hausses de 2020-2022 \u00e9taient des anomalies pand\u00e9miques. Sur 20 ans au Qu\u00e9bec, l'appr\u00e9ciation r\u00e9elle est de 2,5 \u00e0 4 %. Utiliser 10 % revient \u00e0 biaiser le calculateur en faveur de l'achat.\"}}, {\"@type\": \"Question\", \"name\": \"L'assurance habitation est-elle obligatoire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pas l\u00e9galement, mais toutes les institutions financi\u00e8res l'exigent pour d\u00e9bloquer l'hypoth\u00e8que. Prime moyenne au Qu\u00e9bec : 900 \u00e0 1 500 $\/an pour une maison de 400 000 $.\"}}, {\"@type\": \"Question\", \"name\": \"Ce calculateur fonctionne-t-il pour un duplex ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Un plex g\u00e9n\u00e8re des loyers et a une fiscalit\u00e9 diff\u00e9rente (frais d\u00e9ductibles). Utilisez un calculateur d'investissement immobilier d\u00e9di\u00e9 et consultez un comptable.\"}}, {\"@type\": \"Question\", \"name\": \"Quel taux hypoth\u00e9caire utiliser ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Utilisez le taux confirm\u00e9 par votre courtier hypoth\u00e9caire si vous avez une offre, sinon le taux fixe 5 ans m\u00e9dian de la Banque du Canada. Testez plusieurs taux pour voir la sensibilit\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Mise de fonds 20 % ou moins ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"20 % \u00e9vite la SCHL et baisse les paiements. 5-10 % garde du cash pour investir et maximise l'effet de levier. R\u00e8gle : si vos placements rapportent plus que le taux hypoth\u00e9caire + 4 %, mise faible est math\u00e9matiquement gagnante.\"}}, {\"@type\": \"Question\", \"name\": \"Ce calculateur remplace-t-il un conseiller financier ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Il donne une lecture objective mais votre d\u00e9cision doit int\u00e9grer profil d'investisseur, s\u00e9curit\u00e9 d'emploi, objectifs familiaux et fiscalit\u00e9. Consultez un planificateur financier certifi\u00e9 (IQPF) avant de signer.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Outils\", \"item\": \"https:\/\/assur360.ca\/outils\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Calculateur propri\u00e9taire ou locataire\", \"item\": \"https:\/\/assur360.ca\/calculateur-proprietaire-ou-locataire\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Free calculator based on the method of Fran\u00e7ois Lambert and the CMHC. Enter 10 variables (price, bid, rate, rent, return) and get your numerical verdict in 30 seconds. <\/p>\n","protected":false},"author":49,"featured_media":59145,"parent":58627,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Landlord or Tenant Calculator 2026 \u2014 Rent vs. Mortgage","_seopress_titles_desc":"Buying or renting in Quebec? Free calculator: enter 10 variables, get your numerical verdict in 30 seconds. CMHC method.  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