{
    "id": 41005,
    "date": "2026-02-04T21:28:52",
    "date_gmt": "2026-02-05T01:28:52",
    "guid": {
        "rendered": "https:\/\/enna1.com\/?page_id=41005"
    },
    "modified": "2026-07-27T18:46:58",
    "modified_gmt": "2026-07-27T22:46:58",
    "slug": "enna-calculatrice-hypothecaire",
    "status": "publish",
    "type": "page",
    "link": "https:\/\/enna1.com\/en\/enna-calculatrice-hypothecaire\/",
    "title": {
        "rendered": "Mortgage Calculator"
    },
    "content": {
        "rendered": "<div data-elementor-type=\"wp-page\" data-elementor-id=\"41005\" class=\"elementor elementor-41005\">\n\t\t\t\t<div class=\"elementor-element elementor-element-335ae363 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"335ae363\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62f35ced elementor-widget elementor-widget-heading\" data-id=\"62f35ced\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage Calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc6eb3c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"dc6eb3c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cfe5629 elementor-widget elementor-widget-html\" data-id=\"cfe5629\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>:root { --enna-green-dark: #1a3d2b; --enna-green-mid: #2f6f4e; --enna-green-hover: #245a3e; --enna-green-light: #e8f2ec; --enna-text: #1a1a1a; --enna-text-mid: #2A2A2A; --enna-text-muted: #666666; --enna-border: rgba(47,111,78,0.15); --enna-white: #ffffff; } .enna-intro { max-width: 820px; margin: 0 auto 40px; } .enna-intro p { font-size: 1.05rem; line-height: 1.85; margin-bottom: 1em; color: var(--enna-text); } .enna-intro p strong { color: var(--enna-green-dark); } .enna-badges { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin: 24px 0 28px; } .enna-badge { background: var(--enna-green-light); border: 1px solid var(--enna-green-mid); border-radius: 20px; padding: 6px 18px; font-size: 0.85rem; font-weight: 500; color: var(--enna-green-dark); white-space: nowrap; } .enna-includes-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin: 0 0 8px; } .enna-includes-item { background: var(--enna-white); border-left: 3px solid var(--enna-green-mid); padding: 12px 16px; border-radius: 0 4px 4px 0; font-size: 0.9rem; font-weight: 500; display: flex; align-items: center; gap: 10px; box-shadow: 0 1px 4px rgba(0,0,0,0.06); color: var(--enna-text-mid); flex: 0 1 calc(33.33% - 10px); min-width: 200px; } @media (max-width: 700px) { .enna-includes-item { flex: 1 1 100%; } } .enna-buyer-banner { background: var(--enna-green-dark); border-radius: 4px; padding: 32px 40px; margin: 40px 0 0; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; } .enna-buyer-banner-text { flex: 1; min-width: 220px; } .enna-buyer-banner-eyebrow { font-size: 0.72rem; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,0.6); font-weight: 600; margin-bottom: 8px; font-family: Inter, sans-serif; } .enna-buyer-banner-title { font-size: 1.25rem; font-weight: 700; color: var(--enna-white); margin-bottom: 8px; line-height: 1.3; font-family: Inter, sans-serif; } .enna-buyer-banner-sub { font-size: 0.9rem; color: rgba(255,255,255,0.75); line-height: 1.6; font-family: Inter, sans-serif; margin: 0; } .enna-buyer-banner-btn { display: inline-block; padding: 13px 28px; border-radius: 2px; background: var(--enna-white); color: var(--enna-green-dark) !important; font-size: 0.85rem; font-weight: 700; font-family: Inter, sans-serif; letter-spacing: 0.5px; text-transform: uppercase; text-decoration: none; white-space: nowrap; transition: all 0.3s ease; flex-shrink: 0; } .enna-buyer-banner-btn:hover { background: var(--enna-green-light); color: var(--enna-green-dark) !important; transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0,0,0,0.2); text-decoration: none; } @media (max-width: 600px) { .enna-buyer-banner { padding: 24px 20px; } .enna-buyer-banner-btn { width: 100%; text-align: center; } } .enna-calc-wrapper { margin: 48px 0 0; } .enna-calc-label { text-align: center; font-size: 0.72rem; letter-spacing: 2px; text-transform: uppercase; color: var(--enna-green-dark); font-weight: 600; margin-bottom: 8px; } .enna-calc-note { text-align: center; font-size: 0.9rem; color: var(--enna-text-muted); margin-bottom: 32px; max-width: 600px; margin-left: auto; margin-right: auto; } .enna-scenarios { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 24px; } @media (max-width: 700px) { .enna-scenarios { grid-template-columns: 1fr; } } .enna-scenario-card { background: var(--enna-white); border-radius: 4px; box-shadow: 0 2px 12px rgba(0,0,0,0.08); overflow: hidden; border: 1px solid var(--enna-border); } .enna-scenario-header { padding: 16px 22px; font-size: 1.05rem; font-weight: 700; color: var(--enna-white); display: flex; align-items: center; gap: 12px; } .enna-scenario-header.a { background: var(--enna-green-dark); } .enna-scenario-header.b { background: #1a1a1a; } .enna-scenario-badge { width: 28px; height: 28px; border-radius: 50%; background: rgba(255,255,255,0.2); display: flex; align-items: center; justify-content: center; font-size: 0.85rem; font-weight: 700; flex-shrink: 0; } .enna-scenario-body { padding: 22px; } .enna-field-group { margin-bottom: 16px; } .enna-field-label { display: block; font-size: 0.72rem; font-weight: 600; letter-spacing: 0.5px; text-transform: uppercase; color: var(--enna-text-muted); margin-bottom: 6px; } .enna-field-input { width: 100%; padding: 11px 13px; border: 1px solid rgba(47,111,78,0.25); border-radius: 3px; font-size: 1rem; font-family: Inter, sans-serif; transition: border-color .2s, box-shadow .2s; background: #fafafa; color: var(--enna-text); box-sizing: border-box; min-height: 44px; line-height: 1.4; appearance: auto; -webkit-appearance: auto; } .enna-field-input:focus { outline: none; border-color: var(--enna-green-mid); background: var(--enna-white); box-shadow: 0 0 0 3px rgba(47,111,78,0.1); } select.enna-field-input { cursor: pointer; padding-right: 32px; min-height: 44px; } .enna-amort-chips { display: grid; grid-template-columns: repeat(6, 1fr); gap: 6px; margin-bottom: 4px; } .enna-chip { text-align: center; padding: 9px 2px; border-radius: 3px; border: 1px solid rgba(47,111,78,0.25); background: #fafafa; font-family: Inter, sans-serif; font-weight: 700; font-size: 0.85rem; color: var(--enna-text-mid); cursor: pointer; user-select: none; transition: all .15s ease; } .enna-chip:hover { border-color: var(--enna-green-mid); color: var(--enna-green-dark); } .enna-chip.active { background: var(--enna-green-mid); border-color: var(--enna-green-mid); color: var(--enna-white); box-shadow: 0 2px 8px rgba(47,111,78,0.25); } .enna-chip .yr { display: block; font-size: 0.6rem; font-weight: 500; opacity: .8; text-transform: uppercase; letter-spacing: .03em; } .enna-amort-hint { font-size: 0.78rem; color: var(--enna-text-muted); margin: 6px 0 0; line-height: 1.5; } .enna-cmhc-warning { font-size: 0.8rem; color: #e07b00; background: #fff8ee; border: 1px solid #ffe0a0; border-radius: 3px; padding: 6px 10px; margin-top: 6px; display: none; } .enna-calc-btn { width: 100%; padding: 13px; border: none; border-radius: 2px; font-size: 0.85rem; font-weight: 700; font-family: Inter, sans-serif; letter-spacing: 0.5px; text-transform: uppercase; cursor: pointer; transition: all 0.3s ease; margin-top: 8px; min-height: 46px; } .enna-calc-btn.a { background: var(--enna-green-mid); color: var(--enna-white); } .enna-calc-btn.a:hover { background: var(--enna-green-dark); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(26,61,43,0.25); } .enna-calc-btn.b { background: #1a1a1a; color: var(--enna-white); } .enna-calc-btn.b:hover { background: #333; transform: translateY(-2px); } .enna-results-panel { margin-top: 20px; background: var(--enna-green-light); border-radius: 4px; padding: 20px; border-left: 4px solid var(--enna-green-mid); display: none; } .enna-results-panel.visible { display: block; } .enna-result-total { font-size: 1.75rem; font-weight: 700; color: var(--enna-green-dark); margin-bottom: 3px; line-height: 1.1; } .enna-result-total-label { font-size: 0.72rem; color: var(--enna-text-muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 14px; } .enna-result-row { display: flex; justify-content: space-between; font-size: 0.875rem; padding: 6px 0; border-bottom: 1px solid rgba(0,0,0,0.07); } .enna-result-row:last-child { border-bottom: none; } .enna-result-row .lbl { color: var(--enna-text-muted); } .enna-result-row .val { font-weight: 600; color: var(--enna-text); } .enna-result-row.enna-subtotal .lbl, .enna-result-row.enna-subtotal .val { font-weight: 700; color: var(--enna-green-dark); font-size: 0.925rem; } .enna-comparison-card { background: var(--enna-white); border-radius: 4px; box-shadow: 0 2px 12px rgba(0,0,0,0.08); overflow: hidden; margin-bottom: 48px; border: 1px solid var(--enna-border); display: none; } .enna-comparison-card.visible { display: block; } .enna-comparison-header { background: var(--enna-green-dark); color: var(--enna-white); padding: 18px 24px; font-size: 1.05rem; font-weight: 700; } .enna-comparison-table { width: 100%; border-collapse: collapse; font-size: 0.875rem; } .enna-comparison-table th { padding: 10px 18px; text-align: left; font-size: 0.72rem; text-transform: uppercase; letter-spacing: 1px; color: var(--enna-text-muted); background: #f7faf8; border-bottom: 2px solid var(--enna-border); font-weight: 600; } .enna-comparison-table th:nth-child(2) { color: var(--enna-green-dark); } .enna-comparison-table th:nth-child(3) { color: #1a1a1a; } .enna-comparison-table td { padding: 10px 18px; border-bottom: 1px solid rgba(47,111,78,0.08); color: var(--enna-text); } .enna-comparison-table tr:last-child td { border-bottom: none; font-weight: 700; color: var(--enna-green-dark); } .enna-comparison-table tr:hover td { background: var(--enna-green-light); } .enna-diff-up { color: #c0392b; font-size: 0.8rem; } .enna-diff-down { color: var(--enna-green-mid); font-size: 0.8rem; } .enna-seller-section { background: var(--enna-green-light); border: 1px solid var(--enna-border); border-left: 4px solid var(--enna-green-mid); border-radius: 4px; padding: 48px 40px; margin: 0 0 48px; } .enna-seller-eyebrow { font-size: 0.72rem; letter-spacing: 2px; text-transform: uppercase; color: var(--enna-green-mid); font-weight: 600; margin-bottom: 10px; } .enna-seller-section h3 { margin-bottom: 16px; } .enna-seller-section p { font-size: 1.05rem; line-height: 1.85; color: var(--enna-text-mid); margin-bottom: 1em; } .enna-seller-section p strong { color: var(--enna-green-dark); } .enna-seller-points { list-style: none; padding: 0; margin: 24px 0 32px; display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; } .enna-seller-points li { padding: 14px 18px 14px 44px; position: relative; background: var(--enna-white); border-radius: 4px; font-size: 0.95rem; line-height: 1.5; color: var(--enna-text-mid); border: 1px solid var(--enna-border); margin-bottom: 0; flex: 0 1 calc(50% - 12px); min-width: 240px; } .enna-seller-points li::before { content: '\u2713'; position: absolute; left: 16px; font-weight: 700; color: var(--enna-green-mid); font-size: 1.1rem; } @media (max-width: 600px) { .enna-seller-points li { flex: 1 1 100%; } } .enna-seller-buttons { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 8px; } .enna-seller-cta-note { font-size: 0.85rem; color: var(--enna-text-muted); margin-top: 12px !important; font-style: italic; } .enna-btn { display: inline-block; padding: 13px 26px; border-radius: 2px; font-size: 0.85rem; font-weight: 700; font-family: Inter, sans-serif; letter-spacing: 0.5px; text-transform: uppercase; text-decoration: none; cursor: pointer; border: none; transition: all 0.3s ease; } .enna-btn-primary { background: var(--enna-green-mid); color: var(--enna-white) !important; } .enna-btn-primary:hover { background: var(--enna-green-dark); color: var(--enna-white) !important; transform: translateY(-2px); box-shadow: 0 6px 20px rgba(26,61,43,0.25); text-decoration: none; } .enna-btn-outline { background: transparent; color: var(--enna-green-mid) !important; border: 2px solid var(--enna-green-mid); } .enna-btn-outline:hover { background: var(--enna-green-mid); color: var(--enna-white) !important; transform: translateY(-2px); text-decoration: none; } .enna-faq-section { max-width: 820px; margin: 0 auto; padding: 0 0 56px; } .enna-faq-intro { font-size: 0.9rem; color: var(--enna-text-muted); margin-bottom: 28px; font-style: normal; } .enna-faq-item { background: var(--enna-white); border-radius: 4px; margin-bottom: 10px; box-shadow: 0 1px 5px rgba(0,0,0,0.06); overflow: hidden; border: 1px solid var(--enna-border); } .enna-faq-question { width: 100%; background: none; border: none; padding: 18px 22px; text-align: left; font-size: 0.95rem; font-weight: 600; font-family: Inter, sans-serif; color: var(--enna-green-dark); cursor: pointer; display: flex; justify-content: space-between; align-items: center; transition: background .2s; box-sizing: border-box; line-height: 1.4; } .enna-faq-question:hover { background: var(--enna-green-light); } .enna-arrow { font-size: 20px; color: var(--enna-green-mid); transition: transform .3s; flex-shrink: 0; margin-left: 12px; } .enna-faq-question.open .enna-arrow { transform: rotate(45deg); } .enna-faq-answer { max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .3s; font-size: 0.95rem; color: var(--enna-text); line-height: 1.8; padding: 0 22px; } .enna-faq-answer.open { max-height: 300px; padding: 0 22px 18px; } .enna-faq-answer a { color: var(--enna-green-mid); } .enna-faq-answer a:hover { color: var(--enna-green-dark); text-decoration: underline; } .enna-memberships { background: #f7faf8; padding: 48px 24px; text-align: center; border-top: 1px solid var(--enna-border); } .enna-memberships-title { font-size: 0.72rem; letter-spacing: 3px; text-transform: uppercase; color: var(--enna-text-muted); font-weight: 600; margin-bottom: 32px; } .enna-memberships-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 0; max-width: 900px; margin: 0 auto; } .enna-membership-item { flex: 0 1 180px; padding: 16px 20px; border-right: 1px solid var(--enna-border); text-align: center; } .enna-membership-item:last-child { border-right: none; } .enna-membership-name { font-size: 0.95rem; font-weight: 700; color: var(--enna-text); margin-bottom: 4px; } .enna-membership-desc { font-size: 0.78rem; color: var(--enna-text-muted); line-height: 1.4; } @media (max-width: 600px) { .enna-membership-item { flex: 0 1 calc(50% - 1px); border-right: none; border-bottom: 1px solid var(--enna-border); } .enna-membership-item:nth-child(odd) { border-right: 1px solid var(--enna-border); } } .enna-site-footer { background: #1a1a1a; color: rgba(255,255,255,0.85); padding: 56px 24px 28px; } .enna-footer-inner { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; align-items: start; } @media (max-width: 900px) { .enna-footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; } } @media (max-width: 560px) { .enna-footer-inner { grid-template-columns: 1fr; gap: 28px; } } .enna-footer-logo { display: inline-block; background: #ffffff; border-radius: 8px; padding: 8px 14px; margin-bottom: 16px; } .enna-footer-logo img { height: 44px; width: auto; display: block; } .enna-footer-tagline { font-size: 0.875rem; color: rgba(255,255,255,0.6); line-height: 1.65; margin-bottom: 8px; font-family: Inter, sans-serif; } .enna-footer-credit { font-size: 0.875rem; color: rgba(255,255,255,0.45); line-height: 1.65; font-style: italic; font-family: Inter, sans-serif; } .enna-footer-col-title { font-size: 0.7rem; letter-spacing: 2px; text-transform: uppercase; color: #2f6f4e; font-weight: 700; margin-bottom: 16px; font-family: Inter, sans-serif; min-height: 1em; } .enna-footer-col ul { list-style: none; padding: 0; margin: 0; } .enna-footer-col ul li { margin-bottom: 9px; font-size: 0; } .enna-footer-col ul li a, .enna-footer-col ul li span { font-size: 0.9rem; color: rgba(255,255,255,0.75); text-decoration: none; transition: color .2s; font-family: Inter, sans-serif; line-height: 1.5; } .enna-footer-col ul li a:hover { color: #2f6f4e; text-decoration: none; } .enna-footer-bottom { max-width: 1100px; margin: 36px auto 0; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.1); } .enna-footer-copy { font-size: 0.8rem; color: rgba(255,255,255,0.3); font-family: Inter, sans-serif; } @media (max-width: 768px) { .enna-seller-section { padding: 32px 24px; } .enna-seller-buttons { flex-direction: column; } .enna-btn { text-align: center; } .enna-amort-chips { grid-template-columns: repeat(3, 1fr); } }<\/style>\r\n\r\n<!-- \u2550\u2550 BUYER INTRO \u2550\u2550 -->\r\n<div class=\"enna-intro\">\r\n    <p><strong>Know Your Numbers Before You Fall in Love With a Property.<\/strong><\/p>\r\n    <p>Buying a home or investment property in Montreal is one of the biggest financial decisions of your life. Our mortgage calculator lets you test real scenarios \u2014 different down payments, rates, amortization periods \u2014 and see your complete monthly cost including taxes, heating, condo fees and CMHC insurance. No estimates. No surprises. Just clarity before you commit.<\/p>\r\n    <div class=\"enna-badges\">\r\n        <span class=\"enna-badge\">\u2713 CMHC Insurance Auto-Calculated<\/span>\r\n        <span class=\"enna-badge\">\u2713 Condo Fees Included<\/span>\r\n        <span class=\"enna-badge\">\u2713 Property Taxes<\/span>\r\n        <span class=\"enna-badge\">\u2713 Heating &amp; Insurance<\/span>\r\n        <span class=\"enna-badge\">\u2713 Compare Two Scenarios Side by Side<\/span>\r\n    <\/div>\r\n    <div class=\"enna-includes-grid\">\r\n        <div class=\"enna-includes-item\">\ud83d\udcb3 Principal &amp; interest payments<\/div>\r\n        <div class=\"enna-includes-item\">\ud83d\udee1\ufe0f CMHC insurance (auto-calculated)<\/div>\r\n        <div class=\"enna-includes-item\">\ud83c\udfdb\ufe0f Annual property taxes<\/div>\r\n        <div class=\"enna-includes-item\">\ud83c\udfe2 Monthly condo fees<\/div>\r\n        <div class=\"enna-includes-item\">\ud83d\udd25 Heating costs<\/div>\r\n        <div class=\"enna-includes-item\">\ud83c\udfe0 Home insurance<\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<!-- \u2550\u2550 BUYER CTA BANNER \u2014 best spot: after intro, before calculator \u2550\u2550 -->\r\n<div class=\"enna-buyer-banner\">\r\n    <div class=\"enna-buyer-banner-text\">\r\n        <div class=\"enna-buyer-banner-eyebrow\">Ready to find your next property?<\/div>\r\n        <div class=\"enna-buyer-banner-title\">Let ENNA guide you \u2014 from your first calculation to the keys in your hand.<\/div>\r\n        <p class=\"enna-buyer-banner-sub\">Our brokers have guided buyers across Greater Montreal since 1977. Once you know your budget, we find the right property.<\/p>\r\n    <\/div>\r\n    <a href=\"https:\/\/enna1.com\/en\/formulaire-acheter\" class=\"enna-buyer-banner-btn\">Work With Us \u2192<\/a>\r\n<\/div>\r\n\r\n<!-- \u2550\u2550 CALCULATOR \u2550\u2550 -->\r\n<div class=\"enna-calc-wrapper\">\r\n    <p class=\"enna-calc-label\">Your Mortgage Calculator<\/p>\r\n    <p class=\"enna-calc-note\">Fill in one or both scenarios, then click Calculate to see your full monthly breakdown and comparison.<\/p>\r\n    <div class=\"enna-scenarios\">\r\n\r\n        <!-- SCENARIO A -->\r\n        <div class=\"enna-scenario-card\">\r\n            <div class=\"enna-scenario-header a\"><div class=\"enna-scenario-badge\">A<\/div>Scenario A<\/div>\r\n            <div class=\"enna-scenario-body\">\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Purchase Price ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"a-price\" placeholder=\"e.g. 419000\" min=\"0\"><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Down Payment ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"a-down\" placeholder=\"e.g. 83800\" min=\"0\"><div class=\"enna-cmhc-warning\" id=\"a-cmhc-warn\">\u26a0 Down payment &lt; 20% \u2014 CMHC insurance will be added.<\/div><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Interest Rate (%)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"a-rate\" placeholder=\"e.g. 4.79\" step=\"0.01\" min=\"0\"><\/div>\r\n\r\n                <div class=\"enna-field-group\">\r\n                    <label class=\"enna-field-label\">Amortization Period<\/label>\r\n                    <div class=\"enna-amort-chips\" data-scenario=\"a\">\r\n                        <div class=\"enna-chip\" data-y=\"5\">5<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip\" data-y=\"10\">10<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip\" data-y=\"15\">15<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip\" data-y=\"20\">20<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip active\" data-y=\"25\">25<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip\" data-y=\"30\">30<span class=\"yr\">yrs<\/span><\/div>\r\n                    <\/div>\r\n                    <select class=\"enna-field-input\" id=\"a-amort\" style=\"display:none;\" aria-hidden=\"true\">\r\n                        <option value=\"5\">5 years<\/option><option value=\"10\">10 years<\/option>\r\n                        <option value=\"15\">15 years<\/option><option value=\"20\">20 years<\/option>\r\n                        <option value=\"25\" selected>25 years<\/option><option value=\"30\">30 years<\/option>\r\n                    <\/select>\r\n                    <p class=\"enna-amort-hint\">Longer amortization lowers the monthly payment but increases total interest \u2014 try a few once you've calculated.<\/p>\r\n                <\/div>\r\n\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Annual Property Tax ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"a-tax\" placeholder=\"e.g. 2559\" min=\"0\"><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Monthly Heating ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"a-heat\" placeholder=\"e.g. 80\" min=\"0\"><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Monthly Condo Fees ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"a-condo\" placeholder=\"e.g. 280\" min=\"0\"><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Monthly Home Insurance ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"a-ins\" placeholder=\"e.g. 50\" min=\"0\"><\/div>\r\n                <button class=\"enna-calc-btn a\" onclick=\"ennaCalculate('a')\">Calculate Scenario A \u2192<\/button>\r\n                <div class=\"enna-results-panel\" id=\"a-results\">\r\n                    <div class=\"enna-result-total\" id=\"a-total\">\u2014<\/div>\r\n                    <div class=\"enna-result-total-label\">Total Monthly Payment<\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Mortgage (P&amp;I)<\/span><span class=\"val\" id=\"a-pi\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Property Tax<\/span><span class=\"val\" id=\"a-tax-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Heating<\/span><span class=\"val\" id=\"a-heat-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Condo Fees<\/span><span class=\"val\" id=\"a-condo-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Home Insurance<\/span><span class=\"val\" id=\"a-ins-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">CMHC (amortized\/mo)<\/span><span class=\"val\" id=\"a-cmhc-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\" style=\"margin-top:8px;padding-top:8px;border-top:2px solid rgba(26,61,43,0.15);\"><span class=\"lbl\" style=\"font-weight:700;color:#1a3d2b;\">Mortgage Amount<\/span><span class=\"val\" id=\"a-mortamt\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">CMHC Premium (total)<\/span><span class=\"val\" id=\"a-cmhc-total\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Total Interest Paid<\/span><span class=\"val\" id=\"a-interest\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row enna-subtotal\"><span class=\"lbl\">Total Mortgage Cost<\/span><span class=\"val\" id=\"a-cost\">\u2014<\/span><\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- SCENARIO B -->\r\n        <div class=\"enna-scenario-card\">\r\n            <div class=\"enna-scenario-header b\"><div class=\"enna-scenario-badge\">B<\/div>Scenario B<\/div>\r\n            <div class=\"enna-scenario-body\">\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Purchase Price ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"b-price\" placeholder=\"e.g. 419000\" min=\"0\"><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Down Payment ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"b-down\" placeholder=\"e.g. 20950\" min=\"0\"><div class=\"enna-cmhc-warning\" id=\"b-cmhc-warn\">\u26a0 Down payment &lt; 20% \u2014 CMHC insurance will be added.<\/div><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Interest Rate (%)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"b-rate\" placeholder=\"e.g. 4.19\" step=\"0.01\" min=\"0\"><\/div>\r\n\r\n                <div class=\"enna-field-group\">\r\n                    <label class=\"enna-field-label\">Amortization Period<\/label>\r\n                    <div class=\"enna-amort-chips\" data-scenario=\"b\">\r\n                        <div class=\"enna-chip\" data-y=\"5\">5<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip\" data-y=\"10\">10<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip active\" data-y=\"15\">15<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip\" data-y=\"20\">20<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip\" data-y=\"25\">25<span class=\"yr\">yrs<\/span><\/div>\r\n                        <div class=\"enna-chip\" data-y=\"30\">30<span class=\"yr\">yrs<\/span><\/div>\r\n                    <\/div>\r\n                    <select class=\"enna-field-input\" id=\"b-amort\" style=\"display:none;\" aria-hidden=\"true\">\r\n                        <option value=\"5\">5 years<\/option><option value=\"10\">10 years<\/option>\r\n                        <option value=\"15\" selected>15 years<\/option><option value=\"20\">20 years<\/option>\r\n                        <option value=\"25\">25 years<\/option><option value=\"30\">30 years<\/option>\r\n                    <\/select>\r\n                    <p class=\"enna-amort-hint\">Compare a shorter or longer term against Scenario A to see the real cost difference.<\/p>\r\n                <\/div>\r\n\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Annual Property Tax ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"b-tax\" placeholder=\"e.g. 2559\" min=\"0\"><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Monthly Heating ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"b-heat\" placeholder=\"e.g. 80\" min=\"0\"><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Monthly Condo Fees ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"b-condo\" placeholder=\"e.g. 280\" min=\"0\"><\/div>\r\n                <div class=\"enna-field-group\"><label class=\"enna-field-label\">Monthly Home Insurance ($)<\/label><input type=\"number\" class=\"enna-field-input\" id=\"b-ins\" placeholder=\"e.g. 50\" min=\"0\"><\/div>\r\n                <button class=\"enna-calc-btn b\" onclick=\"ennaCalculate('b')\">Calculate Scenario B \u2192<\/button>\r\n                <div class=\"enna-results-panel\" id=\"b-results\">\r\n                    <div class=\"enna-result-total\" id=\"b-total\">\u2014<\/div>\r\n                    <div class=\"enna-result-total-label\">Total Monthly Payment<\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Mortgage (P&amp;I)<\/span><span class=\"val\" id=\"b-pi\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Property Tax<\/span><span class=\"val\" id=\"b-tax-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Heating<\/span><span class=\"val\" id=\"b-heat-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Condo Fees<\/span><span class=\"val\" id=\"b-condo-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Home Insurance<\/span><span class=\"val\" id=\"b-ins-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">CMHC (amortized\/mo)<\/span><span class=\"val\" id=\"b-cmhc-r\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\" style=\"margin-top:8px;padding-top:8px;border-top:2px solid rgba(26,61,43,0.15);\"><span class=\"lbl\" style=\"font-weight:700;color:#1a3d2b;\">Mortgage Amount<\/span><span class=\"val\" id=\"b-mortamt\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">CMHC Premium (total)<\/span><span class=\"val\" id=\"b-cmhc-total\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row\"><span class=\"lbl\">Total Interest Paid<\/span><span class=\"val\" id=\"b-interest\">\u2014<\/span><\/div>\r\n                    <div class=\"enna-result-row enna-subtotal\"><span class=\"lbl\">Total Mortgage Cost<\/span><span class=\"val\" id=\"b-cost\">\u2014<\/span><\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <!-- COMPARISON TABLE \u2014 static rows for TranslatePress -->\r\n    <div class=\"enna-comparison-card\" id=\"enna-comparison-card\">\r\n        <div class=\"enna-comparison-header\">A vs B \u2014 Comparison Summary<\/div>\r\n        <table class=\"enna-comparison-table\">\r\n            <thead>\r\n                <tr><th>Item<\/th><th>Scenario A<\/th><th>Scenario B<\/th><th>Difference<\/th><\/tr>\r\n            <\/thead>\r\n            <tbody>\r\n                <tr><td>Mortgage (P&amp;I)<\/td><td id=\"ct-a-pi\">\u2014<\/td><td id=\"ct-b-pi\">\u2014<\/td><td id=\"ct-d-pi\">\u2014<\/td><\/tr>\r\n                <tr><td>Property Tax<\/td><td id=\"ct-a-tax\">\u2014<\/td><td id=\"ct-b-tax\">\u2014<\/td><td id=\"ct-d-tax\">\u2014<\/td><\/tr>\r\n                <tr><td>Heating<\/td><td id=\"ct-a-heat\">\u2014<\/td><td id=\"ct-b-heat\">\u2014<\/td><td id=\"ct-d-heat\">\u2014<\/td><\/tr>\r\n                <tr><td>Condo Fees<\/td><td id=\"ct-a-condo\">\u2014<\/td><td id=\"ct-b-condo\">\u2014<\/td><td id=\"ct-d-condo\">\u2014<\/td><\/tr>\r\n                <tr><td>Home Insurance<\/td><td id=\"ct-a-ins\">\u2014<\/td><td id=\"ct-b-ins\">\u2014<\/td><td id=\"ct-d-ins\">\u2014<\/td><\/tr>\r\n                <tr><td>CMHC (amortized\/mo)<\/td><td id=\"ct-a-cmhcmo\">\u2014<\/td><td id=\"ct-b-cmhcmo\">\u2014<\/td><td id=\"ct-d-cmhcmo\">\u2014<\/td><\/tr>\r\n                <tr style=\"font-weight:700;color:#1a3d2b;\"><td>Total \/ month<\/td><td id=\"ct-a-total\">\u2014<\/td><td id=\"ct-b-total\">\u2014<\/td><td id=\"ct-d-total\">\u2014<\/td><\/tr>\r\n                <tr><td>CMHC Premium (total)<\/td><td id=\"ct-a-cmhctot\">\u2014<\/td><td id=\"ct-b-cmhctot\">\u2014<\/td><td id=\"ct-d-cmhctot\">\u2014<\/td><\/tr>\r\n                <tr><td>Total Interest Paid<\/td><td id=\"ct-a-int\">\u2014<\/td><td id=\"ct-b-int\">\u2014<\/td><td id=\"ct-d-int\">\u2014<\/td><\/tr>\r\n                <tr style=\"font-weight:700;color:#1a3d2b;\"><td>Total Mortgage Cost<\/td><td id=\"ct-a-cost\">\u2014<\/td><td id=\"ct-b-cost\">\u2014<\/td><td id=\"ct-d-cost\">\u2014<\/td><\/tr>\r\n            <\/tbody>\r\n        <\/table>\r\n    <\/div>\r\n<\/div>\r\n\r\n<!-- \u2550\u2550 SELLER SECTION \u2550\u2550 -->\r\n<div class=\"enna-seller-section\">\r\n    <p class=\"enna-seller-eyebrow\">Are You Thinking of Selling?<\/p>\r\n    <h3>Let the Numbers Work For You Too.<\/h3>\r\n    <p>Every buyer who uses this calculator is actively looking for a property in Greater Montreal \u2014 financially prepared, comparing options, ready to make a move. When you list with ENNA, your property reaches exactly these motivated buyers.<\/p>\r\n    <p>Since 1977, we have guided sellers of <strong>residential homes, condos, plexes and revenue properties<\/strong> through every type of market. We know what buyers can afford, what they are comparing, and how to position your property to attract serious offers at the right price.<\/p>\r\n    <ul class=\"enna-seller-points\">\r\n        <li>Honest market evaluation \u2014 no inflated numbers to win your listing<\/li>\r\n        <li>Maximum exposure on Centris, Realtor.ca and our private buyer network<\/li>\r\n        <li>Specialized experience in revenue properties and multi-unit buildings<\/li>\r\n        <li>Expert negotiation built on 49 years of Montreal real estate<\/li>\r\n        <li>Multilingual service \u2014 English, French, Italian and some Spanish<\/li>\r\n        <li>Available 7 days a week, from evaluation to closing<\/li>\r\n    <\/ul>\r\n    <p><strong>Ready to find out what your property is worth?<\/strong><\/p>\r\n    <div class=\"enna-seller-buttons\">\r\n        <a href=\"https:\/\/enna1.com\/en\/formulaire-evaluation\" class=\"enna-btn enna-btn-primary\">Get a Free Evaluation \u2192<\/a>\r\n        <a href=\"https:\/\/enna1.com\/en\/contact\/\" class=\"enna-btn enna-btn-outline\">Contact Us Directly<\/a>\r\n    <\/div>\r\n    <p class=\"enna-seller-cta-note\">No commitment required. We will get back to you within 1 business day.<\/p>\r\n<\/div>\r\n\r\n<!-- \u2550\u2550 FAQ \u2550\u2550 -->\r\n<div class=\"enna-faq-section\">\r\n    <h2>Frequently Asked Questions<\/h2>\r\n    <p class=\"enna-faq-intro\">Everything Montreal buyers need to know about mortgages, CMHC, and financing in Quebec.<\/p>\r\n    <div class=\"enna-faq-item\">\r\n        <button class=\"enna-faq-question\" onclick=\"ennaToggleFaq(this)\">What is the minimum down payment required in Canada?<span class=\"enna-arrow\">+<\/span><\/button>\r\n        <div class=\"enna-faq-answer\">In Canada, the minimum down payment is 5% for properties under $500,000. For properties between $500,000 and $999,999, it's 5% on the first $500,000 and 10% on the remainder. Properties over $1,000,000 require at least 20%. Use Scenario A and B to compare what different down payment amounts mean for your monthly payments.<\/div>\r\n    <\/div>\r\n    <div class=\"enna-faq-item\">\r\n        <button class=\"enna-faq-question\" onclick=\"ennaToggleFaq(this)\">When is CMHC mortgage insurance required?<span class=\"enna-arrow\">+<\/span><\/button>\r\n        <div class=\"enna-faq-answer\">CMHC insurance is mandatory when your down payment is less than 20% of the purchase price. The premium ranges from 2.8% to 4% of the mortgage amount depending on your down payment. Our calculator adds this cost automatically and shows you its monthly impact \u2014 no surprises.<\/div>\r\n    <\/div>\r\n    <div class=\"enna-faq-item\">\r\n        <button class=\"enna-faq-question\" onclick=\"ennaToggleFaq(this)\">How do condo fees affect my mortgage qualification in Quebec?<span class=\"enna-arrow\">+<\/span><\/button>\r\n        <div class=\"enna-faq-answer\">In Quebec, lenders include 50% of monthly condo fees when calculating your gross debt service (GDS) ratio. This directly affects how much you can borrow. A condo with $500\/month in fees adds $250 to your monthly obligations in the bank's eyes. Our calculator includes the full condo fee in your total monthly cost estimate.<\/div>\r\n    <\/div>\r\n    <div class=\"enna-faq-item\">\r\n        <button class=\"enna-faq-question\" onclick=\"ennaToggleFaq(this)\">What amortization period should I choose?<span class=\"enna-arrow\">+<\/span><\/button>\r\n        <div class=\"enna-faq-answer\">A longer amortization (25\u201330 years) lowers your monthly payments but significantly increases total interest paid. A shorter period saves money long-term but requires higher monthly payments. Use the amortization chips to switch periods instantly, or compare two scenarios side by side \u2014 the numbers are often surprising.<\/div>\r\n    <\/div>\r\n    <div class=\"enna-faq-item\">\r\n        <button class=\"enna-faq-question\" onclick=\"ennaToggleFaq(this)\">Should I choose a fixed or variable interest rate?<span class=\"enna-arrow\">+<\/span><\/button>\r\n        <div class=\"enna-faq-answer\">Fixed rates offer payment stability and protection against rate increases. Variable rates can be lower initially but fluctuate with the Bank of Canada's key rate. Try entering both rates in Scenario A and Scenario B to compare the monthly and long-term difference before deciding.<\/div>\r\n    <\/div>\r\n    <div class=\"enna-faq-item\">\r\n        <button class=\"enna-faq-question\" onclick=\"ennaToggleFaq(this)\">Can ENNA help me get pre-approved for a mortgage?<span class=\"enna-arrow\">+<\/span><\/button>\r\n        <div class=\"enna-faq-answer\">Yes. Once you've used our calculator to estimate your budget, our brokers can connect you with trusted financing professionals and guide you through the pre-approval process. <a href=\"https:\/\/enna1.com\/en\/preapprobation-de-financement\/\">Visit our financing page<\/a> or <a href=\"https:\/\/enna1.com\/en\/contact\/\">contact us directly<\/a> \u2014 we're available 7 days a week by appointment.<\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<!-- \u2550\u2550 PROFESSIONAL MEMBERSHIPS \u2550\u2550 -->\r\n<div class=\"enna-memberships\">\r\n    <div class=\"enna-memberships-title\">Professional Memberships<\/div>\r\n    <div class=\"enna-memberships-grid\">\r\n        <div class=\"enna-membership-item\"><div class=\"enna-membership-name\">OACIQ<\/div><div class=\"enna-membership-desc\">Quebec Real Estate Regulatory Body<\/div><\/div>\r\n        <div class=\"enna-membership-item\"><div class=\"enna-membership-name\">APCIQ<\/div><div class=\"enna-membership-desc\">Professional Association of Quebec Brokers<\/div><\/div>\r\n        <div class=\"enna-membership-item\"><div class=\"enna-membership-name\">CREA<\/div><div class=\"enna-membership-desc\">Canadian Real Estate Association<\/div><\/div>\r\n        <div class=\"enna-membership-item\"><div class=\"enna-membership-name\">Centris<\/div><div class=\"enna-membership-desc\">Centralized Listing Service<\/div><\/div>\r\n        <div class=\"enna-membership-item\"><div class=\"enna-membership-name\">Realtor.ca<\/div><div class=\"enna-membership-desc\">National MLS Network<\/div><\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<!-- \u2550\u2550 SITE FOOTER \u2550\u2550 -->\r\n<div class=\"enna-site-footer\">\r\n    <div class=\"enna-footer-inner\">\r\n        <div class=\"enna-footer-col\">\r\n            <div class=\"enna-footer-logo\">\r\n                <a href=\"https:\/\/enna1.com\/en\/\">\r\n                    <img decoding=\"async\" src=\"https:\/\/enna1.com\/wp-content\/uploads\/2024\/09\/mini_small-logo-ENNA-siteweb.webp\" alt=\"ENNA Brokers\">\r\n                <\/a>\r\n            <\/div>\r\n            <p class=\"enna-footer-tagline\">Residential \u00b7 Multi-Unit \u00b7 Commercial \u2014 Greater Montreal since 1977.<\/p>\r\n            <p class=\"enna-footer-credit\">Angelo &amp; Palma Marguglio \u2014 serving you and those you care about.<\/p>\r\n        <\/div>\r\n        <div class=\"enna-footer-col\">\r\n            <div class=\"enna-footer-col-title\">Contact<\/div>\r\n            <ul>\r\n                <li><a href=\"https:\/\/maps.google.com\/?q=2494+boul.+Henri-Bourassa+Est,+Montreal,+QC\" target=\"_blank\" rel=\"noopener\">#101 \u2013 2494 boul. Henri-Bourassa Est<\/a><\/li>\r\n                <li><a href=\"https:\/\/maps.google.com\/?q=2494+boul.+Henri-Bourassa+Est,+Montreal,+QC\" target=\"_blank\" rel=\"noopener\">Montr\u00e9al (Ahuntsic), QC H2B 1T9<\/a><\/li>\r\n                <li><a href=\"tel:5143843400\">T. 514-384-3400<\/a><\/li>\r\n                <li><span>Available 7 days a week by appointment<\/span><\/li>\r\n            <\/ul>\r\n        <\/div>\r\n        <div class=\"enna-footer-col\">\r\n            <div class=\"enna-footer-col-title\">&nbsp;<\/div>\r\n            <ul>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/\">Home<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/proprietes-a-vendre\/\">Properties for Sale<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/formulaire-evaluation\">Sell<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/formulaire-acheter\">Buy<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/reprises-vente-sous-controle-de-justice\/\">Foreclosures<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/preapprobation-de-financement\/\">Financing<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/enna-calculatrice-hypothecaire\/\">Mortgage Calculator<\/a><\/li>\r\n            <\/ul>\r\n        <\/div>\r\n        <div class=\"enna-footer-col\">\r\n            <div class=\"enna-footer-col-title\">&nbsp;<\/div>\r\n            <ul>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/a-propos-de-nous\/\">About Us<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/temoignages\/\">Testimonials<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/contact\/\">Contact<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/fr\/enna-calculatrice-hypothecaire\/\">Fran\u00e7ais<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/declaration-d-accessibilite\/\">Accessibility Statement<\/a><\/li>\r\n                <li><a href=\"https:\/\/enna1.com\/en\/politique-de-confidentialite\/\">Privacy Policy<\/a><\/li>\r\n            <\/ul>\r\n        <\/div>\r\n    <\/div>\r\n    <div class=\"enna-footer-bottom\">\r\n        <div class=\"enna-footer-copy\">Les Courtiers ENNA lt\u00e9e \/ ENNA Brokers Ltd. \u00a9 2026 \u2014 All rights reserved.<\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<script>\r\n(function() {\r\n    function getCmhcRate(p) {\r\n        if (p >= 20) return 0;\r\n        if (p >= 15) return 0.028;\r\n        if (p >= 10) return 0.031;\r\n        return 0.040;\r\n    }\r\n    function monthlyRateFromAnnual(annualRatePct) {\r\n        var i = annualRatePct \/ 100;\r\n        return Math.pow(1 + i \/ 2, 2 \/ 12) - 1;\r\n    }\r\n    function fmt(n) { return '$' + Math.round(n).toLocaleString('en-CA'); }\r\n    function monthlyPI(principal, annualRate, years) {\r\n        var r = monthlyRateFromAnnual(annualRate), n = years * 12;\r\n        if (r === 0) return principal \/ n;\r\n        return principal * (r * Math.pow(1+r,n)) \/ (Math.pow(1+r,n)-1);\r\n    }\r\n    var computed = { a: null, b: null };\r\n    window.ennaCalculate = function(s) {\r\n        var price = parseFloat(document.getElementById(s+'-price').value)||0;\r\n        var down  = parseFloat(document.getElementById(s+'-down').value)||0;\r\n        var rate  = parseFloat(document.getElementById(s+'-rate').value)||0;\r\n        var amort = parseInt(document.getElementById(s+'-amort').value)||25;\r\n        var tax   = parseFloat(document.getElementById(s+'-tax').value)||0;\r\n        var heat  = parseFloat(document.getElementById(s+'-heat').value)||0;\r\n        var condo = parseFloat(document.getElementById(s+'-condo').value)||0;\r\n        var ins   = parseFloat(document.getElementById(s+'-ins').value)||0;\r\n        if (!price||!rate) { alert('Please enter at least a Purchase Price and Interest Rate.'); return; }\r\n        var downPct=down\/price*100, cmhcRate=getCmhcRate(downPct);\r\n        if (cmhcRate > 0 && amort > 25) { cmhcRate += 0.002; }\r\n        var baseMort=price-down, cmhcTotal=baseMort*cmhcRate, mortgage=baseMort+cmhcTotal;\r\n        var pi=monthlyPI(mortgage,rate,amort);\r\n        var cmhcMo=cmhcRate>0?monthlyPI(cmhcTotal,rate,amort):0;\r\n        var taxMo=tax\/12, totalMo=pi+taxMo+heat+condo+ins;\r\n        var totalInt=(pi*amort*12)-mortgage, totalCost=mortgage+totalInt;\r\n        document.getElementById(s+'-cmhc-warn').style.display=(downPct<20&&down>0)?'block':'none';\r\n        document.getElementById(s+'-total').textContent=fmt(totalMo)+' \/mo';\r\n        document.getElementById(s+'-pi').textContent=fmt(pi);\r\n        document.getElementById(s+'-tax-r').textContent=fmt(taxMo);\r\n        document.getElementById(s+'-heat-r').textContent=fmt(heat);\r\n        document.getElementById(s+'-condo-r').textContent=fmt(condo);\r\n        document.getElementById(s+'-ins-r').textContent=fmt(ins);\r\n        document.getElementById(s+'-cmhc-r').textContent=cmhcRate>0?fmt(cmhcMo):'\u2014';\r\n        document.getElementById(s+'-mortamt').textContent=fmt(mortgage);\r\n        document.getElementById(s+'-cmhc-total').textContent=cmhcRate>0?fmt(cmhcTotal):'\u2014';\r\n        document.getElementById(s+'-interest').textContent=fmt(totalInt);\r\n        document.getElementById(s+'-cost').textContent=fmt(totalCost);\r\n        document.getElementById(s+'-results').classList.add('visible');\r\n        computed[s]={pi:pi,taxMo:taxMo,heat:heat,condo:condo,ins:ins,cmhcMo:cmhcMo,\r\n                     totalMo:totalMo,cmhcTotal:cmhcTotal,totalInt:totalInt,totalCost:totalCost};\r\n        ennaUpdateComparison();\r\n    };\r\n    function ennaDiff(av,bv) {\r\n        var diff=bv-av;\r\n        if(diff===0) return '\u2014';\r\n        return '<span class=\"'+(diff>0?'enna-diff-up':'enna-diff-down')+'\">'+(diff>0?'+':'')+fmt(diff)+'<\/span>';\r\n    }\r\n    function ennaUpdateComparison() {\r\n        if(!computed.a||!computed.b) return;\r\n        var a=computed.a, b=computed.b;\r\n        document.getElementById('ct-a-pi').textContent=fmt(a.pi);       document.getElementById('ct-b-pi').textContent=fmt(b.pi);       document.getElementById('ct-d-pi').innerHTML=ennaDiff(a.pi,b.pi);\r\n        document.getElementById('ct-a-tax').textContent=fmt(a.taxMo);   document.getElementById('ct-b-tax').textContent=fmt(b.taxMo);   document.getElementById('ct-d-tax').innerHTML=ennaDiff(a.taxMo,b.taxMo);\r\n        document.getElementById('ct-a-heat').textContent=fmt(a.heat);   document.getElementById('ct-b-heat').textContent=fmt(b.heat);   document.getElementById('ct-d-heat').innerHTML=ennaDiff(a.heat,b.heat);\r\n        document.getElementById('ct-a-condo').textContent=fmt(a.condo); document.getElementById('ct-b-condo').textContent=fmt(b.condo); document.getElementById('ct-d-condo').innerHTML=ennaDiff(a.condo,b.condo);\r\n        document.getElementById('ct-a-ins').textContent=fmt(a.ins);     document.getElementById('ct-b-ins').textContent=fmt(b.ins);     document.getElementById('ct-d-ins').innerHTML=ennaDiff(a.ins,b.ins);\r\n        document.getElementById('ct-a-cmhcmo').textContent=fmt(a.cmhcMo); document.getElementById('ct-b-cmhcmo').textContent=fmt(b.cmhcMo); document.getElementById('ct-d-cmhcmo').innerHTML=ennaDiff(a.cmhcMo,b.cmhcMo);\r\n        document.getElementById('ct-a-total').textContent=fmt(a.totalMo);  document.getElementById('ct-b-total').textContent=fmt(b.totalMo);  document.getElementById('ct-d-total').innerHTML=ennaDiff(a.totalMo,b.totalMo);\r\n        document.getElementById('ct-a-cmhctot').textContent=fmt(a.cmhcTotal); document.getElementById('ct-b-cmhctot').textContent=fmt(b.cmhcTotal); document.getElementById('ct-d-cmhctot').innerHTML=ennaDiff(a.cmhcTotal,b.cmhcTotal);\r\n        document.getElementById('ct-a-int').textContent=fmt(a.totalInt); document.getElementById('ct-b-int').textContent=fmt(b.totalInt); document.getElementById('ct-d-int').innerHTML=ennaDiff(a.totalInt,b.totalInt);\r\n        document.getElementById('ct-a-cost').textContent=fmt(a.totalCost); document.getElementById('ct-b-cost').textContent=fmt(b.totalCost); document.getElementById('ct-d-cost').innerHTML=ennaDiff(a.totalCost,b.totalCost);\r\n        var card=document.getElementById('enna-comparison-card');\r\n        card.classList.add('visible');\r\n        card.scrollIntoView({behavior:'smooth',block:'nearest'});\r\n    }\r\n    window.ennaToggleFaq=function(btn){\r\n        var answer=btn.nextElementSibling, isOpen=answer.classList.contains('open');\r\n        document.querySelectorAll('.enna-faq-answer').forEach(function(a){a.classList.remove('open');});\r\n        document.querySelectorAll('.enna-faq-question').forEach(function(b){b.classList.remove('open');});\r\n        if(!isOpen){answer.classList.add('open');btn.classList.add('open');}\r\n    };\r\n    \/\/ Deferred: these bindings aren't needed for first paint, so we let the\r\n    \/\/ browser render the widget first, then attach listeners. This is what\r\n    \/\/ actually reduces the lag Elementor's editor feels on every re-render \u2014\r\n    \/\/ it doesn't change what the calculator does, only when the click\/input\r\n    \/\/ handlers get wired up (a few milliseconds after paint instead of before it).\r\n    var ennaBindEvents = function () {\r\n        document.querySelectorAll('.enna-amort-chips').forEach(function(group){\r\n            var s = group.getAttribute('data-scenario');\r\n            var hiddenSelect = document.getElementById(s+'-amort');\r\n            group.querySelectorAll('.enna-chip').forEach(function(chip){\r\n                chip.addEventListener('click', function(){\r\n                    group.querySelectorAll('.enna-chip').forEach(function(c){ c.classList.remove('active'); });\r\n                    chip.classList.add('active');\r\n                    hiddenSelect.value = chip.getAttribute('data-y');\r\n                    if (document.getElementById(s+'-results').classList.contains('visible')) {\r\n                        ennaCalculate(s);\r\n                    }\r\n                });\r\n            });\r\n        });\r\n        ['a','b'].forEach(function(s){\r\n            ['price','down'].forEach(function(f){\r\n                var el=document.getElementById(s+'-'+f);\r\n                if(el) el.addEventListener('input',function(){\r\n                    var price=parseFloat(document.getElementById(s+'-price').value)||0;\r\n                    var down=parseFloat(document.getElementById(s+'-down').value)||0;\r\n                    document.getElementById(s+'-cmhc-warn').style.display=(price>0&&down>0&&down\/price<0.20)?'block':'none';\r\n                });\r\n            });\r\n        });\r\n    };\r\n    if (window.requestIdleCallback) {\r\n        requestIdleCallback(ennaBindEvents, { timeout: 300 });\r\n    } else {\r\n        setTimeout(ennaBindEvents, 0);\r\n    }\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>",
        "protected": false
    },
    "excerpt": {
        "rendered": "<p>Mortgage Calculator Know Your Numbers Before You Fall in Love With a Property. Buying a home or investment property in Montreal is one of the biggest financial decisions of your life. Our mortgage calculator lets you test real scenarios \u2014 different down payments, rates, amortization periods \u2014 and see your complete monthly cost including taxes, heating, condo fees and CMHC insurance. No estimates. No surprises. Just clarity before you commit. \u2713 CMHC Insurance Auto-Calculated \u2713 Condo Fees Included \u2713 Property Taxes \u2713 Heating &amp; Insurance \u2713 Compare Two Scenarios Side by Side \ud83d\udcb3 Principal &amp; interest payments \ud83d\udee1\ufe0f CMHC insurance (auto-calculated) \ud83c\udfdb\ufe0f Annual property taxes \ud83c\udfe2 Monthly condo fees \ud83d\udd25 Heating costs \ud83c\udfe0 Home insurance Ready to find your next property? Let ENNA guide you \u2014 from your first calculation to the keys in your hand. Our brokers have guided buyers across Greater Montreal since 1977. Once you know your budget, we find the right property. Work With Us \u2192 Your Mortgage Calculator Fill in one or both scenarios, then click Calculate to see your full monthly breakdown and comparison. AScenario A Purchase Price ($) Down Payment ($)\u26a0 Down payment &lt; 20% \u2014 CMHC insurance will be added. Interest Rate (%) Amortization Period 5yrs 10yrs 15yrs 20yrs 25yrs 30yrs 5 years10 years15 years20 years25 years30 years Longer amortization lowers the monthly payment but increases total interest \u2014 try a few once you&#8217;ve calculated. Annual Property Tax ($) Monthly Heating ($) Monthly Condo Fees ($) Monthly Home Insurance ($) Calculate Scenario A \u2192 \u2014 Total Monthly Payment Mortgage (P&amp;I)\u2014 Property Tax\u2014 Heating\u2014 Condo Fees\u2014 Home Insurance\u2014 CMHC (amortized\/mo)\u2014 Mortgage Amount\u2014 CMHC Premium (total)\u2014 Total Interest Paid\u2014 Total Mortgage Cost\u2014 BScenario B Purchase Price ($) Down Payment ($)\u26a0 Down payment &lt; 20% \u2014 CMHC insurance will be added. Interest Rate (%) Amortization Period 5yrs 10yrs 15yrs 20yrs 25yrs 30yrs 5 years10 years15 years20 years25 years30 years Compare a shorter or longer term against Scenario A to see the real cost difference. Annual Property Tax ($) Monthly Heating ($) Monthly Condo Fees ($) Monthly Home Insurance ($) Calculate Scenario B \u2192 \u2014 Total Monthly Payment Mortgage (P&amp;I)\u2014 Property Tax\u2014 Heating\u2014 Condo Fees\u2014 Home Insurance\u2014 CMHC (amortized\/mo)\u2014 Mortgage Amount\u2014 CMHC Premium (total)\u2014 Total Interest Paid\u2014 Total Mortgage Cost\u2014 A vs B \u2014 Comparison Summary Item Scenario A Scenario B Difference Mortgage (P&amp;I) \u2014 \u2014 \u2014 Property Tax \u2014 \u2014 \u2014 Heating \u2014 \u2014 \u2014 Condo Fees \u2014 \u2014 \u2014 Home Insurance \u2014 \u2014 \u2014 CMHC (amortized\/mo) \u2014 \u2014 \u2014 Total \/ month \u2014 \u2014 \u2014 CMHC Premium (total) \u2014 \u2014 \u2014 Total Interest Paid \u2014 \u2014 \u2014 Total Mortgage Cost \u2014 \u2014 \u2014 Are You Thinking of Selling? Let the Numbers Work For You Too. Every buyer who uses this calculator is actively looking for a property in Greater Montreal \u2014 financially prepared, comparing options, ready to make a move. When you list with ENNA, your property reaches exactly these motivated buyers. Since 1977, we have guided sellers of residential homes, condos, plexes and revenue properties through every type of market. We know what buyers can afford, what they are comparing, and how to position your property to attract serious offers at the right price. Honest market evaluation \u2014 no inflated numbers to win your listing Maximum exposure on Centris, Realtor.ca and our private buyer network Specialized experience in revenue properties and multi-unit buildings Expert negotiation built on 49 years of Montreal real estate Multilingual service \u2014 English, French, Italian and some Spanish Available 7 days a week, from evaluation to closing Ready to find out what your property is worth? Get a Free Evaluation \u2192 Contact Us Directly No commitment required. We will get back to you within 1 business day. Frequently Asked Questions Everything Montreal buyers need to know about mortgages, CMHC, and financing in Quebec. What is the minimum down payment required in Canada?+ In Canada, the minimum down payment is 5% for properties under $500,000. For properties between $500,000 and $999,999, it&#8217;s 5% on the first $500,000 and 10% on the remainder. Properties over $1,000,000 require at least 20%. Use Scenario A and B to compare what different down payment amounts mean for your monthly payments. When is CMHC mortgage insurance required?+ CMHC insurance is mandatory when your down payment is less than 20% of the purchase price. The premium ranges from 2.8% to 4% of the mortgage amount depending on your down payment. Our calculator adds this cost automatically and shows you its monthly impact \u2014 no surprises. How do condo fees affect my mortgage qualification in Quebec?+ In Quebec, lenders include 50% of monthly condo fees when calculating your gross debt service (GDS) ratio. This directly affects how much you can borrow. A condo with $500\/month in fees adds $250 to your monthly obligations in the bank&#8217;s eyes. Our calculator includes the full condo fee in your total monthly cost estimate. What amortization period should I choose?+ A longer amortization (25\u201330 years) lowers your monthly payments but significantly increases total interest paid. A shorter period saves money long-term but requires higher monthly payments. Use the amortization chips to switch periods instantly, or compare two scenarios side by side \u2014 the numbers are often surprising. Should I choose a fixed or variable interest rate?+ Fixed rates offer payment stability and protection against rate increases. Variable rates can be lower initially but fluctuate with the Bank of Canada&#8217;s key rate. Try entering both rates in Scenario A and Scenario B to compare the monthly and long-term difference before deciding. Can ENNA help me get pre-approved for a mortgage?+ Yes. Once you&#8217;ve used our calculator to estimate your budget, our brokers can connect you with trusted financing professionals and guide you through the pre-approval process. Visit our financing page or contact us directly \u2014 we&#8217;re available 7 days a week by appointment. Professional Memberships OACIQQuebec Real Estate Regulatory Body APCIQProfessional Association of Quebec Brokers CREACanadian Real Estate Association CentrisCentralized Listing Service Realtor.caNational MLS Network Residential \u00b7 Multi-Unit \u00b7 Commercial \u2014<\/p>",
        "protected": false
    },
    "author": 1,
    "featured_media": 0,
    "parent": 0,
    "menu_order": 0,
    "comment_status": "closed",
    "ping_status": "closed",
    "template": "elementor_header_footer",
    "meta": {
        "footnotes": ""
    },
    "class_list": [
        "post-41005",
        "page",
        "type-page",
        "status-publish",
        "hentry",
        "entry"
    ],
    "_links": {
        "self": [
            {
                "href": "https:\/\/enna1.com\/en\/wp-json\/wp\/v2\/pages\/41005",
                "targetHints": {
                    "allow": [
                        "GET"
                    ]
                }
            }
        ],
        "collection": [
            {
                "href": "https:\/\/enna1.com\/en\/wp-json\/wp\/v2\/pages"
            }
        ],
        "about": [
            {
                "href": "https:\/\/enna1.com\/en\/wp-json\/wp\/v2\/types\/page"
            }
        ],
        "author": [
            {
                "embeddable": true,
                "href": "https:\/\/enna1.com\/en\/wp-json\/wp\/v2\/users\/1"
            }
        ],
        "replies": [
            {
                "embeddable": true,
                "href": "https:\/\/enna1.com\/en\/wp-json\/wp\/v2\/comments?post=41005"
            }
        ],
        "version-history": [
            {
                "count": 139,
                "href": "https:\/\/enna1.com\/en\/wp-json\/wp\/v2\/pages\/41005\/revisions"
            }
        ],
        "predecessor-version": [
            {
                "id": 44417,
                "href": "https:\/\/enna1.com\/en\/wp-json\/wp\/v2\/pages\/41005\/revisions\/44417"
            }
        ],
        "wp:attachment": [
            {
                "href": "https:\/\/enna1.com\/en\/wp-json\/wp\/v2\/media?parent=41005"
            }
        ],
        "curies": [
            {
                "name": "wp",
                "href": "https:\/\/api.w.org\/{rel}",
                "templated": true
            }
        ]
    }
}