Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]

Real estate financing

Transaction
Fee
Residential rental property (building with more than 8 units or real estate portfolio of more than 12 units in total)
File analysis and setup
1/4% of authorized amount
$75 min./door
Renewal at maturity (if no annual monitoring fee)
1/4% of balance
$25 min./door
Renewal before maturity date
$150 plus penalty stipulated in contract
Reopening of file
1/4% of authorized amount
$75 min./door
Transfer to a third party
1/4% of balance
$75 min./door
Multiproject clause (file analysis)
$75 min./door or 1/4% of authorized amount
min.:the highest of $25/door or $300
Annual monitoring (commitments exceeding $4,000,000)
1/4% of balance
$25 min./door
Commercial building
File analysis and setup loan up to $500,0001
1/2% of authorized amount
$225 min.
File analysis and setup loan over $500,0001
3/4% of authorized amount
1/4% min.
Renewal on maturity date
no fee
Renewal before maturity date
$225 plus penalty stipulated in contract
Reopening of file
1/2% of authorized amount
$150 min.
Transfer to a third party
1/2% of balance
$150 min.
Multiproject clause (file analysis)
1/2% of authorized amount
$225 min.
Annual monitoring
1/4% of balance
$225 min.
Other charges (multiple dwelling and commercial building)
Taking of security interest
incurred fees
Property appraisal
incurred fees
On-site visit by caisse staff
$50/visit
On-site visit by a professional
incurred fees
Total or partial prepayment
penalty stipulated in contract
Written or telephone notice
$5
Additional supervision of file
from $50/month
Release
$50 plus incurred expenses (no fee if the loan is due)
Discharge
incurred expenses
Extension of file
$50 or $125 depending on analysis

1. May be up to 1% for more complex files.

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