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Mortgage loan

Thinking about buying a home or renewing your mortgage? Have a look at the rates on our mortgage loans.

Current promotions

Mortgage loans	Promotions for new mortgages1 and 2
"5-in-1" Yearly Rate Resetter Mortgage Loan	2.99%3 interest rate

Official rates in effect on February 3, 2012

Residential mortgage loan (6 months to 10 years) – Closed fixed rate ²  

Term	Interest rate
6 months	4.40%
1 year	3.49%
2 years	3.55%
3 years	3.95%
4 years	4.64%
5 years	5.14%
7 years	6.35%
10 years	6.75%

Residential mortgage loan – Open fixed rate ²  

Term	Interest rate
6 months	6.50%
1 year	6.30%

Residential mortgage loan - Variable rate ²  

Open regular variable rate	Closed reduced variable rate	Closed protected variable rate4	"5-in-1" Yearly Rate Resetter (closed)3
4.00%	3.10%	3.60%	2.99%

Line of credit with security of mortgage

Type	Interest rate
Versatile Line of Credit ($25,000 or more)	For the current rates, contact an advisor at a caisse.

Last update: February 2, 2012
Rates are subject to change without prior notice. Rates may vary according to your credit rating, the amount borrowed, guarantees offered and other factor. Certain conditions may apply.

These interest rates are recommended by the Fédération des caisses Desjardins du Québec to all its caisses.

For additional information, please contact an advisor at a caisse.

1. Rates subject to change without notice. Certain conditions apply.
2. In Ontario, the annual percentage rate (APR) is equal to the posted interest rate, assuming that there are no additional charges applicable to the loan. Should there be such charges, the APR might be different
3. This rate is the equivalent of a 0.5% annual rebate on the rate for a 1-year fixed rate mortgage. The rate may change on the anniversary of the mortgage. For new mortgages, a promotional rate may apply the first year.
4. Protected variable rate ceiling is 5.14%.