{"id":15767,"date":"2024-06-02T11:12:08","date_gmt":"2024-06-02T11:12:08","guid":{"rendered":"https:\/\/hypothequerapide.com\/les-taux"},"modified":"2024-06-26T02:48:09","modified_gmt":"2024-06-26T02:48:09","slug":"les-taux","status":"publish","type":"page","link":"https:\/\/hypothequerapide.com\/en\/rates","title":{"rendered":"Rates"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"15767\" class=\"elementor elementor-15767 elementor-14302\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a773101 e-flex e-con-boxed e-con e-parent\" data-id=\"a773101\" data-element_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-4bb2baa elementor-widget elementor-widget-heading\" data-id=\"4bb2baa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rates<\/h2>\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-651a1e2 e-flex e-con-boxed e-con e-parent\" data-id=\"651a1e2\" data-element_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<div class=\"elementor-element elementor-element-f13e3ad e-con-full e-flex e-con e-child\" data-id=\"f13e3ad\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-45d3a4f e-flex e-con-boxed e-con e-child\" data-id=\"45d3a4f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e10292a elementor-widget elementor-widget-heading\" data-id=\"e10292a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"underline\">Understand the different mortgage rate<\/span> and obtain the best rate.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c44539 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6c44539\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fixed and variable rate; term of 1, 3, 5, or 10 years; amortization period; closed or open loans: these are all concepts you will need to understand before signing a mortgage contract.<\/p><p>Here\u2019s how to find your way\u2026 and how to get the best rate thanks to Multi-Pr\u00eats!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98d3cc2 elementor-widget elementor-widget-text-editor\" data-id=\"98d3cc2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As of 14\/04\/26<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-389cd59 e-flex e-con-boxed e-con e-child\" data-id=\"389cd59\" data-element_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-905e4e6 elementor-widget elementor-widget-html\" data-id=\"905e4e6\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<input type=\"checkbox\" id=\"toggle_popup\" class=\"toggleCheckbox\" \/>\n<label for=\"toggle_popup\" class=\"toggleContainer\">\n <div>Fixed rate<\/div> \n <div>Variable rate<\/div>\n<\/label>\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 class=\"elementor-element elementor-element-e2405e9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e2405e9\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\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-470ac46 e-flex e-con-boxed e-con e-child\" data-id=\"470ac46\" data-element_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<div class=\"elementor-element elementor-element-f7057ea e-con-full e-flex e-con e-child\" data-id=\"f7057ea\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd72fde elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"fd72fde\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Today's mortgage rate<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e77f7f e-con-full e-flex e-con e-child\" data-id=\"1e77f7f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1318ab4 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1318ab4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Multi-Pr\u00eats rates<\/h6>\t\t\t\t<\/div>\n\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-3711b9a popup_fixed e-flex e-con-boxed e-con e-child\" data-id=\"3711b9a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-34c9e19 e-con-full e-flex e-con e-child\" data-id=\"34c9e19\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4de342d elementor-widget elementor-widget-text-editor\" data-id=\"4de342d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_1y_f_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12b18b9 e-con-full e-flex e-con e-child\" data-id=\"12b18b9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-046470b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"046470b\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbb6b1d e-con-full e-flex e-con e-child\" data-id=\"fbb6b1d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbbdce8 elementor-widget elementor-widget-text-editor\" data-id=\"bbbdce8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>1 year fixed<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-edb6895 e-con-full e-flex e-con e-child\" data-id=\"edb6895\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1655208 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1655208\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-93ea2eb e-con-full e-flex e-con e-child\" data-id=\"93ea2eb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49949dd elementor-widget elementor-widget-text-editor\" data-id=\"49949dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_1y_f\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\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-fd54210 popup_fixed e-flex e-con-boxed e-con e-child\" data-id=\"fd54210\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-21e3b21 e-con-full e-flex e-con e-child\" data-id=\"21e3b21\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34a7004 elementor-widget elementor-widget-text-editor\" data-id=\"34a7004\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_3y_f_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-433bbf9 e-con-full e-flex e-con e-child\" data-id=\"433bbf9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2b3de3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d2b3de3\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b77071 e-con-full e-flex e-con e-child\" data-id=\"1b77071\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53ffe13 elementor-widget elementor-widget-text-editor\" data-id=\"53ffe13\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>3 years fixed<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a6d50a e-con-full e-flex e-con e-child\" data-id=\"1a6d50a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-367d26f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"367d26f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-069aff6 e-con-full e-flex e-con e-child\" data-id=\"069aff6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e6aa6e elementor-widget elementor-widget-text-editor\" data-id=\"8e6aa6e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_3y_f\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\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-a4e7696 popup_fixed e-flex e-con-boxed e-con e-child\" data-id=\"a4e7696\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b5585c9 e-con-full e-flex e-con e-child\" data-id=\"b5585c9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34062ff elementor-widget elementor-widget-text-editor\" data-id=\"34062ff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_5y_f_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-443ecc7 e-con-full e-flex e-con e-child\" data-id=\"443ecc7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef37777 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ef37777\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec3f448 e-con-full e-flex e-con e-child\" data-id=\"ec3f448\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c795b58 elementor-widget elementor-widget-text-editor\" data-id=\"c795b58\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>5 years fixed<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87e4475 e-con-full e-flex e-con e-child\" data-id=\"87e4475\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79eecc7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"79eecc7\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69ad89f e-con-full e-flex e-con e-child\" data-id=\"69ad89f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-140d85b elementor-widget elementor-widget-text-editor\" data-id=\"140d85b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_5y_f\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\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-c55f368 popup_variable e-flex e-con-boxed e-con e-child\" data-id=\"c55f368\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-627ee6d e-con-full e-flex e-con e-child\" data-id=\"627ee6d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dfd996 elementor-widget elementor-widget-text-editor\" data-id=\"5dfd996\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_5y_v_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3584bb7 e-con-full e-flex e-con e-child\" data-id=\"3584bb7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a27f7fe elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a27f7fe\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ec043d e-con-full e-flex e-con e-child\" data-id=\"7ec043d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41aa553 elementor-widget elementor-widget-text-editor\" data-id=\"41aa553\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>5 years variable<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84601b7 e-con-full e-flex e-con e-child\" data-id=\"84601b7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-880fd89 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"880fd89\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec8f623 e-con-full e-flex e-con e-child\" data-id=\"ec8f623\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66fbf29 elementor-widget elementor-widget-text-editor\" data-id=\"66fbf29\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_5y_v\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\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-b3753b1 popup_fixed e-flex e-con-boxed e-con e-child\" data-id=\"b3753b1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4a2773c e-con-full e-flex e-con e-child\" data-id=\"4a2773c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14bfd31 elementor-widget elementor-widget-text-editor\" data-id=\"14bfd31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_7y_f_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b17964 e-con-full e-flex e-con e-child\" data-id=\"9b17964\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-021de77 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"021de77\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e73cc0f e-con-full e-flex e-con e-child\" data-id=\"e73cc0f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5925fd7 elementor-widget elementor-widget-text-editor\" data-id=\"5925fd7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>7 years fixed<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7be96f8 e-con-full e-flex e-con e-child\" data-id=\"7be96f8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d14c29e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d14c29e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2243c9 e-con-full e-flex e-con e-child\" data-id=\"a2243c9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21f9a85 elementor-widget elementor-widget-text-editor\" data-id=\"21f9a85\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_7y_f\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\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-76e6f45 e-flex e-con-boxed e-con e-child\" data-id=\"76e6f45\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7851683 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7851683\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#cta\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get your rate<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\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-fd733be e-flex e-con-boxed e-con e-child\" data-id=\"fd733be\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a6037f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7a6037f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/mortgage-calculator\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Use our mortgage calculator<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\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>\n\t\t\t\t<div class=\"elementor-element elementor-element-01f314b elementor-widget elementor-widget-heading\" data-id=\"01f314b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"underline\">Fixed or variable rate:<\/span> which is the best option?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea0bfeb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ea0bfeb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although fixed-rate mortgages are still popular, you may find it more advantageous to consider a variable rate mortgage. Here&#8217;s how it works.<\/p><p><strong>Fixed-rate<\/strong><\/p><p>A fixed-rate mortgage guarantees the same interest rate for the term. With a fixed rate, you, therefore, ensure that you always pay the same amount to repay principal and interest, regardless of the level of market volatility. For example, if you choose a 5-year fixed-rate mortgage at 4.94%, your interest rate will be frozen at 4.94% for five years.<\/p><p><a href=\"https:\/\/www.cmhc-schl.gc.ca\/fr\/housing-observer-online\/2019-housing-observer\/new-publication-residential-mortgage-industry-report\" target=\"_blank\" rel=\"noopener\"><strong>According to CMHC, the majority of Canadians opt for a 5-year fixed rate.<\/strong><\/a><br \/><br \/><\/p><p><strong>Benefits<\/strong><\/p><ul><li>Low risk: ideal for those with low-risk tolerance.<\/li><li>Facilitates budgeting.<\/li><\/ul><p><strong>Disadvantage<\/strong><\/p><ul><li>In general, the fixed rate is higher than the variable rate when the mortgage is taken out.<\/li><\/ul><p><strong>Variable rate<\/strong><\/p><p>The Variable Rate Mortgage follows the market, the policy rate, and the Bank of Canada&#8217;s target for the overnight rate. Thus, it can go up or down from one day to the next, influencing monthly payments.<\/p><p>However, an increase in the policy rate (and therefore in interest rates in general) rarely significantly impacts variable rates. To illustrate this point, let&#8217;s take the example of a 0.25% increase in the key interest rate: for a $300,000 mortgage, the monthly payment will increase by $36, a relatively negligible amount for most people.<\/p><p>But beware: the variable-rate mortgage may be less profitable for those who acquire a property whose value is close to the limit of their financial capacity. In such cases, an increase in the interest rate could pose a real problem.<\/p><p><strong>Advantage<\/strong><\/p><ul><li>Interest rates are generally lower than fixed rates.<\/li><\/ul><p><strong>Inconvenience <\/strong><\/p><ul><li>Higher risk: Since rates fluctuate, variable rates may exceed fixed rates during your term.<\/li><li>More difficult to budget.<\/li><\/ul>\t\t\t\t\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-07b730b e-flex e-con-boxed e-con e-parent\" data-id=\"07b730b\" data-element_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<div class=\"elementor-element elementor-element-ebbedb7 e-con-full e-flex e-con e-child\" data-id=\"ebbedb7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-912dbd2 elementor-widget elementor-widget-heading\" data-id=\"912dbd2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The term<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f96901 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5f96901\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The term is the duration of the current mortgage contract. Although the 5-year period is the most popular, you can choose between 1 and 10 years. If the principal and interest on your mortgage are not paid in full by the end of your term, you will have to renew your mortgage.<\/p><p>At the end of your term, you will have the freedom to renew your mortgage with your current financial institution or deal with another lender.<\/p><p><strong>The Multi-Pr\u00eats advantage<\/strong><\/p><p>Don&#8217;t forget to contact our team of West Island mortgage brokers when renewing your mortgage: we will negotiate the best terms and interest rates for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bb0bb6 e-con-full e-flex e-con e-child\" data-id=\"5bb0bb6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad844c0 elementor-widget elementor-widget-image\" data-id=\"ad844c0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration.jpg\" class=\"attachment-large size-large wp-image-12791\" alt=\"\" srcset=\"https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration.jpg 600w, https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0103ec8 bannerbutton elementor-widget elementor-widget-banca_btn\" data-id=\"0103ec8\" data-element_type=\"widget\" data-widget_type=\"banca_btn.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <a class=\"banca-ub-btn banca-ub-btn-normal banca-ub-btn-link elementor-button elementor-button-link elementor-size-xl ub-animation-left2right\" href=\"#cta\">\n                \n        <span class=\"elementor-button-content-wrapper\">\n            <span class=\"elementor-button-icon elementor-align-icon-left\">\n                            <\/span>\n            <span class=\"elementor-button-text\">\n                Get Free Mortgage Proposals            <\/span>\n\t\t<\/span>\n                    <\/a>\n            \t\t\t\t<\/div>\n\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-b490332 e-flex e-con-boxed e-con e-parent\" data-id=\"b490332\" data-element_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-4863734 elementor-widget elementor-widget-heading\" data-id=\"4863734\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"underline\">Amortization period<\/span>\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f641b0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7f641b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The amortization period is the specified number of years it will take you to pay off your mortgage (principal and interest) in full. This is indicated on your mortgage contract. Some financial institutions allow their clients to opt for an amortization period of up to 30 years.<\/p><p>Note that the longer the amortization period, the more you will minimize your monthly payments (but you will pay more interest). Conversely, the shorter the amortization period, the higher your monthly payments will be (but you will save a lot of interest).<\/p><p>At the end of your term, you will be able to reduce the amortization period if necessary.<\/p><p><strong>The Multi-Pr\u00eats advantage<\/strong><\/p><p>Our brokers will help you determine the ideal amortization period. Our goal is for you to pay as little interest as possible while having monthly payments that respect your budget.<\/p>\t\t\t\t\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-b75947d e-flex e-con-boxed e-con e-parent\" data-id=\"b75947d\" data-element_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-f84f61c elementor-widget elementor-widget-heading\" data-id=\"f84f61c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does your <span class=\"underline\">mortgage rate depend on?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ad603a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9ad603a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Several factors influence mortgage rates.<\/p>\t\t\t\t\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-409c571 e-flex e-con-boxed e-con e-parent\" data-id=\"409c571\" data-element_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<div class=\"elementor-element elementor-element-e92833b e-con-full e-flex e-con e-child\" data-id=\"e92833b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1992ef elementor-widget elementor-widget-heading\" data-id=\"b1992ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">The economic situation<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc2ed8b elementor-widget elementor-widget-text-editor\" data-id=\"cc2ed8b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When the economy is experiencing strong growth, more companies want to expand. To do so, they need financing, for which they turn to financial institutions. The mortgage lenders have the freedom to charge higher interest rates to borrowers, including individuals. Conversely, when the economy slows down, loan applications decline, which drives rates down.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43e67c7 e-con-full e-flex e-con e-child\" data-id=\"43e67c7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14176eb elementor-widget elementor-widget-heading\" data-id=\"14176eb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Interest rates elsewhere in the world<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5857f48 elementor-widget elementor-widget-text-editor\" data-id=\"5857f48\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Since Canada&#8217;s economy is linked to that of other world powers, such as the United States, interest rates elsewhere in the world have a direct impact on ours.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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-07a7f5d e-flex e-con-boxed e-con e-parent\" data-id=\"07a7f5d\" data-element_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<div class=\"elementor-element elementor-element-468a190 e-con-full e-flex e-con e-child\" data-id=\"468a190\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e73ebf elementor-widget elementor-widget-heading\" data-id=\"7e73ebf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">The key rate<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d08bccd elementor-widget elementor-widget-text-editor\" data-id=\"d08bccd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Bank of Canada adjusts its key interest rate eight times a year up or down to stabilize the economy (to curb inflation or encourage banks to lend, among other things), which influences interest rates.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12e5197 e-con-full e-flex e-con e-child\" data-id=\"12e5197\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de40103 elementor-widget elementor-widget-heading\" data-id=\"de40103\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">The risk of non-reimbursement<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1afe95 elementor-widget elementor-widget-text-editor\" data-id=\"a1afe95\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The most significant risk for the lender is if the borrower does not pay his monthly payment. The higher the risk, the higher the interest rate offered to the borrower is likely to be.<\/p><p>To determine the level of risk, the lender will consider, among other things, the borrower&#8217;s credit rating (which is a good indicator of the borrower&#8217;s debt repayment habits), the borrower&#8217;s debt-to-equity ratio, and the amount requested for the loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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-ea17737 e-flex e-con-boxed e-con e-parent\" data-id=\"ea17737\" data-element_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-1b4cc8b elementor-widget elementor-widget-heading\" data-id=\"1b4cc8b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to <span class=\"underline\">get the best mortgage rate<\/span>?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db2f6f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8db2f6f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The best way to get the best mortgage rate is to do business with a mortgage broker. But in addition to using a broker&#8217;s services, you can also use a strategy to get the best possible rate.<\/p><p><strong>Plan six months in advance.<\/strong><\/p><p>If you soon need to renew your mortgage or take out a new one, you can start the process six months before D-Day. Some financial institutions offer you the opportunity to take advantage of the best mortgage rate during this period.<\/p><p><strong>Opt for a closed mortgage.<\/strong><\/p><p>Closed mortgages generally offer lower interest rates than open mortgages. Even though they are &#8220;closed&#8221;, these mortgages allow the borrower to prepay an amount between 10% and 20% depending on the lender of the principal amount borrowed each year without penalty to speed up payments (and ultimately pay less interest).<\/p><p>However, suppose you expect to receive a significant amount of money within a few months of signing your mortgage. In that case, it will be more beneficial for you to choose an open mortgage, which allows you to reimburse the amounts you want at any time.<\/p>\t\t\t\t\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-5092744 e-flex e-con-boxed e-con e-parent\" data-id=\"5092744\" data-element_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-cc5359d elementor-widget elementor-widget-heading\" data-id=\"cc5359d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The <span class=\"underline\">evolution of mortgage rates over time<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06ab773 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"06ab773\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Since 1969, the most popular mortgage rate, the fixed-rate with a 5-year term, has experienced various variations. According to the Bank of Canada, the rate averaged 4.79%, five years later, it rose to 12%, only to fall back to 10.25% in 1977. A few years later, the United States recession caused interest rates to skyrocket in 1981, the 5-year fixed-rate broke records, reaching 21.46%.<\/p><p>Fortunately for the owners and future owners, the latter finally dropped to 12.50% in 1983, a more acceptable level at the time (but one that would be unthinkable today). Since then, the 5-year fixed-rate has fluctuated slightly, with a general downward trend. With the pandemic in 2020, interest rates have fallen further, encouraging a boom in the real estate market.<\/p><p>In 2024 we look forward to rates falling again with the decrease in the inflation rate. The 5-year rate is currently hovering around 5%.<\/p>\t\t\t\t\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Rates Understand the different mortgage rate and obtain the best rate. Fixed and variable rate; term of 1, 3, 5, or 10 years; amortization period; closed or open loans: these are all concepts you will need to understand before signing a mortgage contract. Here\u2019s how to find your way\u2026 and how to get the best [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-15767","page","type-page","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Multi-Pr\u00eats MR | Mathieu Lebrun&#039;s Team | Rates<\/title>\n<meta name=\"description\" content=\"Explanation and comparison of the different types of mortgage rates\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hypothequerapide.com\/en\/rates\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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