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MLI SELECT

Guide complet du programme d’assurance prêt hypothécaire MLI Select de la SCHL pour les immeubles locatifs multi-logements au Canada.

Politique de confidentialitéConditions d’utilisationFAQPartenairesSite officiel de la SCHL

Dernière mise à jour mars 2026

Ce site Web n’est pas affilié à la Société canadienne d’hypothèques et de logement (SCHL), ni approuvé ou officiellement lié à celle-ci. Tous les résultats des calculateurs sont à des fins illustratives et éducatives uniquement et ne constituent pas des conseils financiers, juridiques ou en investissement. Consultez toujours des professionnels qualifiés et vérifiez les directives actuelles à cmhc-schl.gc.ca.

© 2026 cmhc-mliselect.com

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  5. Estimateur de primes

Estimateur de coût des primes

Estimez votre prime d'assurance SCHL et voyez comment les points MLI Select réduisent vos coûts.

1

Loan Details

Why you're getting the loan. Construction = building something new (higher premiums). Purchase/Refinance = buying an existing building or replacing its current mortgage.
Standard Rental is a regular apartment building. 'Other' includes student housing, retirement homes, supportive housing, and SROs — these have higher premiums because they're considered higher risk.
2

Financing Parameters

$5,000,000
How much of the property value you're borrowing. Higher leverage = higher premium. At 95% LTV the base premium is significantly higher than at 65% LTV.
85%
Loan Amount: $4,250,000
Longer amortization = surcharge. CMHC adds 0.25% to your premium for every 5 years beyond 25. So a 50-year amortization adds 1.25% in surcharges.
3

MLI Select Points

Your score earns you a discount on the premium. 50 points = 10% off. 70 points = 20% off. 100 points = 30% off. This is why maximizing your score saves real money.
70 pts
0 (No discount)50 (10%)70 (20%)100 (30%)
4

Additional Factors

If there's another loan behind the CMHC-insured mortgage, there's a 0.50% surcharge. Most MLI Select deals don't have one.
EGI = Effective Gross Income. This means your building is already earning the rental income CMHC projected. If it's not (e.g., still leasing up), there's a 0.25% surcharge. Doesn't apply to construction loans.
If your building has commercial space (retail, offices), there's a 1.00% surcharge on that portion. The commercial part can't exceed 30% of the building.
0%

Select Loan Details

Choose your loan purpose and shelter type to see premium estimates.

Les résultats sont à titre indicatif seulement selon le cadre de primes SCHL de juillet 2025. Vérifiez les taux actuels à cmhc-schl.gc.ca.