Making choices that will increase the comfort and value of your property is key to a successful renovation project, as is choosing a financing solution that gives you flexibility to manage your budget.<\/p>\n
Before you think about how you\u2019ll finance your renovations, you have to estimate the renovation costs as accurately as possible. By requesting a quote from a few recognized professionals, you\u2019ll be able to make the right choices and prepare a solid budget at the onset of your project. Your Caisse financial advisor can accompany you throughout the entire renovations process, as well as help you with the preliminary steps.<\/p>\n
Determine the type of financing required for your project:<\/p>\n
Among the suggested financing solutions, here are those that meet most of the varied needs of those who decide to renovate:<\/p>\n
Did you know that a wage loss insurance plan only covers two-thirds of your salary?
\nTo prepare for the unexpected and continue to meet your lending obligations in the event of death or disability, the Caisse offers a broad range of credit insurance products.<\/p>\n
Because insuring your loans today means a more secure tomorrow.<\/p>\n
If you\u2019re going to renovate, it\u2019s important to contact your insurer to update your policy. Some renovations are more likely than others to increase the value of your home. If this is the case for you, it\u2019s important to check with your insurer to see what impact the property improvements will have on your current home insurance policy. By doing so, you\u2019ll ensure coverage for the full value of your improved property and avoid unpleasant surprises in the event of claims.<\/p>\n<\/div>\n
Do you have a small renovation project in mind? Would you like to redo the kitchen floor or build a new deck? Or perhaps you have emergency repairs to take care of? Before you get out your hammer, find out about the Caisse\u2019s financing solutions.<\/p>\n
The Personal Line of Credit is the ideal product for work that is spread out over a long period of time. It gives you direct access to your money via cheques, ATMs or direct payments whenever you need it. The only fees you\u2019ll be responsible for are the going interest rate on your line of credit. You can also repay the principal at any time, without penalty.<\/p>\n
Find out more \u2013 See\u00a0Personal Line of Credit.<\/a><\/p>\n Want to build a deck, landscape your home or redo the bathroom? Have you been dreaming of an updated kitchen? Want to transform the basement into your home office? Here are the financing solutions available to you:<\/p>\n The Personal Loan is the the ideal tool if you know how much money you need and want to know what your payment schedule will be. The advantage is that you know ahead of time exactly what monthly, bi-weekly or weekly payments are required to repay the entire loan amount.<\/p>\n The fixed-rate loan allows you to know the credit charges and due date of your loan right away. With a variable rate, you can benefit from possible rate decreases.<\/p>\n Find out more \u2013 See\u00a0Personal Loan<\/a>.<\/p>\n The Personal Line of Credit is the ideal product for work that is spread out over a long period of time. It gives you direct access to your money via cheques, ATMs or direct payments whenever you need it. The only fees you\u2019ll be responsible for are the going interest rate on your line of credit. You can also repay the principal at any time, without penalty.<\/p>\n Find out more \u2013 See\u00a0Personal Line of Credit.<\/a><\/p>\n This financial tool gives you the ability to borrow back money that has already been invested in your mortgage and take advantage of the current mortgage rate, lower than the rate on a personal loan or line of credit. And you can do all this without having to visit a lawyer.<\/p>\n Find out more \u2013 See\u00a0Multiproject Option<\/a>.<\/p>\n The Versatile Line of Credit is a line of credit with security of mortgage that allows you to use the value of your home to finance your projects at a good rate.<\/p>\n Find out more \u2013 See\u00a0Versatile Line of Credit<\/a>.<\/p>\n You\u2019re building an extension or digging a pool? Here are the suggested tools:<\/p>\n The Versatile Line of Credit is a line of credit with security of mortgage that allows you to use the value of your home to finance your projects at a good rate.<\/p>\n Find out more \u2013 See\u00a0Versatile Line of Credit<\/a>.<\/p>\n Mortgages are an excellent financial tool for a big project. Making it happen at the mortgage rate can be an attractive option.<\/p>\nProjects between $12,500 and $25,000<\/h2>\n
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Personal Loan<\/h3>\n
Opt for a fixed or a variable rate<\/h3>\n
Personal Line of Credit<\/h3>\n
Multiproject Option<\/h3>\n
Versatile Line of Credit<\/h3>\n
Projects of more then $25,000<\/h2>\n
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Versatile Line of Credit<\/h3>\n
Our mortgages<\/h3>\n