{
  "country": "CA",
  "region": "AB",
  "regionName": "Alberta",
  "isScaffold": false,
  "currency": "CAD",
  "currencySymbol": "$",
  "locale": "en-CA",
  "lengthUnit": "sqft",
  "mortgageCompounding": "semi-annual",
  "minDownPct": 0.05,
  "defaultAmortYears": 25,
  "mortgageInsuranceName": "CMHC",
  "cmhcTiers": [
    {
      "minDownPct": 0.05,
      "maxDownPct": 0.0999,
      "insuranceRate": 0.04
    },
    {
      "minDownPct": 0.1,
      "maxDownPct": 0.1499,
      "insuranceRate": 0.031
    },
    {
      "minDownPct": 0.15,
      "maxDownPct": 0.1999,
      "insuranceRate": 0.028
    },
    {
      "minDownPct": 0.2,
      "maxDownPct": 1,
      "insuranceRate": 0
    }
  ],
  "transferTaxLayers": [
    {
      "name": "Alberta Land Title Transfer Fee",
      "brackets": [
        {
          "upTo": null,
          "rate": 0
        }
      ],
      "notes": "Alberta has NO provincial land transfer tax. Only land title transfer fees apply (flat fee of ~$600 on a typical purchase).",
      "source": "https://www.alberta.ca/land-titles.aspx"
    }
  ],
  "typicalPropertyTaxRate": 0.0075,
  "depreciationMethod": "CCA",
  "depreciationRate": 0.04,
  "capitalGainsInclusionRate": 0.5,
  "salesTaxOnNewConstruction": 0.05,
  "deposit": {
    "cap": 1,
    "interestRate": null,
    "holdType": "any",
    "source": "https://www.alberta.ca/residential-tenancies.aspx"
  },
  "rentIncrease": {
    "guideline": null,
    "noticeDays": 90,
    "belowMarketExempt": false,
    "abi1482Style": false,
    "source": "https://www.alberta.ca/rent-increases.aspx"
  },
  "lateFeeMax": null,
  "lateFeeGraceDays": 0,
  "str": {
    "requiresLicense": null,
    "primaryResidenceOnly": null,
    "source": "https://www.calgary.ca/development/short-term-rentals.html"
  },
  "officialLinks": {
    "tenancyAct": "https://www.qp.alberta.ca/documents/Acts/r17p1.pdf",
    "rentIncreasePage": "https://www.alberta.ca/rent-increases.aspx",
    "depositRules": "https://www.alberta.ca/damage-deposits.aspx",
    "transferTax": "https://www.alberta.ca/land-titles.aspx",
    "ltb": "https://www.alberta.ca/landlord-tenant-disputes.aspx",
    "revenueDept": "https://www.canada.ca/en/revenue-agency.html"
  },
  "lastVerified": "2025-01-15",
  "notes": "Alberta has no provincial land transfer tax — a major advantage for buyers. No rent increase cap means landlords can raise rent with proper notice."
}