{
  "country": "CA",
  "region": "MB",
  "regionName": "Manitoba",
  "isScaffold": true,
  "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": "Manitoba Land Transfer Tax (Scaffold — Verify)",
      "brackets": [
        {
          "upTo": null,
          "rate": 0.015
        }
      ],
      "notes": "SCAFFOLD: Transfer tax details have not been verified for this region. Do not rely on this figure."
    }
  ],
  "typicalPropertyTaxRate": 0.01,
  "depreciationMethod": "CCA",
  "depreciationRate": 0.04,
  "capitalGainsInclusionRate": 0.5,
  "salesTaxOnNewConstruction": 0.05,
  "deposit": {
    "cap": 1,
    "interestRate": null,
    "holdType": "any"
  },
  "rentIncrease": {
    "guideline": null,
    "noticeDays": 90,
    "belowMarketExempt": false,
    "abi1482Style": false
  },
  "lateFeeMax": null,
  "lateFeeGraceDays": 0,
  "str": {
    "requiresLicense": null,
    "primaryResidenceOnly": null
  },
  "officialLinks": {
    "revenueDept": "https://www.canada.ca/en/revenue-agency.html"
  },
  "lastVerified": null,
  "notes": "SCAFFOLD pack for Manitoba. Rules are placeholders — verify all figures against official Manitoba government sources before relying on them."
}