{
  "country": "CA",
  "region": "QC",
  "regionName": "Quebec",
  "isScaffold": false,
  "currency": "CAD",
  "currencySymbol": "$",
  "locale": "fr-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": "Taxe de bienvenue (Welcome Tax / Transfer Duties)",
      "brackets": [
        {
          "upTo": 58900,
          "rate": 0.005
        },
        {
          "upTo": 294500,
          "rate": 0.01
        },
        {
          "upTo": 529100,
          "rate": 0.015
        },
        {
          "upTo": 1000000,
          "rate": 0.02
        },
        {
          "upTo": 2000000,
          "rate": 0.025
        },
        {
          "upTo": null,
          "rate": 0.03
        }
      ],
      "notes": "Brackets indexed annually. Montreal applies additional rates — verify with city. First-time buyers: some municipalities offer exemptions.",
      "source": "https://www.quebec.ca/impots-et-taxes/droits-immobiliers"
    }
  ],
  "typicalPropertyTaxRate": 0.012,
  "depreciationMethod": "CCA",
  "depreciationRate": 0.04,
  "capitalGainsInclusionRate": 0.5,
  "salesTaxOnNewConstruction": 0.14975,
  "deposit": {
    "cap": 1,
    "interestRate": null,
    "holdType": "any",
    "source": "https://www.legisquebec.gouv.qc.ca/en/document/cs/CCQ-1991"
  },
  "rentIncrease": {
    "guideline": null,
    "noticeDays": 90,
    "belowMarketExempt": false,
    "abi1482Style": false,
    "source": "https://www.tal.gouv.qc.ca/"
  },
  "lateFeeMax": null,
  "lateFeeGraceDays": 0,
  "str": {
    "requiresLicense": true,
    "primaryResidenceOnly": false,
    "source": "https://www.tourisme.gouv.qc.ca/en/programmes-aide/etablissements-hebergement-touristique"
  },
  "officialLinks": {
    "tenancyAct": "https://www.legisquebec.gouv.qc.ca/en/document/cs/CCQ-1991",
    "rentIncreasePage": "https://www.tal.gouv.qc.ca/en/rental-housing/rent-review",
    "depositRules": "https://www.tal.gouv.qc.ca/en/rental-housing/security-deposits",
    "transferTax": "https://www.quebec.ca/impots-et-taxes/droits-immobiliers",
    "ltb": "https://www.tal.gouv.qc.ca/",
    "revenueDept": "https://www.canada.ca/en/revenue-agency.html"
  },
  "lastVerified": "2025-01-15",
  "notes": "Quebec TAL sets annual rent increase guidelines by heating type — verify each year. Welcome Tax (Taxe de bienvenue) brackets are indexed annually."
}