49:
1918:
275:
1242:
827:
991:$ 5 million for 2016–2017 to support internships for up to 625 Indigenous youth. The additional funding for CMHC's Housing Internship Initiative for First Nations and Inuit Youth (HIIFNIY) comes from the $ 165.4 million investment to expand opportunities for young Canadians under the Youth Employment Strategy announced in Budget 2016.
1217:; the analysis of distinct housing needs of specific populations such as Aboriginal people, seniors, persons with disabilities, and low-income households, and how these needs can be addressed; and the identification of practical approaches to advancing sustainable technologies and practices in the housing sector.
1097:
Via the FTHBI, the CMHC provides eligible participants with up to 5% of the purchase price of a resale home, and up to 10% of the purchase price of a newly constructed home. In return, the CMHC retains an equity stake in the property and recoups the value of the loan when the home is sold, or after a
941:
CMHC also introduced two on-reserve loan insurance products during the first half of the decade, enabling Band
Councils or Aboriginal persons to access CMHC-insured financing for the construction, purchase or renovation of single-family homes or multiple residential properties, and an insurance pilot
1397:
CMHC's On-Reserve Non-Profit
Housing Program assists First Nations in the construction, purchase and rehabilitation, and administration of suitable, adequate and affordable rental housing in First Nations communities. CMHC provides a subsidy to the project to assist with its financing and operation.
958:
Affordable
Housing – A total of $ 1.4B over two years starting in 2016 broken down as follows: $ 504.4 million related to measures to support the construction of new affordable housing units, the renovation and repair of existing affordable housing, measures to support housing affordability such as
1342:
As a public mortgage insurer, CMHC has a mandate to provide service in all parts of the country and for a range of housing forms. A significant portion of CMHC's mortgage loan insurance business is in markets or for housing options that are not served or less served by private mortgage insurers. In
1163:
CMHC also administers the legal framework for
Canadian covered bonds on behalf of the Government of Canada. Introduced in 2012, the framework supports financial stability by helping lenders to further diversify their sources of funding and by attracting more international investors, thus making the
598:
The banks thereafter began to issue mortgage loans with CMHC underwriting. If the individual receiving the loan went bankrupt then the bank who gave the loan would not lose money, but instead would be reimbursed by the government. As part of CMHC lending and insurance mechanisms, low-risk borrowers
1003:
scheme in which the CMHC provides eligible participants with up to 5% of the purchase price of a resale home, and up to 10% of the purchase price of a newly constructed home. The program was initially introduced over a limited four-year term and was allocated $ 1.25 billion. However, the governing
812:
were modified, allowing for the introduction of a 5% down payment—a change launched as a pilot in 1992, extended and finalized in 1999—removing a significant barrier for first-time home buyers. CMHC also expanded its activities internationally and launched the
Canadian Housing Export Centre (later
984:
On-Reserve – $ 137.7 million over two years starting in 2016 most of which would support the renovation and retrofit of existing housing and $ 10.4 million over three years starting in 2016 to support the renovation and construction of new shelters for victims of family violence in First
Nations
974:
Up to $ 500 million per year for five years to provide low cost loans to municipalities and housing developers for the construction of new affordable housing projects. This initiative would encourage the construction of affordable rental housing by making low-cost capital available to developers
1108:
This program can only be used for down payments below 15% (LTV > 85%). Eligible buyers must have a gross household income not exceeding $ 120,000. These, along with various other restrictions, limit the effective maximum price of an FTHBI-eligible property to $ 565,000. This is far below the
1038:
The CMHC only has the power to regulate its own borrowers, and not competing private mortgage insurers. The result of the increased qualifying criteria lead competition to acquire larger shares of the market. Sagen (formerly
Genworth) subsequently replaced the CMHC as Canada's largest mortgage
1367:
with housing groups who provide affordable housing to those in need. Approximately 80% of the existing social housing portfolio is administered by provinces and territories under long-term agreements with CMHC. The remaining 20% is administered by CMHC and includes the on-reserve portfolio and
703:
In the 1970s, affordability became a major factor in the home buying process. To help make housing more affordable, lot sizes were reduced and the density of developments were increased. As result, neighbourhood and residential improvement programs encouraged the maintenance and improvement of
393:
As such, there was an urgent need for a coordinated federal response to post-war housing shortages. This led to the creation of the
Central Mortgage and Housing Corporation as the successor to the Wartime Housing Limited, consolidating almost all federal housing programs into a single agency.
1156:
sold to investors are Canada
Mortgage Bonds issued by the Canada Housing Trust and National Housing Act Mortgage-Backed Securities issued by financial institutions. The timely payment of interest and principal on these securities is fully guaranteed by the Government of Canada, through CMHC.
1338:
Mortgage loan insurance is mandatory for federally-regulated lenders in Canada when the buyer of a home has less than a 20% down payment. This insurance protects the mortgage lender against loss if a borrower defaults, and allows qualified borrowers to access homeownership at interest rates
1167:
The full government guarantee extended to publicly securitized mortgage debt, and the low cost to lenders, means that there has been ongoing demand for the CMHC's securitization products. Today, CMHC holds a monopoly in the securitization of mortgage debt, and there is no viable private
760:
In the 1980s, the federal government withdrew from the financing of public housing projects. CMHC no longer directed funds to municipalities for the building of housing projects. Some government housing funds and mortgage guarantees since then have been provided for individual projects.
933:
Homelessness, assisted housing, and
Indigenous housing gained more prominence in the first half of the decade. In 2003, the federal-provincial affordable housing program began, with $ 1 billion in federal expenditure to improve affordable housing supply by an estimated 23,500 units.
1149:
CMHC's securitization guarantee programs enable approved financial institutions to pool eligible mortgages and transform them into marketable securities that can be sold to investors. This generates funds for financial institutions that can be loaned to residential homeowners.
968:$ 573.9 million for retrofits and renovations to existing homes provided under our Social Housing Activity to address the increasing demand for repairs, as well as improve efficiency and reduce energy use, lowering utility costs and making housing more affordable; and
1090:
Moreover, the spouse or common-law partner of the buyer should not have owned a home during the period that he/she was in the relationship with the buyer; and the property should be used as a principle residence within 9 months after the purchase of the property.
511:
munitions plant. The government-owned plant employed workers from different parts of Canada, and the site—along with the residences and the facilities established for the munitions workers—evolved into a self-contained community constructed and operated by WHL.
346:
introduced new legislation in Parliament "to promote the construction of new houses, the repair and modernization of existing houses, the improvements of housing and living conditions, and the expansion of employment in the post-war period." The Act received
527:
for municipal services provided to Ajax and establishing an official plan for the growing community acceptable to relevant government agencies. After considerable controversy regarding land and water control, CMHC submitted a successful application to the
626:
During this period, for the first time in Canadian history, multi-unit apartment buildings were beginning to outpace housing starts for single-family homes. Increased Government partnership with non-profit organizations also started around this time.
1220:
CMHC provides regular housing market analyses and forecasts at the local, provincial, and national levels. These activities support informed business decisions, policy development at all levels of government, and housing program design and delivery.
1393:
communities. CMHC's funding supports the construction of new rental housing, the renovation of existing homes, ongoing subsidies for existing rental social housing and an investment in capacity building for First Nations people living on-reserve.
1343:
addition to being the primary insurer for housing in small and rural communities, CMHC is the only insurer of mortgages for multi-unit residential properties, including large rental buildings, student housing and nursing and retirement homes.
374:, serious housing congestion had developed in Canada's main cities due to major shifts of population among war workers and service personnel and to shortages of construction supplies and labour. The housing situation was exacerbated by the
515:
In 1948, the government mandated the CMHC to develop the site and its surrounding area into a modern industrial town. The CMHC manager of the area, George Finley, planned new housing subdivisions, commercial centres, and industrial areas.
1688:
978:$ 208.3 million over five years to be invested in an Affordable Rental Housing Innovation Fund that would be used to test innovative business approaches – such as housing models with a mix of rental income and home ownership.
779:
as an alternative to investing in individual residential mortgages. In 1988, CMHC established the National Housing Awards to recognize achievements in the field and share housing innovations and best practices.
930:'s National Award in Governance in the Public Sector, presented to boards of directors that have demonstrated excellence in governance and have implemented successful innovations in their governance practices.
988:
Up to $ 30 million over three years, starting in 2016–2017, to help homeowners dealing with costly structural problems in their homes as a result of the presence of the mineral pyrrhotite in their foundations.
937:
In 2005, CMHC introduced a 10% "green refund" on mortgage loan insurance premiums for homeowners who buy or build an energy-efficient home, or who make energy-saving renovations to their existing homes.
1228:, and participates in global research and policy development for housing finance. The CMHC is also the host of the Housing Finance Symposium, an academic event to discuss global housing finance issues.
707:
In 1971, CMHC introduced the Assisted Home Ownership Program (AHOP) to appeal to first-time buyers and help low-income people attain homeownership. Also during that decade, CMHC turned its attention to
1225:
1172:
and stringent public oversight, this model nevertheless means that the majority of securitized mortgage debt is registered on the federal government's balance sheet. In a May 2019 speech to the
962:$ 200.7 million to support the construction, repair and adaption of affordable housing for seniors which is expected to improve housing conditions for more than 5,000 low-income households;
2663:
417:, "to provide facilities for the rediscounting of mortgages by the lending institutions," and to administer the Emergency Shelter Regulations (taking over this responsibility from the
1681:
1378:
CMHC also supports affordable housing through low-cost loans to federally-assisted social housing sponsors seeking to finance new projects on-reserve or to renew existing financing.
2400:
1027:
warned home buyers that their support for homeownership "can't be unlimited." They followed one month later by tightening mortgage insurance qualifications. The minimum qualifying
136:
2277:
547:
Throughout that decade, the federal government provided grants to cities to encourage them to tear down derelict buildings and build municipally-owned housing corporations.
1381:
CMHC's Affordable Housing Centre works with the private, public and non-profit sectors to help develop affordable housing that does not require ongoing federal assistance.
999:, the Government announced the First-Time Homebuyers Incentive (FTHBI) program to help first-time homebuyers realize the goal of homeownership. The program functions as a
251:
The agency's governance is led by an independent board of directors. However, the board is appointed by the Government of Canada and the agency is directly accountable to
1094:
Though launched on 2 September 2019, the program only covers purchases closing after 1 November 2019. The buyers must repay the government aid over a period of 15 years.
1105:
has committed to expanding the program further and removing certain pricing caps to make the potential pool of Canadians eligible for the program significantly larger.
1008:
has committed to expanding the program further and removing certain pricing caps to make the potential pool of Canadians eligible for the program significantly larger.
462:
In 1947, the WHL became an arm of the CMHC, transferring its 30,000 houses (called "wartimes") to the corporation to provide affordable housing for returning veterans.
787:
and resource conservation in home construction. Despite these advances, however, affordability remained a concern, particularly in the early 1990s as a result of the
716:, introducing the Winter Warmth Assistance Program in 1971, the first of its kind to provide funds to Indigenous People for urgent repairs to housing in rural areas.
465:
Also that year, CMHC took over the financially unsuccessful Housing Enterprises of Canada Ltd, which was formed by major Canadian insurance corporations as a limited
2461:
1259:
1188:
revealed his support for the development of a private mortgage securities market in Canada that would compete with the public securitization programs of the CMHC.
844:
17:
635:
2746:
1606:
2504:
Dionne, Georges; Harchaoui, Tarek M. (1 January 2003). "Banks' Capital, Securitization and Credit Risk: An Empirical Evidence for Canada". Rochester, NY.
2353:
1375:
Also as part of the $ 2 billion annual investment, CMHC provides funding to provinces and territories under the "Investment in Affordable Housing" (IAH).
444:
25 million (equivalent to $ 417,819,149 in 2023), and a reserve fund of $ 5 million ($ 83,563,830 in 2021) authorized to be accumulated from profits.
2938:
2476:
1168:
securitization market for mortgages in Canada. While many experts champion this government monopoly in Canadian mortgage securitization, citing the high
256:
120:
1098:
25-year term. With this equity stake the CMHC shares in any gains or losses to the value of the property, proportionate to its 5% or 10% equity stake.
1306:
891:
1278:
863:
675:
Not all of CMHC's "community urban renewal" projects have been received positively, however. Several moves by CMHC, including the development of an
354:
Evidently, rather than focus on low-income housing, the federal government instead initiated a post-war program between 1944 and 1945 that promoted
2953:
2909:"Canada: Twenty Years of Housing, CMHC 1946-1966, Habitat, Vol. 9, 1966. a publication of Central Mortgage and Housing Corporation, Ottawa, Canada"
2303:
2250:
981:
Northern & Inuit Housing – $ 177.7 million over two years starting in 2016 to address urgent housing needs in the North and Inuit communities.
1035:
was capped at 42% from the previous 44%. The move was highly criticized, with the CEO claiming "vested interests are strongest before they fall.
2144:
1065:, the Government announced the First-Time Homebuyers Incentive (FTHBI) program to help first-time homebuyers realize the goal of homeownership.
2081:
1285:
870:
2873:
2840:
2805:
2691:
2563:
2943:
2772:
1042:
In July 2021, the CMHC reversed the decision to tighten the lending criteria for mortgage insurance. The new CEO said it was a "mistake."
1016:
In 2020, CMHC announced it would be rebranding to better reflect its changing mandate. One name under consideration was "Housing Canada".
574:
In 1951, CMHC began implementing the first of many federal–provincial public housing projects with 140 subsidized rent-to-income units in
2426:
1292:
877:
225:
to help returning war veterans find housing, it has since seen its mandate expand to the mandate of improving access to housing overall.
1576:
971:$ 30 million to help federally administered providers maintain rent-geared-to-income for low-income households living in social housing.
959:
rent supplements and measures to foster safe and independent living which are expected to benefit more than 100,000 Canadian households;
719:
With preservation of historic neighbourhoods and downtown living also becoming a priority, in 1973, CMHC oversaw the transformation of
508:
469:
company that attempted to build and manage moderately priced rental accommodation with CMHC's approval for location, costs, and rents.
1054:, the Canadian government introduced the First-Time Home Buyer Incentive program (FTHBI). The program, run via the CMHC, is a form of
748:. The Canadian Housing Information Centre (CHIC), Canada's largest housing library, was also established that year. 1979 also saw the
1631:
1146:
This assists registered banks to be more liberal with lending policies, making it easier for residential buyers to obtain mortgages.
568:
1844:
1789:
1550:
1274:
923:
In 2001, CMHC introduced Canada Mortgage Bonds, aimed at ensuring the supply of low-cost mortgage funding and keeping interest low.
859:
1128:
The program is unaffiliated with the Home Buyer Plan, which allows buyers withdraw from their RRSP to increase their down payment.
795:
575:
480:
program for low-income families, with costs and subsidies shared 75% by the federal government and 25% by the respective province.
2195:
2328:
2933:
1749:
1496:
1101:
The program was initially introduced over a limited four-year term and was allocated $ 1.25 billion. However, the governing
1201:
CMHC facilitates the development and implementation of federal housing policy in Canada. This includes the examination of
329:
throughout Canada, and recommended a national, comprehensive, and planned housing program emphasizing low-rental housing.
2958:
2374:
1767:
2451:
325:
During that time, an Advisory Committee on Reconstruction study (aka the Curtis Report) described a tremendous need for
2948:
404:
Its founding purpose was to find and create housing for returning war veterans and their families, as well as to lead
2747:"The Week Ahead: CMHC's housing finance symposium, Whistler Blackcomb shareholders vote on Vail deal - Article - BNN"
2664:"The Bank of Canada is pushing a private mortgage-backed securities market — but is anybody buying? | Financial Post"
2039:
1325:
1299:
1173:
910:
884:
2593:
1712:
801:
In 1996, CMHC introduced "emili", an automated insurance underwriting system to reduce application approval times.
544:
During the 1950s, housing quality concerns were added to the task of providing for sufficient quantity of housing.
695:. Although the community was destroyed, the highway was never built after protests from neighbouring communities.
2637:
1359:
2 billion annually to help reduce the number of Canadians in housing need. This includes significant funding for
737:
From 1977 through 1988, CMHC administered the Canadian Home Insulation Program (CHIP) to encourage energy-saving
1413:
1263:
1118:
965:$ 89.9 million for the construction and renovation of over 3,000 shelter spaces for victims of family violence;
848:
769:
418:
1713:
Wartime Housing Limited, 1941-1947: An Overview and Evaluation of Canada’s First National Housing Corporation
1142:
1077:
583:
533:
409:
338:
209:
159:
2620:"Reducing Public Exposure To Housing Risk: Developing A Private Mortgage-Backed Securities Market In Canada"
2116:
587:
to allow chartered banks to enter the NHA lending field. CMHC introduced mortgage loan insurance, taking on
1062:
1051:
996:
951:
709:
307:
241:
205:
1933:
783:
The 1990s saw the development of "FlexHousing", barrier-free housing, and "Healthy Housing", a program of
734:
to a minimum level of health and safety and to improve the accessibility of housing for disabled persons.
2963:
1020:
794:
In 1991, CMHC created the Canadian Centre for Public-Private Partnerships in Housing, aimed at fostering
784:
680:
559:, where 42 acres (17 ha) were cleared to build the 1056-unit, low-rent housing development in 1950.
245:
1871:
927:
776:
765:
244:
acts as Canada's national housing agency. As such, it administers federal housing programs such as the
752:
area of Montreal being converted into one of Canada's most successful non-profit low-income projects.
1501:
283:
2908:
2546:
2225:
2089:
1917:
237:
development, and providing arms-length advice to the Government of Canada and the housing industry.
233:
The CMHC operates with a primary mandate of providing mortgage liquidity, assisting in establishing
1360:
560:
477:
398:
116:
2881:
2848:
2813:
2699:
2571:
1031:
was increased from 600 to 680, the gross debt service ratio was capped at 35% from 39%, and total
2278:"CMHC at a crossroads: Agency faces tough decisions after losing mortgage insurance market share"
1390:
1252:
1122:
1102:
1005:
837:
646:
529:
524:
319:
248:, acts as a mortgage insurer (primarily for high-leverage loans), and provides housing research.
2780:
1715:” (thesis). Retrospective Theses and Dissertations, 1919-2007. University of British Columbia.
371:
311:
222:
2169:
1436:
1389:
Through CMHC, the Government of Canada provides funding each year to address housing needs in
519:
CMHC's biggest challenges in establishing Ajax as a functioning municipality were reimbursing
397:
In December 1945, the Central Mortgage and Housing Corporation was incorporated by act of the
2533:
2525:
1584:
1169:
788:
749:
556:
379:
730:
In 1974, CMHC introduced the Residential Rehabilitation Assistance Program (RRAP) to repair
1352:
669:
473:
343:
252:
2057:"CMHC — Energy-efficient Housing Made More Affordable with Mortgage Loan Insurance | CMHC"
2056:
48:
8:
2251:"Head of Canada's Housing Agency: "Vested Interests Are Strongest Right Before The Fall""
1852:
1797:
1554:
1369:
1364:
1117:, leading to concerns regarding the efficacy of the program in these areas. During their
731:
631:
1068:
Under this program, a "first time home buyer" is anyone meeting the following criteria:
452:
2513:
2401:"Federal Government Makes it Easier for Middle Class Canadians to Buy their First Home"
2226:"Canada's mortgage insurer tightens rules as it forecasts home-price drop of up to 18%"
2021:
1177:
1153:
1032:
954:, the Government of Canada announced several initiatives that CMHC will be delivering:
612:
520:
456:
359:
326:
234:
1771:
2721:
2521:
2013:
1458:
600:
493:
405:
333:
215:
2517:
2505:
2005:
1972:
1908:
1886:
1716:
1407:
1214:
724:
2427:"6 things to know about Trudeau's First-Time Home Buyer Incentive - BNN Bloomberg"
2170:"CMHC to get name change to reflect changing focus away from just home ownership"
1607:"Governments of Canada and Ontario Support Affordable Housing in Central Ontario"
1202:
688:
650:
497:
441:
197:
1656:
1125:
promised to expand this program to better help buyers in Toronto and Vancouver.
813:
renamed CMHC International) to share Canada's housing resources with the world.
1210:
1206:
1181:
1137:
1055:
1000:
375:
355:
274:
488:
In the late 1940s, CMHC transformed an abandoned munitions factory complex in
2927:
2145:"Trudeau Liberals promise to expand first-time homebuyers program if elected"
2017:
1770:." Canada Mortgage and Housing Corporation. Ottawa. 1 March 1946. Monograph.
1462:
1450:
1185:
713:
588:
504:
489:
437:
279:
727:, a run-down industrial area, into a successful culture and tourism center.
1900:
1160:
There are nearly $ 500 billion worth of CMHC mortgage securities in force.
1028:
1024:
738:
661:
620:
616:
592:
507:
most of the farmland in what is now southern part of Ajax to establish the
387:
348:
2375:"Everything you need to know about CMHC's First-Time Home Buyer Incentive"
744:
In 1979, the Central Mortgage and Housing Corporation changed its name to
548:
2906:
2509:
332:
By the end of the war, the Government of Canada attempted to anticipate
2196:"CMHC Warns Canadians: "Support For Homeownership Cannot Be Unlimited""
1720:
1266: in this section. Unsourced material may be challenged and removed.
851: in this section. Unsourced material may be challenged and removed.
657:
448:
2354:"CMHC eases mortgage insurance rules, admits tightening was a mistake"
2025:
1993:
1977:
1960:
1912:
772:
countries as host of a study tour on housing, building, and planning.
1114:
1073:
720:
684:
408:. In broad terms, its three primary functions were to administer the
390:, and the continuing short supply of building materials and workers.
383:
2619:
1241:
826:
2456:
2304:"Sagen Overtakes CMHC as Canada's Largest Mortgage Default Insurer"
2009:
676:
639:
564:
466:
503:
Following the beginning of WWII in 1939, the Government of Canada
1339:
comparable to those offered to buyers with larger down payments.
1110:
665:
552:
100:
656:
Also that year, CMHC funded the design and development costs of
1901:
Assembling Victory: Defense Industries Limited, Ajax, 1941-1945
692:
287:
262:
CMHC is the largest crown corporation in terms of assets, with
174:
96:
2452:"Liberals promise to expand program for first-time homebuyers"
1657:"What Is the Canada Mortgage and Housing Corporation (CMHC)?"
1632:"What is CMHC? And what does it have to do with my mortgage?"
1058:
intended to help first-time buyers with their down payments.
1451:"Report Points to Steady Flying for Canada's Housing Market"
1368:
certain federally-funded housing units off-reserve, such as
1356:
1205:
trends and policy options for regulations, incentives, and
433:
113:
1750:
Housing a Nation: The Evolution of Canadian Housing Policy
1045:
1748:
Oberlander, H. Peter, and Arthur L. Fallick. 1992 June. "
1553:. Canada Mortgage and Housing Corporation. Archived from
768:
for promoting a better understanding among people of the
672:
and led to many advances in materials and construction.
2638:"Risk Sharing, Flexibility and the Future of Mortgages"
1998:
The Canadian Journal of Economics and Political Science
1363:. Ongoing subsidies are provided under 25- to 50-year
1140:
of residential mortgages, under the provisions of the
975:
during the earliest, most risky phases of development.
687:'s only Black neighborhood—led to the displacement of
595:, making home ownership more accessible to Canadians.
1109:
median property prices in population centers such as
310:
that built and managed thousands of rental units for
314:
workers and veterans. (Rural housing under the 1942
2308:
Mortgage Rates & Mortgage Broker News in Canada
1431:
1429:
603:if they wanted to borrow with small down payments.
257:
Minister of Housing, Infrastructure and Communities
121:
Minister of Housing, Infrastructure and Communities
298:In 1941, the Government of Canada established the
2907:Central Mortgage and Housing Corporation (1966).
1191:
567:, is another example. (For further examples, see
2925:
1958:
1875:. The Ajax Historical Board. ISBN 0-9699465-0-3.
1545:
1543:
1541:
1539:
1537:
1535:
1533:
1531:
1426:
942:designed to increase market housing on-reserve.
2503:
2046:. Government of Canada. Retrieved 2023 April 1.
1934:"The Second World War created Ajax. Here's how"
1905:Ontario History. The Ontario Historical Society
1529:
1527:
1525:
1523:
1521:
1519:
1517:
1515:
1513:
1511:
619:. As such, urban renewal programs to redevelop
615:and development to help cities deal with rapid
611:The 1960s marked CMHC's shift in focus towards
202:Société canadienne d'hypothèques et de logement
40:Société canadienne d'hypothèques et de logement
2038:National Housing Strategy. 2021 February 23. "
653:, marking CMHC's first international project.
440:companies. The capital of the CMHC was set at
2219:
2217:
1086:not owning any property anywhere in the world
1752:." Government of Canada. ISBN 0-88865-391-3.
1508:
266:in assets as of the second quarter of 2021.
38:
1505:. Historica Canada. Retrieved 1 April 2023.
810:Canada Mortgage and Housing Corporation Act
791:, layoffs, and socio-economic uncertainty.
154:Canada Mortgage and Housing Corporation Act
2939:Federal departments and agencies of Canada
2475:Agency, Canada Revenue (11 October 2005).
2223:
2214:
2117:"Canada's First-Time Home Buyer Incentive"
1439:. Canada Mortgage and Housing Corporation.
1231:
509:Defence Industries Limited Pickering Works
293:
47:
2424:
1976:
1326:Learn how and when to remove this message
1275:"Canada Mortgage and Housing Corporation"
911:Learn how and when to remove this message
860:"Canada Mortgage and Housing Corporation"
569:List of public housing projects in Canada
432:and providing discounting facilities for
2661:
2624:Arthur Kroeger College of Public Affairs
1768:Central Mortgage and Housing Corporation
1384:
388:rapidly increasing family formation rate
273:
85:Central Mortgage and Housing Corporation
18:Central Mortgage and Housing Corporation
2954:Government agencies established in 1946
1849:Canada Mortgage and Housing Corporation
1839:
1837:
1835:
1694:from the original on 14 September 2021.
1497:Canada Mortgage and Housing Corporation
1226:International Union For Housing Finance
1046:First-time home buyer incentive program
746:Canada Mortgage and Housing Corporation
190:Canada Mortgage and Housing Corporation
33:Canada Mortgage and Housing Corporation
14:
2926:
2477:"What is the Home Buyers' Plan (HBP)?"
2474:
2464:from the original on 24 December 2022.
2425:Bloomberg, B. N. N. (30 August 2019).
2275:
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2040:Rebuilding Vancouver’s Black Community
1991:
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1821:
1819:
1817:
1815:
1784:
1782:
1780:
1762:
1760:
1758:
1196:
1164:market for covered bonds more robust.
2868:
2866:
2835:
2833:
2831:
2800:
2798:
2686:
2684:
2558:
2556:
2499:
2497:
2301:
1931:
1744:
1742:
1740:
1738:
1736:
1734:
1732:
1730:
1728:
1707:
1705:
1703:
1701:
1346:
691:residents by 1970 after the area was
581:In 1954, the Government expanded the
218:by living conditions in the country.
2329:"CMHC Reviews Underwriting Criteria"
1890:. Oshawa: Alger. ISBN 9780969439707.
1491:
1489:
1487:
1485:
1483:
1481:
1479:
1264:adding citations to reliable sources
1235:
849:adding citations to reliable sources
820:
430:Home Improvement Loans Guarantee Act
2944:Canadian federal Crown corporations
2617:
2224:Saminather, Nichola (4 June 2020).
2134:
2104:
1858:
1812:
1777:
1755:
623:were funded throughout the decade.
401:, taking effect on 1 January 1946.
24:
2900:
2863:
2828:
2795:
2773:"Housing Finance Symposium | CMHC"
2681:
2553:
2494:
2276:Hughes, Stephanie (12 July 2021).
1961:"CMHC in Ajax, Ontario: 1948-1950"
1932:Kitts, Daniel (10 November 2015).
1725:
1698:
428:, it was also responsible for the
208:responsible for administering the
25:
2975:
1624:
1476:
1224:The CMHC is also a member of the
1174:Canadian Credit Union Association
1131:
649:abroad to construct 137 homes in
472:Toward the end of the 1940s, the
2806:"Mortgage Loan Insurance | CMHC"
2082:"CMHC 2015 Annual Report | CMHC"
1994:"The National Housing Act, 1954"
1916:
1495:McAfee, Ann. 2013 December 16. "
1240:
825:
764:In 1983, CMHC received the 1982
483:
27:Canadian national housing agency
2765:
2739:
2714:
2655:
2630:
2611:
2586:
2468:
2444:
2418:
2393:
2367:
2346:
2321:
2295:
2269:
2243:
2188:
2162:
2074:
2049:
2032:
1985:
1952:
1925:
1893:
1878:
1869:MacDonald, Archie, ed. (1995).
1251:needs additional citations for
836:needs additional citations for
668:in Montréal—which demonstrated
327:low and moderate income shelter
320:Department of Veterans' Affairs
2662:Zochodne, Geoff (9 May 2019).
1674:
1649:
1599:
1569:
1443:
1414:Rainwater harvesting in Canada
1192:Other programs and initiatives
770:Economic Commission for Europe
755:
630:In 1966, CMHC built the first
419:Wartime Prices and Trade Board
336:housing needs by revising the
214:, with the mandate to improve
13:
1:
2934:1946 establishments in Canada
2874:"First Nation Housing | CMHC"
1419:
476:created a federal-provincial
424:Along with administering the
221:Originally established after
137:Michel Tremblay (businessman)
2692:"Policy and Research | CMHC"
1887:Ajax, the War Years, 1939/45
532:in May 1950, making Ajax an
492:, into Canada's first fully
455:, becoming one of the first
365:
342:. In 1944, Finance Minister
7:
2841:"Affordable Housing | CMHC"
2302:Huebl, Steve (7 May 2021).
1401:
926:In 2002, CMHC received the
228:
10:
2980:
2959:Mortgage lenders of Canada
1437:"Our Management Committee"
928:Conference Board of Canada
796:public–private cooperation
777:Mortgage backed securities
766:United Nations Peace Medal
269:
246:first-time home buyer loan
139:, Acting President and CEO
2949:Companies based in Ottawa
2044:National Housing Strategy
1959:McGeachy, Robert (2006).
1845:History — CMHC Milestones
1502:The Canadian Encyclopedia
775:In 1986, CMHC introduced
406:Canada's housing programs
206:federal crown corporation
169:
146:
129:
106:
92:
75:
60:
55:
46:
37:
1790:"History of CMHC | CHMC"
1682:"CMHC Quarterly Reports"
1355:, invests approximately
1019:At the beginning of the
1011:
945:
816:
698:
606:
576:St. John's, Newfoundland
561:Habitations Jeanne-Mance
539:
459:developments in Canada.
447:In 1946, CMHC built the
399:19th Canadian Parliament
64:1 January 1946
2564:"Securitization | CMHC"
1577:"What CMHC Does | CMHC"
1351:CMHC, on behalf of the
1232:Mortgage loan insurance
1123:Liberal Party of Canada
660:—designed by architect
647:wood-frame construction
645:In 1967, CMHC exported
530:Ontario Municipal Board
300:Wartime Housing Limited
294:Wartime Housing Limited
2726:www.housingfinance.org
2594:"Annual Report | CMHC"
2541:Cite journal requires
1992:Poapst, J. V. (1956).
704:existing communities.
670:higher-density housing
290:
278:CMHC headquarters, at
201:
39:
2722:"IUHF - Who they are"
2460:. 13 September 2019.
1385:First Nations housing
1170:prudential regulation
1143:National Housing Act.
1119:2019 federal election
1083:at least 18 years old
798:in housing projects.
634:project in Canada in
557:urban renewal project
411:National Housing Act,
277:
1855:on 9 September 2014.
1457:. 18 December 2013.
1370:housing cooperatives
1365:operating agreements
1353:Government of Canada
1260:improve this article
1136:The CMHC engages in
845:improve this article
806:National Housing Act
584:National Housing Act
534:improvement district
498:industrial community
474:Government of Canada
426:National Housing Act
344:James Lorimer Ilsley
339:National Housing Act
211:National Housing Act
204:, SCHL) is Canada's
160:National Housing Act
107:Minister responsible
82:Wartime Housing Ltd.
76:Superseding agencies
2753:. 30 September 2016
2642:www.bankofcanada.ca
2598:www.cmhc-schl.gc.ca
2510:10.2139/ssrn.369501
2405:www.cmhc-schl.gc.ca
2333:www.cmhc-schl.gc.ca
2176:. 18 September 2020
2121:www.cmhc-schl.gc.ca
1899:Tubb, Lisa. 2019. "
1800:on 9 September 2014
1711:Wade, Jill. 1984. “
1587:on 9 September 2017
1557:on 9 September 2014
1455:Wall Street Journal
1197:Policy and research
1063:2019 federal budget
1052:2019 federal budget
997:2019 federal budget
952:2016 federal budget
632:cooperative housing
386:from overseas, the
351:on 15 August 1944.
34:
2964:Housing ministries
2884:on 20 October 2016
2851:on 20 October 2016
2816:on 20 October 2016
2783:on 18 October 2017
2702:on 20 October 2016
2574:on 20 October 2016
2092:on 20 October 2016
1884:Smith, Ken. 1989.
1872:A Town Called Ajax
1721:10.14288/1.0096317
1347:Affordable housing
1178:Winnipeg, Manitoba
1078:permanent resident
1033:debt service ratio
1023:in 2020, then-CEO
613:municipal planning
601:insurance premiums
599:would have to pay
521:Pickering Township
496:, self-sustaining
457:subsidized housing
360:private enterprise
318:remained with the
316:Veterans' Land Act
291:
235:affordable housing
32:
2618:Moloney, Kieran.
1978:10.7202/1065826ar
1913:10.7202/1059963ar
1551:"History of CMHC"
1410:– managed by CMHC
1336:
1335:
1328:
1310:
1215:secondary markets
1039:default insurer.
1021:COVID-19 pandemic
921:
920:
913:
895:
789:ongoing recession
785:energy efficiency
732:substandard homes
308:crown corporation
242:crown corporation
187:
186:
16:(Redirected from
2971:
2920:
2894:
2893:
2891:
2889:
2880:. Archived from
2870:
2861:
2860:
2858:
2856:
2847:. Archived from
2837:
2826:
2825:
2823:
2821:
2812:. Archived from
2802:
2793:
2792:
2790:
2788:
2779:. Archived from
2769:
2763:
2762:
2760:
2758:
2743:
2737:
2736:
2734:
2732:
2718:
2712:
2711:
2709:
2707:
2698:. Archived from
2688:
2679:
2678:
2676:
2674:
2659:
2653:
2652:
2650:
2648:
2634:
2628:
2627:
2615:
2609:
2608:
2606:
2604:
2590:
2584:
2583:
2581:
2579:
2570:. Archived from
2560:
2551:
2550:
2544:
2539:
2537:
2529:
2501:
2492:
2491:
2489:
2487:
2472:
2466:
2465:
2448:
2442:
2441:
2439:
2437:
2422:
2416:
2415:
2413:
2411:
2397:
2391:
2390:
2388:
2386:
2371:
2365:
2364:
2362:
2360:
2350:
2344:
2343:
2341:
2339:
2325:
2319:
2318:
2316:
2314:
2299:
2293:
2292:
2290:
2288:
2273:
2267:
2266:
2264:
2262:
2257:. 17 August 2020
2247:
2241:
2240:
2238:
2236:
2221:
2212:
2211:
2209:
2207:
2192:
2186:
2185:
2183:
2181:
2166:
2160:
2159:
2157:
2155:
2141:
2132:
2131:
2129:
2127:
2113:
2102:
2101:
2099:
2097:
2088:. Archived from
2078:
2072:
2071:
2069:
2067:
2053:
2047:
2036:
2030:
2029:
1989:
1983:
1982:
1980:
1956:
1950:
1949:
1947:
1945:
1929:
1923:
1921:
1920:
1897:
1891:
1882:
1876:
1867:
1856:
1851:. Archived from
1841:
1810:
1809:
1807:
1805:
1796:. Archived from
1786:
1775:
1764:
1753:
1746:
1723:
1709:
1696:
1695:
1693:
1686:
1678:
1672:
1671:
1669:
1667:
1653:
1647:
1646:
1644:
1642:
1628:
1622:
1621:
1619:
1617:
1603:
1597:
1596:
1594:
1592:
1583:. Archived from
1573:
1567:
1566:
1564:
1562:
1547:
1506:
1493:
1474:
1473:
1471:
1469:
1447:
1441:
1440:
1433:
1408:Granville Island
1331:
1324:
1320:
1317:
1311:
1309:
1268:
1244:
1236:
916:
909:
905:
902:
896:
894:
853:
829:
821:
725:Granville Island
565:Montreal, Quebec
555:, was the first
553:Toronto, Ontario
453:Montréal, Quebec
382:, the influx of
284:Aviation Parkway
265:
183:
180:
178:
176:
130:Agency executive
71:
69:
51:
42:
35:
31:
21:
2979:
2978:
2974:
2973:
2972:
2970:
2969:
2968:
2924:
2923:
2903:
2901:Further reading
2898:
2897:
2887:
2885:
2872:
2871:
2864:
2854:
2852:
2839:
2838:
2829:
2819:
2817:
2804:
2803:
2796:
2786:
2784:
2771:
2770:
2766:
2756:
2754:
2745:
2744:
2740:
2730:
2728:
2720:
2719:
2715:
2705:
2703:
2690:
2689:
2682:
2672:
2670:
2660:
2656:
2646:
2644:
2636:
2635:
2631:
2616:
2612:
2602:
2600:
2592:
2591:
2587:
2577:
2575:
2562:
2561:
2554:
2542:
2540:
2531:
2530:
2502:
2495:
2485:
2483:
2473:
2469:
2450:
2449:
2445:
2435:
2433:
2423:
2419:
2409:
2407:
2399:
2398:
2394:
2384:
2382:
2373:
2372:
2368:
2358:
2356:
2352:
2351:
2347:
2337:
2335:
2327:
2326:
2322:
2312:
2310:
2300:
2296:
2286:
2284:
2274:
2270:
2260:
2258:
2255:Better Dwelling
2249:
2248:
2244:
2234:
2232:
2222:
2215:
2205:
2203:
2200:Better Dwelling
2194:
2193:
2189:
2179:
2177:
2168:
2167:
2163:
2153:
2151:
2143:
2142:
2135:
2125:
2123:
2115:
2114:
2105:
2095:
2093:
2080:
2079:
2075:
2065:
2063:
2055:
2054:
2050:
2037:
2033:
1990:
1986:
1965:Ontario History
1957:
1953:
1943:
1941:
1930:
1926:
1915:
1898:
1894:
1883:
1879:
1868:
1859:
1842:
1813:
1803:
1801:
1788:
1787:
1778:
1765:
1756:
1747:
1726:
1710:
1699:
1691:
1684:
1680:
1679:
1675:
1665:
1663:
1655:
1654:
1650:
1640:
1638:
1630:
1629:
1625:
1615:
1613:
1611:news.ontario.ca
1605:
1604:
1600:
1590:
1588:
1575:
1574:
1570:
1560:
1558:
1549:
1548:
1509:
1494:
1477:
1467:
1465:
1449:
1448:
1444:
1435:
1434:
1427:
1422:
1404:
1387:
1349:
1332:
1321:
1315:
1312:
1269:
1267:
1257:
1245:
1234:
1203:housing finance
1199:
1194:
1134:
1048:
1014:
950:As part of the
948:
917:
906:
900:
897:
854:
852:
842:
830:
819:
758:
701:
651:Harlow, England
609:
542:
486:
368:
296:
272:
264:CA$ 295 billion
263:
231:
173:
165:
142:
125:
88:
67:
65:
56:Agency overview
28:
23:
22:
15:
12:
11:
5:
2977:
2967:
2966:
2961:
2956:
2951:
2946:
2941:
2936:
2922:
2921:
2902:
2899:
2896:
2895:
2862:
2827:
2794:
2764:
2738:
2713:
2680:
2668:Financial Post
2654:
2629:
2610:
2585:
2552:
2543:|journal=
2493:
2467:
2443:
2417:
2392:
2381:. 17 June 2019
2366:
2345:
2320:
2294:
2282:Financial Post
2268:
2242:
2213:
2187:
2161:
2133:
2103:
2073:
2048:
2031:
2010:10.2307/138180
2004:(2): 234–243.
1984:
1971:(2): 209–224.
1951:
1924:
1892:
1877:
1857:
1811:
1776:
1772:Permanent link
1754:
1724:
1697:
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1424:
1423:
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1383:
1361:social housing
1348:
1345:
1334:
1333:
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1233:
1230:
1207:securitization
1198:
1195:
1193:
1190:
1182:Bank of Canada
1138:securitization
1133:
1132:Securitization
1130:
1121:campaign, the
1088:
1087:
1084:
1081:
1056:equity sharing
1047:
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1010:
993:
992:
989:
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697:
689:Black Canadian
608:
605:
589:mortgage risks
541:
538:
525:Ontario County
485:
482:
478:public housing
376:demobilization
370:By the end of
367:
364:
356:home ownership
295:
292:
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2519:
2515:
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2500:
2498:
2482:
2481:www.canada.ca
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2218:
2202:. 20 May 2020
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2015:
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2007:
2003:
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1988:
1979:
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1970:
1966:
1962:
1955:
1939:
1935:
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1914:
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1907:111(1):1–18.
1906:
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1391:First Nations
1382:
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1280:
1277: –
1276:
1272:
1271:Find sources:
1265:
1261:
1255:
1254:
1249:This section
1247:
1243:
1238:
1237:
1229:
1227:
1222:
1218:
1216:
1212:
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591:with a 25%
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117:Sean Fraser
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