Self-building

Our caisse can finance up to 80% of your project costs, including the land purchase price—meaning that your down payment amounts to 20% of the total project cost.

That 20% can come from a variety of sources: personal savings, a fully paid lot or partial equity in one, capital gains from a recently sold property, equity drawn from an existing property, or even a skills contribution (up to 10% of the cost)—that is, labour you can provide yourself without incurring any costs.

Bottom line: your down payment does not have to be all cash!

When building a home, it is essential to plan for all costs as thoroughly as possible, for each stage of your project, in the order in which the work will be carried out.

You must carefully calculate both direct costs (building materials and labour) and indirect costs (permits, appraisal fees, certificates of location, notary or lawyer fees) to accurately determine your financing needs. To help you get started, we will provide a budget template you can use to estimate your construction costs.