Self-building

Your self-build project is assessed by a certified appraiser appointed by the caisse.

The caisse works with you to determine your financing amount, to update your file, and to review your financing request.

Following approval of your file by the caisse, the documents are sent to the notary for you to sign.

The notary forwards the preliminary disbursement notice to us, requesting the amount due for the land purchase—or nothing if the land is already yours.

Once construction is ready to begin and you have submitted the building permit and construction site insurance, members who own their land outright will receive 100% of its value if it is debt-free*.

Your down payment must be applied first and deposited into your caisse account before the notary receives their instructions.

When your financial reserve is nearly depleted, all you need to do is reach out to your advisor to initiate the disbursements.

An appraiser is brought in to evaluate how the work is progressing, and upon receiving the progress report, we release funds gradually as work is completed.

When construction wraps up, the certified appraiser conducts a final inspection and submits their report to us. A 35-day waiting period must then pass before the last disbursement is released and the file is finalized*.

If the certificate of location is already available, now is the time to forward it to the notary.

*The self-build procedures and rates described are subject to change without prior notice. Please reach out to your advisor with any questions.

*The procedures and rates described are subject to change without prior notice.