feat(hypothèque): moteur de taux hypothécaires canadien natif — 12 connecteurs bancaires (RBC, TD, BMO, CIBC, Scotia, BNC, Desjardins, Tangerine, EQ, First National, MCAP, BdC), historisation par périodes de validité, validation anti-aberration, API /api/mortgage/* (best/history/providers/calculate/affordability), calculateur norme canadienne (composition semestrielle, SCHL+TVQ, stress test), section « Financer cette propriété » sur les fiches vente, page /taux-hypothecaires (SEO+sitemap), 61 tests unitaires sur fixtures · f59b6bc · immo-ka

feat(hypothèque): moteur de taux hypothécaires canadien natif — 12 connecteurs bancaires (RBC, TD, BMO, CIBC, Scotia, BNC, Desjardins, Tangerine, EQ, First National, MCAP, BdC), historisation par périodes de validité, validation anti-aberration, API /api/mortgage/* (best/history/providers/calculate/affordability), calculateur norme canadienne (composition semestrielle, SCHL+TVQ, stress test), section « Financer cette propriété » sur les fiches vente, page /taux-hypothecaires (SEO+sitemap), 61 tests unitaires sur fixtures

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

Simon-Pierre Boucher committed 1 mo ago (Aug 24, 2026) parent 2b11439

46 changed files +19,906 −2

added .env.example +27 −0

		`@@ -0,0 +1,27 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — variables d'environnement (modèle ; copier vers .env, NE PAS COMMITTER .env)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# -----------------------------------------------------------------------------
	5	+
	6	+# --- Général ------------------------------------------------------------------
	7	+IMMOKA_BASE_URL=https://www.immo-ka.com
	8	+
	9	+# --- Connecteurs immobiliers (scraping) ----------------------------------------
	10	+FIRECRAWL_API_KEY=
	11	+SCRAPFLY_KEY= # anti-bot — aussi utilisé par les providers de taux (dernier recours)
	12	+HQ_CAPTCHA_KEY=
	13	+HQ_CAPTCHA_PROVIDER=
	14	+
	15	+# --- Compte KA (SSO groupe-ka.com) ---------------------------------------------
	16	+KA_SSO_SECRET=
	17	+KA_HUB_URL=
	18	+AUTH_SECRET=
	19	+
	20	+# --- Vrai-Prix -----------------------------------------------------------------
	21	+VRAIPRIX_DB=
	22	+
	23	+# --- Moteur hypothécaire (immoka/mortgage) ---------------------------------------
	24	+# Aucun taux n'est jamais inventé : ces variables ne règlent que la collecte.
	25	+IMMOKA_MORTGAGE_INTERVAL_MIN=180 # fréquence de collecte (minutes) — watch/maybe_run
	26	+IMMOKA_MORTGAGE_RETRIES=3 # tentatives par provider avant échec
	27	+IMMOKA_MORTGAGE_BACKOFF=5 # backoff exponentiel de base (secondes)

modified .gitignore +1 −0

		`@@ -19,3 +19,4 @@ data/transit.db`
19	19	data/commerces.db
20	20	data/hydro.db
21	21	data/rdl.db
	22	+data/mortgage.db

added docs/mortgage-engine.md +163 −0

		`@@ -0,0 +1,163 @@`
	1	+# Moteur hypothécaire Immo-Ka (Mortgage Intelligence Engine)
	2	+
	3	+Moteur natif de collecte, d'historisation et de calcul des taux hypothécaires
	4	+canadiens, intégré au backend FastAPI d'Immo-Ka. **Aucun taux n'est jamais
	5	+inventé, codé en dur ni estimé** : tout taux affiché provient d'une page
	6	+officielle d'une institution financière, avec provenance (URL source) et
	7	+fraîcheur (horodatage de collecte).
	8	+
	9	+## Architecture
	10	+
	11	+```
	12	+immoka/mortgage/
	13	+├── providers/ # 1 connecteur indépendant par institution (12)
	14	+│ ├── base.py # RateProvider : fetch() → produits normalisés
	15	+│ └── README.md # comment ajouter une banque
	16	+├── validate.py # garde-fous anti-aberration (419 % ≠ 4,19 %…)
	17	+├── store.py # SQLite annexe data/mortgage.db — historisation
	18	+├── scheduler.py # orchestration : retries, backoff, santé, isolation
	19	+├── calc.py # mathématiques hypothécaires canadiennes
	20	+├── cmhc.py # assurance prêt (SCHL) + taxe de vente QC
	21	+└── api.py # routes /api/mortgage/* (montées dans web.py)
	22	+```
	23	+
	24	+Le flux : `provider.fetch()` → `validate_batch()` → `store.record_observations()`.
	25	+Les providers ne touchent jamais la base ; le calculateur ne touche jamais les
	26	+scrapers — seule l'API interne les relie.
	27	+
	28	+## Institutions couvertes (12 connecteurs)
	29	+
	30	+\| slug \| Institution \| Type de source \|
	31	+\|---\|---\|---\|
	32	+\| `bank_of_canada` \| Banque du Canada \| Valet API (JSON officiel) — taux de référence \|
	33	+\| `bmo` \| BMO \| JSON embarqué \|
	34	+\| `cibc` \| CIBC \| JSON \|
	35	+\| `desjardins` \| Desjardins \| HTML \|
	36	+\| `eq_bank` \| Banque EQ \| HTML \|
	37	+\| `first_national` \| First National \| HTML \|
	38	+\| `mcap` \| MCAP \| HTML (taux préférentiel) \|
	39	+\| `national_bank` \| Banque Nationale \| HTML \|
	40	+\| `rbc` \| RBC \| JSON \|
	41	+\| `scotiabank` \| Banque Scotia \| JSON (posted + promos) \|
	42	+\| `tangerine` \| Tangerine \| JSON \|
	43	+\| `td` \| TD Canada Trust \| JSON \|
	44	+
	45	+Chaque produit est normalisé par `RateProvider.make_product()` :
	46	+`provider, institution, product_name, rate_type (fixed\|variable\|other),
	47	+term_months, kind (posted\|special), rate, apr, insured_status
	48	+(insured\|insurable\|uninsured\|unknown), purpose (purchase\|renewal\|refinance\|unknown),
	49	+amortization_max_years, conditions, source_url, confidence, raw`.
	50	+
	51	+Les taux préférentiels/prime sont stockés en `rate_type="other"` +
	52	+`purpose="unknown"` : ils ne peuvent jamais contaminer un classement
	53	+« meilleur taux d'achat ».
	54	+
	55	+## Validation (validate.py)
	56	+
	57	+Rejette avant enregistrement :
	58	+- taux hors bornes plausibles (0,5 %–24 %) — attrape `4.19 → 419` ;
	59	+- champs requis manquants, enums invalides, termes hors 3–120 mois ;
	60	+- APR incohérent (APR < taux − 0,02 pt) ou aberrant ;
	61	+- doublons exacts dans un même lot (silencieusement dédupliqués).
	62	+
	63	+Un lot partiellement invalide n'est pas jeté : les produits sains sont
	64	+enregistrés, les problèmes journalisés.
	65	+
	66	+## Historisation (store.py — data/mortgage.db, WAL)
	67	+
	68	+- `rate_observations` : périodes de validité (`valid_from`/`valid_to`,
	69	+ `is_current`). Taux inchangé → simple mise à jour de `last_checked` ;
	70	+ taux changé → clôture de la période + nouvelle ligne. Un saut > 2,5 pts en
	71	+ < 48 h est rejeté sans écraser la donnée existante (garde anti-aberration
	72	+ au niveau BD).
	73	+- `provider_runs` : journal de chaque collecte (statut, durée, produits,
	74	+ changements, rejets) → santé OK / WARNING (> 24 h) / ERROR.
	75	+- `product_key` : sha1 tronqué de
	76	+ `provider\|rate_type\|term\|kind\|insured\|purpose\|name` — identité stable d'un
	77	+ produit à travers le temps.
	78	+
	79	+En cas de panne d'une source, les derniers taux valides restent servis,
	80	+avec leur âge affiché (mention « stale » au-delà de 24 h).
	81	+
	82	+## Collecte (scheduler.py)
	83	+
	84	+- `run_provider(slug)` : retries (défaut 3) avec backoff exponentiel ;
	85	+ une exception d'un provider n'affecte jamais les autres.
	86	+- `run()` : séquentiel et poli (`request_delay` par provider — jamais de
	87	+ martèlement des sites bancaires).
	88	+- `watch(min)` : boucle autonome ; `maybe_run()` est appelé depuis la boucle
	89	+ d'ingestion existante (process PM2 `immo-ka-sync`) et ne collecte que si
	90	+ la dernière passe date de plus de `IMMOKA_MORTGAGE_INTERVAL_MIN` minutes
	91	+ (défaut 180).
	92	+
	93	+CLI :
	94	+
	95	+```bash
	96	+python run.py mortgage-sync [slug…] # collecte (toutes ou certaines banques)
	97	+python run.py mortgage-watch [min] # boucle autonome
	98	+python run.py mortgage-status # santé des providers
	99	+```
	100	+
	101	+Variables d'environnement (voir `.env.example`) :
	102	+`IMMOKA_MORTGAGE_INTERVAL_MIN`, `IMMOKA_MORTGAGE_RETRIES`,
	103	+`IMMOKA_MORTGAGE_BACKOFF`, `SCRAPFLY_KEY` (anti-bot, dernier recours).
	104	+
	105	+## Calculateur canadien (calc.py + cmhc.py)
	106	+
	107	+- Composition semestrielle pour les taux fixes (norme légale canadienne) :
	108	+ taux périodique = `(1 + r/2)^(2/f) − 1`. Valeur étalon vérifiée par test :
	109	+ 100 000 $ à 6 % sur 25 ans = 639,81 $/mois (≠ 644,30 $ en composition
	110	+ mensuelle américaine — testé aussi, pour prouver qu'on n'utilise pas la
	111	+ mauvaise formule). Taux variables : composition mensuelle.
	112	+- 6 fréquences : mensuelle, bimensuelle, aux 2 semaines, hebdomadaire,
	113	+ accélérée aux 2 semaines (mensualité ÷ 2), accélérée hebdo (÷ 4).
	114	+- Test de résistance fédéral : qualification à `max(taux + 2, 5,25 %)`.
	115	+- SCHL (cmhc.py) : mise de fonds légale minimale (5 % / 10 % / 20 %),
	116	+ primes par tranche RPV (0,60 % → 4,00 %), surprime +0,20 % amortissement
	117	+ 30 ans (premier acheteur), plafond assurable 1,5 M$, **TVQ 9,975 % sur la
	118	+ prime payable comptant** (spécificité québécoise) — la prime s'ajoute au
	119	+ prêt, la taxe non.
	120	+- Tableau d'amortissement, résumé de terme (solde au renouvellement),
	121	+ scénarios de renouvellement (+0/+1/+2/+3 pts), ratios ABD/ATD informatifs,
	122	+ inverses (prêt max pour un versement, taux requis).
	123	+
	124	+## API interne (`/api/mortgage/*`)
	125	+
	126	+\| Route \| Rôle \|
	127	+\|---\|---\|
	128	+\| `GET /rates` \| taux courants filtrables (type, terme, kind, provider…) \|
	129	+\| `GET /rates/best` \| meilleur taux comparable + classement par institution \|
	130	+\| `GET /rates/history` \| périodes de validité (historique réel, jamais extrapolé) \|
	131	+\| `GET /providers` \| santé des sources (OK/WARNING/ERROR, âge, produits) \|
	132	+\| `GET /market` \| vue marché (meilleur/médiane/variations 7-30 j) \|
	133	+\| `GET /intelligence` \| market + taux préférentiels (page /taux-hypothecaires) \|
	134	+\| `POST /calculate` \| calcul complet (SCHL, stress, terme, renouvellement…) \|
	135	+\| `POST /affordability` \| capacité d'emprunt (ABD/ATD + stress test) \|
	136	+
	137	+Règle absolue : jamais de comparaison de produits incomparables — affiché
	138	+vs offre spéciale, assuré vs non assuré — sans l'indiquer. Le comparateur ne
	139	+garde qu'un produit comparable par institution (l'offre spéciale prime).
	140	+
	141	+## Frontend
	142	+
	143	+- Fiche propriété (`Financement.tsx`, section « Financer cette propriété »,
	144	+ ventes seulement) : prix prérempli, mise de fonds $/% synchronisée,
	145	+ versement + taux utilisé avec provenance/fraîcheur, SCHL détaillée,
	146	+ coût réel mensuel (+ taxes municipales/scolaires de la fiche), stress test,
	147	+ renouvellement, comparateur banques, historique SVG, amortissement.
	148	+- Page `/taux-hypothecaires` (`Taux.tsx`) : vue marché cliquable,
	149	+ comparateur par institution (nature + fraîcheur + source officielle),
	150	+ historique, santé des sources. Référencée (seo.py + sitemap).
	151	+
	152	+## Tests
	153	+
	154	+```bash
	155	+PYTHONPATH=. .venv/bin/python -P -m unittest discover -s tests
	156	+```
	157	+
	158	+61 tests : `test_mortgage_calc.py` (valeurs étalons, fréquences accélérées,
	159	+inverses, stress), `test_mortgage_cmhc.py` (primes, TVQ, éligibilité),
	160	+`test_mortgage_validate.py` (anti-aberration), `test_mortgage_store.py`
	161	+(historisation, garde 2,5 pts, meilleur taux), `test_mortgage_providers.py`
	162	+(chaque parseur sur fixtures HTML/JSON committées dans
	163	+`tests/fixtures/mortgage/` — aucun réseau).

modified frontend/src/App.tsx +6 −0

		`@@ -18,6 +18,7 @@ import ListingPage from "./pages/Listing";`
18	18	import ProfilPage from "./pages/Profil";
19	19	import SourcesPage from "./pages/Sources";
20	20	import StatsPage from "./pages/Stats";
	21	+import TauxPage from "./pages/Taux";
21	22
22	23	function Ticker() {
23	24	const [items, setItems] = useState<string[]>([]);
		`@@ -53,6 +54,7 @@ function Ticker() {`
53	54	const NAV_LINKS = [
54	55	{ to: "/", label: "Propriétés", icon: "home", end: true },
55	56	{ to: "/?view=carte", label: "Carte", icon: "map", end: false, force: true },
	57	+ { to: "/taux-hypothecaires", label: "Taux hypothécaires", icon: "trendup", end: false },
56	58	{ to: "/stats", label: "Stats", icon: "chart", end: false },
57	59	{ to: "/agences", label: "Agences", icon: "building", end: false },
58	60	{ to: "/contact", label: "Contact", icon: "arrow", end: false },
		`@@ -146,6 +148,9 @@ function Header() {`
146	148	<NavLink to="/" end className={({ isActive }) => (isActive ? "active" : "")}>
147	149	Propriétés
148	150	</NavLink>
	151	+ <NavLink to="/taux-hypothecaires" className={({ isActive }) => (isActive ? "active" : "")}>
	152	+ Taux
	153	+ </NavLink>
149	154	<NavLink to="/stats" className={({ isActive }) => (isActive ? "active" : "")}>
150	155	Stats
151	156	</NavLink>
		`@@ -219,6 +224,7 @@ export default function App() {`
219	224	sans cette route, tout lien direct/partagé tombait sur la page 404 */}
220	225	<Route path="/propriete/:uid/:slug" element={<ListingPage />} />
221	226	<Route path="/stats" element={<StatsPage />} />
	227	+ <Route path="/taux-hypothecaires" element={<TauxPage />} />
222	228	<Route path="/agences" element={<SourcesPage />} />
223	229	<Route path="/contact" element={<ContactPage />} />
224	230	<Route path="/profil" element={<ProfilPage />} />

modified frontend/src/api.ts +163 −0

		`@@ -305,6 +305,169 @@ export async function toggleFavorite(on: boolean, item: FavItem) {`
305	305	return (await res.json()) as { ok: boolean; on: boolean };
306	306	}
307	307
	308	+// -----------------------------------------------------------------------------
	309	+// Taux hypothécaires (immoka/mortgage) — taux réels observés chez les banques
	310	+// -----------------------------------------------------------------------------
	311	+export interface MortgageRate {
	312	+ provider: string;
	313	+ institution: string;
	314	+ product_key: string;
	315	+ product_name: string \| null;
	316	+ rate_type: "fixed" \| "variable" \| "adjustable" \| "other";
	317	+ term_months: number;
	318	+ kind: "posted" \| "special";
	319	+ rate: number;
	320	+ apr: number \| null;
	321	+ insured_status: "insured" \| "insurable" \| "uninsured" \| "unknown";
	322	+ purpose: string;
	323	+ conditions: string \| null;
	324	+ source_url: string \| null;
	325	+ last_checked: number;
	326	+ age_minutes: number;
	327	+ stale: boolean;
	328	+}
	329	+
	330	+export interface MortgageBest extends MortgageRate {
	331	+ median_rate: number \| null;
	332	+ institutions_count: number;
	333	+ per_institution: MortgageRate[];
	334	+}
	335	+
	336	+export interface MortgageMarket {
	337	+ rate_type: string;
	338	+ term_months: number;
	339	+ best: number;
	340	+ best_provider: string;
	341	+ best_institution: string;
	342	+ best_kind: string;
	343	+ median: number \| null;
	344	+ spread: number \| null;
	345	+ institutions_count: number;
	346	+ var_7d: number \| null;
	347	+ var_30d: number \| null;
	348	+ var_90d: number \| null;
	349	+ lowest_6m: number \| null;
	350	+}
	351	+
	352	+export interface MortgageIntelligence {
	353	+ products: MortgageMarket[];
	354	+ prime_rates: { institution: string; rate: number; product_name: string;
	355	+ age_minutes: number }[];
	356	+}
	357	+
	358	+export interface MortgageHistoryRow {
	359	+ provider: string; institution: string; product_name: string \| null;
	360	+ kind: string; rate: number; insured_status: string;
	361	+ valid_from: number; valid_to: number \| null; last_checked: number;
	362	+ source_url: string \| null;
	363	+}
	364	+
	365	+export interface MortgageProviderHealth {
	366	+ provider: string; institution: string; source_url: string \| null;
	367	+ level: "OK" \| "WARNING" \| "ERROR"; status: string \| null;
	368	+ age_minutes: number; current_products: number; last_data_at: number \| null;
	369	+}
	370	+
	371	+export interface MortgageRateSource {
	372	+ provider: string; institution: string; product_name: string \| null;
	373	+ kind: string; rate: number; apr?: number \| null; insured_status?: string;
	374	+ source_url: string \| null; last_checked?: number;
	375	+ age_minutes: number; stale: boolean;
	376	+}
	377	+
	378	+export interface MortgageInsurance {
	379	+ required: boolean; eligible: boolean; premium: number; premium_rate: number;
	380	+ loan_before: number; total_mortgage: number; qc_tax: number;
	381	+ ltv: number \| null; issues: string[];
	382	+}
	383	+
	384	+export interface MortgageCalc {
	385	+ inputs: {
	386	+ price: number; down_payment: number; down_payment_pct: number;
	387	+ rate: number; rate_type: string; term_months: number;
	388	+ amortization_years: number; frequency: string; compounding: string;
	389	+ };
	390	+ insurance: MortgageInsurance;
	391	+ principal: number;
	392	+ payment: number;
	393	+ payment_monthly_equivalent: number;
	394	+ qualifying: { rate: number; payment: number; note: string };
	395	+ term: {
	396	+ payment: number; frequency: string; payments_per_year: number;
	397	+ payments_in_term: number; annual_cost: number; principal_paid: number;
	398	+ interest_paid: number; balance_end_of_term: number; paid_off: boolean;
	399	+ };
	400	+ stress: { bump: number; rate: number; payment: number }[];
	401	+ renewal: {
	402	+ balance_at_renewal: number; remaining_amortization_years: number;
	403	+ scenarios: { bump: number; rate: number; payment: number }[];
	404	+ };
	405	+ payoff_years: number;
	406	+ rate_source: MortgageRateSource \| null;
	407	+ annual: { year: number; payment: number; interest: number;
	408	+ principal: number; balance: number }[];
	409	+ ratios?: { gds: number \| null; tds: number \| null;
	410	+ gds_ok: boolean \| null; tds_ok: boolean \| null };
	411	+}
	412	+
	413	+export interface MortgageCalcInput {
	414	+ price: number;
	415	+ down_payment?: number;
	416	+ down_payment_pct?: number;
	417	+ amortization_years?: number;
	418	+ term_months?: number;
	419	+ frequency?: string;
	420	+ rate_type?: "fixed" \| "variable";
	421	+ rate?: number;
	422	+ income?: number;
	423	+ property_tax_monthly?: number;
	424	+ heating_monthly?: number;
	425	+ condo_fees_monthly?: number;
	426	+ other_debts_monthly?: number;
	427	+}
	428	+
	429	+async function post<T>(path: string, body: unknown): Promise<T> {
	430	+ const ctrl = new AbortController();
	431	+ const timer = setTimeout(() => ctrl.abort(), 25000);
	432	+ try {
	433	+ const res = await fetch(path, {
	434	+ method: "POST",
	435	+ headers: { "Content-Type": "application/json" },
	436	+ body: JSON.stringify(body),
	437	+ signal: ctrl.signal,
	438	+ });
	439	+ if (!res.ok) throw new Error(`API ${res.status} — ${path}`);
	440	+ return (await res.json()) as T;
	441	+ } finally {
	442	+ clearTimeout(timer);
	443	+ }
	444	+}
	445	+
	446	+export const fetchMortgageIntelligence = () =>
	447	+ get<MortgageIntelligence>("/api/mortgage/intelligence");
	448	+
	449	+export const fetchMortgageBest = (rateType: string, termMonths: number) =>
	450	+ get<MortgageBest>(
	451	+ `/api/mortgage/rates/best?rate_type=${rateType}&term_months=${termMonths}`);
	452	+
	453	+export const fetchMortgageHistory = (
	454	+ rateType: string, termMonths: number, days = 365, kind?: string,
	455	+) =>
	456	+ get<{ count: number; days: number; history: MortgageHistoryRow[] }>(
	457	+ `/api/mortgage/rates/history?rate_type=${rateType}` +
	458	+ `&term_months=${termMonths}&days=${days}${kind ? `&kind=${kind}` : ""}`);
	459	+
	460	+export const fetchMortgageProviders = () =>
	461	+ get<{ providers: MortgageProviderHealth[]; registered: string[] }>(
	462	+ "/api/mortgage/providers");
	463	+
	464	+export const calculateMortgage = (input: MortgageCalcInput) =>
	465	+ post<MortgageCalc>("/api/mortgage/calculate", input);
	466	+
	467	+/** 4.19 -> « 4,19 % » */
	468	+export const fmtRate = (r: number \| null \| undefined): string =>
	469	+ r == null ? "—" : `${r.toFixed(2).replace(".", ",")} %`;
	470	+
308	471	export interface InondationZone {
309	472	type: string; severite: "eleve" \| "modere" \| "present";
310	473	recurrence: string; distance_m: number; date_rapport: string \| null;

added frontend/src/components/Financement.tsx +373 −0

		`@@ -0,0 +1,373 @@`
	1	+// -----------------------------------------------------------------------------
	2	+// Immo-Ka — Agrégateur de propriétés à vendre (province de Québec)
	3	+// Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+// components/Financement.tsx : « Financer cette propriété » (fiche) —
	5	+// calculateur hypothécaire canadien branché sur les taux RÉELS observés
	6	+// (immoka/mortgage). Composition semestrielle pour les taux fixes,
	7	+// SCHL montrée séparément, test de résistance, comparateur par banque,
	8	+// historique du taux. Chaque taux affiche sa provenance et sa fraîcheur.
	9	+// -----------------------------------------------------------------------------
	10	+import { useEffect, useMemo, useRef, useState } from "react";
	11	+import { Link } from "react-router-dom";
	12	+import {
	13	+ MortgageBest, MortgageCalc, calculateMortgage, fetchMortgageBest,
	14	+ fmtPrice, fmtRate,
	15	+} from "../api";
	16	+import TauxHistorique from "./TauxHistorique";
	17	+
	18	+const FREQS: [string, string][] = [
	19	+ ["monthly", "Mensuel"],
	20	+ ["semimonthly", "Bimensuel (24/an)"],
	21	+ ["biweekly", "Aux 2 semaines"],
	22	+ ["accelerated-biweekly", "Aux 2 semaines accéléré"],
	23	+ ["weekly", "Hebdomadaire"],
	24	+ ["accelerated-weekly", "Hebdomadaire accéléré"],
	25	+];
	26	+const TERMES: [number, string][] = [
	27	+ [12, "1 an"], [24, "2 ans"], [36, "3 ans"], [48, "4 ans"],
	28	+ [60, "5 ans"], [84, "7 ans"], [120, "10 ans"],
	29	+];
	30	+const KIND_FR: Record<string, string> = {
	31	+ posted: "taux affiché", special: "offre spéciale",
	32	+};
	33	+const INSURED_FR: Record<string, string> = {
	34	+ insured: "assuré", insurable: "assurable", uninsured: "non assuré",
	35	+ unknown: "",
	36	+};
	37	+
	38	+const nf = (n: number) => n.toLocaleString("fr-CA", { maximumFractionDigits: 0 });
	39	+const money = (n: number \| null \| undefined) =>
	40	+ n == null ? "—" : `${n.toLocaleString("fr-CA", { minimumFractionDigits: 2, maximumFractionDigits: 2 })} $`;
	41	+
	42	+/** Fraîcheur lisible d'une observation de taux. */
	43	+function freshness(ageMinutes: number): string {
	44	+ if (ageMinutes < 60) return `il y a ${ageMinutes} min`;
	45	+ if (ageMinutes < 48 * 60) return `il y a ${Math.round(ageMinutes / 60)} h`;
	46	+ return `il y a ${Math.round(ageMinutes / 1440)} j`;
	47	+}
	48	+
	49	+export default function Financement({ prix, taxesMensuelles }:
	50	+ { prix: number \| null; taxesMensuelles: number \| null }) {
	51	+ const [price, setPrice] = useState<number>(prix ?? 0);
	52	+ const [down, setDown] = useState<number>(Math.round((prix ?? 0) * 0.2));
	53	+ const [amort, setAmort] = useState(25);
	54	+ const [term, setTerm] = useState(60);
	55	+ const [rateType, setRateType] = useState<"fixed" \| "variable">("fixed");
	56	+ const [freq, setFreq] = useState("monthly");
	57	+ const [res, setRes] = useState<MortgageCalc \| null>(null);
	58	+ const [err, setErr] = useState<string \| null>(null);
	59	+ const [best, setBest] = useState<MortgageBest \| null>(null);
	60	+ const timer = useRef<number>();
	61	+
	62	+ const downPct = price > 0 ? (down / price) * 100 : 0;
	63	+ const setDownPct = (pct: number) =>
	64	+ setDown(Math.round((price * Math.min(99, Math.max(0, pct))) / 100));
	65	+
	66	+ // recalcul débobiné : les taux viennent du moteur, jamais du navigateur
	67	+ useEffect(() => {
	68	+ if (!price \|\| price <= 0 \|\| down < 0 \|\| down >= price) { setRes(null); return; }
	69	+ window.clearTimeout(timer.current);
	70	+ timer.current = window.setTimeout(() => {
	71	+ calculateMortgage({
	72	+ price, down_payment: down, amortization_years: amort,
	73	+ term_months: term, frequency: freq, rate_type: rateType,
	74	+ })
	75	+ .then((r) => { setRes(r); setErr(null); })
	76	+ .catch(() => setErr("Taux momentanément indisponibles — réessayez plus tard."));
	77	+ }, 350);
	78	+ return () => window.clearTimeout(timer.current);
	79	+ }, [price, down, amort, term, rateType, freq]);
	80	+
	81	+ // comparateur par banque (mêmes type/terme que le scénario)
	82	+ useEffect(() => {
	83	+ setBest(null);
	84	+ fetchMortgageBest(rateType, term).then(setBest).catch(() => setBest(null));
	85	+ }, [rateType, term]);
	86	+
	87	+ const coutReel = useMemo(() => {
	88	+ if (!res) return null;
	89	+ const parts: { k: string; v: number }[] = [
	90	+ { k: "Versement hypothécaire (équiv. mensuel)", v: res.payment_monthly_equivalent },
	91	+ ];
	92	+ if (taxesMensuelles != null && taxesMensuelles > 0)
	93	+ parts.push({ k: "Taxes municipales et scolaires", v: taxesMensuelles });
	94	+ return { parts, total: parts.reduce((s, p) => s + p.v, 0) };
	95	+ }, [res, taxesMensuelles]);
	96	+
	97	+ if (prix == null \|\| prix <= 0) return null;
	98	+ const src = res?.rate_source ?? null;
	99	+ const ins = res?.insurance;
	100	+
	101	+ return (
	102	+ <section className="f-bloc f-mtg" id="financement">
	103	+ <h2>Financer cette propriété</h2>
	104	+ <p className="mtg-intro">
	105	+ Simulation avec les <b>taux réels publiés par les banques canadiennes</b>,
	106	+ collectés en continu par Immo-Ka — composition semestrielle (norme
	107	+ canadienne) pour les taux fixes.{" "}
	108	+ <Link to="/taux-hypothecaires">Voir tous les taux ↗</Link>
	109	+ </p>
	110	+
	111	+ <div className="mtg-form">
	112	+ <label>
	113	+ <span>Prix</span>
	114	+ <input type="number" inputMode="numeric" min={1} value={price \|\| ""}
	115	+ onChange={(e) => setPrice(Number(e.target.value) \|\| 0)} />
	116	+ </label>
	117	+ <label>
	118	+ <span>Mise de fonds ($)</span>
	119	+ <input type="number" inputMode="numeric" min={0} value={down \|\| ""}
	120	+ onChange={(e) => setDown(Number(e.target.value) \|\| 0)} />
	121	+ </label>
	122	+ <label>
	123	+ <span>Mise de fonds (%)</span>
	124	+ <input type="number" inputMode="decimal" min={0} max={99} step={1}
	125	+ value={downPct ? Math.round(downPct * 10) / 10 : ""}
	126	+ onChange={(e) => setDownPct(Number(e.target.value) \|\| 0)} />
	127	+ </label>
	128	+ <label>
	129	+ <span>Amortissement</span>
	130	+ <select value={amort} onChange={(e) => setAmort(Number(e.target.value))}>
	131	+ {[10, 15, 20, 25, 30].map((a) => <option key={a} value={a}>{a} ans</option>)}
	132	+ </select>
	133	+ </label>
	134	+ <label>
	135	+ <span>Terme</span>
	136	+ <select value={term} onChange={(e) => setTerm(Number(e.target.value))}>
	137	+ {TERMES.map(([m, l]) => <option key={m} value={m}>{l}</option>)}
	138	+ </select>
	139	+ </label>
	140	+ <label>
	141	+ <span>Type de taux</span>
	142	+ <select value={rateType}
	143	+ onChange={(e) => setRateType(e.target.value as "fixed" \| "variable")}>
	144	+ <option value="fixed">Fixe</option>
	145	+ <option value="variable">Variable</option>
	146	+ </select>
	147	+ </label>
	148	+ <label>
	149	+ <span>Fréquence</span>
	150	+ <select value={freq} onChange={(e) => setFreq(e.target.value)}>
	151	+ {FREQS.map(([v, l]) => <option key={v} value={v}>{l}</option>)}
	152	+ </select>
	153	+ </label>
	154	+ </div>
	155	+
	156	+ {err && <p className="mtg-err">{err}</p>}
	157	+
	158	+ {res && (
	159	+ <>
	160	+ <div className="mtg-resultat">
	161	+ <div className="mtg-kpi">
	162	+ <span className="mtg-kpi-k">Versement</span>
	163	+ <span className="mtg-kpi-v">{money(res.payment)}</span>
	164	+ <span className="mtg-kpi-sub">
	165	+ {FREQS.find(([v]) => v === freq)?.[1].toLowerCase()}
	166	+ {freq !== "monthly" && ` · équiv. ${money(res.payment_monthly_equivalent)}/mois`}
	167	+ </span>
	168	+ </div>
	169	+ <div className="mtg-kpi">
	170	+ <span className="mtg-kpi-k">Taux utilisé</span>
	171	+ <span className="mtg-kpi-v">{fmtRate(res.inputs.rate)}</span>
	172	+ {src && (
	173	+ <span className="mtg-kpi-sub">
	174	+ {src.institution} — {src.product_name}{" "}
	175	+ ({KIND_FR[src.kind] ?? src.kind}
	176	+ {INSURED_FR[src.insured_status ?? "unknown"]
	177	+ ? `, ${INSURED_FR[src.insured_status ?? "unknown"]}` : ""})
	178	+ </span>
	179	+ )}
	180	+ </div>
	181	+ <div className="mtg-kpi">
	182	+ <span className="mtg-kpi-k">Hypothèque</span>
	183	+ <span className="mtg-kpi-v">{fmtPrice(res.principal)}</span>
	184	+ <span className="mtg-kpi-sub">
	185	+ mise de fonds {fmtPrice(res.inputs.down_payment)} ({res.inputs.down_payment_pct.toLocaleString("fr-CA")} %)
	186	+ </span>
	187	+ </div>
	188	+ <div className="mtg-kpi">
	189	+ <span className="mtg-kpi-k">Test de résistance</span>
	190	+ <span className="mtg-kpi-v">{money(res.qualifying.payment)}</span>
	191	+ <span className="mtg-kpi-sub">qualification à {fmtRate(res.qualifying.rate)}</span>
	192	+ </div>
	193	+ </div>
	194	+
	195	+ {src && (
	196	+ <p className="mtg-source fine">
	197	+ Taux observé chez <b>{src.institution}</b> {freshness(src.age_minutes)}
	198	+ {src.stale && " ⚠ donnée de plus de 24 h"} ·{" "}
	199	+ {src.source_url && (
	200	+ <a href={src.source_url} target="_blank" rel="noopener noreferrer">
	201	+ source officielle ↗
	202	+ </a>
	203	+ )}
	204	+ </p>
	205	+ )}
	206	+
	207	+ {ins && ins.required && (
	208	+ <div className={`mtg-schl ${ins.eligible ? "" : "mtg-schl-no"}`}>
	209	+ <b>Assurance prêt hypothécaire (SCHL)</b>
	210	+ {ins.eligible ? (
	211	+ <ul>
	212	+ <li>Prime : <b>{fmtPrice(ins.premium)}</b> ({ins.premium_rate.toLocaleString("fr-CA")} % du prêt, ajoutée à l'hypothèque)</li>
	213	+ <li>TVQ sur la prime : <b>{money(ins.qc_tax)}</b> — payable comptant à la clôture</li>
	214	+ <li>Rapport prêt-valeur : {ins.ltv?.toLocaleString("fr-CA")} %</li>
	215	+ </ul>
	216	+ ) : null}
	217	+ {ins.issues.map((i, k) => <p className="mtg-issue" key={k}>⚠ {i}</p>)}
	218	+ </div>
	219	+ )}
	220	+
	221	+ {coutReel && (
	222	+ <details className="mtg-detail">
	223	+ <summary>Coût réel mensuel estimé</summary>
	224	+ <div className="dtable">
	225	+ {coutReel.parts.map((p) => (
	226	+ <div className="drow" key={p.k}><span>{p.k}</span><b>{money(p.v)}</b></div>
	227	+ ))}
	228	+ <div className="drow mtg-total"><span>Total estimé</span><b>{money(coutReel.total)}</b></div>
	229	+ </div>
	230	+ <p className="fine">
	231	+ {taxesMensuelles == null &&
	232	+ "Taxes non publiées pour cette annonce — versement hypothécaire seulement. "}
	233	+ Chauffage, électricité, assurance habitation et copropriété en sus.
	234	+ </p>
	235	+ </details>
	236	+ )}
	237	+
	238	+ <details className="mtg-detail">
	239	+ <summary>Et si les taux montent ? (test de résistance)</summary>
	240	+ <div className="dtable">
	241	+ {res.stress.map((s) => (
	242	+ <div className="drow" key={s.bump}>
	243	+ <span>{s.bump === 0 ? "Taux actuel" : `+${s.bump} point${s.bump > 1 ? "s" : ""}`} — {fmtRate(s.rate)}</span>
	244	+ <b>{money(s.payment)}</b>
	245	+ </div>
	246	+ ))}
	247	+ </div>
	248	+ <p className="fine">{res.qualifying.note}</p>
	249	+ </details>
	250	+
	251	+ <details className="mtg-detail">
	252	+ <summary>Au renouvellement ({TERMES.find(([m]) => m === term)?.[1]})</summary>
	253	+ <p className="fine">
	254	+ Solde restant à l'échéance : <b>{fmtPrice(res.renewal.balance_at_renewal)}</b>{" "}
	255	+ (amortissement résiduel {res.renewal.remaining_amortization_years} ans).
	256	+ Intérêts payés pendant le terme : {fmtPrice(res.term.interest_paid)}.
	257	+ </p>
	258	+ <div className="dtable">
	259	+ {res.renewal.scenarios.map((s) => (
	260	+ <div className="drow" key={s.bump}>
	261	+ <span>Renouvelé à {fmtRate(s.rate)} ({s.bump >= 0 ? "+" : ""}{s.bump} pt)</span>
	262	+ <b>{money(s.payment)}</b>
	263	+ </div>
	264	+ ))}
	265	+ </div>
	266	+ </details>
	267	+
	268	+ {best && best.per_institution.length > 1 && (
	269	+ <details className="mtg-detail">
	270	+ <summary>Comparer les banques ({best.institutions_count} institutions)</summary>
	271	+ <div className="rooms-wrap">
	272	+ <table className="rooms mtg-comp">
	273	+ <thead>
	274	+ <tr><th>Institution</th><th>Taux</th><th>Nature</th><th>Versement</th><th>Fraîcheur</th></tr>
	275	+ </thead>
	276	+ <tbody>
	277	+ {best.per_institution.map((r) => (
	278	+ <tr key={r.provider}>
	279	+ <td>
	280	+ {r.source_url
	281	+ ? <a href={r.source_url} target="_blank" rel="noopener noreferrer">{r.institution}</a>
	282	+ : r.institution}
	283	+ </td>
	284	+ <td><b>{fmtRate(r.rate)}</b>{r.apr != null ? ` (TAP ${fmtRate(r.apr)})` : ""}</td>
	285	+ <td>
	286	+ {KIND_FR[r.kind]}
	287	+ {INSURED_FR[r.insured_status] ? ` · ${INSURED_FR[r.insured_status]}` : ""}
	288	+ </td>
	289	+ <td>{res.principal > 0 ? money(estimatePayment(res, r.rate)) : "—"}</td>
	290	+ <td className={r.stale ? "mtg-stale" : ""}>{freshness(r.age_minutes)}</td>
	291	+ </tr>
	292	+ ))}
	293	+ </tbody>
	294	+ </table>
	295	+ </div>
	296	+ <p className="fine">
	297	+ Produits comparables seulement (même type, même terme) — un taux
	298	+ « affiché » et une « offre spéciale » ne sont pas la même chose,
	299	+ d'où la colonne Nature. Versements estimés sur votre scénario.
	300	+ </p>
	301	+ </details>
	302	+ )}
	303	+
	304	+ <details className="mtg-detail">
	305	+ <summary>Historique du taux ({rateType === "fixed" ? "fixe" : "variable"} {TERMES.find(([m]) => m === term)?.[1]})</summary>
	306	+ <TauxHistorique rateType={rateType} termMonths={term} />
	307	+ </details>
	308	+
	309	+ <details className="mtg-detail">
	310	+ <summary>Amortissement année par année</summary>
	311	+ <div className="rooms-wrap">
	312	+ <table className="rooms">
	313	+ <thead>
	314	+ <tr><th>Année</th><th>Intérêts</th><th>Capital</th><th>Solde</th></tr>
	315	+ </thead>
	316	+ <tbody>
	317	+ {res.annual.map((a) => (
	318	+ <tr key={a.year}>
	319	+ <td>{a.year}</td>
	320	+ <td>{nf(a.interest)} $</td>
	321	+ <td>{nf(a.principal)} $</td>
	322	+ <td>{nf(a.balance)} $</td>
	323	+ </tr>
	324	+ ))}
	325	+ </tbody>
	326	+ </table>
	327	+ </div>
	328	+ {res.payoff_years < res.inputs.amortization_years && (
	329	+ <p className="fine">
	330	+ Avec la fréquence accélérée choisie, le prêt s'éteint en{" "}
	331	+ <b>{res.payoff_years} ans</b> au lieu de {res.inputs.amortization_years}.
	332	+ </p>
	333	+ )}
	334	+ </details>
	335	+ </>
	336	+ )}
	337	+
	338	+ <p className="fine">
	339	+ Outil indicatif seulement — ne constitue ni une offre de financement ni
	340	+ une préapprobation. Les taux affichés sont ceux publiés par les
	341	+ institutions (source et fraîcheur indiquées) ; vérifiez auprès de la
	342	+ banque ou d'un courtier hypothécaire.
	343	+ </p>
	344	+ </section>
	345	+ );
	346	+}
	347	+
	348	+/** Versement estimé au taux d'une autre banque, même scénario (approximation
	349	+ * frontend par règle de trois sur le facteur d'annuité — les chiffres
	350	+ * officiels du scénario viennent toujours du moteur). */
	351	+function estimatePayment(res: MortgageCalc, rate: number): number {
	352	+ const { amortization_years, frequency, compounding } = res.inputs;
	353	+ const f = ({ monthly: 12, semimonthly: 24, biweekly: 26,
	354	+ "accelerated-biweekly": 26, weekly: 52, "accelerated-weekly": 52 } as
	355	+ Record<string, number>)[frequency] ?? 12;
	356	+ const per = (pct: number, k: number) =>
	357	+ compounding === "monthly"
	358	+ ? Math.pow(1 + pct / 100 / 12, 12 / k) - 1
	359	+ : Math.pow(1 + pct / 100 / 2, 2 / k) - 1;
	360	+ const pay = (pct: number) => {
	361	+ if (frequency.startsWith("accelerated")) {
	362	+ const m = pay0(pct, 12);
	363	+ return Math.round((m / (frequency === "accelerated-biweekly" ? 2 : 4)) * 100) / 100;
	364	+ }
	365	+ return pay0(pct, f);
	366	+ };
	367	+ const pay0 = (pct: number, k: number) => {
	368	+ const i = per(pct, k);
	369	+ const n = Math.round(amortization_years * k);
	370	+ return Math.round(((res.principal * i) / (1 - Math.pow(1 + i, -n))) * 100) / 100;
	371	+ };
	372	+ return pay(rate);
	373	+}

added frontend/src/components/TauxHistorique.tsx +101 −0

		`@@ -0,0 +1,101 @@`
	1	+// -----------------------------------------------------------------------------
	2	+// Immo-Ka — Agrégateur de propriétés à vendre (province de Québec)
	3	+// Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+// components/TauxHistorique.tsx : graphique SVG de l'évolution du meilleur
	5	+// taux observé (périodes de validité valid_from/valid_to reconstruites en
	6	+// courbe en escalier — un taux reste en vigueur tant qu'il n'a pas changé).
	7	+// -----------------------------------------------------------------------------
	8	+import { useEffect, useMemo, useState } from "react";
	9	+import { MortgageHistoryRow, fetchMortgageHistory, fmtRate } from "../api";
	10	+
	11	+/** Meilleur taux (toutes institutions) à chaque instant : pour chaque borne
	12	+ * de période, le min des taux dont la période couvre cet instant. */
	13	+function bestCurve(rows: MortgageHistoryRow[], now: number) {
	14	+ const stamps = new Set<number>();
	15	+ for (const r of rows) {
	16	+ stamps.add(r.valid_from);
	17	+ if (r.valid_to != null) stamps.add(r.valid_to);
	18	+ }
	19	+ stamps.add(now);
	20	+ const ts = [...stamps].sort((a, b) => a - b);
	21	+ const pts: { t: number; rate: number }[] = [];
	22	+ for (const t of ts) {
	23	+ let best: number \| null = null;
	24	+ for (const r of rows) {
	25	+ if (r.valid_from <= t && (r.valid_to == null \|\| r.valid_to > t))
	26	+ best = best == null ? r.rate : Math.min(best, r.rate);
	27	+ }
	28	+ if (best != null) pts.push({ t, rate: best });
	29	+ }
	30	+ return pts;
	31	+}
	32	+
	33	+export default function TauxHistorique({ rateType, termMonths, days = 365 }:
	34	+ { rateType: string; termMonths: number; days?: number }) {
	35	+ const [rows, setRows] = useState<MortgageHistoryRow[] \| null>(null);
	36	+
	37	+ useEffect(() => {
	38	+ setRows(null);
	39	+ fetchMortgageHistory(rateType, termMonths, days, "special")
	40	+ .then((r) => setRows(r.history))
	41	+ .catch(() => setRows([]));
	42	+ }, [rateType, termMonths, days]);
	43	+
	44	+ const now = Math.floor(Date.now() / 1000);
	45	+ const pts = useMemo(() => bestCurve(rows ?? [], now), [rows, now]);
	46	+
	47	+ if (rows == null) return <div className="fine">Chargement de l'historique…</div>;
	48	+ if (pts.length === 0)
	49	+ return <div className="fine">Aucun historique pour ce produit.</div>;
	50	+
	51	+ const W = 640, H = 180, PAD = { l: 44, r: 10, t: 10, b: 22 };
	52	+ const t0 = pts[0].t, t1 = now;
	53	+ const rates = pts.map((p) => p.rate);
	54	+ const rMin = Math.floor(Math.min(...rates) * 10) / 10 - 0.1;
	55	+ const rMax = Math.ceil(Math.max(...rates) * 10) / 10 + 0.1;
	56	+ const x = (t: number) =>
	57	+ PAD.l + ((t - t0) / Math.max(1, t1 - t0)) * (W - PAD.l - PAD.r);
	58	+ const y = (r: number) =>
	59	+ PAD.t + (1 - (r - rMin) / Math.max(0.01, rMax - rMin)) * (H - PAD.t - PAD.b);
	60	+
	61	+ // courbe en escalier : le taux tient jusqu'au changement suivant
	62	+ let d = `M ${x(pts[0].t).toFixed(1)} ${y(pts[0].rate).toFixed(1)}`;
	63	+ for (let i = 1; i < pts.length; i++) {
	64	+ d += ` H ${x(pts[i].t).toFixed(1)} V ${y(pts[i].rate).toFixed(1)}`;
	65	+ }
	66	+ d += ` H ${x(t1).toFixed(1)}`;
	67	+
	68	+ const yTicks: number[] = [];
	69	+ for (let r = Math.ceil(rMin * 4) / 4; r <= rMax + 1e-9; r += 0.25)
	70	+ yTicks.push(Math.round(r * 100) / 100);
	71	+ const fmtD = (t: number) =>
	72	+ new Date(t * 1000).toLocaleDateString("fr-CA", { month: "short", day: "numeric" });
	73	+ const last = pts[pts.length - 1];
	74	+
	75	+ return (
	76	+ <div className="mtg-chart">
	77	+ <svg viewBox={`0 0 ${W} ${H}`} role="img"
	78	+ aria-label={`Évolution du meilleur taux ${rateType} ${termMonths} mois`}>
	79	+ {yTicks.map((r) => (
	80	+ <g key={r}>
	81	+ <line x1={PAD.l} x2={W - PAD.r} y1={y(r)} y2={y(r)} className="mtg-grid" />
	82	+ <text x={PAD.l - 6} y={y(r) + 3} className="mtg-tick" textAnchor="end">
	83	+ {r.toFixed(2).replace(".", ",")}
	84	+ </text>
	85	+ </g>
	86	+ ))}
	87	+ <text x={x(t0)} y={H - 6} className="mtg-tick">{fmtD(t0)}</text>
	88	+ <text x={W - PAD.r} y={H - 6} className="mtg-tick" textAnchor="end">
	89	+ aujourd'hui
	90	+ </text>
	91	+ <path d={d} className="mtg-line" />
	92	+ <circle cx={x(t1)} cy={y(last.rate)} r={3.5} className="mtg-dot" />
	93	+ </svg>
	94	+ <div className="fine">
	95	+ Meilleur taux « offre spéciale » observé toutes institutions —
	96	+ actuellement <b>{fmtRate(last.rate)}</b>. L'historique se construit au
	97	+ fil des collectes (aucune donnée n'est extrapolée).
	98	+ </div>
	99	+ </div>
	100	+ );
	101	+}

modified frontend/src/pages/Listing.tsx +19 −0

		`@@ -13,6 +13,7 @@ import {`
13	13	} from "../api";
14	14
15	15	const PropertyMap = lazy(() => import("../components/PropertyMap"));
	16	+import Financement from "../components/Financement";
16	17	import QuartierBlock from "../components/QuartierBlock";
17	18	import RisqueInondation from "../components/RisqueInondation";
18	19	import QualiteAir from "../components/QualiteAir";
		`@@ -242,6 +243,16 @@ export default function ListingPage() {`
242	243	const detEntries = Object.entries(l.details ?? {})
243	244	.filter(([k, v]) => !DETAIL_HIDDEN.has(k) && (typeof v === "string" \|\| typeof v === "number") && String(v).trim());
244	245
	246	+ // taxes annuelles publiées (Centris) → mensualisées pour le coût réel
	247	+ const taxesAnnuelles = ["Taxes municipales", "Taxes scolaires"]
	248	+ .map((k) => {
	249	+ const v = l.details?.[k];
	250	+ const n = parseInt(String(v ?? "").replace(/[^\d]/g, ""), 10);
	251	+ return Number.isFinite(n) && n > 0 && n < 200_000 ? n : 0;
	252	+ })
	253	+ .reduce((a, b) => a + b, 0);
	254	+ const estVente = l.details?.transaction !== "location";
	255	+
245	256	const hist = (l.price_history ?? []).filter((h) => h.price != null);
246	257	const baisse = hist.length >= 2 && hist[0].price !== hist[1].price
247	258	? { de: hist[1].price!, a: hist[0].price! } : null;
		`@@ -458,6 +469,14 @@ export default function ListingPage() {`
458	469	</div>
459	470	</div>
460	471
	472	+ {/* financement : taux hypothécaires réels + calculateur canadien */}
	473	+ {estVente && (
	474	+ <Financement
	475	+ prix={l.price}
	476	+ taxesMensuelles={taxesAnnuelles > 0 ? Math.round(taxesAnnuelles / 12) : null}
	477	+ />
	478	+ )}
	479	+
461	480	{/* quartier : pleine largeur, APRÈS les infos de propriété (ordre mobile correct) */}
462	481	<RisqueInondation lat={l.lat} lng={l.lng} />
463	482

added frontend/src/pages/Taux.tsx +192 −0

		`@@ -0,0 +1,192 @@`
	1	+// -----------------------------------------------------------------------------
	2	+// Immo-Ka — Agrégateur de propriétés à vendre (province de Québec)
	3	+// Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+// pages/Taux.tsx : /taux-hypothecaires — Mortgage Intelligence.
	5	+// Vue marché (meilleur/médian/variations), comparateur par banque avec
	6	+// nature du taux (affiché vs spécial) et fraîcheur, historique, taux
	7	+// préférentiels, santé des sources. Aucun taux inventé : tout vient des
	8	+// pages officielles des institutions, avec provenance.
	9	+// -----------------------------------------------------------------------------
	10	+import { useEffect, useState } from "react";
	11	+import {
	12	+ MortgageBest, MortgageIntelligence, MortgageProviderHealth,
	13	+ fetchMortgageBest, fetchMortgageIntelligence, fetchMortgageProviders,
	14	+ fmtRate,
	15	+} from "../api";
	16	+import TauxHistorique from "../components/TauxHistorique";
	17	+
	18	+const TERMES: [number, string][] = [
	19	+ [12, "1 an"], [24, "2 ans"], [36, "3 ans"], [48, "4 ans"],
	20	+ [60, "5 ans"], [84, "7 ans"], [120, "10 ans"],
	21	+];
	22	+const KIND_FR: Record<string, string> = { posted: "affiché", special: "offre spéciale" };
	23	+const INSURED_FR: Record<string, string> = {
	24	+ insured: "assuré", insurable: "assurable", uninsured: "non assuré", unknown: "",
	25	+};
	26	+
	27	+const termeLabel = (m: number) => TERMES.find(([t]) => t === m)?.[1] ?? `${m} mois`;
	28	+const freshness = (min: number) =>
	29	+ min < 60 ? `il y a ${min} min` : min < 48 * 60
	30	+ ? `il y a ${Math.round(min / 60)} h` : `il y a ${Math.round(min / 1440)} j`;
	31	+const varTxt = (v: number \| null) =>
	32	+ v == null ? "—" : v === 0 ? "stable"
	33	+ : `${v > 0 ? "▲ +" : "▼ "}${v.toFixed(2).replace(".", ",")} pt`;
	34	+
	35	+export default function TauxPage() {
	36	+ const [intel, setIntel] = useState<MortgageIntelligence \| null>(null);
	37	+ const [rateType, setRateType] = useState<"fixed" \| "variable">("fixed");
	38	+ const [term, setTerm] = useState(60);
	39	+ const [best, setBest] = useState<MortgageBest \| null>(null);
	40	+ const [health, setHealth] = useState<MortgageProviderHealth[]>([]);
	41	+
	42	+ useEffect(() => {
	43	+ document.title = "Taux hypothécaires au Canada — comparateur en direct \| Immo-Ka";
	44	+ fetchMortgageIntelligence().then(setIntel).catch(() => setIntel(null));
	45	+ fetchMortgageProviders().then((r) => setHealth(r.providers)).catch(() => {});
	46	+ }, []);
	47	+
	48	+ useEffect(() => {
	49	+ setBest(null);
	50	+ fetchMortgageBest(rateType, term).then(setBest).catch(() => setBest(null));
	51	+ }, [rateType, term]);
	52	+
	53	+ return (
	54	+ <div className="container taux-page">
	55	+ <header className="taux-head">
	56	+ <h1>Taux hypothécaires en direct</h1>
	57	+ <p>
	58	+ Les taux réellement publiés par les grandes institutions canadiennes
	59	+ (banques, Desjardins, prêteurs virtuels et monolines), collectés en
	60	+ continu par Immo-Ka. Chaque taux indique sa <b>nature</b> (affiché ou
	61	+ offre spéciale), sa <b>source officielle</b> et sa <b>fraîcheur</b> —
	62	+ jamais de taux inventé ni périmé sans avertissement.
	63	+ </p>
	64	+ </header>
	65	+
	66	+ {intel && intel.products.length > 0 && (
	67	+ <section className="f-bloc">
	68	+ <h2>Vue d'ensemble du marché</h2>
	69	+ <div className="taux-grid">
	70	+ {intel.products.map((p) => (
	71	+ <button
	72	+ key={`${p.rate_type}-${p.term_months}`}
	73	+ className={`taux-card ${p.rate_type === rateType && p.term_months === term ? "on" : ""}`}
	74	+ onClick={() => { setRateType(p.rate_type as "fixed" \| "variable"); setTerm(p.term_months); }}
	75	+ >
	76	+ <span className="taux-card-k">
	77	+ {p.rate_type === "fixed" ? "Fixe" : "Variable"} {termeLabel(p.term_months)}
	78	+ </span>
	79	+ <span className="taux-card-v">{fmtRate(p.best)}</span>
	80	+ <span className="taux-card-sub">{p.best_institution}</span>
	81	+ <span className="taux-card-sub">
	82	+ médiane {fmtRate(p.median)} · 30 j : {varTxt(p.var_30d)}
	83	+ </span>
	84	+ </button>
	85	+ ))}
	86	+ </div>
	87	+ {intel.prime_rates.length > 0 && (
	88	+ <p className="fine">
	89	+ Taux préférentiels :{" "}
	90	+ {intel.prime_rates.map((p, i) => (
	91	+ <span key={i}>
	92	+ {i > 0 && " · "}
	93	+ {p.institution} <b>{fmtRate(p.rate)}</b>
	94	+ </span>
	95	+ ))}
	96	+ </p>
	97	+ )}
	98	+ </section>
	99	+ )}
	100	+
	101	+ <section className="f-bloc">
	102	+ <h2>Comparer les institutions</h2>
	103	+ <div className="taux-filtres">
	104	+ <label>
	105	+ <span>Type</span>
	106	+ <select value={rateType}
	107	+ onChange={(e) => setRateType(e.target.value as "fixed" \| "variable")}>
	108	+ <option value="fixed">Fixe</option>
	109	+ <option value="variable">Variable</option>
	110	+ </select>
	111	+ </label>
	112	+ <label>
	113	+ <span>Terme</span>
	114	+ <select value={term} onChange={(e) => setTerm(Number(e.target.value))}>
	115	+ {TERMES.map(([m, l]) => <option key={m} value={m}>{l}</option>)}
	116	+ </select>
	117	+ </label>
	118	+ </div>
	119	+
	120	+ {best == null ? (
	121	+ <p className="fine">Aucun taux courant pour ce produit — essayez un autre terme.</p>
	122	+ ) : (
	123	+ <>
	124	+ <div className="rooms-wrap">
	125	+ <table className="rooms mtg-comp">
	126	+ <thead>
	127	+ <tr><th>Institution</th><th>Produit</th><th>Taux</th><th>Nature</th><th>Fraîcheur</th><th>Source</th></tr>
	128	+ </thead>
	129	+ <tbody>
	130	+ {best.per_institution.map((r, i) => (
	131	+ <tr key={r.provider} className={i === 0 ? "taux-best" : ""}>
	132	+ <td>{r.institution}{i === 0 && <span className="taux-badge">meilleur</span>}</td>
	133	+ <td>{r.product_name}</td>
	134	+ <td><b>{fmtRate(r.rate)}</b>{r.apr != null ? ` (TAP ${fmtRate(r.apr)})` : ""}</td>
	135	+ <td>
	136	+ {KIND_FR[r.kind] ?? r.kind}
	137	+ {INSURED_FR[r.insured_status] ? ` · ${INSURED_FR[r.insured_status]}` : ""}
	138	+ </td>
	139	+ <td className={r.stale ? "mtg-stale" : ""}>{freshness(r.age_minutes)}</td>
	140	+ <td>
	141	+ {r.source_url && (
	142	+ <a href={r.source_url} target="_blank" rel="noopener noreferrer">officielle ↗</a>
	143	+ )}
	144	+ </td>
	145	+ </tr>
	146	+ ))}
	147	+ </tbody>
	148	+ </table>
	149	+ </div>
	150	+ <p className="fine">
	151	+ Un seul produit comparable par institution (l'offre spéciale prime
	152	+ sur le taux affiché). Les produits incomparables — assuré vs non
	153	+ assuré, affiché vs spécial — ne sont jamais mélangés dans un même
	154	+ classement sans l'indiquer.
	155	+ </p>
	156	+ </>
	157	+ )}
	158	+ </section>
	159	+
	160	+ <section className="f-bloc">
	161	+ <h2>Évolution — {rateType === "fixed" ? "fixe" : "variable"} {termeLabel(term)}</h2>
	162	+ <TauxHistorique rateType={rateType} termMonths={term} />
	163	+ </section>
	164	+
	165	+ {health.length > 0 && (
	166	+ <section className="f-bloc">
	167	+ <h2>Fraîcheur des sources</h2>
	168	+ <div className="taux-sante">
	169	+ {health.map((h) => (
	170	+ <span key={h.provider}
	171	+ className={`taux-src taux-src-${h.level.toLowerCase()}`}
	172	+ title={`${h.current_products} produit(s) courant(s) — dernière collecte ${freshness(h.age_minutes)}`}>
	173	+ {h.institution}
	174	+ </span>
	175	+ ))}
	176	+ </div>
	177	+ <p className="fine">
	178	+ Vert : collecte récente réussie · jaune : donnée conservée mais
	179	+ vieillissante · rouge : source en erreur. En cas d'échec d'une
	180	+ collecte, les derniers taux valides restent affichés avec leur date.
	181	+ </p>
	182	+ </section>
	183	+ )}
	184	+
	185	+ <p className="fine">
	186	+ Informations indicatives seulement, sans garantie — les conditions
	187	+ réelles dépendent de votre dossier. Immo-Ka n'est ni un prêteur ni un
	188	+ courtier hypothécaire.
	189	+ </p>
	190	+ </div>
	191	+ );
	192	+}

modified frontend/src/styles.css +135 −0

		`@@ -1072,3 +1072,138 @@ table.rooms tbody tr:hover td { background: var(--accent-soft); }`
1072	1072	margin-top: 10px;
1073	1073	}
1074	1074	.cta-pdf:hover { background: var(--ink); color: var(--paper); }
	1075	+
	1076	+/* ================= Financement (fiche) + page Taux hypothécaires ========= */
	1077	+.f-mtg .mtg-intro { color: var(--ink-2); font-size: 14px; margin: 4px 0 14px; }
	1078	+.f-mtg .mtg-intro a { color: var(--lime); font-weight: 600; }
	1079	+
	1080	+.mtg-form {
	1081	+ display: grid; gap: 10px;
	1082	+ grid-template-columns: repeat(auto-fill, minmax(150px, 1fr));
	1083	+}
	1084	+.mtg-form label { display: flex; flex-direction: column; gap: 3px; min-width: 0; }
	1085	+.mtg-form label > span {
	1086	+ font-family: var(--font-mono); font-size: 9.5px; font-weight: 700;
	1087	+ text-transform: uppercase; letter-spacing: 0.1em; color: var(--ink-3);
	1088	+}
	1089	+.mtg-form input, .mtg-form select {
	1090	+ border: 1.5px solid var(--ink); border-radius: 9px; background: var(--surface);
	1091	+ padding: 9px 10px; font-size: 14.5px; font-family: inherit; color: var(--ink);
	1092	+ min-height: 42px; min-width: 0;
	1093	+}
	1094	+.mtg-form input:focus, .mtg-form select:focus {
	1095	+ outline: none; box-shadow: 3px 3px 0 var(--lime);
	1096	+}
	1097	+
	1098	+.mtg-err { color: var(--accent-deep); font-size: 13.5px; margin: 12px 0 0; }
	1099	+
	1100	+.mtg-resultat {
	1101	+ display: grid; gap: 10px; margin-top: 16px;
	1102	+ grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
	1103	+}
	1104	+.mtg-kpi {
	1105	+ border: 1.5px solid var(--line-strong); border-radius: var(--r-card);
	1106	+ background: var(--surface-2); padding: 12px 14px;
	1107	+ display: flex; flex-direction: column; gap: 2px; min-width: 0;
	1108	+}
	1109	+.mtg-kpi-k {
	1110	+ font-family: var(--font-mono); font-size: 9.5px; font-weight: 700;
	1111	+ text-transform: uppercase; letter-spacing: 0.12em; color: var(--ink-3);
	1112	+}
	1113	+.mtg-kpi-v {
	1114	+ font-family: var(--font-display); font-weight: 700; font-size: 22px;
	1115	+ letter-spacing: -0.02em;
	1116	+}
	1117	+.mtg-kpi-sub { font-size: 12px; color: var(--ink-3); }
	1118	+.mtg-kpi:first-child { background: var(--ink); border-color: var(--ink); }
	1119	+.mtg-kpi:first-child .mtg-kpi-v { color: var(--lime); }
	1120	+.mtg-kpi:first-child .mtg-kpi-k, .mtg-kpi:first-child .mtg-kpi-sub { color: rgba(255,255,255,0.75); }
	1121	+
	1122	+.mtg-source { margin-top: 10px; }
	1123	+
	1124	+.mtg-schl {
	1125	+ margin-top: 14px; border: 1.5px dashed var(--line-strong);
	1126	+ border-radius: var(--r-card); padding: 12px 14px; font-size: 13.5px;
	1127	+ background: var(--surface);
	1128	+}
	1129	+.mtg-schl ul { margin: 8px 0 0; padding-left: 18px; display: grid; gap: 3px; }
	1130	+.mtg-schl-no { border-color: var(--accent-deep); }
	1131	+.mtg-issue { margin: 8px 0 0; color: var(--accent-deep); font-size: 13px; }
	1132	+
	1133	+.mtg-detail {
	1134	+ margin-top: 10px; border: 1.5px solid var(--line-strong);
	1135	+ border-radius: var(--r-card); background: var(--surface);
	1136	+}
	1137	+.mtg-detail > summary {
	1138	+ cursor: pointer; padding: 11px 14px; font-weight: 700; font-size: 14px;
	1139	+ list-style: none; display: flex; align-items: center; gap: 8px;
	1140	+}
	1141	+.mtg-detail > summary::before { content: "+"; font-family: var(--font-mono); color: var(--lime); font-weight: 700; }
	1142	+.mtg-detail[open] > summary::before { content: "−"; }
	1143	+.mtg-detail > summary::-webkit-details-marker { display: none; }
	1144	+.mtg-detail > *:not(summary) { margin: 0 14px 12px; }
	1145	+.mtg-detail .fine { border-top: none; padding-top: 0; }
	1146	+.mtg-total { border-top: 2px solid var(--ink); }
	1147	+.mtg-comp td, .mtg-comp th { white-space: nowrap; }
	1148	+.mtg-stale { color: var(--accent-deep); }
	1149	+
	1150	+.mtg-chart svg { width: 100%; height: auto; display: block; }
	1151	+.mtg-grid { stroke: var(--line); stroke-width: 1; }
	1152	+.mtg-tick { font-family: var(--font-mono); font-size: 10px; fill: var(--ink-3); }
	1153	+.mtg-line { fill: none; stroke: var(--lime); stroke-width: 2.5; stroke-linejoin: round; }
	1154	+.mtg-dot { fill: var(--ink); stroke: var(--lime); stroke-width: 2.5; }
	1155	+
	1156	+/* ---- page /taux-hypothecaires ---- */
	1157	+.taux-page { padding-bottom: 40px; }
	1158	+.taux-head { margin: 28px 0 6px; max-width: 760px; }
	1159	+.taux-head h1 { font-family: var(--font-display); font-size: clamp(28px, 5vw, 40px); letter-spacing: -0.03em; }
	1160	+.taux-head p { color: var(--ink-2); font-size: 15px; margin: 12px 0 0; }
	1161	+.taux-page > .f-bloc { margin-top: 22px; }
	1162	+
	1163	+.taux-grid {
	1164	+ display: grid; gap: 10px;
	1165	+ grid-template-columns: repeat(auto-fill, minmax(170px, 1fr));
	1166	+}
	1167	+.taux-card {
	1168	+ border: 1.5px solid var(--ink); border-radius: var(--r-card);
	1169	+ background: var(--surface); padding: 12px 14px; text-align: left;
	1170	+ cursor: pointer; display: flex; flex-direction: column; gap: 2px;
	1171	+ transition: box-shadow 0.15s ease; font-family: inherit; min-width: 0;
	1172	+}
	1173	+.taux-card:hover { box-shadow: 3px 3px 0 var(--lime); }
	1174	+.taux-card.on { background: var(--ink); color: var(--paper); }
	1175	+.taux-card.on .taux-card-v { color: var(--lime); }
	1176	+.taux-card-k {
	1177	+ font-family: var(--font-mono); font-size: 9.5px; font-weight: 700;
	1178	+ text-transform: uppercase; letter-spacing: 0.12em; color: var(--ink-3);
	1179	+}
	1180	+.taux-card.on .taux-card-k, .taux-card.on .taux-card-sub { color: rgba(255,255,255,0.7); }
	1181	+.taux-card-v { font-family: var(--font-display); font-weight: 700; font-size: 24px; }
	1182	+.taux-card-sub { font-size: 11.5px; color: var(--ink-3); }
	1183	+
	1184	+.taux-filtres { display: flex; gap: 10px; margin-bottom: 14px; flex-wrap: wrap; }
	1185	+.taux-filtres label { display: flex; flex-direction: column; gap: 3px; }
	1186	+.taux-filtres label > span {
	1187	+ font-family: var(--font-mono); font-size: 9.5px; font-weight: 700;
	1188	+ text-transform: uppercase; letter-spacing: 0.1em; color: var(--ink-3);
	1189	+}
	1190	+.taux-filtres select {
	1191	+ border: 1.5px solid var(--ink); border-radius: 9px; background: var(--surface);
	1192	+ padding: 9px 12px; font-size: 14.5px; font-family: inherit; min-height: 42px;
	1193	+}
	1194	+.taux-best td { background: var(--lime-soft); }
	1195	+.taux-badge {
	1196	+ font-family: var(--font-mono); font-size: 9px; font-weight: 700;
	1197	+ text-transform: uppercase; letter-spacing: 0.1em; background: var(--ink);
	1198	+ color: var(--lime); border-radius: 999px; padding: 2px 8px; margin-left: 8px;
	1199	+}
	1200	+.taux-sante { display: flex; flex-wrap: wrap; gap: 8px; }
	1201	+.taux-src {
	1202	+ border: 1.5px solid var(--line-strong); border-radius: 999px;
	1203	+ padding: 6px 12px; font-size: 12.5px; font-weight: 600;
	1204	+ display: inline-flex; align-items: center; gap: 7px;
	1205	+}
	1206	+.taux-src::before { content: ""; width: 8px; height: 8px; border-radius: 50%; }
	1207	+.taux-src-ok::before { background: var(--green, #2f9e44); }
	1208	+.taux-src-warning::before { background: #e8a000; }
	1209	+.taux-src-error::before { background: var(--accent-deep); }

modified immoka/ingest.py +6 −1

		`@@ -105,10 +105,15 @@ def watch(interval_seconds: int = 3600) -> None:`
105	105	f"{ia['sans_image_valide']} annonce(s) sans image valide")
106	106	except Exception as exc:
107	107	print(f"[immo-ka] imgaudit: erreur non bloquante: {exc}", file=sys.stderr)
108		− print(f"[immo-ka] prochaine synchronisation dans {interval_seconds // 60} min")
109	108	try: # estimation Hydro-Québec des nouvelles annonces (cache persistant, coût borné)
110	109	from . import hydro
111	110	hydro.precompute(limit=100, budget=30)
112	111	except Exception as exc:
113	112	print(f"[immoka] hydro: erreur non bloquante: {exc}", file=sys.stderr)
	113	+ try: # taux hypothécaires — collecte espacée (IMMOKA_MORTGAGE_INTERVAL_MIN)
	114	+ from .mortgage import scheduler as mortgage_scheduler
	115	+ mortgage_scheduler.maybe_run()
	116	+ except Exception as exc:
	117	+ print(f"[immo-ka] mortgage: erreur non bloquante: {exc}", file=sys.stderr)
	118	+ print(f"[immo-ka] prochaine synchronisation dans {interval_seconds // 60} min")
114	119	time.sleep(interval_seconds)

added immoka/mortgage/__init__.py +7 −0

		`@@ -0,0 +1,7 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/ : moteur hypothécaire canadien — collecte des taux publiés par les
	5	+# institutions financières, historisation, calculs (composition
	6	+# semestrielle canadienne, SCHL, stress test, abordabilité).
	7	+# -----------------------------------------------------------------------------

added immoka/mortgage/api.py +373 −0

		`@@ -0,0 +1,373 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/api.py : routes /api/mortgage/* — taux courants, meilleur taux,
	5	+# historique, santé des providers, calculateur canadien, abordabilité.
	6	+# Lecture seule sur mortgage.db (le scheduler écrit) ; cache applicatif
	7	+# 5 min sur les lectures ; jamais d'internals de scraping exposés (le champ
	8	+# raw est retiré au niveau du store).
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+import time
	13	+
	14	+from fastapi import APIRouter, Body, HTTPException, Query
	15	+
	16	+from . import calc, cmhc, store
	17	+
	18	+router = APIRouter(prefix="/api/mortgage", tags=["mortgage"])
	19	+
	20	+CACHE_TTL_S = 300
	21	+_cache: dict[str, tuple[float, object]] = {}
	22	+
	23	+RATE_TYPES = {"fixed", "variable", "adjustable", "other"}
	24	+KINDS = {"posted", "special"}
	25	+INSURED = {"insured", "insurable", "uninsured", "unknown"}
	26	+
	27	+
	28	+def _cached(key: str, builder):
	29	+ hit = _cache.get(key)
	30	+ now = time.time()
	31	+ if hit and now - hit[0] < CACHE_TTL_S:
	32	+ return hit[1]
	33	+ value = builder()
	34	+ _cache[key] = (now, value)
	35	+ if len(_cache) > 512: # borne mémoire : purge des entrées expirées
	36	+ for k in [k for k, (t, _) in _cache.items() if now - t >= CACHE_TTL_S]:
	37	+ _cache.pop(k, None)
	38	+ return value
	39	+
	40	+
	41	+def _check(value, allowed: set, label: str):
	42	+ if value is not None and value not in allowed:
	43	+ raise HTTPException(422, f"{label} invalide : {value}")
	44	+ return value
	45	+
	46	+
	47	+@router.get("/rates")
	48	+def rates(rate_type: str \| None = None, term_months: int \| None = None,
	49	+ kind: str \| None = None, insured_status: str \| None = None,
	50	+ purpose: str \| None = Query("purchase"),
	51	+ provider: str \| None = None):
	52	+ """Taux courants (dernière donnée valide par produit), filtrables."""
	53	+ _check(rate_type, RATE_TYPES, "rate_type")
	54	+ _check(kind, KINDS, "kind")
	55	+ _check(insured_status, INSURED, "insured_status")
	56	+ if purpose in ("", "all"):
	57	+ purpose = None
	58	+ key = f"rates\|{rate_type}\|{term_months}\|{kind}\|{insured_status}\|{purpose}\|{provider}"
	59	+
	60	+ def build():
	61	+ con = store.connect()
	62	+ rows = store.current_rates(
	63	+ con, rate_type=rate_type, term_months=term_months, kind=kind,
	64	+ insured_status=insured_status, purpose=purpose, provider=provider)
	65	+ con.close()
	66	+ return {"count": len(rows), "rates": rows,
	67	+ "stale_hours_threshold": store.STALE_H}
	68	+ return _cached(key, build)
	69	+
	70	+
	71	+@router.get("/rates/best")
	72	+def rates_best(rate_type: str = "fixed", term_months: int = 60,
	73	+ insured_status: str \| None = None, purpose: str = "purchase"):
	74	+ """Meilleur taux courant par produit comparable + comparateur par banque."""
	75	+ _check(rate_type, RATE_TYPES, "rate_type")
	76	+ _check(insured_status, INSURED, "insured_status")
	77	+ key = f"best\|{rate_type}\|{term_months}\|{insured_status}\|{purpose}"
	78	+
	79	+ def build():
	80	+ con = store.connect()
	81	+ best = store.best_rate(con, rate_type=rate_type,
	82	+ term_months=term_months,
	83	+ insured_status=insured_status, purpose=purpose)
	84	+ con.close()
	85	+ if best is None:
	86	+ raise HTTPException(404, "Aucun taux courant pour ces critères")
	87	+ return best
	88	+ return _cached(key, build)
	89	+
	90	+
	91	+@router.get("/rates/history")
	92	+def rates_history(rate_type: str = "fixed", term_months: int = 60,
	93	+ provider: str \| None = None, kind: str \| None = None,
	94	+ days: int = 365):
	95	+ """Périodes de validité par produit — reconstruit « le taux X à date ». """
	96	+ _check(rate_type, RATE_TYPES, "rate_type")
	97	+ _check(kind, KINDS, "kind")
	98	+ days = max(1, min(days, 730))
	99	+ key = f"hist\|{rate_type}\|{term_months}\|{provider}\|{kind}\|{days}"
	100	+
	101	+ def build():
	102	+ con = store.connect()
	103	+ rows = store.history(con, rate_type, term_months,
	104	+ provider=provider, kind=kind, days=days)
	105	+ con.close()
	106	+ return {"count": len(rows), "days": days, "history": rows}
	107	+ return _cached(key, build)
	108	+
	109	+
	110	+@router.get("/providers")
	111	+def providers():
	112	+ """Santé des connecteurs de taux (OK / WARNING / ERROR + fraîcheur)."""
	113	+ def build():
	114	+ from .providers import PROVIDERS
	115	+ con = store.connect()
	116	+ health = store.provider_health(con)
	117	+ con.close()
	118	+ names = {slug: cls.institution for slug, cls in PROVIDERS.items()}
	119	+ urls = {slug: cls.source_url for slug, cls in PROVIDERS.items()}
	120	+ out = []
	121	+ for h in health:
	122	+ out.append({
	123	+ "provider": h["provider"],
	124	+ "institution": names.get(h["provider"], h["provider"]),
	125	+ "source_url": urls.get(h["provider"]),
	126	+ "level": h["level"],
	127	+ "status": h["status"],
	128	+ "age_minutes": h["age_minutes"],
	129	+ "current_products": h["current_products"],
	130	+ "last_data_at": h["last_data_at"],
	131	+ })
	132	+ return {"providers": out,
	133	+ "registered": sorted(names),
	134	+ "stale_hours_threshold": store.STALE_H}
	135	+ return _cached("providers", build)
	136	+
	137	+
	138	+@router.get("/market")
	139	+def market(rate_type: str = "fixed", term_months: int = 60):
	140	+ """Métriques Mortgage Intelligence pour un produit donné."""
	141	+ _check(rate_type, RATE_TYPES, "rate_type")
	142	+
	143	+ def build():
	144	+ con = store.connect()
	145	+ stats = store.market_stats(con, rate_type=rate_type,
	146	+ term_months=term_months)
	147	+ con.close()
	148	+ if stats is None:
	149	+ raise HTTPException(404, "Aucun taux courant pour ces critères")
	150	+ return stats
	151	+ return _cached(f"market\|{rate_type}\|{term_months}", build)
	152	+
	153	+
	154	+@router.get("/intelligence")
	155	+def intelligence():
	156	+ """Vue d'ensemble du marché : les produits phares en un appel."""
	157	+ def build():
	158	+ con = store.connect()
	159	+ combos = [("fixed", 12), ("fixed", 36), ("fixed", 48),
	160	+ ("fixed", 60), ("fixed", 120), ("variable", 60)]
	161	+ grid = []
	162	+ for rtype, term in combos:
	163	+ s = store.market_stats(con, rate_type=rtype, term_months=term)
	164	+ if s:
	165	+ grid.append(s)
	166	+ prime_rows = store.current_rates(con, rate_type="other")
	167	+ con.close()
	168	+ prime = [{"institution": r["institution"], "rate": r["rate"],
	169	+ "product_name": r["product_name"],
	170	+ "age_minutes": r["age_minutes"]}
	171	+ for r in prime_rows if "préférentiel" in
	172	+ (r["product_name"] or "").lower() or "prime" in
	173	+ (r["product_name"] or "").lower()]
	174	+ return {"products": grid, "prime_rates": prime}
	175	+ return _cached("intelligence", build)
	176	+
	177	+
	178	+# ---------------------------------------------------------------------------
	179	+# Calculateur
	180	+# ---------------------------------------------------------------------------
	181	+
	182	+def _pick_rate(rate_type: str, term_months: int,
	183	+ insured_status: str \| None) -> dict \| None:
	184	+ con = store.connect()
	185	+ best = store.best_rate(con, rate_type=rate_type, term_months=term_months,
	186	+ insured_status=insured_status)
	187	+ con.close()
	188	+ return best
	189	+
	190	+
	191	+def _validate_scenario(price: float, down: float, amort: int, term: int,
	192	+ frequency: str) -> None:
	193	+ if price <= 0 or price > 100_000_000:
	194	+ raise HTTPException(422, "Prix invalide")
	195	+ if down < 0 or down >= price:
	196	+ raise HTTPException(422, "Mise de fonds invalide")
	197	+ if amort not in calc.AMORTIZATIONS_YEARS and not (5 <= amort <= 30):
	198	+ raise HTTPException(422, "Amortissement invalide (5–30 ans)")
	199	+ if not 3 <= term <= 120:
	200	+ raise HTTPException(422, "Terme invalide (3–120 mois)")
	201	+ if frequency not in calc.FREQUENCIES:
	202	+ raise HTTPException(422, f"Fréquence invalide : {frequency}")
	203	+
	204	+
	205	+@router.post("/calculate")
	206	+def calculate(body: dict = Body(...)):
	207	+ """Calcul hypothécaire canadien complet pour un scénario.
	208	+
	209	+ Entrées : price, down_payment (ou down_payment_pct), amortization_years,
	210	+ term_months, frequency, rate_type, rate (sinon meilleur taux observé),
	211	+ insured_status?, include_schedule?, income?, other_debts_monthly?,
	212	+ property_tax_monthly?, heating_monthly?, condo_fees_monthly?.
	213	+ """
	214	+ try:
	215	+ price = float(body.get("price") or 0)
	216	+ if body.get("down_payment") is not None:
	217	+ down = float(body["down_payment"])
	218	+ else:
	219	+ down = price * float(body.get("down_payment_pct") or 20) / 100
	220	+ amort = int(body.get("amortization_years") or 25)
	221	+ term = int(body.get("term_months") or 60)
	222	+ frequency = str(body.get("frequency") or "monthly")
	223	+ rate_type = str(body.get("rate_type") or "fixed")
	224	+ except (TypeError, ValueError):
	225	+ raise HTTPException(422, "Paramètres numériques invalides")
	226	+ _check(rate_type, {"fixed", "variable"}, "rate_type")
	227	+ _validate_scenario(price, down, amort, term, frequency)
	228	+
	229	+ quote = cmhc.insurance_quote(price, down, amort)
	230	+ rate_source = None
	231	+ rate = body.get("rate")
	232	+ if rate is None:
	233	+ insured = "insured" if quote["required"] and quote["eligible"] else None
	234	+ best = _pick_rate(rate_type, term, insured)
	235	+ if best is None:
	236	+ raise HTTPException(
	237	+ 503, "Aucun taux courant disponible — réessayez plus tard")
	238	+ rate = best["rate"]
	239	+ rate_source = {k: best[k] for k in
	240	+ ("provider", "institution", "product_name", "kind",
	241	+ "rate", "apr", "insured_status", "source_url",
	242	+ "last_checked", "age_minutes", "stale")}
	243	+ rate = float(rate)
	244	+ if not 0 < rate <= 25:
	245	+ raise HTTPException(422, "Taux invalide")
	246	+ if quote["required"] and not quote["eligible"]:
	247	+ principal = price - down # non assurable : calcul quand même, signalé
	248	+ else:
	249	+ principal = quote["total_mortgage"] if quote["required"] else price - down
	250	+
	251	+ compounding = "semi-annual" if rate_type == "fixed" else "monthly"
	252	+ pay = calc.payment(principal, rate, amort, frequency, compounding)
	253	+ monthly_eq = calc.payment(principal, rate, amort, "monthly", compounding)
	254	+ q_rate = calc.qualifying_rate(rate)
	255	+ q_pay = calc.payment(principal, q_rate, amort, frequency, compounding)
	256	+ out = {
	257	+ "inputs": {"price": price, "down_payment": round(down, 2),
	258	+ "down_payment_pct": round(down / price * 100, 2),
	259	+ "rate": rate, "rate_type": rate_type,
	260	+ "term_months": term, "amortization_years": amort,
	261	+ "frequency": frequency, "compounding": compounding},
	262	+ "insurance": quote,
	263	+ "principal": round(principal, 2),
	264	+ "payment": pay,
	265	+ "payment_monthly_equivalent": monthly_eq,
	266	+ "qualifying": {"rate": q_rate, "payment": q_pay,
	267	+ "note": "Test de résistance : max(taux + 2, 5,25 %)"},
	268	+ "term": calc.term_summary(principal, rate, amort, term,
	269	+ frequency, compounding),
	270	+ "stress": calc.stress_scenarios(principal, rate, amort,
	271	+ frequency, compounding),
	272	+ "renewal": calc.renewal_scenarios(principal, rate, amort, term,
	273	+ frequency, compounding),
	274	+ "payoff_years": calc.payoff_years(principal, rate, amort,
	275	+ frequency, compounding),
	276	+ "rate_source": rate_source,
	277	+ }
	278	+ rows = calc.schedule(principal, rate, amort, frequency, compounding)
	279	+ out["annual"] = calc.annual_rollup(rows, frequency)
	280	+ if body.get("include_schedule"):
	281	+ out["schedule"] = rows
	282	+ income = body.get("income")
	283	+ if income:
	284	+ out["ratios"] = calc.gds_tds(
	285	+ float(income), monthly_eq,
	286	+ float(body.get("property_tax_monthly") or 0),
	287	+ float(body.get("heating_monthly") or 0),
	288	+ float(body.get("condo_fees_monthly") or 0),
	289	+ float(body.get("other_debts_monthly") or 0))
	290	+ return out
	291	+
	292	+
	293	+@router.post("/affordability")
	294	+def affordability(body: dict = Body(...)):
	295	+ """Capacité d'achat : prix max selon un versement cible OU selon les
	296	+ revenus (ABD/ATD au taux de qualification) ; taux requis pour un
	297	+ versement cible vs meilleur taux observé."""
	298	+ try:
	299	+ amort = int(body.get("amortization_years") or 25)
	300	+ term = int(body.get("term_months") or 60)
	301	+ frequency = str(body.get("frequency") or "monthly")
	302	+ rate_type = str(body.get("rate_type") or "fixed")
	303	+ down = float(body.get("down_payment") or 0)
	304	+ except (TypeError, ValueError):
	305	+ raise HTTPException(422, "Paramètres numériques invalides")
	306	+ _check(rate_type, {"fixed", "variable"}, "rate_type")
	307	+ if frequency not in calc.FREQUENCIES:
	308	+ raise HTTPException(422, f"Fréquence invalide : {frequency}")
	309	+
	310	+ rate = body.get("rate")
	311	+ rate_source = None
	312	+ if rate is None:
	313	+ best = _pick_rate(rate_type, term, None)
	314	+ if best is None:
	315	+ raise HTTPException(
	316	+ 503, "Aucun taux courant disponible — réessayez plus tard")
	317	+ rate = best["rate"]
	318	+ rate_source = {k: best[k] for k in
	319	+ ("provider", "institution", "product_name", "kind",
	320	+ "rate", "source_url", "age_minutes", "stale")}
	321	+ rate = float(rate)
	322	+ if not 0 < rate <= 25:
	323	+ raise HTTPException(422, "Taux invalide")
	324	+ compounding = "semi-annual" if rate_type == "fixed" else "monthly"
	325	+ q_rate = calc.qualifying_rate(rate)
	326	+ out: dict = {"rate": rate, "qualifying_rate": q_rate,
	327	+ "rate_source": rate_source}
	328	+
	329	+ target = body.get("target_payment_monthly")
	330	+ if target:
	331	+ target = float(target)
	332	+ loan = calc.max_loan(target, rate, amort, "monthly", compounding)
	333	+ loan_q = calc.max_loan(target, q_rate, amort, "monthly", compounding)
	334	+ out["from_payment"] = {
	335	+ "target_payment_monthly": target,
	336	+ "max_loan": loan, "max_price": round(loan + down, 2),
	337	+ "max_loan_stress_tested": loan_q,
	338	+ "max_price_stress_tested": round(loan_q + down, 2),
	339	+ }
	340	+ income = body.get("income")
	341	+ if income:
	342	+ income = float(income)
	343	+ gds_room = income / 12 * 0.39 \
	344	+ - float(body.get("property_tax_monthly") or 0) \
	345	+ - float(body.get("heating_monthly") or 0) \
	346	+ - float(body.get("condo_fees_monthly") or 0) * 0.5
	347	+ tds_room = income / 12 * 0.44 \
	348	+ - float(body.get("property_tax_monthly") or 0) \
	349	+ - float(body.get("heating_monthly") or 0) \
	350	+ - float(body.get("condo_fees_monthly") or 0) * 0.5 \
	351	+ - float(body.get("other_debts_monthly") or 0)
	352	+ room = max(0.0, min(gds_room, tds_room))
	353	+ loan_q = calc.max_loan(room, q_rate, amort, "monthly", compounding)
	354	+ out["from_income"] = {
	355	+ "income": income, "max_payment_monthly": round(room, 2),
	356	+ "max_loan_stress_tested": loan_q,
	357	+ "max_price_estimate": round(loan_q + down, 2),
	358	+ "note": ("Indicatif seulement (ABD 39 % / ATD 44 % au taux de "
	359	+ "qualification) — ne constitue pas une préapprobation."),
	360	+ }
	361	+ principal = body.get("principal")
	362	+ target_rate_payment = body.get("required_rate_for_payment")
	363	+ if principal and target_rate_payment:
	364	+ req = calc.required_rate(float(principal), float(target_rate_payment),
	365	+ amort, "monthly", compounding)
	366	+ out["required_rate"] = {
	367	+ "principal": float(principal),
	368	+ "target_payment_monthly": float(target_rate_payment),
	369	+ "rate": req,
	370	+ "achievable_now": req is not None and req >= rate,
	371	+ "best_observed": rate,
	372	+ }
	373	+ return out

added immoka/mortgage/calc.py +257 −0

		`@@ -0,0 +1,257 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/calc.py : mathématiques hypothécaires canadiennes.
	5	+# Taux fixes : intérêt composé SEMESTRIELLEMENT, non à l'avance (Loi sur
	6	+# l'intérêt, art. 6) — jamais la formule américaine (composition mensuelle).
	7	+# Taux variables : composition mensuelle (convention majoritaire des
	8	+# prêteurs canadiens).
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+import math
	13	+
	14	+# Fréquences de paiement : nombre de versements par année.
	15	+FREQUENCIES: dict[str, int] = {
	16	+ "monthly": 12,
	17	+ "semimonthly": 24,
	18	+ "biweekly": 26,
	19	+ "accelerated-biweekly": 26,
	20	+ "weekly": 52,
	21	+ "accelerated-weekly": 52,
	22	+}
	23	+
	24	+# Taux de qualification minimal (test de résistance B-20 / ligne directrice
	25	+# du BSIF) : max(taux contractuel + 2 points, plancher).
	26	+STRESS_TEST_FLOOR = 5.25
	27	+STRESS_TEST_BUFFER = 2.0
	28	+
	29	+AMORTIZATIONS_YEARS = [10, 15, 20, 25, 30]
	30	+TERMS_MONTHS = [12, 24, 36, 48, 60, 84, 120]
	31	+
	32	+
	33	+def periodic_rate(annual_pct: float, frequency: str = "monthly",
	34	+ compounding: str = "semi-annual") -> float:
	35	+ """Taux périodique équivalent au taux nominal annuel `annual_pct` (%).
	36	+
	37	+ compounding="semi-annual" : convention canadienne des prêts fixes —
	38	+ i = (1 + r/2)^(2/f) − 1. "monthly" : prêts variables — i = (1+r/12)^(12/f) − 1.
	39	+ """
	40	+ if annual_pct < 0:
	41	+ raise ValueError("taux négatif")
	42	+ f = FREQUENCIES[frequency]
	43	+ r = annual_pct / 100.0
	44	+ if compounding == "monthly":
	45	+ return (1.0 + r / 12.0) ** (12.0 / f) - 1.0
	46	+ return (1.0 + r / 2.0) ** (2.0 / f) - 1.0
	47	+
	48	+
	49	+def payment(principal: float, annual_pct: float, amort_years: float,
	50	+ frequency: str = "monthly",
	51	+ compounding: str = "semi-annual") -> float:
	52	+ """Versement périodique (arrondi au cent).
	53	+
	54	+ Fréquences accélérées : convention canadienne — le versement mensuel
	55	+ divisé par 2 (aux deux semaines) ou par 4 (hebdomadaire), ce qui raccourcit
	56	+ l'amortissement réel.
	57	+ """
	58	+ if principal <= 0:
	59	+ return 0.0
	60	+ if frequency in ("accelerated-biweekly", "accelerated-weekly"):
	61	+ m = payment(principal, annual_pct, amort_years, "monthly", compounding)
	62	+ return round(m / (2 if frequency == "accelerated-biweekly" else 4), 2)
	63	+ i = periodic_rate(annual_pct, frequency, compounding)
	64	+ n = round(amort_years * FREQUENCIES[frequency])
	65	+ if i == 0:
	66	+ return round(principal / n, 2)
	67	+ return round(principal * i / (1.0 - (1.0 + i) ** -n), 2)
	68	+
	69	+
	70	+def schedule(principal: float, annual_pct: float, amort_years: float,
	71	+ frequency: str = "monthly", compounding: str = "semi-annual",
	72	+ pay_amount: float \| None = None,
	73	+ max_periods: int \| None = None) -> list[dict]:
	74	+ """Tableau d'amortissement complet : [{n, payment, interest, principal,
	75	+ balance}]. Le dernier versement est ajusté au solde exact. Les fréquences
	76	+ accélérées s'éteignent avant l'amortissement contractuel (comportement
	77	+ attendu). `max_periods` borne la simulation (ex. durée du terme)."""
	78	+ if principal <= 0:
	79	+ return []
	80	+ i = periodic_rate(annual_pct, frequency, compounding)
	81	+ pmt = pay_amount if pay_amount is not None else payment(
	82	+ principal, annual_pct, amort_years, frequency, compounding)
	83	+ if pmt <= 0:
	84	+ return []
	85	+ hard_cap = round(amort_years * FREQUENCIES[frequency]) + FREQUENCIES[frequency]
	86	+ if frequency.startswith("accelerated"):
	87	+ hard_cap = round(40 * FREQUENCIES[frequency]) # s'éteint plus tôt
	88	+ limit = min(max_periods, hard_cap) if max_periods else hard_cap
	89	+ rows: list[dict] = []
	90	+ bal = round(principal, 2)
	91	+ n = 0
	92	+ while bal > 0.005 and n < limit:
	93	+ n += 1
	94	+ interest = round(bal * i, 2)
	95	+ cap = round(pmt - interest, 2)
	96	+ if cap <= 0 and n > 1:
	97	+ break # paiement insuffisant : ne jamais boucler à l'infini
	98	+ if cap >= bal: # dernier versement ajusté
	99	+ cap = bal
	100	+ row_pay = round(cap + interest, 2)
	101	+ else:
	102	+ row_pay = pmt
	103	+ bal = round(bal - cap, 2)
	104	+ rows.append({"n": n, "payment": row_pay, "interest": interest,
	105	+ "principal": cap, "balance": bal})
	106	+ return rows
	107	+
	108	+
	109	+def annual_rollup(rows: list[dict], frequency: str = "monthly") -> list[dict]:
	110	+ """Agrège un tableau d'amortissement par année de prêt."""
	111	+ f = FREQUENCIES[frequency]
	112	+ out: list[dict] = []
	113	+ for r in rows:
	114	+ year = (r["n"] - 1) // f + 1
	115	+ if not out or out[-1]["year"] != year:
	116	+ out.append({"year": year, "payment": 0.0, "interest": 0.0,
	117	+ "principal": 0.0, "balance": r["balance"]})
	118	+ acc = out[-1]
	119	+ acc["payment"] = round(acc["payment"] + r["payment"], 2)
	120	+ acc["interest"] = round(acc["interest"] + r["interest"], 2)
	121	+ acc["principal"] = round(acc["principal"] + r["principal"], 2)
	122	+ acc["balance"] = r["balance"]
	123	+ return out
	124	+
	125	+
	126	+def term_summary(principal: float, annual_pct: float, amort_years: float,
	127	+ term_months: int, frequency: str = "monthly",
	128	+ compounding: str = "semi-annual") -> dict:
	129	+ """Bilan du terme : versement, nombre de versements, capital payé,
	130	+ intérêts payés, solde à l'échéance du terme."""
	131	+ f = FREQUENCIES[frequency]
	132	+ n_term = round(f * term_months / 12)
	133	+ rows = schedule(principal, annual_pct, amort_years, frequency,
	134	+ compounding, max_periods=n_term)
	135	+ pmt = payment(principal, annual_pct, amort_years, frequency, compounding)
	136	+ interest = round(sum(r["interest"] for r in rows), 2)
	137	+ cap = round(sum(r["principal"] for r in rows), 2)
	138	+ balance = rows[-1]["balance"] if rows else round(principal, 2)
	139	+ payments_per_year = f
	140	+ return {
	141	+ "payment": pmt,
	142	+ "frequency": frequency,
	143	+ "payments_per_year": payments_per_year,
	144	+ "payments_in_term": len(rows),
	145	+ "annual_cost": round(pmt * payments_per_year, 2),
	146	+ "principal_paid": cap,
	147	+ "interest_paid": interest,
	148	+ "balance_end_of_term": balance,
	149	+ "paid_off": balance <= 0.005,
	150	+ }
	151	+
	152	+
	153	+def payoff_years(principal: float, annual_pct: float, amort_years: float,
	154	+ frequency: str, compounding: str = "semi-annual") -> float:
	155	+ """Durée réelle d'extinction (années) — utile pour les fréquences
	156	+ accélérées qui raccourcissent l'amortissement."""
	157	+ rows = schedule(principal, annual_pct, amort_years, frequency, compounding)
	158	+ if not rows or rows[-1]["balance"] > 0.005:
	159	+ return float(amort_years)
	160	+ return round(len(rows) / FREQUENCIES[frequency], 2)
	161	+
	162	+
	163	+def max_loan(target_payment: float, annual_pct: float, amort_years: float,
	164	+ frequency: str = "monthly",
	165	+ compounding: str = "semi-annual") -> float:
	166	+ """Prêt maximal finançable avec un versement donné (calcul inverse)."""
	167	+ if target_payment <= 0:
	168	+ return 0.0
	169	+ if frequency in ("accelerated-biweekly", "accelerated-weekly"):
	170	+ # équivalent : versement mensuel = paiement × 2 ou × 4
	171	+ mult = 2 if frequency == "accelerated-biweekly" else 4
	172	+ return max_loan(target_payment * mult, annual_pct, amort_years,
	173	+ "monthly", compounding)
	174	+ i = periodic_rate(annual_pct, frequency, compounding)
	175	+ n = round(amort_years * FREQUENCIES[frequency])
	176	+ if i == 0:
	177	+ return round(target_payment * n, 2)
	178	+ return round(target_payment * (1.0 - (1.0 + i) ** -n) / i, 2)
	179	+
	180	+
	181	+def required_rate(principal: float, target_payment: float, amort_years: float,
	182	+ frequency: str = "monthly",
	183	+ compounding: str = "semi-annual") -> float \| None:
	184	+ """Taux annuel (%) tel que le versement du prêt = `target_payment`.
	185	+ Bisection sur [0, 25]. None si même 0 % ne suffit pas."""
	186	+ if principal <= 0 or target_payment <= 0:
	187	+ return None
	188	+ if payment(principal, 0.0, amort_years, frequency, compounding) > target_payment:
	189	+ return None
	190	+ lo, hi = 0.0, 25.0
	191	+ if payment(principal, hi, amort_years, frequency, compounding) < target_payment:
	192	+ return hi
	193	+ for _ in range(60):
	194	+ mid = (lo + hi) / 2
	195	+ if payment(principal, mid, amort_years, frequency, compounding) > target_payment:
	196	+ hi = mid
	197	+ else:
	198	+ lo = mid
	199	+ return round(lo, 2)
	200	+
	201	+
	202	+def qualifying_rate(contract_pct: float) -> float:
	203	+ """Taux de qualification du test de résistance canadien."""
	204	+ return round(max(contract_pct + STRESS_TEST_BUFFER, STRESS_TEST_FLOOR), 2)
	205	+
	206	+
	207	+def stress_scenarios(principal: float, annual_pct: float, amort_years: float,
	208	+ frequency: str = "monthly",
	209	+ compounding: str = "semi-annual",
	210	+ bumps: tuple = (0.0, 1.0, 2.0, 3.0)) -> list[dict]:
	211	+ """« Et si les taux montent ? » — versement à +0/+1/+2/+3 points."""
	212	+ return [{
	213	+ "bump": b,
	214	+ "rate": round(annual_pct + b, 2),
	215	+ "payment": payment(principal, annual_pct + b, amort_years,
	216	+ frequency, compounding),
	217	+ } for b in bumps]
	218	+
	219	+
	220	+def renewal_scenarios(principal: float, annual_pct: float, amort_years: float,
	221	+ term_months: int, frequency: str = "monthly",
	222	+ compounding: str = "semi-annual",
	223	+ bumps: tuple = (-1.0, 0.0, 1.0, 2.0)) -> dict:
	224	+ """Scénario de renouvellement : solde restant à la fin du terme, puis
	225	+ versement recalculé sur l'amortissement résiduel à divers taux."""
	226	+ summary = term_summary(principal, annual_pct, amort_years, term_months,
	227	+ frequency, compounding)
	228	+ balance = summary["balance_end_of_term"]
	229	+ remaining_years = max(amort_years - term_months / 12.0, 1.0)
	230	+ rows = []
	231	+ for b in bumps:
	232	+ r = round(annual_pct + b, 2)
	233	+ if r <= 0 or balance <= 0:
	234	+ continue
	235	+ rows.append({"bump": b, "rate": r,
	236	+ "payment": payment(balance, r, remaining_years,
	237	+ frequency, compounding)})
	238	+ return {"balance_at_renewal": balance,
	239	+ "remaining_amortization_years": round(remaining_years, 1),
	240	+ "scenarios": rows}
	241	+
	242	+
	243	+def gds_tds(gross_annual_income: float, mortgage_payment_monthly: float,
	244	+ property_tax_monthly: float = 0.0, heating_monthly: float = 0.0,
	245	+ condo_fees_monthly: float = 0.0,
	246	+ other_debts_monthly: float = 0.0) -> dict:
	247	+ """Ratios ABD/ATD (GDS/TDS). Convention : 50 % des frais de copropriété.
	248	+ Seuils usuels assurés SCHL : ABD ≤ 39 %, ATD ≤ 44 %. Informatif seulement."""
	249	+ if gross_annual_income <= 0:
	250	+ return {"gds": None, "tds": None, "gds_ok": None, "tds_ok": None}
	251	+ monthly_income = gross_annual_income / 12.0
	252	+ housing = (mortgage_payment_monthly + property_tax_monthly +
	253	+ heating_monthly + 0.5 * condo_fees_monthly)
	254	+ gds = round(100.0 * housing / monthly_income, 1)
	255	+ tds = round(100.0 * (housing + other_debts_monthly) / monthly_income, 1)
	256	+ return {"gds": gds, "tds": tds, "gds_ok": gds <= 39.0, "tds_ok": tds <= 44.0,
	257	+ "gds_limit": 39.0, "tds_limit": 44.0}

added immoka/mortgage/cmhc.py +123 −0

		`@@ -0,0 +1,123 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/cmhc.py : assurance prêt hypothécaire (SCHL / Sagen / Canada
	5	+# Guaranty). Règles et barèmes isolés ici pour être mis à jour facilement.
	6	+# Barème standard en vigueur (2026) — primes en % du prêt selon le
	7	+# rapport prêt-valeur (RPV).
	8	+# -----------------------------------------------------------------------------
	9	+from __future__ import annotations
	10	+
	11	+# (RPV maximal, prime en % du prêt)
	12	+PREMIUM_TABLE: list[tuple[float, float]] = [
	13	+ (0.65, 0.0060),
	14	+ (0.75, 0.0170),
	15	+ (0.80, 0.0240),
	16	+ (0.85, 0.0280),
	17	+ (0.90, 0.0310),
	18	+ (0.95, 0.0400),
	19	+]
	20	+
	21	+# Surprime pour amortissement assuré de 30 ans (premier acheteur / neuf,
	22	+# admissible depuis déc. 2024).
	23	+SURCHARGE_30Y = 0.0020
	24	+
	25	+# Prix maximal admissible à l'assurance (porté de 1 M$ à 1,5 M$ en déc. 2024).
	26	+MAX_INSURABLE_PRICE = 1_500_000
	27	+
	28	+# Amortissement maximal assuré (30 ans seulement premier acheteur / neuf).
	29	+MAX_INSURED_AMORTIZATION = 25
	30	+MAX_INSURED_AMORTIZATION_FTHB = 30
	31	+
	32	+# Taxe de vente du Québec sur la prime (payable comptant à la clôture,
	33	+# jamais ajoutée au prêt).
	34	+QC_TAX_ON_PREMIUM = 0.09975
	35	+
	36	+
	37	+def min_down_payment(price: float) -> float:
	38	+ """Mise de fonds minimale légale au Canada.
	39	+ 5 % de la première tranche de 500 000 $, 10 % de l'excédent jusqu'à
	40	+ 1,5 M$ ; 20 % à compter de 1,5 M$."""
	41	+ if price <= 0:
	42	+ return 0.0
	43	+ if price >= MAX_INSURABLE_PRICE:
	44	+ return round(0.20 * price, 2)
	45	+ return round(0.05 * min(price, 500_000) + 0.10 * max(0.0, price - 500_000), 2)
	46	+
	47	+
	48	+def premium_rate(ltv: float, amort_years: int = 25) -> float \| None:
	49	+ """Taux de prime selon le RPV. None si RPV > 95 % (non assurable)."""
	50	+ if ltv <= 0:
	51	+ return 0.0
	52	+ for cap, rate in PREMIUM_TABLE:
	53	+ if ltv <= cap + 1e-9:
	54	+ extra = SURCHARGE_30Y if amort_years > 25 else 0.0
	55	+ return rate + extra
	56	+ return None
	57	+
	58	+
	59	+def insurance_quote(price: float, down_payment: float,
	60	+ amort_years: int = 25) -> dict:
	61	+ """Décomposition complète de l'assurance prêt hypothécaire.
	62	+
	63	+ Retourne : required (bool), eligible (bool), premium, premium_rate,
	64	+ loan_before, total_mortgage, qc_tax (payable comptant), ltv, issues[].
	65	+ Ne devine rien : si le scénario est inadmissible, le dit explicitement.
	66	+ """
	67	+ issues: list[str] = []
	68	+ if price <= 0 or down_payment < 0 or down_payment >= price:
	69	+ return {"required": False, "eligible": False, "premium": 0.0,
	70	+ "premium_rate": 0.0, "loan_before": max(price - down_payment, 0.0),
	71	+ "total_mortgage": max(price - down_payment, 0.0),
	72	+ "qc_tax": 0.0, "ltv": None, "issues": ["paramètres invalides"]}
	73	+ loan = round(price - down_payment, 2)
	74	+ ltv = loan / price
	75	+ required = ltv > 0.80 + 1e-9
	76	+ if not required:
	77	+ return {"required": False, "eligible": True, "premium": 0.0,
	78	+ "premium_rate": 0.0, "loan_before": loan,
	79	+ "total_mortgage": loan, "qc_tax": 0.0,
	80	+ "ltv": round(ltv * 100, 2), "issues": issues}
	81	+ # Prêt assuré : vérifier l'admissibilité.
	82	+ eligible = True
	83	+ if price >= MAX_INSURABLE_PRICE:
	84	+ eligible = False
	85	+ issues.append("prix ≥ 1,5 M$ : assurance non disponible — mise de "
	86	+ "fonds de 20 % requise")
	87	+ if down_payment < min_down_payment(price) - 0.01:
	88	+ eligible = False
	89	+ issues.append("mise de fonds sous le minimum légal "
	90	+ f"({min_down_payment(price):,.0f} $)".replace(",", " "))
	91	+ if amort_years > MAX_INSURED_AMORTIZATION_FTHB:
	92	+ eligible = False
	93	+ issues.append("amortissement > 30 ans impossible pour un prêt assuré")
	94	+ elif amort_years > MAX_INSURED_AMORTIZATION:
	95	+ issues.append("30 ans assuré : réservé premier acheteur ou "
	96	+ "construction neuve (surprime de 0,20 %)")
	97	+ rate = premium_rate(ltv, amort_years) if eligible else None
	98	+ if rate is None and eligible:
	99	+ eligible = False
	100	+ issues.append("rapport prêt-valeur > 95 % : non assurable")
	101	+ premium = round(loan * rate, 2) if (eligible and rate) else 0.0
	102	+ return {
	103	+ "required": True,
	104	+ "eligible": eligible,
	105	+ "premium": premium,
	106	+ "premium_rate": round((rate or 0.0) * 100, 2),
	107	+ "loan_before": loan,
	108	+ "total_mortgage": round(loan + premium, 2),
	109	+ "qc_tax": round(premium * QC_TAX_ON_PREMIUM, 2),
	110	+ "ltv": round(ltv * 100, 2),
	111	+ "issues": issues,
	112	+ }
	113	+
	114	+
	115	+def allowed_amortizations(price: float, down_payment: float) -> list[int]:
	116	+ """Amortissements permis pour un scénario donné (25 ans max si assuré,
	117	+ 30 ans si mise de fonds ≥ 20 % — ou premier acheteur/neuf assuré)."""
	118	+ if price <= 0:
	119	+ return [10, 15, 20, 25, 30]
	120	+ ltv = (price - down_payment) / price
	121	+ if ltv > 0.80:
	122	+ return [10, 15, 20, 25, 30] # 30 = cas particulier (signalé par issues)
	123	+ return [10, 15, 20, 25, 30]

added immoka/mortgage/providers/README.md +85 −0

		`@@ -0,0 +1,85 @@`
	1	+# Providers de taux hypothécaires
	2	+
	3	+Un connecteur indépendant par institution. Auto-découverte : tout module du
	4	+dossier définissant une sous-classe de `RateProvider` avec un `provider_id`
	5	+non vide est enregistré dans `PROVIDERS` automatiquement (aucun registre à
	6	+éditer). La panne d'un provider n'affecte jamais les autres.
	7	+
	8	+Règle absolue : aucun taux inventé. Un produit non confirmé sur la page
	9	+officielle est simplement omis — jamais deviné, jamais de valeur par défaut.
	10	+
	11	+## Ajouter une institution (8 étapes)
	12	+
	13	+1. Créer `<slug>.py` dans ce dossier, avec une sous-classe de
	14	+ `RateProvider` :
	15	+
	16	+ ```python
	17	+ from .base import RateProvider
	18	+
	19	+ class MaBanque(RateProvider):
	20	+ provider_id = "ma_banque" # slug stable (clé BD)
	21	+ institution = "Ma Banque" # nom d'affichage fr-CA
	22	+ source_url = "https://mabanque.ca/taux-hypothecaires"
	23	+
	24	+ def fetch(self) -> list[dict]:
	25	+ html = self.get(self.source_url).text # ou .json()
	26	+ return self.parse(html)
	27	+
	28	+ def parse(self, html: str) -> list[dict]:
	29	+ ... # → [self.make_product(...), ...]
	30	+ ```
	31	+
	32	+ Séparer `fetch()` (réseau) de `parse()` (pur) : les tests appellent
	33	+ `parse()` sur des fixtures, sans réseau.
	34	+
	35	+2. Backend réseau : `self.get(url)` (requests + politesse `request_delay`)
	36	+ d'abord ; `self.get_scrapfly(url, render_js=True)` **en dernier recours
	37	+ seulement** si le site bloque (403/JS requis).
	38	+
	39	+3. Normaliser chaque produit via `self.make_product(...)` :
	40	+ - `rate_type` : `fixed` / `variable` — ou **`other` pour tout taux
	41	+ préférentiel/prime/référence** (avec `purpose="unknown"`), afin qu'il ne
	42	+ tombe jamais dans un classement « meilleur taux d'achat » ;
	43	+ - `kind` : `posted` (affiché) ou `special` (offre spéciale) — ne jamais
	44	+ confondre ;
	45	+ - `insured_status` : `insured` / `insurable` / `uninsured`, ou `unknown`
	46	+ si la page ne le précise pas — ne pas deviner ;
	47	+ - `product_name` en français, explicite (ex. « Fixe fermé 5 ans ») ;
	48	+ - `apr` (TAP) seulement s'il est publié.
	49	+
	50	+4. Aucune écriture BD dans le provider : le scheduler valide
	51	+ (`validate_batch`) puis enregistre (`store.record_observations`). Ne pas
	52	+ filtrer soi-même les aberrations — la validation s'en charge et journalise.
	53	+
	54	+5. Fixture : sauvegarder la réponse réelle (HTML/JSON) dans
	55	+ `tests/fixtures/mortgage/<slug>.<ext>` (anonymisée si besoin, taille
	56	+ raisonnable — garder le bloc utile).
	57	+
	58	+6. Test : ajouter le slug dans `EXPECTED` de
	59	+ `tests/test_mortgage_providers.py` (fixture + nombre exact de produits) ;
	60	+ le test générique vérifie déjà validation propre, `source_url`,
	61	+ `institution` et la règle « préférentiel → other/unknown ». Ajouter un
	62	+ test ciblé sur 1–2 valeurs connues de la fixture.
	63	+
	64	+7. Exécuter :
	65	+
	66	+ ```bash
	67	+ PYTHONPATH=. .venv/bin/python -P -m unittest tests.test_mortgage_providers
	68	+ .venv/bin/python run.py mortgage-sync ma_banque # collecte réelle
	69	+ .venv/bin/python run.py mortgage-status # santé
	70	+ ```
	71	+
	72	+8. Vérifier en BD/API : `GET /api/mortgage/rates?provider=ma_banque` —
	73	+ provenance (`source_url`), fraîcheur et nature correctes. C'est tout :
	74	+ ni web.py, ni le scheduler, ni le frontend n'ont besoin d'être modifiés.
	75	+
	76	+## Pièges connus
	77	+
	78	+- `4.19 % → 419` : toujours vérifier l'échelle ; la validation rejette
	79	+ > 24 %, mais un « 41,9 » passerait — parser au bon endroit.
	80	+- Pages avec plusieurs onglets (assuré/non assuré) : étiqueter
	81	+ `insured_status` correctement plutôt que de tout mélanger.
	82	+- Taux « ouverts » vs « fermés » : les distinguer dans `product_name`
	83	+ (ex. BNC publie « Fixe ouvert 1 an » à 9,65 % — ce n'est pas une erreur).
	84	+- Ne jamais soumettre de formulaire ni simuler une demande de prêt : pages
	85	+ publiques de taux uniquement.

added immoka/mortgage/providers/__init__.py +25 −0

		`@@ -0,0 +1,25 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/ : un connecteur indépendant par institution financière.
	5	+# Auto-découverte : tout module du dossier définissant une sous-classe de
	6	+# RateProvider avec provider_id non vide est enregistré automatiquement
	7	+# (même mécanique que immoka/connectors/).
	8	+# -----------------------------------------------------------------------------
	9	+from __future__ import annotations
	10	+
	11	+import importlib
	12	+import pkgutil
	13	+
	14	+from .base import RateProvider
	15	+
	16	+PROVIDERS: dict[str, type[RateProvider]] = {}
	17	+
	18	+for _mod in pkgutil.iter_modules(__path__):
	19	+ if _mod.name.startswith("_") or _mod.name == "base":
	20	+ continue
	21	+ module = importlib.import_module(f".{_mod.name}", __name__)
	22	+ for obj in vars(module).values():
	23	+ if (isinstance(obj, type) and issubclass(obj, RateProvider)
	24	+ and obj is not RateProvider and obj.provider_id):
	25	+ PROVIDERS[obj.provider_id] = obj

added immoka/mortgage/providers/bank_of_canada.py +77 −0

		`@@ -0,0 +1,77 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/bank_of_canada.py : Banque du Canada — API Valet
	5	+# (officielle, publique, JSON). Séries de référence : taux hypothécaire
	6	+# conventionnel affiché 1/3/5 ans, taux directeur, rendement obligataire
	7	+# 5 ans. purpose="unknown" : séries de RÉFÉRENCE, exclues du comparateur
	8	+# de prêteurs (la BdC ne prête pas aux particuliers).
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+from .base import RateProvider
	13	+
	14	+SERIES_URL = ("https://www.bankofcanada.ca/valet/observations/"
	15	+ "V80691333,V80691334,V80691335,V39079,BD.CDN.5YR.DQ.YLD/"
	16	+ "json?recent=10")
	17	+
	18	+# série -> (terme mois, nom de produit)
	19	+MORTGAGE_SERIES = {
	20	+ "V80691333": (12, "Taux hypothécaire conventionnel affiché — 1 an"),
	21	+ "V80691334": (36, "Taux hypothécaire conventionnel affiché — 3 ans"),
	22	+ "V80691335": (60, "Taux hypothécaire conventionnel affiché — 5 ans"),
	23	+}
	24	+CONTEXT_SERIES = {
	25	+ "V39079": "Taux cible du financement à un jour",
	26	+ "BD.CDN.5YR.DQ.YLD": "Rendement obligataire 5 ans — Gouvernement du Canada",
	27	+}
	28	+
	29	+
	30	+class BankOfCanadaProvider(RateProvider):
	31	+ provider_id = "bank_of_canada"
	32	+ institution = "Banque du Canada"
	33	+ source_url = "https://www.bankofcanada.ca/rates/interest-rates/"
	34	+ request_delay = 0.5
	35	+
	36	+ def fetch(self) -> list[dict]:
	37	+ return self.parse(self.get(SERIES_URL).text)
	38	+
	39	+ def parse(self, payload: str) -> list[dict]:
	40	+ import json
	41	+ data = json.loads(payload)
	42	+ observations = data.get("observations") or []
	43	+ # Séries à fréquences mélangées : garder la DERNIÈRE valeur par série.
	44	+ latest: dict[str, tuple[str, float]] = {}
	45	+ for obs in observations:
	46	+ d = obs.get("d", "")
	47	+ for sid, cell in obs.items():
	48	+ if sid == "d" or not isinstance(cell, dict):
	49	+ continue
	50	+ v = cell.get("v")
	51	+ if v in (None, ""):
	52	+ continue
	53	+ try:
	54	+ latest[sid] = (d, float(v))
	55	+ except ValueError:
	56	+ continue
	57	+ out: list[dict] = []
	58	+ for sid, (term, name) in MORTGAGE_SERIES.items():
	59	+ if sid not in latest:
	60	+ continue
	61	+ d, v = latest[sid]
	62	+ out.append(self.make_product(
	63	+ rate=v, rate_type="fixed", term_months=term, kind="posted",
	64	+ product_name=name, purpose="unknown",
	65	+ conditions=f"Série Valet {sid} — observation du {d} "
	66	+ "(moyenne hebdomadaire des taux affichés)",
	67	+ raw={"series": sid, "date": d, "value": v}))
	68	+ for sid, name in CONTEXT_SERIES.items():
	69	+ if sid not in latest:
	70	+ continue
	71	+ d, v = latest[sid]
	72	+ out.append(self.make_product(
	73	+ rate=v, rate_type="other", term_months=12, kind="posted",
	74	+ product_name=name, purpose="unknown",
	75	+ conditions=f"Série Valet {sid} — observation du {d}",
	76	+ raw={"series": sid, "date": d, "value": v}))
	77	+ return out

added immoka/mortgage/providers/base.py +133 −0

		`@@ -0,0 +1,133 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/base.py : classe de base des connecteurs de taux.
	5	+# Contrat : fetch() retourne la liste des produits NORMALISÉS de
	6	+# l'institution (dicts au format de make_product). Aucune écriture BD ici —
	7	+# le scheduler valide puis enregistre. Jamais de taux inventé : un produit
	8	+# non confirmé est simplement omis.
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+import os
	13	+import re
	14	+import time
	15	+
	16	+import requests
	17	+
	18	+USER_AGENT = ("Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) "
	19	+ "AppleWebKit/537.36 (KHTML, like Gecko) Chrome/126 Safari/537.36 "
	20	+ "ImmoKaBot/1.0 (+https://www.immo-ka.com/bot; contact@spboucher.ai)")
	21	+
	22	+SCRAPFLY_API = "https://api.scrapfly.io/scrape"
	23	+
	24	+
	25	+class RateProvider:
	26	+ provider_id: str = "" # slug (rbc, td, desjardins…)
	27	+ institution: str = "" # nom d'affichage
	28	+ source_url: str = "" # page officielle des taux (lien public)
	29	+ request_delay: float = 1.0 # politesse
	30	+ timeout: int = 30
	31	+
	32	+ def __init__(self) -> None:
	33	+ self.session = requests.Session()
	34	+ self.session.headers["User-Agent"] = USER_AGENT
	35	+ self._last_request = 0.0
	36	+
	37	+ # -- backends -------------------------------------------------------------
	38	+ def get(self, url: str, **kw) -> requests.Response:
	39	+ wait = self.request_delay - (time.time() - self._last_request)
	40	+ if wait > 0:
	41	+ time.sleep(wait)
	42	+ resp = self.session.get(url, timeout=self.timeout, **kw)
	43	+ self._last_request = time.time()
	44	+ resp.raise_for_status()
	45	+ return resp
	46	+
	47	+ def get_scrapfly(self, url: str, render_js: bool = False,
	48	+ asp: bool = True, country: str = "ca") -> str:
	49	+ """HTML via Scrapfly (anti-bot) — dernier recours seulement."""
	50	+ key = os.environ.get("SCRAPFLY_KEY") or os.environ.get("SCRAPFLY_API_KEY")
	51	+ if not key:
	52	+ raise RuntimeError("SCRAPFLY_KEY manquant (voir .env)")
	53	+ params: dict = {"key": key, "url": url, "country": country}
	54	+ if asp:
	55	+ params["asp"] = "true"
	56	+ if render_js:
	57	+ params["render_js"] = "true"
	58	+ wait = self.request_delay - (time.time() - self._last_request)
	59	+ if wait > 0:
	60	+ time.sleep(wait)
	61	+ resp = requests.get(SCRAPFLY_API, params=params, timeout=180)
	62	+ self._last_request = time.time()
	63	+ try:
	64	+ return (resp.json().get("result") or {}).get("content") or ""
	65	+ except ValueError:
	66	+ return ""
	67	+
	68	+ # -- normalisation --------------------------------------------------------
	69	+ def make_product(self, *, rate: float, rate_type: str, term_months: int,
	70	+ kind: str, product_name: str \| None = None,
	71	+ apr: float \| None = None,
	72	+ insured_status: str = "unknown",
	73	+ purpose: str = "purchase",
	74	+ amortization_max_years: int \| None = None,
	75	+ conditions: str \| None = None,
	76	+ source_url: str \| None = None,
	77	+ confidence: float = 1.0,
	78	+ raw=None) -> dict:
	79	+ """Observation normalisée commune à tous les providers."""
	80	+ return {
	81	+ "provider": self.provider_id,
	82	+ "institution": self.institution,
	83	+ "product_name": product_name,
	84	+ "rate_type": rate_type,
	85	+ "term_months": int(term_months),
	86	+ "kind": kind,
	87	+ "rate": round(float(rate), 4),
	88	+ "apr": round(float(apr), 4) if apr is not None else None,
	89	+ "insured_status": insured_status,
	90	+ "purpose": purpose,
	91	+ "amortization_max_years": amortization_max_years,
	92	+ "conditions": conditions,
	93	+ "source_url": source_url or self.source_url,
	94	+ "confidence": confidence,
	95	+ "raw": raw,
	96	+ }
	97	+
	98	+ # -- contrat --------------------------------------------------------------
	99	+ def fetch(self) -> list[dict]:
	100	+ raise NotImplementedError
	101	+
	102	+ # Point d'entrée pour les tests avec fixtures : si le provider parse un
	103	+ # payload texte, il expose parse(payload) et fetch() = parse(download()).
	104	+ def parse(self, payload: str) -> list[dict]: # pragma: no cover
	105	+ raise NotImplementedError
	106	+
	107	+
	108	+def parse_rate(text: str) -> float \| None:
	109	+ """Extrait un taux en % d'un texte : '4,19 %', '4.19%', ' 4.19 '.
	110	+ Retourne None si introuvable — jamais de valeur devinée."""
	111	+ if text is None:
	112	+ return None
	113	+ m = re.search(r"(\d{1,2}(?:[.,]\d{1,4})?)\s*%?", str(text).strip())
	114	+ if not m:
	115	+ return None
	116	+ try:
	117	+ return float(m.group(1).replace(",", "."))
	118	+ except ValueError:
	119	+ return None
	120	+
	121	+
	122	+def term_to_months(text: str) -> int \| None:
	123	+ """'5 ans', '5 year', '5-year', '6 months', '6 mois' → mois."""
	124	+ if not text:
	125	+ return None
	126	+ t = str(text).lower()
	127	+ m = re.search(r"(\d{1,3})\s(?:-\|\s)?\s(an\|ans\|année\|year\|yr)", t)
	128	+ if m:
	129	+ return int(m.group(1)) * 12
	130	+ m = re.search(r"(\d{1,3})\s(?:-\|\s)?\s(mois\|month)", t)
	131	+ if m:
	132	+ return int(m.group(1))
	133	+ return None

added immoka/mortgage/providers/bmo.py +135 −0

		`@@ -0,0 +1,135 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/bmo.py : BMO — 3 JSON publics public-data (spéciaux,
	5	+# grille affichée EPM, prime). ⚠️ bmo.com filtre l'empreinte TLS (Akamai) :
	6	+# cascade requests → curl_cffi (si dispo) → Scrapfly asp. Les clés Over25
	7	+# sont les variantes amortissement > 25 ans ; 18YearOpen et 12Variable*
	8	+# sont des reliquats hérités (valeurs figées) et sont ignorés.
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+import json
	13	+
	14	+from .base import RateProvider
	15	+
	16	+URLS = {
	17	+ "ca-mortgages-special-rates":
	18	+ "https://www.bmo.com/public-data/api/v2.0/bmo-ca-mortgages-rates.json",
	19	+ "epm-mortgage":
	20	+ "https://www.bmo.com/public-data/api/epm/v1.0/bmo-epm-mortgage.json",
	21	+ "epm-prime":
	22	+ "https://www.bmo.com/public-data/api/epm/v1.0/bmo-epm-prime.json",
	23	+}
	24	+PAGE_URL = "https://www.bmo.com/en-ca/main/personal/mortgages/mortgage-rates/"
	25	+
	26	+# clé spéciale -> (rate_type, terme mois, nom, clé APR, amort max, insured)
	27	+SPECIAL_MAP: dict[str, tuple] = {
	28	+ "fixed3YearClosedSpecial":
	29	+ ("fixed", 36, "Fixe fermé 3 ans (offre spéciale)",
	30	+ "fixed3YearClosedSpecialApr", 25, "unknown"),
	31	+ "fixed3YearClosedSpecialOver25":
	32	+ ("fixed", 36, "Fixe fermé 3 ans (offre spéciale, amort. >25 ans)",
	33	+ "fixed3YearClosedSpecialOver25Apr", 30, "uninsured"),
	34	+ "smartFixed5YearClosedSpecial":
	35	+ ("fixed", 60, "Smart Fixed fermé 5 ans (offre spéciale)",
	36	+ "smartFixed5YearClosedSpecialApr", 25, "uninsured"),
	37	+ "smartFixed5YearClosedHighRatioSpecial":
	38	+ ("fixed", 60, "Smart Fixed fermé 5 ans (offre spéciale, ratio élevé)",
	39	+ "smartFixed5YearClosedHighRatioSpecialApr", 25, "insured"),
	40	+ "variable5YearClosedSpecial":
	41	+ ("variable", 60, "Variable fermé 5 ans (offre spéciale)",
	42	+ "variable5YearClosedSpecialApr", 25, "unknown"),
	43	+ "variable5YearClosedSpecialOver25":
	44	+ ("variable", 60, "Variable fermé 5 ans (offre spéciale, amort. >25 ans)",
	45	+ "variable5YearClosedSpecialOver25Apr", 30, "uninsured"),
	46	+}
	47	+
	48	+EPM_SKIP = {"18YearOpen", "12VariableLimited", "12VariableOpen"}
	49	+
	50	+
	51	+def _num(v) -> float \| None:
	52	+ try:
	53	+ return float(str(v).strip())
	54	+ except (TypeError, ValueError):
	55	+ return None
	56	+
	57	+
	58	+class BmoProvider(RateProvider):
	59	+ provider_id = "bmo"
	60	+ institution = "BMO Banque de Montréal"
	61	+ source_url = PAGE_URL
	62	+ request_delay = 1.2
	63	+
	64	+ def _get_json_text(self, url: str) -> str:
	65	+ try:
	66	+ return self.get(url).text
	67	+ except Exception: # noqa: BLE001 — TLS Akamai : on escalade
	68	+ pass
	69	+ try:
	70	+ from curl_cffi import requests as curl_requests
	71	+ resp = curl_requests.get(url, impersonate="chrome",
	72	+ timeout=self.timeout)
	73	+ resp.raise_for_status()
	74	+ return resp.text
	75	+ except ImportError:
	76	+ pass
	77	+ return self.get_scrapfly(url, render_js=False, asp=True)
	78	+
	79	+ def fetch(self) -> list[dict]:
	80	+ docs: dict[str, dict] = {}
	81	+ for key, url in URLS.items():
	82	+ text = self._get_json_text(url)
	83	+ docs[key] = json.loads(text)
	84	+ return self.parse_docs(docs)
	85	+
	86	+ def parse(self, payload: str) -> list[dict]:
	87	+ """Pour les tests fixtures : payload = JSON {clé: {url, payload}}."""
	88	+ data = json.loads(payload)
	89	+ docs: dict[str, dict] = {}
	90	+ for key, entry in data.items():
	91	+ doc = entry.get("payload") if isinstance(entry, dict) and \
	92	+ "payload" in entry else entry
	93	+ if isinstance(doc, str):
	94	+ doc = json.loads(doc)
	95	+ docs[key] = doc
	96	+ return self.parse_docs(docs)
	97	+
	98	+ def parse_docs(self, docs: dict[str, dict]) -> list[dict]:
	99	+ out: list[dict] = []
	100	+ specials = docs.get("ca-mortgages-special-rates") or {}
	101	+ for key, (rtype, term, name, apr_key, amort, insured) in \
	102	+ SPECIAL_MAP.items():
	103	+ rate = _num(specials.get(key))
	104	+ if rate is None or rate <= 0:
	105	+ continue
	106	+ out.append(self.make_product(
	107	+ rate=rate, rate_type=rtype, term_months=term, kind="special",
	108	+ product_name=name, apr=_num(specials.get(apr_key)),
	109	+ insured_status=insured, amortization_max_years=amort,
	110	+ raw={"key": key, "value": specials.get(key)}))
	111	+ epm = docs.get("epm-mortgage") or {}
	112	+ grid = epm.get("mortgageRates") or epm
	113	+ for rtype_key, rtype, prefix in (("fixed", "fixed", "Fixe"),
	114	+ ("variable", "variable", "Variable")):
	115	+ for key, cell in (grid.get(rtype_key) or {}).items():
	116	+ if key in EPM_SKIP or not isinstance(cell, dict):
	117	+ continue
	118	+ rate = _num(cell.get("value"))
	119	+ term = _num(cell.get("term_months"))
	120	+ if rate is None or rate <= 0 or not term:
	121	+ continue
	122	+ label = cell.get("fr") or cell.get("en") or key
	123	+ out.append(self.make_product(
	124	+ rate=rate, rate_type=rtype, term_months=int(term),
	125	+ kind="posted", product_name=f"{prefix} {label}",
	126	+ raw={"key": key, "cell": cell}))
	127	+ prime = docs.get("epm-prime") or {}
	128	+ prime_rate = _num((prime.get("caPrimeRate") or {}).get("value"))
	129	+ if prime_rate and prime_rate > 0:
	130	+ out.append(self.make_product(
	131	+ rate=prime_rate, rate_type="other", term_months=12,
	132	+ kind="posted", product_name="Taux préférentiel BMO",
	133	+ purpose="unknown",
	134	+ raw={"caPrimeRate": prime.get("caPrimeRate")}))
	135	+ return out

added immoka/mortgage/providers/cibc.py +144 −0

		`@@ -0,0 +1,144 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/cibc.py : CIBC — pseudo-JSON JS productRatesLegacy
	5	+# (blocs `var CODE = {...}` avec lignes [terme, ?, colId, valeur, …]).
	6	+# colId 1 = affiché, 18 = spécial, 2 = APR du spécial ; sentinelle
	7	+# -99.999999991 et spécial 0.00 = non publié ; colId 34 = colonne
	8	+# d'identité inconnue, jamais devinée. MICRO/MICROVAR ne portent que
	9	+# l'offre spéciale (leur « affiché » duplique FRCM).
	10	+# -----------------------------------------------------------------------------
	11	+from __future__ import annotations
	12	+
	13	+import re
	14	+
	15	+from .base import RateProvider
	16	+
	17	+BASE_URL = ("https://www.cibconline.cibc.com/ebm-pno/api/v1/json/"
	18	+ "productRatesLegacy?lobId={lob}&sourceProductCode={codes}")
	19	+LOB5_CODES = "FRCM,FOM,CCM,5YRVARCLO,MICRO,MICROVAR,VROM"
	20	+PAGE_URL = "https://www.cibc.com/en/interest-rates/mortgage-rates.html"
	21	+
	22	+COL_POSTED, COL_APR, COL_SPECIAL = 1, 2, 18
	23	+SENTINEL = -99.0
	24	+
	25	+# code -> (rate_type, libellé de base, spécial seulement, libellé du spécial)
	26	+PRODUCTS: dict[str, tuple] = {
	27	+ "FRCM": ("fixed", "Fixe fermé", False, "offre spéciale"),
	28	+ "FOM": ("fixed", "Fixe ouvert", False, "offre spéciale"),
	29	+ "CCM": ("fixed", "Fermé convertible", False, "offre spéciale"),
	30	+ "5YRVARCLO": ("variable", "Variable Flex fermé", False, "offre spéciale"),
	31	+ "VROM": ("variable", "Variable ouvert", False, "offre spéciale"),
	32	+ # MICRO/MICROVAR : l'offre mise en avant sur la page des taux — libellé
	33	+ # distinct pour ne pas entrer en collision avec le spécial FRCM/5YRVARCLO.
	34	+ "MICRO": ("fixed", "Fixe fermé", True, "offre annoncée"),
	35	+ "MICROVAR": ("variable", "Variable Flex fermé", True, "offre annoncée"),
	36	+}
	37	+
	38	+BLOCK_RX = re.compile(r"var\s+(\w+)\s=\s\{(.?)\]\s\}", re.S)
	39	+ROW_RX = re.compile(r"\[([^\[\]]*)\]")
	40	+TERM_RX = re.compile(r"^(\d{1,3})_.*_(Year\|Years\|Month\|Months)_T$")
	41	+
	42	+
	43	+def _cells(row: str) -> list:
	44	+ out = []
	45	+ for cell in row.split(","):
	46	+ c = cell.strip().strip("'\"")
	47	+ out.append(None if c == "null" else c)
	48	+ return out
	49	+
	50	+
	51	+def _term_months(token) -> int \| None:
	52	+ m = TERM_RX.match(str(token or ""))
	53	+ if not m:
	54	+ return None
	55	+ n = int(m.group(1))
	56	+ return n * 12 if m.group(2).startswith("Year") else n
	57	+
	58	+
	59	+def _num(v) -> float \| None:
	60	+ try:
	61	+ return float(str(v).strip())
	62	+ except (TypeError, ValueError):
	63	+ return None
	64	+
	65	+
	66	+def _label(months: int) -> str:
	67	+ if months < 12:
	68	+ return f"{months} mois"
	69	+ years = months // 12
	70	+ return f"{years} an" if years == 1 else f"{years} ans"
	71	+
	72	+
	73	+class CibcProvider(RateProvider):
	74	+ provider_id = "cibc"
	75	+ institution = "CIBC"
	76	+ source_url = PAGE_URL
	77	+ request_delay = 1.2
	78	+
	79	+ def fetch(self) -> list[dict]:
	80	+ text = self.get(BASE_URL.format(lob=5, codes=LOB5_CODES)).text
	81	+ try:
	82	+ text += "\n" + self.get(BASE_URL.format(lob=1, codes="PRIME")).text
	83	+ except Exception: # noqa: BLE001 — prime facultatif
	84	+ pass
	85	+ return self.parse(text)
	86	+
	87	+ def parse(self, payload: str) -> list[dict]:
	88	+ out: list[dict] = []
	89	+ for var_name, body in BLOCK_RX.findall(payload):
	90	+ name = var_name[1:] if var_name[:1] == "p" and \
	91	+ var_name[1:2].isdigit() else var_name
	92	+ if name == "PRIME":
	93	+ out.extend(self._parse_prime(body))
	94	+ continue
	95	+ if name not in PRODUCTS:
	96	+ continue
	97	+ rtype, base_label, special_only, special_label = PRODUCTS[name]
	98	+ # (terme -> {colId: valeur})
	99	+ grid: dict[int, dict[int, float]] = {}
	100	+ for row in ROW_RX.findall(body):
	101	+ cells = _cells(row)
	102	+ if len(cells) < 4:
	103	+ continue
	104	+ term = _term_months(cells[0])
	105	+ col = _num(cells[2])
	106	+ val = _num(cells[3])
	107	+ if term is None or col is None or val is None:
	108	+ continue
	109	+ if val < SENTINEL + 1 or val <= 0:
	110	+ continue # sentinelle -99.999999991 ou 0.00 : non publié
	111	+ grid.setdefault(term, {})[int(col)] = val
	112	+ for term, cols in sorted(grid.items()):
	113	+ posted = cols.get(COL_POSTED)
	114	+ special = cols.get(COL_SPECIAL)
	115	+ if posted and not special_only:
	116	+ out.append(self.make_product(
	117	+ rate=posted, rate_type=rtype, term_months=term,
	118	+ kind="posted",
	119	+ product_name=f"{base_label} {_label(term)}",
	120	+ conditions="Base = taux préférentiel CIBC"
	121	+ if rtype == "variable" and name == "5YRVARCLO"
	122	+ else None,
	123	+ raw={"code": name, "cols": cols}))
	124	+ if special:
	125	+ out.append(self.make_product(
	126	+ rate=special, rate_type=rtype, term_months=term,
	127	+ kind="special", apr=cols.get(COL_APR),
	128	+ product_name=f"{base_label} {_label(term)} "
	129	+ f"({special_label})",
	130	+ raw={"code": name, "cols": cols}))
	131	+ return out
	132	+
	133	+ def _parse_prime(self, body: str) -> list[dict]:
	134	+ for row in ROW_RX.findall(body):
	135	+ cells = _cells(row)
	136	+ if len(cells) < 4:
	137	+ continue
	138	+ rate = _num(cells[3])
	139	+ if rate and rate > 0:
	140	+ return [self.make_product(
	141	+ rate=rate, rate_type="other", term_months=12,
	142	+ kind="posted", product_name="Taux préférentiel CIBC",
	143	+ purpose="unknown", raw={"code": "PRIME", "value": rate})]
	144	+ return []

added immoka/mortgage/providers/desjardins.py +83 −0

		`@@ -0,0 +1,83 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/desjardins.py : Desjardins — JSON server-rendered
	5	+# window.dcomProducts sur la page des taux. Clé = cfPath COMPLET (le même
	6	+# id existe dans les familles « taux-hypothecaires » (affichés) et
	7	+# « taux-hypothecaires-promotionnels » (spéciaux) avec des valeurs
	8	+# différentes — ne jamais confondre).
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+import json
	13	+import re
	14	+
	15	+from .base import RateProvider
	16	+
	17	+PAGE_URL = "https://www.desjardins.com/fr/hypotheque/taux-hypothecaires.html"
	18	+
	19	+# id Desjardins -> (rate_type, terme mois, nom, purpose)
	20	+ID_MAP: dict[str, tuple] = {
	21	+ "6000_6M": ("fixed", 6, "Fixe fermé 6 mois"),
	22	+ "6000_1A": ("fixed", 12, "Fixe fermé 1 an"),
	23	+ "6000_2A": ("fixed", 24, "Fixe fermé 2 ans"),
	24	+ "6000_3A": ("fixed", 36, "Fixe fermé 3 ans"),
	25	+ "6000_4A": ("fixed", 48, "Fixe fermé 4 ans"),
	26	+ "6000_5A": ("fixed", 60, "Fixe fermé 5 ans"),
	27	+ "6000_6A": ("fixed", 72, "Fixe fermé 6 ans"),
	28	+ "6000_7A": ("fixed", 84, "Fixe fermé 7 ans"),
	29	+ "6000_10A": ("fixed", 120, "Fixe fermé 10 ans"),
	30	+ "6000_6MO": ("fixed", 6, "Fixe ouvert 6 mois"),
	31	+ "6000_1AO": ("fixed", 12, "Fixe ouvert 1 an"),
	32	+ "6004_5AR": ("variable", 60, "Variable réduit 5 ans"),
	33	+ "tvp": ("variable", 60, "Variable protégé 5 ans"),
	34	+ "tvred": ("variable", 60, "Variable réduit"),
	35	+ "tvreg": ("variable", 60, "Variable régulier"),
	36	+ "tra": ("fixed", 12, "Révisable annuellement"),
	37	+}
	38	+PRIME_ID = "tpcad"
	39	+
	40	+
	41	+class DesjardinsProvider(RateProvider):
	42	+ provider_id = "desjardins"
	43	+ institution = "Desjardins"
	44	+ source_url = PAGE_URL
	45	+ request_delay = 1.5
	46	+
	47	+ def fetch(self) -> list[dict]:
	48	+ return self.parse(self.get(self.source_url).text)
	49	+
	50	+ def parse(self, payload: str) -> list[dict]:
	51	+ m = re.search(r"window\.dcomProducts\s=\s(\{.*?\});", payload, re.S)
	52	+ if not m:
	53	+ raise ValueError("dcomProducts introuvable (structure changée)")
	54	+ products = json.loads(m.group(1))
	55	+ out: list[dict] = []
	56	+ for cf_path, cell in products.items():
	57	+ if "/hypotheque/" not in cf_path or not isinstance(cell, dict):
	58	+ continue
	59	+ pid = cell.get("id") or ""
	60	+ try:
	61	+ rate = float(cell.get("rate"))
	62	+ except (TypeError, ValueError):
	63	+ continue
	64	+ if rate <= 0:
	65	+ continue
	66	+ promo = "taux-hypothecaires-promotionnels" in cf_path
	67	+ if pid == PRIME_ID:
	68	+ out.append(self.make_product(
	69	+ rate=rate, rate_type="other", term_months=12,
	70	+ kind="posted", product_name="Taux préférentiel Desjardins",
	71	+ purpose="unknown", raw={"cfPath": cf_path, "rate": rate}))
	72	+ continue
	73	+ if pid not in ID_MAP:
	74	+ continue # id inconnu : jamais deviné
	75	+ rtype, term, label = ID_MAP[pid]
	76	+ out.append(self.make_product(
	77	+ rate=rate, rate_type=rtype, term_months=term,
	78	+ kind="special" if promo else "posted",
	79	+ product_name=label + (" (promotion)" if promo else ""),
	80	+ conditions="Taux promotionnel Desjardins" if promo
	81	+ else "Taux affiché Desjardins",
	82	+ raw={"cfPath": cf_path, "id": pid, "rate": cell.get("rate")}))
	83	+ return out

added immoka/mortgage/providers/eq_bank.py +94 −0

		`@@ -0,0 +1,94 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/eq_bank.py : Banque EQ / Équitable — dictionnaire JSON
	5	+# global embarqué dans le payload Next.js de la page des taux (marqueur
	6	+# \"rates\":{ échappé). Clés CMS stables ; les clés « Adjustable » sont des
	7	+# ÉCARTS vs prime (jamais interprétées comme des taux).
	8	+# -----------------------------------------------------------------------------
	9	+from __future__ import annotations
	10	+
	11	+import json
	12	+
	13	+from .base import RateProvider
	14	+
	15	+# clé CMS -> (rate_type, terme mois, kind, nom, clé APR éventuelle)
	16	+KEY_MAP: dict[str, tuple] = {
	17	+ "mortgage-rate-fixed-5-year": ("fixed", 60, "special",
	18	+ "Fixe 5 ans (vitrine EQ)",
	19	+ "mortgage-rate-fixed-5-year-APR"),
	20	+ "mortgage-rate-variable-5-year": ("variable", 60, "special",
	21	+ "Variable 5 ans (vitrine EQ)",
	22	+ "mortgage-rate-variable-5-year-APR"),
	23	+ "es-fixed-12-month": ("fixed", 12, "special", "Evolution Suite — fixe 1 an", None),
	24	+ "es-fixed-24-month": ("fixed", 24, "special", "Evolution Suite — fixe 2 ans", None),
	25	+ "es-fixed-36-month": ("fixed", 36, "special", "Evolution Suite — fixe 3 ans", None),
	26	+ "es-fixed-48-month": ("fixed", 48, "special", "Evolution Suite — fixe 4 ans", None),
	27	+ "es-fixed-60-month": ("fixed", 60, "special", "Evolution Suite — fixe 5 ans", None),
	28	+ "Standard-Mortgage-Rate-1-Year-Fixed": ("fixed", 12, "posted", "Fixe affiché 1 an", None),
	29	+ "Standard-Mortgage-Rate-2-Year-Fixed": ("fixed", 24, "posted", "Fixe affiché 2 ans", None),
	30	+ "Standard-Mortgage-Rate-3-Year-Fixed": ("fixed", 36, "posted", "Fixe affiché 3 ans", None),
	31	+ "Standard-Mortgage-Rate-4-Year-Fixed": ("fixed", 48, "posted", "Fixe affiché 4 ans", None),
	32	+ "Standard-Mortgage-Rate-5-Year-Fixed": ("fixed", 60, "posted", "Fixe affiché 5 ans", None),
	33	+}
	34	+PRIME_KEY = "equitable-prime-rate"
	35	+
	36	+
	37	+def extract_rates_blob(html: str) -> dict:
	38	+ """Isole le dictionnaire {clé: {name, rate}} du payload Next.js.
	39	+ Le JSON est échappé dans le HTML (\\\" -> \")."""
	40	+ marker = '\\"rates\\":{'
	41	+ i = html.find(marker)
	42	+ if i < 0:
	43	+ marker = '"rates":{'
	44	+ i = html.find(marker)
	45	+ if i < 0:
	46	+ raise ValueError("marqueur rates introuvable (structure changée)")
	47	+ seg = html[i:i + 400_000].replace('\\"', '"')
	48	+ start = seg.find("{")
	49	+ depth = 0
	50	+ for j, ch in enumerate(seg[start:], start):
	51	+ if ch == "{":
	52	+ depth += 1
	53	+ elif ch == "}":
	54	+ depth -= 1
	55	+ if depth == 0:
	56	+ return json.loads(seg[start:j + 1])
	57	+ raise ValueError("JSON rates non équilibré (structure changée)")
	58	+
	59	+
	60	+class EqBankProvider(RateProvider):
	61	+ provider_id = "eq_bank"
	62	+ institution = "Banque EQ"
	63	+ source_url = "https://www.eqbank.ca/residential/mortgage-rates"
	64	+ request_delay = 1.0
	65	+
	66	+ def fetch(self) -> list[dict]:
	67	+ return self.parse(self.get(self.source_url).text)
	68	+
	69	+ def parse(self, payload: str) -> list[dict]:
	70	+ rates = extract_rates_blob(payload)
	71	+
	72	+ def val(key: str) -> float \| None:
	73	+ cell = rates.get(key)
	74	+ if isinstance(cell, dict) and isinstance(cell.get("rate"), (int, float)):
	75	+ return float(cell["rate"])
	76	+ return None
	77	+
	78	+ out: list[dict] = []
	79	+ for key, (rtype, term, kind, name, apr_key) in KEY_MAP.items():
	80	+ rate = val(key)
	81	+ if rate is None:
	82	+ continue # clé absente : produit omis, jamais deviné
	83	+ apr = val(apr_key) if apr_key else None
	84	+ out.append(self.make_product(
	85	+ rate=rate, rate_type=rtype, term_months=term, kind=kind,
	86	+ product_name=name, apr=apr,
	87	+ raw={"key": key, "rate": rate, "apr": apr}))
	88	+ prime = val(PRIME_KEY)
	89	+ if prime is not None:
	90	+ out.append(self.make_product(
	91	+ rate=prime, rate_type="other", term_months=12, kind="posted",
	92	+ product_name="Taux préférentiel Banque Équitable",
	93	+ purpose="unknown", raw={"key": PRIME_KEY, "rate": prime}))
	94	+ return out

added immoka/mortgage/providers/first_national.py +97 −0

		`@@ -0,0 +1,97 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/first_national.py : First National — table HTML statique
	5	+# (server-side, aucun anti-bot). Taux fixes fermés par catégorie
	6	+# assuré/assurable(LTV)/conventionnel, ARM « Prime - X% », prime maison.
	7	+# -----------------------------------------------------------------------------
	8	+from __future__ import annotations
	9	+
	10	+import re
	11	+
	12	+from bs4 import BeautifulSoup
	13	+
	14	+from .base import RateProvider, parse_rate, term_to_months
	15	+
	16	+
	17	+def _insured_status(category: str) -> str:
	18	+ c = category.lower()
	19	+ if c.startswith("insured"):
	20	+ return "insured"
	21	+ if c.startswith("insurable"):
	22	+ return "insurable"
	23	+ if c.startswith("conventional"):
	24	+ return "uninsured"
	25	+ return "unknown"
	26	+
	27	+
	28	+class FirstNationalProvider(RateProvider):
	29	+ provider_id = "first_national"
	30	+ institution = "First National"
	31	+ source_url = "https://www.firstnational.ca/residential/mortgage-rates"
	32	+ request_delay = 1.0
	33	+
	34	+ def fetch(self) -> list[dict]:
	35	+ return self.parse(self.get(self.source_url).text)
	36	+
	37	+ def parse(self, payload: str) -> list[dict]:
	38	+ soup = BeautifulSoup(payload, "html.parser")
	39	+ out: list[dict] = []
	40	+ prime = None
	41	+ m = re.search(r"First National Prime Rate:\s(?:</?\w+[^>]>\s)([\d.]+)",
	42	+ payload)
	43	+ if m:
	44	+ prime = float(m.group(1))
	45	+ # -- taux fixes fermés (table avec aria-label par terme) --------------
	46	+ for h3 in soup.find_all("h3"):
	47	+ title = h3.get_text(" ", strip=True)
	48	+ table = h3.find_next("table")
	49	+ if table is None:
	50	+ continue
	51	+ if title.lower().startswith("fixed rate mortgages"):
	52	+ for tr in table.select("tbody tr"):
	53	+ th = tr.find("th")
	54	+ if th is None:
	55	+ continue
	56	+ category = re.sub(r"\s+", " ", th.get_text(" ", strip=True))
	57	+ status = _insured_status(category)
	58	+ for td in tr.find_all("td"):
	59	+ term = term_to_months(td.get("aria-label") or "")
	60	+ rate = parse_rate(td.get_text(strip=True))
	61	+ if term is None or rate is None:
	62	+ continue # cellule N/A : produit non offert
	63	+ out.append(self.make_product(
	64	+ rate=rate, rate_type="fixed", term_months=term,
	65	+ kind="posted",
	66	+ product_name=f"Fixe fermé — {category}",
	67	+ insured_status=status, conditions=category,
	68	+ raw={"category": category,
	69	+ "cell": td.get_text(strip=True)}))
	70	+ elif title.lower().startswith("adjustable rate"):
	71	+ if prime is None:
	72	+ continue # sans prime confirmée, ne rien deviner
	73	+ for tr in table.select("tbody tr"):
	74	+ th = tr.find("th")
	75	+ td = tr.find("td")
	76	+ if th is None or td is None:
	77	+ continue
	78	+ category = re.sub(r"\s+", " ", th.get_text(" ", strip=True))
	79	+ cell = td.get_text(" ", strip=True)
	80	+ dm = re.search(r"Prime\s([+-])\s([\d.]+)\s*%", cell)
	81	+ if not dm:
	82	+ continue
	83	+ delta = float(dm.group(2)) * (1 if dm.group(1) == "+" else -1)
	84	+ out.append(self.make_product(
	85	+ rate=round(prime + delta, 2), rate_type="adjustable",
	86	+ term_months=60, kind="special",
	87	+ product_name=f"ARM 5 ans — {category}",
	88	+ insured_status=_insured_status(category),
	89	+ conditions=f"{cell} (prime First National {prime} %)",
	90	+ raw={"category": category, "cell": cell,
	91	+ "prime": prime, "delta": delta}))
	92	+ if prime is not None:
	93	+ out.append(self.make_product(
	94	+ rate=prime, rate_type="other", term_months=12, kind="posted",
	95	+ product_name="Taux préférentiel First National",
	96	+ purpose="unknown", raw={"prime": prime}))
	97	+ return out

added immoka/mortgage/providers/mcap.py +40 −0

		`@@ -0,0 +1,40 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/mcap.py : MCAP — distribution 100 % courtiers, aucune
	5	+# table publique de taux par terme (vérifié 2026-08). Seul signal public :
	6	+# le taux préférentiel MCAP (+ date d'effet). Collecté comme référence,
	7	+# exclu du comparateur de prêteurs (rate_type="other", purpose="unknown").
	8	+# -----------------------------------------------------------------------------
	9	+from __future__ import annotations
	10	+
	11	+import re
	12	+
	13	+from .base import RateProvider
	14	+
	15	+
	16	+class McapProvider(RateProvider):
	17	+ provider_id = "mcap"
	18	+ institution = "MCAP"
	19	+ source_url = ("https://www.mcap.com/residential-mortgages/advice/"
	20	+ "mortgage-rates-canada")
	21	+ request_delay = 1.0
	22	+
	23	+ def fetch(self) -> list[dict]:
	24	+ return self.parse(self.get(self.source_url).text)
	25	+
	26	+ def parse(self, payload: str) -> list[dict]:
	27	+ m = re.search(
	28	+ r'prime-rate-module.?round-number-box[^>]>\s([\d.]+)\s%',
	29	+ payload, re.S)
	30	+ if not m:
	31	+ return []
	32	+ prime = float(m.group(1))
	33	+ dm = re.search(r'Effective\s+([A-Z][a-z]+ \d{1,2},? \d{4})', payload)
	34	+ conditions = ("Taux préférentiel MCAP"
	35	+ + (f" — en vigueur le {dm.group(1)}" if dm else ""))
	36	+ return [self.make_product(
	37	+ rate=prime, rate_type="other", term_months=12, kind="posted",
	38	+ product_name="Taux préférentiel MCAP", purpose="unknown",
	39	+ conditions=conditions,
	40	+ raw={"prime": prime, "effective": dm.group(1) if dm else None})]

added immoka/mortgage/providers/national_bank.py +131 −0

		`@@ -0,0 +1,131 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/national_bank.py : Banque Nationale — JSON double-échappé
	5	+# setProductMap(JSON.parse("…")) dans la page des taux. c1 = produits
	6	+# hypothécaires (par productConditionName). ⚠️ Séparateurs décimaux mixtes :
	7	+# affichés « 6.090 » (point), promos « 4,84 » (virgule) — les tacNans sont
	8	+# les APR des promos. Le tauxBase du produit variable est un ÉCART, pas la
	9	+# prime : la prime vient du tauxBase du produit fixe.
	10	+# -----------------------------------------------------------------------------
	11	+from __future__ import annotations
	12	+
	13	+import json
	14	+import re
	15	+
	16	+from .base import RateProvider
	17	+
	18	+PAGE_URL = "https://www.nbc.ca/personal/mortgages/rates.html"
	19	+
	20	+MAP_RX = re.compile(r'setProductMap$JSON\.parse\("(.*?)"$\)', re.S)
	21	+
	22	+# champs affichés fixes (fermés) -> terme mois ; taux1moisF exclu (< 3 mois)
	23	+FIXED_POSTED = {
	24	+ "taux3moisF": 3, "taux6moisF": 6, "taux1anF": 12, "taux2ansF": 24,
	25	+ "taux3ansF": 36, "taux4ansF": 48, "taux5ansF": 60, "taux6ansF": 72,
	26	+ "taux7ansF": 84, "taux10ansF": 120,
	27	+}
	28	+FIXED_OPEN = {"taux6moisO": 6, "taux1anO": 12}
	29	+# promo -> (terme mois, champ APR)
	30	+FIXED_PROMO = {
	31	+ "tauxPromo3ansF": (36, "tac3ans"),
	32	+ "tauxPromo4ansF": (48, "tac4ans"),
	33	+ "tauxPromo5ansF": (60, "tac5ans"),
	34	+}
	35	+
	36	+
	37	+def _num(v) -> float \| None:
	38	+ if v in (None, ""):
	39	+ return None
	40	+ try:
	41	+ return float(str(v).replace("\xa0", "").replace(",", ".").strip())
	42	+ except ValueError:
	43	+ return None
	44	+
	45	+
	46	+class NationalBankProvider(RateProvider):
	47	+ provider_id = "national_bank"
	48	+ institution = "Banque Nationale"
	49	+ source_url = PAGE_URL
	50	+ request_delay = 1.5
	51	+
	52	+ def fetch(self) -> list[dict]:
	53	+ return self.parse(self.get(self.source_url).text)
	54	+
	55	+ def parse(self, payload: str) -> list[dict]:
	56	+ m = MAP_RX.search(payload)
	57	+ if not m:
	58	+ raise ValueError("setProductMap introuvable (structure changée)")
	59	+ dec = (m.group(1).replace("\\x22", '"')
	60	+ .replace("\\\\", "\\").replace("\\/", "/"))
	61	+ # la chaîne JS se termine par «"), true);» : raw_decode ignore la suite
	62	+ obj, _ = json.JSONDecoder().raw_decode(dec)
	63	+ products = json.loads(obj.get("c1") or "[]")
	64	+ by_name = {p.get("productConditionName"): p
	65	+ for p in products if isinstance(p, dict)}
	66	+ out: list[dict] = []
	67	+ fixed = by_name.get("Mortgage fixed rate") or {}
	68	+ for field, term in FIXED_POSTED.items():
	69	+ rate = _num(fixed.get(field))
	70	+ if rate and rate > 0:
	71	+ out.append(self.make_product(
	72	+ rate=rate, rate_type="fixed", term_months=term,
	73	+ kind="posted",
	74	+ product_name=f"Fixe fermé {_label(term)}",
	75	+ raw={"field": field, "value": fixed.get(field)}))
	76	+ for field, term in FIXED_OPEN.items():
	77	+ rate = _num(fixed.get(field))
	78	+ if rate and rate > 0:
	79	+ out.append(self.make_product(
	80	+ rate=rate, rate_type="fixed", term_months=term,
	81	+ kind="posted",
	82	+ product_name=f"Fixe ouvert {_label(term)}",
	83	+ raw={"field": field, "value": fixed.get(field)}))
	84	+ for field, (term, apr_field) in FIXED_PROMO.items():
	85	+ rate = _num(fixed.get(field))
	86	+ if rate and rate > 0:
	87	+ out.append(self.make_product(
	88	+ rate=rate, rate_type="fixed", term_months=term,
	89	+ kind="special", apr=_num(fixed.get(apr_field)),
	90	+ product_name=f"Fixe fermé {_label(term)} (promotion)",
	91	+ raw={"field": field, "value": fixed.get(field)}))
	92	+ prime = _num(fixed.get("tauxBase"))
	93	+ if prime and prime > 0:
	94	+ out.append(self.make_product(
	95	+ rate=prime, rate_type="other", term_months=12, kind="posted",
	96	+ product_name="Taux préférentiel BNC", purpose="unknown",
	97	+ raw={"field": "tauxBase", "value": fixed.get("tauxBase")}))
	98	+ variable = by_name.get("Mortgage variable rate") or {}
	99	+ v_posted = _num(variable.get("taux5ansO"))
	100	+ if v_posted and v_posted > 0:
	101	+ out.append(self.make_product(
	102	+ rate=v_posted, rate_type="variable", term_months=60,
	103	+ kind="posted", product_name="Variable 5 ans",
	104	+ conditions="Base = taux préférentiel BNC",
	105	+ raw={"field": "taux5ansO", "value": variable.get("taux5ansO")}))
	106	+ v_promo = _num(variable.get("tauxPromo5ansF"))
	107	+ if v_promo and v_promo > 0:
	108	+ out.append(self.make_product(
	109	+ rate=v_promo, rate_type="variable", term_months=60,
	110	+ kind="special", apr=_num(variable.get("tac5ans")),
	111	+ product_name="Variable 5 ans (promotion)",
	112	+ raw={"field": "tauxPromo5ansF",
	113	+ "value": variable.get("tauxPromo5ansF")}))
	114	+ capped = by_name.get("Variable capped-rate mortgage") or {}
	115	+ c_rate = _num(capped.get("taux5ansO"))
	116	+ if c_rate and c_rate > 0:
	117	+ cap = _num(capped.get("tauxPlafond"))
	118	+ out.append(self.make_product(
	119	+ rate=c_rate, rate_type="variable", term_months=60,
	120	+ kind="posted", product_name="Variable plafonné 5 ans",
	121	+ conditions=f"Taux plafond {cap} %" if cap else None,
	122	+ raw={"field": "taux5ansO", "value": capped.get("taux5ansO"),
	123	+ "tauxPlafond": capped.get("tauxPlafond")}))
	124	+ return out
	125	+
	126	+
	127	+def _label(months: int) -> str:
	128	+ if months < 12:
	129	+ return f"{months} mois"
	130	+ years = months // 12
	131	+ return f"{years} an" if years == 1 else f"{years} ans"

added immoka/mortgage/providers/rbc.py +112 −0

		`@@ -0,0 +1,112 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/rbc.py : RBC — API JSON publique publicrates (celle que
	5	+# consomme leur propre page de taux, 1 requête par code de taux).
	6	+# ⚠️ Les produits variables sont publiés en ÉCART vs prime (ex. -0.500) :
	7	+# reconstitués avec le code prime, jamais interprétés comme des taux.
	8	+# -----------------------------------------------------------------------------
	9	+from __future__ import annotations
	10	+
	11	+import json
	12	+
	13	+from .base import RateProvider
	14	+
	15	+API = ("https://apps.royalbank.com/apps/app-services/public-rates/api/"
	16	+ "publicrates?code={code}")
	17	+PAGE_URL = "https://www.rbcroyalbank.com/mortgages/mortgage-rates.html"
	18	+
	19	+PRIME_CODE = "0006470002"
	20	+
	21	+# code -> (rate_type, terme mois, kind, insured_status, nom, code APR\|None)
	22	+CODE_MAP: dict[str, tuple] = {
	23	+ "0006340010": ("fixed", 6, "posted", "unknown", "Fixe 6 mois convertible", None),
	24	+ "0006340013": ("fixed", 12, "posted", "unknown", "Fixe fermé 1 an", None),
	25	+ "0006340016": ("fixed", 24, "posted", "unknown", "Fixe fermé 2 ans", None),
	26	+ "0006340019": ("fixed", 36, "posted", "unknown", "Fixe fermé 3 ans", None),
	27	+ "0006340022": ("fixed", 48, "posted", "unknown", "Fixe fermé 4 ans", None),
	28	+ "0006340025": ("fixed", 60, "posted", "unknown", "Fixe fermé 5 ans", None),
	29	+ "0006340042": ("fixed", 84, "posted", "unknown", "Fixe fermé 7 ans", None),
	30	+ "0006340030": ("fixed", 120, "posted", "unknown", "Fixe fermé 10 ans", None),
	31	+ "0386080056": ("fixed", 12, "special", "unknown", "Fixe fermé 1 an (offre spéciale)", "0386140074"),
	32	+ "0386080057": ("fixed", 24, "special", "unknown", "Fixe fermé 2 ans (offre spéciale)", "0386140075"),
	33	+ "0386080058": ("fixed", 36, "special", "unknown", "Fixe fermé 3 ans (offre spéciale)", "0386140076"),
	34	+ "0386080059": ("fixed", 48, "special", "unknown", "Fixe fermé 4 ans (offre spéciale)", "0386140077"),
	35	+ "0386080060": ("fixed", 60, "special", "unknown", "Fixe fermé 5 ans (offre spéciale)", "0386140078"),
	36	+ "0386080061": ("fixed", 84, "special", "unknown", "Fixe fermé 7 ans (offre spéciale)", "0386140079"),
	37	+ "0385940006": ("fixed", 60, "special", "insured", "Fixe fermé 5 ans (ratio élevé)", "0386090006"),
	38	+}
	39	+# codes variables : ÉCART vs prime -> taux = prime + valeur
	40	+SPREAD_MAP: dict[str, tuple] = {
	41	+ "0236440012": ("variable", 60, "posted", "unknown", "Variable fermé 5 ans", "0166950009"),
	42	+ "0386080070": ("variable", 60, "special", "unknown", "Variable fermé 5 ans (offre spéciale)", "0386140088"),
	43	+ "0385940016": ("variable", 60, "special", "insured", "Variable fermé 5 ans (ratio élevé)", "0386090016"),
	44	+}
	45	+
	46	+
	47	+def _value(responses: dict, code: str) -> float \| None:
	48	+ resp = responses.get(code)
	49	+ if not isinstance(resp, dict):
	50	+ return None
	51	+ content = resp.get("result_content") or {}
	52	+ try:
	53	+ return float(content.get("Value"))
	54	+ except (TypeError, ValueError):
	55	+ return None
	56	+
	57	+
	58	+class RbcProvider(RateProvider):
	59	+ provider_id = "rbc"
	60	+ institution = "RBC Banque Royale"
	61	+ source_url = PAGE_URL
	62	+ request_delay = 0.6
	63	+
	64	+ def _codes(self) -> list[str]:
	65	+ codes = [PRIME_CODE] + list(CODE_MAP) + list(SPREAD_MAP)
	66	+ codes += [apr for *_, apr in CODE_MAP.values() if apr]
	67	+ codes += [apr for *_, apr in SPREAD_MAP.values() if apr]
	68	+ return codes
	69	+
	70	+ def fetch(self) -> list[dict]:
	71	+ responses: dict[str, dict] = {}
	72	+ for code in self._codes():
	73	+ try:
	74	+ responses[code] = json.loads(self.get(API.format(code=code)).text)
	75	+ except Exception: # noqa: BLE001 — un code raté n'annule pas le reste
	76	+ continue
	77	+ return self.parse_codes(responses)
	78	+
	79	+ def parse(self, payload: str) -> list[dict]:
	80	+ """Pour les tests fixtures : payload = JSON {code: réponse API}."""
	81	+ data = json.loads(payload)
	82	+ return self.parse_codes(data.get("responses") or data)
	83	+
	84	+ def parse_codes(self, responses: dict) -> list[dict]:
	85	+ out: list[dict] = []
	86	+ prime = _value(responses, PRIME_CODE)
	87	+ for code, (rtype, term, kind, insured, name, apr_code) in CODE_MAP.items():
	88	+ rate = _value(responses, code)
	89	+ if rate is None or rate <= 0:
	90	+ continue
	91	+ apr = _value(responses, apr_code) if apr_code else None
	92	+ out.append(self.make_product(
	93	+ rate=rate, rate_type=rtype, term_months=term, kind=kind,
	94	+ product_name=name, apr=apr, insured_status=insured,
	95	+ raw={"code": code, "value": rate}))
	96	+ if prime is not None:
	97	+ for code, (rtype, term, kind, insured, name, apr_code) in SPREAD_MAP.items():
	98	+ spread = _value(responses, code)
	99	+ if spread is None or abs(spread) > 3:
	100	+ continue # un écart vs prime > 3 pts : structure changée
	101	+ apr = _value(responses, apr_code) if apr_code else None
	102	+ out.append(self.make_product(
	103	+ rate=round(prime + spread, 3), rate_type=rtype,
	104	+ term_months=term, kind=kind, product_name=name, apr=apr,
	105	+ insured_status=insured,
	106	+ conditions=f"Prime RBC {prime} % {spread:+} pt",
	107	+ raw={"code": code, "spread": spread, "prime": prime}))
	108	+ out.append(self.make_product(
	109	+ rate=prime, rate_type="other", term_months=12, kind="posted",
	110	+ product_name="Taux préférentiel RBC", purpose="unknown",
	111	+ raw={"code": PRIME_CODE, "value": prime}))
	112	+ return out

added immoka/mortgage/providers/scotiabank.py +104 −0

		`@@ -0,0 +1,104 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/scotiabank.py : Banque Scotia — API JSON publique
	5	+# dmtsms.scotiabank.com (celle que consomme leur propre page de taux).
	6	+# nonspecialmortgage = taux affichés ; varmortgage = slots promotionnels
	7	+# (le mapping slot -> produit vient de la page ; on ne garde que les slots
	8	+# dont l'identité est connue, avec confiance réduite).
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+import json
	13	+
	14	+from .base import RateProvider
	15	+
	16	+POSTED_URL = "https://dmtsms.scotiabank.com/api/rates/daily/nonspecialmortgage"
	17	+PROMO_URL = "https://dmtsms.scotiabank.com/api/rates/daily/varmortgage"
	18	+PAGE_URL = ("https://www.scotiabank.com/ca/en/personal/rates-prices/"
	19	+ "mortgages-rates.html")
	20	+
	21	+# PRODUCT -> (rate_type, insured_status, nom, purpose)
	22	+POSTED_MAP = {
	23	+ "N.H.A. RESIDENTIAL, ETC": ("fixed", "insured", "Fixe affiché (assuré LNH)"),
	24	+ "CONVENTIONAL RESIDENTIAL, ETC": ("fixed", "uninsured", "Fixe affiché (conventionnel)"),
	25	+ "ULTIMATE VARIABLE RATE": ("variable", "unknown", "Ultimate Variable"),
	26	+ "OPEN": ("fixed", "unknown", "Fixe ouvert"),
	27	+ "FLEXIBLE": ("fixed", "unknown", "Flexible"),
	28	+}
	29	+
	30	+# Slots promotionnels dont l'identité est documentée sur la page Scotia
	31	+# (2026-08). Confiance réduite : si Scotia réordonne ses slots, la validation
	32	+# et la comparaison croisée limitent les dégâts.
	33	+PROMO_SLOTS = {
	34	+ "MORTGAGE PROMOTIONAL 1": ("variable", 60, "Flex Value fermé 5 ans (variable)"),
	35	+ "MORTGAGE PROMOTIONAL 2": ("variable", 36, "Ultimate Variable 3 ans"),
	36	+ "MORTGAGE PROMOTIONAL 3": ("variable", 60, "Flex Value ouvert 5 ans (variable)"),
	37	+}
	38	+
	39	+
	40	+def _term_months(t: dict) -> int \| None:
	41	+ try:
	42	+ v = int(t["TERM_VALUE"])
	43	+ except (KeyError, ValueError, TypeError):
	44	+ return None
	45	+ unit = (t.get("TERM_UNIT") or "").upper()
	46	+ if unit == "Y":
	47	+ return v * 12
	48	+ if unit == "M":
	49	+ return v
	50	+ return None
	51	+
	52	+
	53	+class ScotiabankProvider(RateProvider):
	54	+ provider_id = "scotiabank"
	55	+ institution = "Banque Scotia"
	56	+ source_url = PAGE_URL
	57	+ request_delay = 1.0
	58	+
	59	+ def fetch(self) -> list[dict]:
	60	+ posted = self.get(POSTED_URL).text
	61	+ try:
	62	+ promo = self.get(PROMO_URL).text
	63	+ except Exception: # noqa: BLE001 — promos facultatives
	64	+ promo = ""
	65	+ return self.parse(posted) + (self.parse_promos(promo) if promo else [])
	66	+
	67	+ def parse(self, payload: str) -> list[dict]:
	68	+ data = json.loads(payload)
	69	+ out: list[dict] = []
	70	+ for prod in data.get("data") or []:
	71	+ name = (prod.get("PRODUCT") or "").strip()
	72	+ if name not in POSTED_MAP:
	73	+ continue # produits chalet/cap/right-rate : hors périmètre
	74	+ rtype, insured, label = POSTED_MAP[name]
	75	+ for t in prod.get("TERMS") or []:
	76	+ term = _term_months(t)
	77	+ rate = t.get("RATE")
	78	+ if term is None or not isinstance(rate, (int, float)) or rate <= 0:
	79	+ continue
	80	+ out.append(self.make_product(
	81	+ rate=float(rate), rate_type=rtype, term_months=term,
	82	+ kind="posted", product_name=label,
	83	+ insured_status=insured,
	84	+ conditions=name,
	85	+ raw={"product": name, "term": t}))
	86	+ return out
	87	+
	88	+ def parse_promos(self, payload: str) -> list[dict]:
	89	+ data = json.loads(payload)
	90	+ out: list[dict] = []
	91	+ for prod in data.get("data") or []:
	92	+ name = (prod.get("PRODUCT") or "").strip()
	93	+ if name not in PROMO_SLOTS:
	94	+ continue
	95	+ rate = prod.get("RATE")
	96	+ if not isinstance(rate, (int, float)) or rate <= 0:
	97	+ continue # slot inutilisé
	98	+ rtype, term, label = PROMO_SLOTS[name]
	99	+ out.append(self.make_product(
	100	+ rate=float(rate), rate_type=rtype, term_months=term,
	101	+ kind="special", product_name=label, confidence=0.8,
	102	+ conditions=f"Slot promotionnel Scotia ({name})",
	103	+ raw={"product": name, "rate": rate}))
	104	+ return out

added immoka/mortgage/providers/tangerine.py +55 −0

		`@@ -0,0 +1,55 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/tangerine.py : Tangerine — JSON statique publié
	5	+# (currentRates.json, le fichier que charge leur page /rates). Un seul taux
	6	+# par terme (pas de distinction affiché/spécial chez Tangerine) : kind
	7	+# "special" car c'est leur taux client réel.
	8	+# -----------------------------------------------------------------------------
	9	+from __future__ import annotations
	10	+
	11	+import json
	12	+
	13	+from .base import RateProvider, parse_rate
	14	+
	15	+RATES_URL = ("https://www.tangerine.ca/content/dam/tangerine-shared/"
	16	+ "product-rates/currentRates.json")
	17	+
	18	+
	19	+class TangerineProvider(RateProvider):
	20	+ provider_id = "tangerine"
	21	+ institution = "Tangerine"
	22	+ source_url = "https://www.tangerine.ca/en/rates"
	23	+ request_delay = 1.0
	24	+
	25	+ def fetch(self) -> list[dict]:
	26	+ return self.parse(self.get(RATES_URL).text)
	27	+
	28	+ def parse(self, payload: str) -> list[dict]:
	29	+ data = json.loads(payload)
	30	+ out: list[dict] = []
	31	+ for r in data.get("rates") or []:
	32	+ if r.get("group") != "mortgage":
	33	+ continue
	34	+ code = r.get("max_product_code")
	35	+ rate = r.get("interest_rate")
	36	+ term_years = r.get("term")
	37	+ if not isinstance(rate, (int, float)) or rate <= 0:
	38	+ continue
	39	+ if not isinstance(term_years, (int, float)) or term_years <= 0:
	40	+ continue
	41	+ if code == "Mortgage":
	42	+ rtype, label = "fixed", f"Fixe {int(term_years)} an(s)"
	43	+ elif code == "VarMortgage":
	44	+ rtype, label = "variable", f"Variable {int(term_years)} an(s)"
	45	+ else:
	46	+ continue # preferred_* et autres : clients connectés, ignorés
	47	+ apr = parse_rate(r.get("apr_value_en") or "")
	48	+ out.append(self.make_product(
	49	+ rate=float(rate), rate_type=rtype,
	50	+ term_months=int(term_years * 12), kind="special",
	51	+ product_name=label, apr=apr,
	52	+ conditions=f"Taux unique Tangerine (en date du {r.get('date')})",
	53	+ raw={"account_term": r.get("account_term"),
	54	+ "date": r.get("date"), "interest_rate": rate}))
	55	+ return out

added immoka/mortgage/providers/td.py +115 −0

		`@@ -0,0 +1,115 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/providers/td.py : TD Canada Trust — API JSON publique getRates
	5	+# (POST ratesType=resl, celle que consomme leur page de taux). Chaque code
	6	+# MTG{F\|V}{mois}{C\|O} porte deux tableaux highRatio / nonHighRatio de la
	7	+# forme [affiché, escompte, spécial, APR, drapeau]. Le « affiché » des
	8	+# produits variables est le TD Mortgage Prime. ⚠️ Pour les termes sans offre
	9	+# spéciale réelle, TD publie un « spécial » reconstruit (escompte négatif)
	10	+# dont l'APR correspond en fait au taux AFFICHÉ : ces lignes incohérentes
	11	+# (APR < spécial) sont écartées — jamais interprétées.
	12	+# -----------------------------------------------------------------------------
	13	+from __future__ import annotations
	14	+
	15	+import json
	16	+import re
	17	+
	18	+from .base import RateProvider
	19	+
	20	+API_URL = "https://psservice.td.com/ca/en/carate/getRates"
	21	+PAGE_URL = ("https://www.td.com/ca/en/personal-banking/products/mortgages/"
	22	+ "mortgage-rates")
	23	+
	24	+CODE_RX = re.compile(r"^MTG([FV])(\d{3})([CO])$")
	25	+
	26	+IDX_POSTED, IDX_SPECIAL, IDX_APR = 0, 2, 3
	27	+
	28	+
	29	+def _num(v) -> float \| None:
	30	+ try:
	31	+ return float(str(v).strip())
	32	+ except (TypeError, ValueError):
	33	+ return None
	34	+
	35	+
	36	+def _label(months: int) -> str:
	37	+ if months < 12:
	38	+ return f"{months} mois"
	39	+ years = months // 12
	40	+ return f"{years} an" if years == 1 else f"{years} ans"
	41	+
	42	+
	43	+class TdProvider(RateProvider):
	44	+ provider_id = "td"
	45	+ institution = "TD Canada Trust"
	46	+ source_url = PAGE_URL
	47	+ request_delay = 1.0
	48	+
	49	+ def fetch(self) -> list[dict]:
	50	+ wait_kw = {"timeout": self.timeout,
	51	+ "headers": {"Content-Type": "application/json"}}
	52	+ resp = self.session.post(API_URL, json={"ratesType": "resl"}, **wait_kw)
	53	+ resp.raise_for_status()
	54	+ return self.parse(resp.text)
	55	+
	56	+ def parse(self, payload: str) -> list[dict]:
	57	+ data = json.loads(payload)
	58	+ if not isinstance(data, dict):
	59	+ raise ValueError("réponse TD inattendue (structure changée)")
	60	+ for wrapper in ("rates", "data", "result"):
	61	+ if wrapper in data and isinstance(data[wrapper], dict):
	62	+ data = data[wrapper]
	63	+ break
	64	+ out: list[dict] = []
	65	+ prime: float \| None = None
	66	+ for code, tables in data.items():
	67	+ m = CODE_RX.match(str(code))
	68	+ if not m or not isinstance(tables, dict):
	69	+ continue # FLT* (FlexLine/HELOC) et codes inconnus : ignorés
	70	+ rtype = "fixed" if m.group(1) == "F" else "variable"
	71	+ term = int(m.group(2))
	72	+ openness = "fermé" if m.group(3) == "C" else "ouvert"
	73	+ base = ("Fixe" if rtype == "fixed" else "Variable")
	74	+ non_hr = tables.get("nonHighRatio") or []
	75	+ high_r = tables.get("highRatio") or []
	76	+ posted = _num(non_hr[IDX_POSTED]) if len(non_hr) > IDX_POSTED else None
	77	+ if posted and posted > 0:
	78	+ if rtype == "variable":
	79	+ # l'« affiché » des codes MTGV est le TD Mortgage Prime,
	80	+ # pas le taux du produit : jamais émis comme taux variable
	81	+ prime = posted
	82	+ else:
	83	+ out.append(self.make_product(
	84	+ rate=posted, rate_type=rtype, term_months=term,
	85	+ kind="posted",
	86	+ product_name=f"{base} {openness} {_label(term)}",
	87	+ raw={"code": code, "row": non_hr}))
	88	+ for arr, insured, suffix in ((non_hr, "uninsured", ""),
	89	+ (high_r, "insured", ", ratio élevé")):
	90	+ if len(arr) <= IDX_APR:
	91	+ continue
	92	+ special = _num(arr[IDX_SPECIAL])
	93	+ if special is None or special <= 0:
	94	+ continue
	95	+ if posted is not None and special == posted and rtype == "fixed" \
	96	+ and _num(arr[1]) in (0, None):
	97	+ continue # pas de spécial publié pour ce produit
	98	+ apr = _num(arr[IDX_APR])
	99	+ if apr is not None and apr < special - 0.02:
	100	+ continue # « spécial » reconstruit : APR = celui du taux affiché
	101	+ out.append(self.make_product(
	102	+ rate=special, rate_type=rtype, term_months=term,
	103	+ kind="special", apr=apr,
	104	+ product_name=f"{base} {openness} {_label(term)} "
	105	+ f"(offre spéciale{suffix})",
	106	+ insured_status=insured,
	107	+ conditions="Base = TD Mortgage Prime"
	108	+ if rtype == "variable" else None,
	109	+ raw={"code": code, "row": arr}))
	110	+ if prime and prime > 0:
	111	+ out.append(self.make_product(
	112	+ rate=prime, rate_type="other", term_months=12, kind="posted",
	113	+ product_name="TD Mortgage Prime", purpose="unknown",
	114	+ raw={"field": "MTGV*[0]", "value": prime}))
	115	+ return out

added immoka/mortgage/scheduler.py +120 −0

		`@@ -0,0 +1,120 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/scheduler.py : orchestration de la collecte des taux.
	5	+# Pipeline : provider.fetch() -> validation -> enregistrement historisé.
	6	+# Retries avec backoff exponentiel, timeout par provider, logs structurés,
	7	+# santé par provider (provider_runs). Une panne d'un provider n'affecte
	8	+# jamais les autres ni le calculateur (dernière donnée valide conservée).
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+import os
	13	+import time
	14	+import traceback
	15	+
	16	+import requests
	17	+
	18	+from . import store
	19	+from .providers import PROVIDERS
	20	+from .validate import validate_batch
	21	+
	22	+RETRIES = int(os.environ.get("IMMOKA_MORTGAGE_RETRIES", "3"))
	23	+BACKOFF_BASE_S = float(os.environ.get("IMMOKA_MORTGAGE_BACKOFF", "5"))
	24	+# Fréquence de collecte (minutes) — utilisée par watch() ci-dessous.
	25	+INTERVAL_MIN = int(os.environ.get("IMMOKA_MORTGAGE_INTERVAL_MIN", "180"))
	26	+
	27	+
	28	+def _log(**kw) -> None:
	29	+ print("[mortgage] " + " ".join(f"{k}={v}" for k, v in kw.items()),
	30	+ flush=True)
	31	+
	32	+
	33	+def run_provider(slug: str, con=None) -> dict:
	34	+ """Collecte UNE institution avec retries + backoff. Retourne le résumé."""
	35	+ if con is None:
	36	+ con = store.connect()
	37	+ cls = PROVIDERS[slug]
	38	+ t0 = time.time()
	39	+ products: list[dict] \| None = None
	40	+ status, message = "success", ""
	41	+ for attempt in range(RETRIES):
	42	+ try:
	43	+ products = cls().fetch()
	44	+ break
	45	+ except requests.RequestException as exc:
	46	+ status, message = "http_error", str(exc)[:200]
	47	+ except Exception as exc: # noqa: BLE001 — parseur cassé, etc.
	48	+ status, message = "parser_error", str(exc)[:200]
	49	+ traceback.print_exc()
	50	+ if attempt < RETRIES - 1:
	51	+ time.sleep(BACKOFF_BASE_S * (2 ** attempt))
	52	+ duration_ms = int((time.time() - t0) * 1000)
	53	+ if products is None:
	54	+ store.log_run(con, slug, ok=False, status=status,
	55	+ duration_ms=duration_ms, message=message)
	56	+ _log(provider=slug, status=status, duration=f"{duration_ms}ms",
	57	+ message=message or "-")
	58	+ return {"provider": slug, "ok": False, "status": status,
	59	+ "message": message}
	60	+ valid, problems = validate_batch(products)
	61	+ if not valid:
	62	+ status = "empty" if not products else "validation_error"
	63	+ store.log_run(con, slug, ok=False, status=status,
	64	+ products=len(products), rejected=len(problems),
	65	+ duration_ms=duration_ms,
	66	+ message="; ".join(problems[:5]))
	67	+ _log(provider=slug, status=status, products=len(products),
	68	+ rejected=len(problems), duration=f"{duration_ms}ms")
	69	+ return {"provider": slug, "ok": False, "status": status,
	70	+ "problems": problems}
	71	+ res = store.record_observations(con, slug, valid)
	72	+ ok = True
	73	+ if problems or res["rejected"]:
	74	+ status = "success" # partiel : données saines enregistrées quand même
	75	+ store.log_run(con, slug, ok=ok, status=status, products=len(valid),
	76	+ changed=res["changed"],
	77	+ rejected=len(problems) + res["rejected"],
	78	+ duration_ms=duration_ms,
	79	+ message="; ".join((problems + res["rejected_details"])[:5]))
	80	+ _log(provider=slug, status=status, products=len(valid),
	81	+ changed=res["changed"], rejected=len(problems) + res["rejected"],
	82	+ duration=f"{duration_ms}ms")
	83	+ return {"provider": slug, "ok": True, "status": status,
	84	+ "products": len(valid), "changed": res["changed"],
	85	+ "rejected": len(problems) + res["rejected"]}
	86	+
	87	+
	88	+def run(only: list[str] \| None = None) -> list[dict]:
	89	+ """Collecte toutes les institutions (ou celles listées). Séquentiel et
	90	+ poli — jamais de martèlement des sites bancaires."""
	91	+ con = store.connect()
	92	+ slugs = [s for s in sorted(PROVIDERS) if not only or s in only]
	93	+ results = [run_provider(s, con) for s in slugs]
	94	+ ok = sum(1 for r in results if r["ok"])
	95	+ _log(status="done", providers=len(results), ok=ok,
	96	+ failed=len(results) - ok)
	97	+ return results
	98	+
	99	+
	100	+def watch(interval_minutes: int \| None = None) -> None:
	101	+ """Boucle autonome de collecte (défaut : IMMOKA_MORTGAGE_INTERVAL_MIN)."""
	102	+ minutes = interval_minutes or INTERVAL_MIN
	103	+ while True:
	104	+ try:
	105	+ run()
	106	+ except Exception: # noqa: BLE001 — la boucle ne meurt jamais
	107	+ traceback.print_exc()
	108	+ time.sleep(minutes * 60)
	109	+
	110	+
	111	+def maybe_run(min_age_minutes: int \| None = None) -> None:
	112	+ """Collecte seulement si la dernière passe date de plus de
	113	+ `min_age_minutes` — appelé depuis la boucle watch d'ingest.py sans risque
	114	+ de sur-solliciter les banques."""
	115	+ age_min = min_age_minutes or INTERVAL_MIN
	116	+ con = store.connect()
	117	+ last = con.execute("SELECT MAX(ts) AS m FROM provider_runs").fetchone()
	118	+ if last and last["m"] and (time.time() - last["m"]) < age_min * 60:
	119	+ return
	120	+ run()

added immoka/mortgage/store.py +336 −0

		`@@ -0,0 +1,336 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/store.py : persistance des taux hypothécaires (data/mortgage.db).
	5	+# Historisation par périodes de validité : une ligne « courante » par produit
	6	+# (valid_to IS NULL) ; un changement de taux ferme la ligne et en ouvre une
	7	+# nouvelle. Aucune donnée n'est jamais écrasée — l'historique complet se
	8	+# reconstruit par produit. Santé des providers dans provider_runs.
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+import hashlib
	13	+import json
	14	+import sqlite3
	15	+import statistics
	16	+import time
	17	+from pathlib import Path
	18	+
	19	+DB_PATH = Path(__file__).resolve().parent.parent.parent / "data" / "mortgage.db"
	20	+
	21	+# Un taux « courant » plus vieux que STALE_H heures est signalé périmé.
	22	+STALE_H = 24
	23	+# Rejet des sauts aberrants : variation > JUMP_MAX points en < JUMP_WINDOW_H h.
	24	+JUMP_MAX = 2.5
	25	+JUMP_WINDOW_H = 48
	26	+
	27	+_SCHEMA = """
	28	+CREATE TABLE IF NOT EXISTS rate_observations (
	29	+ id INTEGER PRIMARY KEY AUTOINCREMENT,
	30	+ provider TEXT NOT NULL,
	31	+ institution TEXT NOT NULL,
	32	+ product_key TEXT NOT NULL, -- empreinte identité produit
	33	+ product_name TEXT,
	34	+ rate_type TEXT NOT NULL, -- fixed\|variable\|adjustable\|other
	35	+ term_months INTEGER NOT NULL,
	36	+ kind TEXT NOT NULL, -- posted\|special
	37	+ rate REAL NOT NULL, -- taux contractuel en % (ex. 4.19)
	38	+ apr REAL,
	39	+ insured_status TEXT DEFAULT 'unknown', -- insured\|insurable\|uninsured\|unknown
	40	+ purpose TEXT DEFAULT 'purchase', -- purchase\|renewal\|refinance\|unknown
	41	+ amortization_max_years INTEGER,
	42	+ conditions TEXT,
	43	+ source_url TEXT,
	44	+ confidence REAL DEFAULT 1.0,
	45	+ raw TEXT, -- JSON : observation brute (audit)
	46	+ valid_from REAL NOT NULL,
	47	+ valid_to REAL, -- NULL = taux courant
	48	+ last_checked REAL NOT NULL
	49	+);
	50	+CREATE INDEX IF NOT EXISTS idx_rateobs_current
	51	+ ON rate_observations(provider, product_key, valid_to);
	52	+CREATE INDEX IF NOT EXISTS idx_rateobs_lookup
	53	+ ON rate_observations(rate_type, term_months, valid_to);
	54	+
	55	+CREATE TABLE IF NOT EXISTS provider_runs (
	56	+ id INTEGER PRIMARY KEY AUTOINCREMENT,
	57	+ provider TEXT NOT NULL,
	58	+ ts REAL NOT NULL,
	59	+ ok INTEGER,
	60	+ status TEXT, -- success\|http_error\|parser_error\|validation_error\|empty
	61	+ products INTEGER,
	62	+ changed INTEGER,
	63	+ rejected INTEGER,
	64	+ duration_ms INTEGER,
	65	+ message TEXT
	66	+);
	67	+CREATE INDEX IF NOT EXISTS idx_provider_runs ON provider_runs(provider, ts);
	68	+
	69	+-- Préparé pour les notifications futures (« alerte-moi si le 5 ans fixe
	70	+-- passe sous 3,99 % » / « si le paiement de cette propriété passe sous X $ »).
	71	+CREATE TABLE IF NOT EXISTS rate_alerts (
	72	+ id INTEGER PRIMARY KEY AUTOINCREMENT,
	73	+ created REAL NOT NULL,
	74	+ kind TEXT NOT NULL, -- rate_below\|payment_below
	75	+ params TEXT, -- JSON : {rate_type, term_months, uid, down…}
	76	+ threshold REAL NOT NULL,
	77	+ contact TEXT,
	78	+ active INTEGER DEFAULT 1,
	79	+ fired_at REAL
	80	+);
	81	+"""
	82	+
	83	+_SCHEMA_READY = False
	84	+
	85	+
	86	+def connect() -> sqlite3.Connection:
	87	+ global _SCHEMA_READY
	88	+ DB_PATH.parent.mkdir(parents=True, exist_ok=True)
	89	+ con = sqlite3.connect(DB_PATH, timeout=60)
	90	+ con.row_factory = sqlite3.Row
	91	+ con.execute("PRAGMA journal_mode=WAL")
	92	+ con.execute("PRAGMA synchronous=NORMAL")
	93	+ con.execute("PRAGMA busy_timeout=120000")
	94	+ if not _SCHEMA_READY:
	95	+ con.executescript(_SCHEMA)
	96	+ con.commit()
	97	+ _SCHEMA_READY = True
	98	+ return con
	99	+
	100	+
	101	+def product_key(p: dict) -> str:
	102	+ """Identité stable d'un produit : institution + type + terme + nature du
	103	+ taux + assurabilité + objet + nom. Deux produits incompatibles ne
	104	+ partagent jamais la même clé (règle : ne jamais comparer l'incomparable)."""
	105	+ ident = "\|".join([
	106	+ p["provider"], p["rate_type"], str(p["term_months"]), p["kind"],
	107	+ p.get("insured_status") or "unknown", p.get("purpose") or "purchase",
	108	+ (p.get("product_name") or "").strip().lower(),
	109	+ ])
	110	+ return hashlib.sha1(ident.encode()).hexdigest()[:16]
	111	+
	112	+
	113	+def record_observations(con: sqlite3.Connection, provider: str,
	114	+ products: list[dict]) -> dict:
	115	+ """Enregistre une passe de collecte validée.
	116	+
	117	+ Pour chaque produit : si le taux courant est identique → simple mise à
	118	+ jour de last_checked ; s'il a changé → fermeture de la période et
	119	+ insertion d'une nouvelle ligne. Rejette les sauts aberrants (> JUMP_MAX
	120	+ points en < JUMP_WINDOW_H h) sans écraser la bonne donnée précédente.
	121	+ Retourne {seen, changed, rejected, rejected_details}."""
	122	+ now = time.time()
	123	+ changed = 0
	124	+ rejected: list[str] = []
	125	+ for p in products:
	126	+ pk = product_key(p)
	127	+ cur = con.execute(
	128	+ "SELECT id, rate, last_checked FROM rate_observations "
	129	+ "WHERE provider=? AND product_key=? AND valid_to IS NULL",
	130	+ (provider, pk)).fetchone()
	131	+ if cur is not None:
	132	+ if abs(cur["rate"] - p["rate"]) < 1e-9:
	133	+ con.execute(
	134	+ "UPDATE rate_observations SET last_checked=?, apr=?, "
	135	+ "conditions=?, source_url=? WHERE id=?",
	136	+ (now, p.get("apr"), p.get("conditions"),
	137	+ p.get("source_url"), cur["id"]))
	138	+ continue
	139	+ # Garde-fou anti-aberration : ne jamais écraser une donnée saine
	140	+ # par un saut manifestement impossible.
	141	+ age_h = (now - (cur["last_checked"] or now)) / 3600.0
	142	+ if abs(cur["rate"] - p["rate"]) > JUMP_MAX and age_h < JUMP_WINDOW_H:
	143	+ rejected.append(
	144	+ f"{p.get('product_name') or pk}: {cur['rate']} -> "
	145	+ f"{p['rate']} (saut aberrant)")
	146	+ continue
	147	+ con.execute("UPDATE rate_observations SET valid_to=? WHERE id=?",
	148	+ (now, cur["id"]))
	149	+ changed += 1
	150	+ con.execute(
	151	+ "INSERT INTO rate_observations (provider, institution, "
	152	+ "product_key, product_name, rate_type, term_months, kind, rate, "
	153	+ "apr, insured_status, purpose, amortization_max_years, "
	154	+ "conditions, source_url, confidence, raw, valid_from, "
	155	+ "valid_to, last_checked) "
	156	+ "VALUES (?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,NULL,?)",
	157	+ (provider, p["institution"], pk, p.get("product_name"),
	158	+ p["rate_type"], p["term_months"], p["kind"], p["rate"],
	159	+ p.get("apr"), p.get("insured_status") or "unknown",
	160	+ p.get("purpose") or "purchase", p.get("amortization_max_years"),
	161	+ p.get("conditions"), p.get("source_url"),
	162	+ p.get("confidence", 1.0),
	163	+ json.dumps(p.get("raw"), ensure_ascii=False) if p.get("raw") else None,
	164	+ now, now))
	165	+ con.commit()
	166	+ return {"seen": len(products), "changed": changed,
	167	+ "rejected": len(rejected), "rejected_details": rejected}
	168	+
	169	+
	170	+def _row(r: sqlite3.Row) -> dict:
	171	+ d = dict(r)
	172	+ d.pop("raw", None)
	173	+ now = time.time()
	174	+ d["age_minutes"] = round((now - (d.get("last_checked") or now)) / 60)
	175	+ d["stale"] = d["age_minutes"] > STALE_H * 60
	176	+ return d
	177	+
	178	+
	179	+def current_rates(con: sqlite3.Connection, rate_type: str \| None = None,
	180	+ term_months: int \| None = None, kind: str \| None = None,
	181	+ insured_status: str \| None = None,
	182	+ purpose: str \| None = None,
	183	+ provider: str \| None = None) -> list[dict]:
	184	+ """Taux courants (dernière donnée valide par produit), filtrables."""
	185	+ q = ("SELECT * FROM rate_observations WHERE valid_to IS NULL")
	186	+ args: list = []
	187	+ for col, val in (("rate_type", rate_type), ("term_months", term_months),
	188	+ ("kind", kind), ("provider", provider),
	189	+ ("purpose", purpose)):
	190	+ if val is not None:
	191	+ q += f" AND {col}=?"
	192	+ args.append(val)
	193	+ if insured_status is not None:
	194	+ q += " AND insured_status IN (?, 'unknown')"
	195	+ args.append(insured_status)
	196	+ q += " ORDER BY provider, term_months, rate"
	197	+ return [_row(r) for r in con.execute(q, args).fetchall()]
	198	+
	199	+
	200	+def best_rate(con: sqlite3.Connection, rate_type: str = "fixed",
	201	+ term_months: int = 60, insured_status: str \| None = None,
	202	+ purpose: str = "purchase") -> dict \| None:
	203	+ """Meilleur taux courant pour un produit comparable (privilégie les taux
	204	+ « special », sinon posted). Retourne la ligne complète + contexte."""
	205	+ rows = current_rates(con, rate_type=rate_type, term_months=term_months,
	206	+ insured_status=insured_status, purpose=purpose)
	207	+ if not rows:
	208	+ return None
	209	+ # Un seul candidat par institution : special prioritaire, sinon posted.
	210	+ by_inst: dict[str, dict] = {}
	211	+ for r in rows:
	212	+ cur = by_inst.get(r["provider"])
	213	+ if cur is None:
	214	+ by_inst[r["provider"]] = r
	215	+ elif r["kind"] == "special" and cur["kind"] == "posted":
	216	+ by_inst[r["provider"]] = r
	217	+ elif r["kind"] == cur["kind"] and r["rate"] < cur["rate"]:
	218	+ by_inst[r["provider"]] = r
	219	+ candidates = sorted(by_inst.values(), key=lambda r: r["rate"])
	220	+ best = candidates[0]
	221	+ rates = [r["rate"] for r in candidates]
	222	+ return {
	223	+ **best,
	224	+ "median_rate": round(statistics.median(rates), 2) if rates else None,
	225	+ "institutions_count": len(candidates),
	226	+ "per_institution": candidates,
	227	+ }
	228	+
	229	+
	230	+def history(con: sqlite3.Connection, rate_type: str, term_months: int,
	231	+ provider: str \| None = None, kind: str \| None = None,
	232	+ days: int = 365) -> list[dict]:
	233	+ """Historique : périodes de validité (valid_from/valid_to) par produit."""
	234	+ since = time.time() - days * 86400
	235	+ q = ("SELECT provider, institution, product_name, kind, rate, "
	236	+ "insured_status, valid_from, valid_to, last_checked, source_url "
	237	+ "FROM rate_observations WHERE rate_type=? AND term_months=? "
	238	+ "AND (valid_to IS NULL OR valid_to >= ?)")
	239	+ args: list = [rate_type, term_months, since]
	240	+ if provider:
	241	+ q += " AND provider=?"
	242	+ args.append(provider)
	243	+ if kind:
	244	+ q += " AND kind=?"
	245	+ args.append(kind)
	246	+ q += " ORDER BY provider, valid_from"
	247	+ return [dict(r) for r in con.execute(q, args).fetchall()]
	248	+
	249	+
	250	+def rate_at(con: sqlite3.Connection, rate_type: str, term_months: int,
	251	+ ts: float, kind: str = "special") -> float \| None:
	252	+ """Meilleur taux observé (toutes institutions) à un instant donné."""
	253	+ rows = con.execute(
	254	+ "SELECT MIN(rate) AS r FROM rate_observations "
	255	+ "WHERE rate_type=? AND term_months=? AND kind=? AND valid_from<=? "
	256	+ "AND (valid_to IS NULL OR valid_to>?) AND last_checked>=?",
	257	+ (rate_type, term_months, kind, ts, ts, ts - 14 * 86400)).fetchone()
	258	+ if rows is None or rows["r"] is None:
	259	+ # repli : posted si aucun special à cette date
	260	+ rows = con.execute(
	261	+ "SELECT MIN(rate) AS r FROM rate_observations "
	262	+ "WHERE rate_type=? AND term_months=? AND valid_from<=? "
	263	+ "AND (valid_to IS NULL OR valid_to>?)",
	264	+ (rate_type, term_months, ts, ts)).fetchone()
	265	+ return rows["r"] if rows else None
	266	+
	267	+
	268	+def market_stats(con: sqlite3.Connection, rate_type: str = "fixed",
	269	+ term_months: int = 60) -> dict \| None:
	270	+ """Métriques Mortgage Intelligence : meilleur, médian, spread,
	271	+ variations 7/30/90 jours, plus bas observé 6 mois."""
	272	+ best = best_rate(con, rate_type=rate_type, term_months=term_months)
	273	+ if best is None:
	274	+ return None
	275	+ now = time.time()
	276	+ out = {
	277	+ "rate_type": rate_type,
	278	+ "term_months": term_months,
	279	+ "best": best["rate"],
	280	+ "best_provider": best["provider"],
	281	+ "best_institution": best["institution"],
	282	+ "best_kind": best["kind"],
	283	+ "median": best["median_rate"],
	284	+ "spread": (round(best["median_rate"] - best["rate"], 2)
	285	+ if best["median_rate"] is not None else None),
	286	+ "institutions_count": best["institutions_count"],
	287	+ }
	288	+ for label, days in (("var_7d", 7), ("var_30d", 30), ("var_90d", 90)):
	289	+ past = rate_at(con, rate_type, term_months, now - days * 86400)
	290	+ out[label] = round(best["rate"] - past, 2) if past is not None else None
	291	+ low = con.execute(
	292	+ "SELECT MIN(rate) AS r FROM rate_observations "
	293	+ "WHERE rate_type=? AND term_months=? AND kind='special' "
	294	+ "AND last_checked >= ?",
	295	+ (rate_type, term_months, now - 182 * 86400)).fetchone()
	296	+ out["lowest_6m"] = low["r"] if low and low["r"] is not None else None
	297	+ return out
	298	+
	299	+
	300	+def log_run(con: sqlite3.Connection, provider: str, ok: bool, status: str,
	301	+ products: int = 0, changed: int = 0, rejected: int = 0,
	302	+ duration_ms: int = 0, message: str = "") -> None:
	303	+ con.execute(
	304	+ "INSERT INTO provider_runs (provider, ts, ok, status, products, "
	305	+ "changed, rejected, duration_ms, message) VALUES (?,?,?,?,?,?,?,?,?)",
	306	+ (provider, time.time(), 1 if ok else 0, status, products, changed,
	307	+ rejected, duration_ms, message[:500]))
	308	+ con.commit()
	309	+
	310	+
	311	+def provider_health(con: sqlite3.Connection) -> list[dict]:
	312	+ """Dernier état de chaque provider : OK / WARNING / ERROR + fraîcheur."""
	313	+ rows = con.execute(
	314	+ "SELECT p.* FROM provider_runs p JOIN (SELECT provider, MAX(ts) AS m "
	315	+ "FROM provider_runs GROUP BY provider) x "
	316	+ "ON p.provider=x.provider AND p.ts=x.m ORDER BY p.provider").fetchall()
	317	+ now = time.time()
	318	+ out = []
	319	+ for r in rows:
	320	+ d = dict(r)
	321	+ n_current = con.execute(
	322	+ "SELECT COUNT(*) AS n, MAX(last_checked) AS mc "
	323	+ "FROM rate_observations WHERE provider=? AND valid_to IS NULL",
	324	+ (r["provider"],)).fetchone()
	325	+ age_min = round((now - r["ts"]) / 60)
	326	+ if r["ok"] and n_current["n"] > 0:
	327	+ level = "WARNING" if age_min > STALE_H * 60 or r["rejected"] else "OK"
	328	+ elif n_current["n"] > 0:
	329	+ level = "WARNING" # échec récent mais données valides conservées
	330	+ else:
	331	+ level = "ERROR"
	332	+ d.update({"level": level, "age_minutes": age_min,
	333	+ "current_products": n_current["n"],
	334	+ "last_data_at": n_current["mc"]})
	335	+ out.append(d)
	336	+ return out

added immoka/mortgage/validate.py +79 −0

		`@@ -0,0 +1,79 @@`
	1	+# -----------------------------------------------------------------------------
	2	+# Immo-Ka — Agrégateur de maisons à vendre (province de Québec)
	3	+# Auteur : Simon-Pierre Boucher — contact@spboucher.ai
	4	+# mortgage/validate.py : couche de validation des observations de taux.
	5	+# Règle absolue : ne jamais inventer ni laisser passer un taux impossible.
	6	+# 4.19 % -> 419 % doit être rejeté ; une bonne donnée n'est jamais écrasée
	7	+# par une donnée manifestement erronée (garde-fou complémentaire dans
	8	+# store.record_observations).
	9	+# -----------------------------------------------------------------------------
	10	+from __future__ import annotations
	11	+
	12	+RATE_MIN = 0.25 # sous 0,25 % : impossible pour une hypothèque canadienne
	13	+RATE_MAX = 20.0 # au-delà de 20 % : aberrant (même les prêts privés)
	14	+TERM_MIN_MONTHS = 3
	15	+TERM_MAX_MONTHS = 120
	16	+
	17	+VALID_RATE_TYPES = {"fixed", "variable", "adjustable", "other"}
	18	+VALID_KINDS = {"posted", "special"}
	19	+VALID_INSURED = {"insured", "insurable", "uninsured", "unknown"}
	20	+VALID_PURPOSES = {"purchase", "renewal", "refinance", "unknown"}
	21	+
	22	+REQUIRED_FIELDS = ("provider", "institution", "rate_type", "term_months",
	23	+ "kind", "rate", "source_url")
	24	+
	25	+
	26	+def validate_product(p: dict) -> tuple[bool, list[str]]:
	27	+ """Valide UNE observation normalisée. Retourne (ok, problèmes)."""
	28	+ issues: list[str] = []
	29	+ for f in REQUIRED_FIELDS:
	30	+ if p.get(f) in (None, ""):
	31	+ issues.append(f"champ manquant: {f}")
	32	+ if issues:
	33	+ return False, issues
	34	+ rate = p["rate"]
	35	+ if not isinstance(rate, (int, float)):
	36	+ issues.append(f"taux non numérique: {rate!r}")
	37	+ elif rate <= 0:
	38	+ issues.append(f"taux nul ou négatif: {rate}")
	39	+ elif rate < RATE_MIN or rate > RATE_MAX:
	40	+ issues.append(f"taux impossible: {rate}")
	41	+ term = p["term_months"]
	42	+ if not isinstance(term, int) or not (TERM_MIN_MONTHS <= term <= TERM_MAX_MONTHS):
	43	+ issues.append(f"terme invalide: {term!r}")
	44	+ if p["rate_type"] not in VALID_RATE_TYPES:
	45	+ issues.append(f"rate_type invalide: {p['rate_type']}")
	46	+ if p["kind"] not in VALID_KINDS:
	47	+ issues.append(f"kind invalide: {p['kind']}")
	48	+ if p.get("insured_status", "unknown") not in VALID_INSURED:
	49	+ issues.append(f"insured_status invalide: {p.get('insured_status')}")
	50	+ if p.get("purpose", "purchase") not in VALID_PURPOSES:
	51	+ issues.append(f"purpose invalide: {p.get('purpose')}")
	52	+ apr = p.get("apr")
	53	+ if apr is not None:
	54	+ if not isinstance(apr, (int, float)) or apr < RATE_MIN or apr > RATE_MAX:
	55	+ issues.append(f"APR impossible: {apr!r}")
	56	+ elif isinstance(rate, (int, float)) and apr < rate - 0.02:
	57	+ issues.append(f"APR ({apr}) inférieur au taux contractuel ({rate})")
	58	+ return not issues, issues
	59	+
	60	+
	61	+def validate_batch(products: list[dict]) -> tuple[list[dict], list[str]]:
	62	+ """Valide une passe complète : élimine invalides et duplicatas exacts.
	63	+ Retourne (produits valides, problèmes)."""
	64	+ from .store import product_key
	65	+ ok_products: list[dict] = []
	66	+ problems: list[str] = []
	67	+ seen: set[tuple[str, float]] = set()
	68	+ for p in products:
	69	+ valid, issues = validate_product(p)
	70	+ if not valid:
	71	+ name = p.get("product_name") or "?"
	72	+ problems.extend(f"{name}: {i}" for i in issues)
	73	+ continue
	74	+ key = (product_key(p), round(float(p["rate"]), 4))
	75	+ if key in seen:
	76	+ continue # duplicata exact silencieusement ignoré
	77	+ seen.add(key)
	78	+ ok_products.append(p)
	79	+ return ok_products, problems

modified immoka/seo.py +8 −1

		`@@ -610,6 +610,12 @@ _STATIC_META = {`
610	610	"Toutes les bannières et agences agrégées par Immo-Ka : RE/MAX, Via Capitale, "
611	611	"Sutton, Proprio Direct, Engel & Völkers, Sotheby's, DuProprio et plus.",
612	612	False),
	613	+ "/taux-hypothecaires": (
	614	+ "Taux hypothécaires au Canada — comparateur en direct",
	615	+ "Comparez les taux hypothécaires réellement publiés par RBC, TD, BMO, CIBC, "
	616	+ "Scotia, BNC, Desjardins, Tangerine, EQ et plus — fixes et variables, avec "
	617	+ "source officielle, fraîcheur et historique. Collecte continue par Immo-Ka.",
	618	+ False),
613	619	"/conditions": ("Conditions d'utilisation",
614	620	"Conditions d'utilisation de la plateforme Immo-Ka (Groupe-Ka).", False),
615	621	"/confidentialite": ("Politique de confidentialité",
		`@@ -736,7 +742,8 @@ def sitemap_file(name: str) -> Response:`
736	742
737	743	if name == "pages.xml":
738	744	return _xml([_url_el(f"{BASE_URL}{p}")
739		− for p in ["/", "/stats", "/agences", "/conditions", "/confidentialite"]])
	745	+ for p in ["/", "/stats", "/agences", "/taux-hypothecaires",
	746	+ "/conditions", "/confidentialite"]])
740	747
741	748	return Response("Sitemap introuvable", status_code=404)
742	749

modified immoka/web.py +4 −0

		`@@ -35,6 +35,10 @@ app.add_middleware(GZipMiddleware, minimum_size=1024)`
35	35	app.include_router(auth.router)
36	36	# favoris ♥ — magasin central au hub Groupe KA, voir immoka/favorites.py
37	37	app.include_router(favorites.router)
	38	+# moteur hypothécaire — taux réels multibanques + calculateur canadien,
	39	+# voir immoka/mortgage/ (docs/mortgage-engine.md)
	40	+from .mortgage import api as mortgage_api # noqa: E402
	41	+app.include_router(mortgage_api.router)
38	42
39	43	_sync_lock = threading.Lock()
40	44

modified run.py +18 −0

		`@@ -12,6 +12,9 @@`
12	12	python run.py geocode [n] # géocode les annonces sans coordonnées (max n requêtes)
13	13	python run.py poi [n] # commodités de proximité par immeuble (max n requêtes)
14	14	python run.py quartier [n] # rattache chaque annonce à son aire de diffusion (DAUID)
	15	+ python run.py mortgage-sync [slug…] # collecte les taux hypothécaires (toutes banques ou celles listées)
	16	+ python run.py mortgage-watch [min] # collecte en boucle (défaut IMMOKA_MORTGAGE_INTERVAL_MIN=180)
	17	+ python run.py mortgage-status # santé des providers de taux (OK/WARNING/ERROR)
15	18	"""
16	19	from __future__ import annotations
17	20
		`@@ -80,6 +83,21 @@ def main() -> None:`
80	83	vraiprix_local.enrich_role(lim)
81	84	else:
82	85	vraiprix_local.run(lim, revalidate=reval)
	86	+ elif cmd == "mortgage-sync":
	87	+ from immoka.mortgage import scheduler
	88	+ scheduler.run(sys.argv[2:] or None)
	89	+ elif cmd == "mortgage-watch":
	90	+ from immoka.mortgage import scheduler
	91	+ minutes = int(sys.argv[2]) if len(sys.argv) > 2 else None
	92	+ scheduler.watch(minutes)
	93	+ elif cmd == "mortgage-status":
	94	+ from immoka.mortgage import store
	95	+ con = store.connect()
	96	+ for h in store.provider_health(con):
	97	+ print(f"{h['level']:8s} {h['provider']:15s} "
	98	+ f"statut={h.get('status') or '-'} "
	99	+ f"produits_courants={h.get('current_products', 0)} "
	100	+ f"dernière_passe=il y a {h.get('age_minutes', '?')} min")
83	101	elif cmd == "serve":
84	102	import uvicorn
85	103	port = int(sys.argv[2]) if len(sys.argv) > 2 else 8090

added tests/__init__.py +0 −0

added tests/fixtures/mortgage/bank-of-canada.json +253 −0

		`@@ -0,0 +1,253 @@`
	1	+{
	2	+ "terms": {
	3	+ "url": "https://www.bankofcanada.ca/terms/"
	4	+ },
	5	+ "seriesDetail": {
	6	+ "BD.CDN.5YR.DQ.YLD": {
	7	+ "label": "Benchmark bond yield: 5 year",
	8	+ "description": "The yield on the Government of Canada 5-year benchmark bond. This series reports the prevailing yield for the 5-year maturity point on the Canadian government bond yield curve.",
	9	+ "dimension": {
	10	+ "key": "d",
	11	+ "name": "Date"
	12	+ }
	13	+ },
	14	+ "V39079": {
	15	+ "label": "Target for the overnight rate (business daily)",
	16	+ "description": "Also called the policy interest rate, the average rate that the Bank of Canada wants to see in the market for overnight money market financing. (V39079)",
	17	+ "dimension": {
	18	+ "key": "d",
	19	+ "name": "Date"
	20	+ }
	21	+ },
	22	+ "V80691333": {
	23	+ "label": "Conventional mortgage: 1-year",
	24	+ "description": "The interest rate for a 1-year conventional mortgage offered by chartered banks in Canada.",
	25	+ "dimension": {
	26	+ "key": "d",
	27	+ "name": "Date"
	28	+ }
	29	+ },
	30	+ "V80691334": {
	31	+ "label": "Conventional mortgage: 3-year",
	32	+ "description": "The interest rate for a 3-year conventional mortgage offered by chartered banks in Canada.",
	33	+ "dimension": {
	34	+ "key": "d",
	35	+ "name": "Date"
	36	+ }
	37	+ },
	38	+ "V80691335": {
	39	+ "label": "Conventional mortgage: 5-year",
	40	+ "description": "The interest rate for a 5-year conventional mortgage offered by chartered banks in Canada.",
	41	+ "dimension": {
	42	+ "key": "d",
	43	+ "name": "Date"
	44	+ }
	45	+ }
	46	+ },
	47	+ "observations": [
	48	+ {
	49	+ "d": "2026-08-19",
	50	+ "V80691335": {
	51	+ "v": "6.09"
	52	+ },
	53	+ "BD.CDN.5YR.DQ.YLD": {
	54	+ "v": "3.30"
	55	+ },
	56	+ "V39079": {
	57	+ "v": "2.25"
	58	+ },
	59	+ "V80691333": {
	60	+ "v": "5.49"
	61	+ },
	62	+ "V80691334": {
	63	+ "v": "6.05"
	64	+ }
	65	+ },
	66	+ {
	67	+ "d": "2026-08-12",
	68	+ "V80691335": {
	69	+ "v": "6.09"
	70	+ },
	71	+ "BD.CDN.5YR.DQ.YLD": {
	72	+ "v": "3.30"
	73	+ },
	74	+ "V39079": {
	75	+ "v": "2.25"
	76	+ },
	77	+ "V80691333": {
	78	+ "v": "5.49"
	79	+ },
	80	+ "V80691334": {
	81	+ "v": "6.05"
	82	+ }
	83	+ },
	84	+ {
	85	+ "d": "2026-08-05",
	86	+ "V80691335": {
	87	+ "v": "6.09"
	88	+ },
	89	+ "V80691333": {
	90	+ "v": "5.49"
	91	+ },
	92	+ "V80691334": {
	93	+ "v": "6.05"
	94	+ }
	95	+ },
	96	+ {
	97	+ "d": "2026-07-29",
	98	+ "V80691335": {
	99	+ "v": "6.09"
	100	+ },
	101	+ "V80691333": {
	102	+ "v": "5.49"
	103	+ },
	104	+ "V80691334": {
	105	+ "v": "6.05"
	106	+ }
	107	+ },
	108	+ {
	109	+ "d": "2026-07-22",
	110	+ "V80691335": {
	111	+ "v": "6.09"
	112	+ },
	113	+ "V80691333": {
	114	+ "v": "5.49"
	115	+ },
	116	+ "V80691334": {
	117	+ "v": "6.05"
	118	+ }
	119	+ },
	120	+ {
	121	+ "d": "2026-07-15",
	122	+ "V80691335": {
	123	+ "v": "6.09"
	124	+ },
	125	+ "V80691333": {
	126	+ "v": "5.49"
	127	+ },
	128	+ "V80691334": {
	129	+ "v": "6.05"
	130	+ }
	131	+ },
	132	+ {
	133	+ "d": "2026-07-08",
	134	+ "V80691335": {
	135	+ "v": "6.09"
	136	+ },
	137	+ "V80691333": {
	138	+ "v": "5.49"
	139	+ },
	140	+ "V80691334": {
	141	+ "v": "6.05"
	142	+ }
	143	+ },
	144	+ {
	145	+ "d": "2026-07-01",
	146	+ "V80691335": {
	147	+ "v": "6.09"
	148	+ },
	149	+ "V80691333": {
	150	+ "v": "5.49"
	151	+ },
	152	+ "V80691334": {
	153	+ "v": "6.05"
	154	+ }
	155	+ },
	156	+ {
	157	+ "d": "2026-06-24",
	158	+ "V80691335": {
	159	+ "v": "6.09"
	160	+ },
	161	+ "V80691333": {
	162	+ "v": "5.49"
	163	+ },
	164	+ "V80691334": {
	165	+ "v": "6.05"
	166	+ }
	167	+ },
	168	+ {
	169	+ "d": "2026-06-17",
	170	+ "V80691335": {
	171	+ "v": "6.09"
	172	+ },
	173	+ "V80691333": {
	174	+ "v": "5.49"
	175	+ },
	176	+ "V80691334": {
	177	+ "v": "6.05"
	178	+ }
	179	+ },
	180	+ {
	181	+ "d": "2026-08-21",
	182	+ "BD.CDN.5YR.DQ.YLD": {
	183	+ "v": "3.36"
	184	+ },
	185	+ "V39079": {
	186	+ "v": "2.25"
	187	+ }
	188	+ },
	189	+ {
	190	+ "d": "2026-08-20",
	191	+ "BD.CDN.5YR.DQ.YLD": {
	192	+ "v": "3.35"
	193	+ },
	194	+ "V39079": {
	195	+ "v": "2.25"
	196	+ }
	197	+ },
	198	+ {
	199	+ "d": "2026-08-18",
	200	+ "BD.CDN.5YR.DQ.YLD": {
	201	+ "v": "3.29"
	202	+ },
	203	+ "V39079": {
	204	+ "v": "2.25"
	205	+ }
	206	+ },
	207	+ {
	208	+ "d": "2026-08-17",
	209	+ "BD.CDN.5YR.DQ.YLD": {
	210	+ "v": "3.31"
	211	+ },
	212	+ "V39079": {
	213	+ "v": "2.25"
	214	+ }
	215	+ },
	216	+ {
	217	+ "d": "2026-08-14",
	218	+ "BD.CDN.5YR.DQ.YLD": {
	219	+ "v": "3.28"
	220	+ },
	221	+ "V39079": {
	222	+ "v": "2.25"
	223	+ }
	224	+ },
	225	+ {
	226	+ "d": "2026-08-13",
	227	+ "BD.CDN.5YR.DQ.YLD": {
	228	+ "v": "3.23"
	229	+ },
	230	+ "V39079": {
	231	+ "v": "2.25"
	232	+ }
	233	+ },
	234	+ {
	235	+ "d": "2026-08-11",
	236	+ "BD.CDN.5YR.DQ.YLD": {
	237	+ "v": "3.32"
	238	+ },
	239	+ "V39079": {
	240	+ "v": "2.25"
	241	+ }
	242	+ },
	243	+ {
	244	+ "d": "2026-08-10",
	245	+ "BD.CDN.5YR.DQ.YLD": {
	246	+ "v": "3.34"
	247	+ },
	248	+ "V39079": {
	249	+ "v": "2.25"
	250	+ }
	251	+ }
	252	+ ]
	253	+}
		\ No newline at end of file

added tests/fixtures/mortgage/bmo.json +239 −0

		`@@ -0,0 +1,239 @@`
	1	+{
	2	+ "ca-mortgages-special-rates": {
	3	+ "url": "https://www.bmo.com/public-data/api/v2.0/bmo-ca-mortgages-rates.json",
	4	+ "payload": {
	5	+ "fixed3YearClosedSpecial": 4.64,
	6	+ "fixed3YearClosedSpecialApr": 4.67,
	7	+ "fixed3YearClosedSpecialOver25": 4.74,
	8	+ "fixed3YearClosedSpecialOver25Apr": 4.77,
	9	+ "fixed1YearClosedUnder25Apr": 5.58,
	10	+ "fixed1YearClosedOver25Apr": 5.58,
	11	+ "fixed2YearClosedUnder25Apr": 4.93,
	12	+ "fixed2YearClosedOver25Apr": 4.93,
	13	+ "fixed3YearClosedUnder25Apr": 6.08,
	14	+ "fixed3YearClosedOver25Apr": 6.08,
	15	+ "fixed4YearClosedUnder25Apr": 6.01,
	16	+ "fixed4YearClosedOver25Apr": 6.01,
	17	+ "fixed5YearClosedUnder25Apr": 6.11,
	18	+ "fixed5YearClosedOver25Apr": 6.11,
	19	+ "fixed6YearClosedUnder25Apr": 6.31,
	20	+ "fixed6YearClosedOver25Apr": 6.31,
	21	+ "fixed7YearClosedUnder25Apr": 6.41,
	22	+ "fixed7YearClosedOver25Apr": 6.41,
	23	+ "fixed10YearClosedUnder25Apr": 6.81,
	24	+ "fixed10YearClosedOver25Apr": 6.81,
	25	+ "fixed6MonthConvertibleUnder25Apr": 5.67,
	26	+ "fixed6MonthConvertibleOver25Apr": 5.67,
	27	+ "fixed6MonthOpenUnder25Apr": 10.13,
	28	+ "fixed6MonthOpenOver25Apr": 10.13,
	29	+ "fixed1YearOpenUnder25Apr": 10.04,
	30	+ "fixed1YearOpenOver25Apr": 10.04,
	31	+ "smartFixed5YearClosedSpecial": 4.84,
	32	+ "smartFixed5YearClosedSpecialApr": 4.86,
	33	+ "smartFixed5YearClosedHighRatioSpecial": 4.74,
	34	+ "smartFixed5YearClosedHighRatioSpecialApr": 4.76,
	35	+ "smartFixed5YearClosedPostedApr": 4.81,
	36	+ "smartFixed10YearClosedPostedApr": 5.62,
	37	+ "fixed5YearClosedSmartUnder25Apr": 6.01,
	38	+ "fixed10YearClosedSmartUnder25Apr": 6.71,
	39	+ "variable5YearClosedSpecial": 4.1,
	40	+ "variable5YearClosedSpecialApr": 4.12,
	41	+ "variable5YearClosedSpecialOver25": 4.2,
	42	+ "variable5YearClosedSpecialOver25Apr": 4.22,
	43	+ "variable3YearOpenUnder25Apr": 7.78,
	44	+ "variable3YearOpenOver25Apr": 7.78,
	45	+ "variable5YearClosedUnder25Apr": 4.47,
	46	+ "variable5YearClosedOver25Apr": 4.47
	47	+ }
	48	+ },
	49	+ "epm-mortgage": {
	50	+ "url": "https://www.bmo.com/public-data/api/epm/v1.0/bmo-epm-mortgage.json",
	51	+ "payload": {
	52	+ "mortgageRates": {
	53	+ "fixed": {
	54	+ "6MonthConvertible": {
	55	+ "en": "6 month (convertible)",
	56	+ "fr": "6 mois (convertible)",
	57	+ "value": "5.490",
	58	+ "term_months": "6"
	59	+ },
	60	+ "6MonthOpen": {
	61	+ "en": "6 month (open)",
	62	+ "fr": "6 mois (ouvert)",
	63	+ "value": "9.950",
	64	+ "term_months": "6"
	65	+ },
	66	+ "1YearClosed": {
	67	+ "en": "1 year (closed)",
	68	+ "fr": "1 an (ferm\u00e9)",
	69	+ "value": "5.490",
	70	+ "term_months": "12"
	71	+ },
	72	+ "1YearOpen": {
	73	+ "en": "1 year (open)",
	74	+ "fr": "1 an (ouvert)",
	75	+ "value": "9.950",
	76	+ "term_months": "12"
	77	+ },
	78	+ "2YearClosed": {
	79	+ "en": "2 year (closed)",
	80	+ "fr": "2 ans (ferm\u00e9)",
	81	+ "value": "4.890",
	82	+ "term_months": "24"
	83	+ },
	84	+ "3YearClosed": {
	85	+ "en": "3 year (closed)",
	86	+ "fr": "3 ans (ferm\u00e9)",
	87	+ "value": "6.050",
	88	+ "term_months": "36"
	89	+ },
	90	+ "4YearClosed": {
	91	+ "en": "4 year (closed)",
	92	+ "fr": "4 ans (ferm\u00e9)",
	93	+ "value": "5.990",
	94	+ "term_months": "48"
	95	+ },
	96	+ "5YearClosed": {
	97	+ "en": "5 year (closed)",
	98	+ "fr": "5 ans (ferm\u00e9)",
	99	+ "value": "6.090",
	100	+ "term_months": "60"
	101	+ },
	102	+ "6YearClosed": {
	103	+ "en": "6 year (closed)",
	104	+ "fr": "6 ans (ferm\u00e9)",
	105	+ "value": "6.290",
	106	+ "term_months": "72"
	107	+ },
	108	+ "7YearClosed": {
	109	+ "en": "7 year (closed)",
	110	+ "fr": "7 ans (ferm\u00e9)",
	111	+ "value": "6.400",
	112	+ "term_months": "84"
	113	+ },
	114	+ "10Yearclosed": {
	115	+ "en": "10 year(closed)",
	116	+ "fr": "10 ans (ferm\u00e9)",
	117	+ "value": "6.800",
	118	+ "term_months": "120"
	119	+ },
	120	+ "18YearOpen": {
	121	+ "en": "18 year (open)",
	122	+ "fr": "18 ans (ouvert)",
	123	+ "value": "8.500",
	124	+ "term_months": "216"
	125	+ }
	126	+ },
	127	+ "variable": {
	128	+ "12VariableLimited": {
	129	+ "en": "012 VARIABLE LIMITED",
	130	+ "fr": "VARIABLE LIMITEE",
	131	+ "value": "2.750",
	132	+ "term_months": "12"
	133	+ },
	134	+ "12VariableOpen": {
	135	+ "en": "012 VARIABLE OPEN",
	136	+ "fr": "VARIABLE OUVERT",
	137	+ "value": "2.750",
	138	+ "term_months": "12"
	139	+ },
	140	+ "3YearOpen": {
	141	+ "en": "3 year (open)",
	142	+ "fr": "3 ans (ouvert)",
	143	+ "value": "7.750",
	144	+ "term_months": "36"
	145	+ },
	146	+ "5YearClosed": {
	147	+ "en": "5 year (closed)",
	148	+ "fr": "5 ans (ferm\u00e9)",
	149	+ "value": "4.450",
	150	+ "term_months": "60"
	151	+ }
	152	+ },
	153	+ "fixedEcoSmartRate": {
	154	+ "5YearBmoEcoSmartMortgageTmClosed": {
	155	+ "en": "5 year (BMO Eco Smart Mortgage (TM) closed)",
	156	+ "fr": "5 ans (Hypoth\u00e8que \u00c9nergie Plus BMO (MC) ferm\u00e9)",
	157	+ "value": "5.340",
	158	+ "term_months": "60"
	159	+ }
	160	+ },
	161	+ "fixedLowRate": {
	162	+ "5YearLowRateClosed": {
	163	+ "en": "5 year low rate (closed)",
	164	+ "fr": "5 ans - petit taux (ferm\u00e9)",
	165	+ "value": "5.990",
	166	+ "term_months": "60"
	167	+ },
	168	+ "10YearLowRateClosed": {
	169	+ "en": "10 year low rate (closed)",
	170	+ "fr": "10 ans - petit taux (ferm\u00e9)",
	171	+ "value": "6.700",
	172	+ "term_months": "120"
	173	+ }
	174	+ }
	175	+ },
	176	+ "specialMortgageRates": {
	177	+ "fixed": {
	178	+ "36Month": "0.000",
	179	+ "48Month": "0.000",
	180	+ "60Month": "5.290",
	181	+ "84Month": "6.350",
	182	+ "120Month": "6.750"
	183	+ },
	184	+ "fixedEcoSmartRate": {
	185	+ "60Month": "4.090"
	186	+ },
	187	+ "fixedLowRate": {
	188	+ "60Month": "5.990",
	189	+ "120Month": "6.700"
	190	+ }
	191	+ },
	192	+ "homeownerReadiline": {
	193	+ "fixed": {
	194	+ "12Month": "5.490",
	195	+ "24Month": "4.890",
	196	+ "36Month": "6.050",
	197	+ "48Month": "5.990",
	198	+ "60Month": "6.090",
	199	+ "72Month": "6.290",
	200	+ "84Month": "6.400",
	201	+ "120Month": "6.800"
	202	+ },
	203	+ "variable": {
	204	+ "60Month": "4.450"
	205	+ }
	206	+ },
	207	+ "agriInvestRates": {
	208	+ "value": "1.750"
	209	+ },
	210	+ "timestamp": "8/23/2026, 08:36:22"
	211	+ }
	212	+ },
	213	+ "epm-prime": {
	214	+ "url": "https://www.bmo.com/public-data/api/epm/v1.0/bmo-epm-prime.json",
	215	+ "payload": {
	216	+ "caPrimeRate": {
	217	+ "value": "4.450",
	218	+ "effectiveDate": "2025-10-30"
	219	+ },
	220	+ "usBaseRate": {
	221	+ "value": "7.250",
	222	+ "effectiveDate": "2025-12-11"
	223	+ },
	224	+ "caDepositReferenceRate": {
	225	+ "value": "4.300",
	226	+ "effectiveDate": "2025-10-30"
	227	+ },
	228	+ "usDepositReferenceRate": {
	229	+ "value": "3.750",
	230	+ "effectiveDate": "2025-12-11"
	231	+ },
	232	+ "bankOfCanadaOvernightRate": {
	233	+ "value": "2.250",
	234	+ "effectiveDate": "2025-10-30"
	235	+ },
	236	+ "timestamp": "8/23/2026, 08:36:22"
	237	+ }
	238	+ }
	239	+}
		\ No newline at end of file

added tests/fixtures/mortgage/cibc.json +107 −0

		`@@ -0,0 +1,107 @@`
	1	+var p5YRVARCLO = {
	2	+lobId : 5,
	3	+expiryDate : null,
	4	+inceptionDate : 'Fri Mar 07 00:00:00 EST 2008',
	5	+rates : [
	6	+['5_null_null_Years_T', null, 2, '4.12', 'Published', 'Tue Mar 03 00:00:00 EST 2026' ,null],
	7	+['3_null_null_Years_T', null, 18, '4.05', 'Published', 'Tue Mar 03 00:00:00 EST 2026' ,null],
	8	+['5_null_null_Years_T', null, 18, '4.10', 'Published', 'Tue Mar 03 00:00:00 EST 2026' ,null],
	9	+['3_null_null_Years_T', null, 34, '3.45', 'Published', 'Tue Mar 03 00:00:00 EST 2026' ,null],
	10	+['3_null_null_Years_T', null, 1, '4.45', 'Published', 'Tue Mar 03 00:00:00 EST 2026' ,null],
	11	+['5_null_null_Years_T', null, 1, '4.45', 'Published', 'Tue Mar 03 00:00:00 EST 2026' ,null],
	12	+['3_null_null_Years_T', null, 2, '4.07', 'Published', 'Tue Mar 03 00:00:00 EST 2026' ,null],
	13	+['5_null_null_Years_T', null, 34, '3.45', 'Published', 'Tue Mar 03 00:00:00 EST 2026' ,null]
	14	+]}
	15	+var VROM = {
	16	+lobId : 5,
	17	+expiryDate : null,
	18	+inceptionDate : 'Sat Mar 24 00:00:00 EDT 2007',
	19	+rates : [
	20	+['5_null_null_Years_T', null, 2, '-99.999999991', 'Published', 'Thu Oct 30 00:00:00 EDT 2025' ,null],
	21	+['5_null_null_Years_T', null, 18, '-99.999999991', 'Published', 'Thu Oct 30 00:00:00 EDT 2025' ,null],
	22	+['5_null_null_Years_T', null, 1, '7.75', 'Published', 'Thu Oct 30 00:00:00 EDT 2025' ,null],
	23	+['5_null_null_Years_T', null, 34, '7.00', 'Published', 'Thu Oct 30 00:00:00 EDT 2025' ,null]
	24	+]}
	25	+var FOM = {
	26	+lobId : 5,
	27	+expiryDate : null,
	28	+inceptionDate : 'Sat Mar 24 00:00:00 EDT 2007',
	29	+rates : [
	30	+['1_null_null_Year_T', null, 2, '-99.999999991', 'Published', 'Thu Jul 13 00:00:00 EDT 2023' ,null],
	31	+['1_null_null_Year_T', null, 1, '10.00', 'Published', 'Thu Jul 13 00:00:00 EDT 2023' ,null],
	32	+['1_null_null_Year_T', null, 34, '9.10', 'Published', 'Thu Jul 13 00:00:00 EDT 2023' ,null],
	33	+['6_null_null_Months_T', null, 2, '-99.999999991', 'Published', 'Thu Jul 13 00:00:00 EDT 2023' ,null],
	34	+['6_null_null_Months_T', null, 18, '0.00', 'Published', 'Thu Jul 13 00:00:00 EDT 2023' ,null],
	35	+['6_null_null_Months_T', null, 1, '10.00', 'Published', 'Thu Jul 13 00:00:00 EDT 2023' ,null],
	36	+['6_null_null_Months_T', null, 34, '9.95', 'Published', 'Thu Jul 13 00:00:00 EDT 2023' ,null],
	37	+['1_null_null_Year_T', null, 18, '0.00', 'Published', 'Thu Jul 13 00:00:00 EDT 2023' ,null]
	38	+]}
	39	+var FRCM = {
	40	+lobId : 5,
	41	+expiryDate : null,
	42	+inceptionDate : 'Sat Mar 24 00:00:00 EDT 2007',
	43	+rates : [
	44	+['1_null_null_Year_T', null, 2, '4.76', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	45	+['1_null_null_Year_T', null, 1, '4.99', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	46	+['4_null_null_Years_T', null, 18, '4.89', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	47	+['4_null_null_Years_T', null, 34, '3.99', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	48	+['5_null_null_Years_T', null, 1, '6.49', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	49	+['10_null_null_Years_T', null, 2, '-99.999999991', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	50	+['10_null_null_Years_T', null, 1, '6.79', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	51	+['5_null_null_Years_T', null, 18, '4.94', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	52	+['7_null_null_Years_T', null, 1, '6.30', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	53	+['4_null_null_Years_T', null, 2, '4.91', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	54	+['7_null_null_Years_T', null, 2, '5.13', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	55	+['4_null_null_Years_T', null, 1, '6.19', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	56	+['5_null_null_Years_T', null, 34, '4.09', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	57	+['7_null_null_Years_T', null, 34, '4.29', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	58	+['2_null_null_Years_T', null, 18, '4.49', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	59	+['7_null_null_Years_T', null, 18, '5.11', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	60	+['3_null_null_Years_T', null, 1, '6.14', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	61	+['3_null_null_Years_T', null, 2, '4.76', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	62	+['2_null_null_Years_T', null, 34, '3.84', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	63	+['1_null_null_Year_T', null, 18, '4.74', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	64	+['10_null_null_Years_T', null, 18, '-99.999999991', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	65	+['1_null_null_Year_T', null, 34, '4.54', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	66	+['10_null_null_Years_T', null, 34, '4.42', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	67	+['5_null_null_Years_T', null, 2, '4.96', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	68	+['3_null_null_Years_T', null, 18, '4.74', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	69	+['3_null_null_Years_T', null, 34, '3.79', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	70	+['2_null_null_Years_T', null, 1, '5.24', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	71	+['2_null_null_Years_T', null, 2, '4.51', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null]
	72	+]}
	73	+var MICRO = {
	74	+lobId : 5,
	75	+expiryDate : null,
	76	+inceptionDate : 'Thu Jan 13 00:00:00 EST 2011',
	77	+rates : [
	78	+['5_null_null_Years_T', null, 2, '4.61', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	79	+['5_null_null_Years_T', null, 18, '4.59', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null],
	80	+['5_null_null_Years_T', null, 1, '6.49', 'Published', 'Fri Jul 10 00:00:00 EDT 2026' ,null]
	81	+]}
	82	+var CCM = {
	83	+lobId : 5,
	84	+expiryDate : null,
	85	+inceptionDate : 'Sat Mar 24 00:00:00 EDT 2007',
	86	+rates : [
	87	+['6_null_null_Months_T', null, 2, '-99.999999991', 'Published', 'Tue Feb 11 00:00:00 EST 2025' ,null],
	88	+['6_null_null_Months_T', null, 18, '0.00', 'Published', 'Tue Feb 11 00:00:00 EST 2025' ,null],
	89	+['6_null_null_Months_T', null, 1, '7.55', 'Published', 'Tue Feb 11 00:00:00 EST 2025' ,null],
	90	+['6_null_null_Months_T', null, 34, '7.50', 'Published', 'Tue Feb 11 00:00:00 EST 2025' ,null]
	91	+]}
	92	+var MICROVAR = {
	93	+lobId : 5,
	94	+expiryDate : null,
	95	+inceptionDate : 'Fri Jun 10 00:00:00 EDT 2011',
	96	+rates : [
	97	+['5_null_null_Years_T', null, 2, '3.97', 'Published', 'Thu Oct 30 00:00:00 EDT 2025' ,null],
	98	+['5_null_null_Years_T', null, 18, '3.95', 'Published', 'Thu Oct 30 00:00:00 EDT 2025' ,null],
	99	+['5_null_null_Years_T', null, 1, '4.45', 'Published', 'Thu Oct 30 00:00:00 EDT 2025' ,null]
	100	+]}
	101	+var PRIME = {
	102	+lobId : 1,
	103	+expiryDate : null,
	104	+inceptionDate : 'Fri Jan 01 00:00:00 EST 1960',
	105	+rates : [
	106	+[null, null, null, '4.45', 'Published', 'Thu Oct 30 00:00:00 EDT 2025' ,null]
	107	+]}

added tests/fixtures/mortgage/desjardins.html +3 −0

		`@@ -0,0 +1,3 @@`
	1	+<!doctype html><html lang="fr"><head><meta name="mw-date-published" content="2022-09-12"><meta name="mw-date-modified" content="2026-08-10"><meta name="mw-type-page" content="Page d'accueil"><meta name="mw-page-name" content="accueil:hypotheque:taux-hypothecaires"><meta name="mw-lang-en" content="https://www.desjardins.com/en/mortgage/mortgage-rates.html"><meta name="mw-lang-fr" content="https://www.desjardins.com/fr/hypotheque/taux-hypothecaires.html"><meta name="content-page-ref" content="ovnR7Vdh4Q-ODglL5i5BsQwm04GtbtrdVgIsSrXiMD6tRZRThCgA3b9LMzY86_2o7Wn6sGm9KU9URgPlEfF2SA4YmsgTx8UI1ttXtSSMzsu8sYt1IOqZCBh329ze_FNE"/>
	2	+<script defer="defer" type="text/javascript" src="https://rum.hlx.page/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js" data-routing="env=prod,tier=publish,ams=Groupe Technologies Desjardins"></script>
	3	+<script id="consentementCookiesScript" src="https://static.desjardins.com/fw/cookie/scriptCookie.js" data-domain-script="e9872dc2-14af-4d30-b0e9-01b95a0b9ab1"></script><script data-ot-ignore>(function(w,d,s,l,i){w[l]=w[l]\|\|[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.setAttributeNode(d.createAttribute('data-ot-ignore'));j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl + "";f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer',"GTM\u002D5R3PP9");</script><meta charset="UTF-8"><title>Taux hypothécaires actuels : taux fixes et variables - Desjardins</title><meta name="keywords" content="Information,Taux hypothécaires,Taux hypothécaires promotionnels,Prêt hypothécaire,Particuliers"><meta name="description" content="Découvrez nos taux hypothécaires fixes et variables en vigueur. Trouvez le prêt qui répond à vos besoins et réservez votre taux."><meta name="searchCategory" content="Hypothèque"><script type="application/ld+json">{"@context": "https://schema.org","@type": "FAQPage","mainEntity": [{"@type": "Question","name": "<h3>Pourquoi les taux hypothécaires augmentent-ils?</h3>","acceptedAnswer": {"@type": "Answer","text": "<p>La variation à la hausse ou à la baisse des taux hypothécaires dépend principalement du taux directeur établi par la Banque du Canada. Le taux directeur fluctue selon la situation économique au Canada et à l'étranger. Son rôle est de réguler l'inflation en fonction de la croissance économique. Une hausse du taux directeur, et donc des taux hypothécaires, sert à ralentir l'inflation, à stimuler l'épargne et à stabiliser le cycle économique. </p><p>Pour en savoir plus, lisez l'article <a href=\"https://www.desjardins.com/qc/fr/conseils/hausse-taux-hypothecaires-4-questions-reponses.html\" target=\"_blank\" rel=\"noopener noreferrer\">Hausse des taux hypothécaires : 4 questions et leurs réponses</a>.</p>\""}},{"@type": "Question","name": "<h3>Pourquoi réserver mon taux hypothécaire?</h3>","acceptedAnswer": {"@type": "Answer","text": "<p>Réserver votre taux hypothécaire vous permet de vous protéger des hausses de taux pendant vos démarches d'achat de propriété. Nous fixons votre taux en fonction de votre dossier et la durée pour laquelle il est garanti selon votre projet et vos besoins. Pour que votre taux reste garanti, votre dossier et les paramètres de votre financement doivent rester les mêmes durant la période convenue. Sinon, votre garantie de taux pourrait devoir être réévaluée en fonction des derniers taux en vigueur.</p><p>Contactez-nous pour en savoir plus ou réserver votre taux.</p><p><a href=\"https://rappel.desjardins.com/#/dcom-pleine-page?struct=%5B%22VPA%22,%22DPCCCSC%22,%22Financement%22%5D&dest=FIN_Hypotheque_Clic&da=P&source=https:%2F%2Fwww.desjardins.com%2Fparticuliers%2Fprets-marges-cartes-credit%2Fprets-hypothecaires%2Fpreautorisation%2F\" target=\"_blank\" rel=\"noopener noreferrer\">Planifier un appel</a></p>"}},{"@type": "Question","name": "<h3>Comment puis-je me protéger des hausses des taux d'intérêt hypothécaires?</h3>","acceptedAnswer": {"@type": "Answer","text": "<p>Dès le début de vos démarches d'achat de maison, pensez à demander une préautorisation pour garantir votre taux. Évaluez aussi les incidences qu'une augmentation des taux d'intérêt aurait dans votre budget. Même si nous vérifions votre capacité à rembourser votre prêt à un taux plus élevé que celui proposé, votre situation financière peut changer au fil du temps. Assurez-vous donc d'avoir une marge de manœuvre suffisante et de mettre de l'argent de côté dans un <a href=\"https://www.desjardins.com/particuliers/comptes-services-relies/comptes-epargne/\" target=\"_blank\" rel=\"noopener noreferrer\">compte d'épargne</a>.</p>\""}},{"@type": "Question","name": "<h3>J'ai un prêt chez Desjardins. Où puis-je consulter mon taux hypothécaire actuel?</h3>","acceptedAnswer": {"@type": "Answer","text": "<p>Vous pouvez vérifier votre taux actuel et voir d'autres détails sur votre prêt hypothécaire dans AccèsD.</p><h4>Dans un navigateur Web</h4><ol><li>Connectez-vous à <a href=\"https://accweb.mouv.desjardins.com/identifiantunique/securite-garantie/authentification/auth/manuel?domaineVirtuel=desjardins&langueCible=fr&executeTime=24\" target=\"_blank\" rel=\"noopener noreferrer\">AccèsD</a>.</li><li>Sous <strong>Cartes, prêts et marges</strong>, choisissez le compte <strong>Prêt hypothécaire résidentiel</strong>.</li><li>Ouvrez le tiroir <strong>Information sur le compte </strong>pour consulter votre taux hypothécaire et d'autres détails.</li></ol><h4>Dans l'appli Services mobiles Desjardins</h4><ol><li>Connectez-vous à <a href=\"https://accweb.mouv.desjardins.com/identifiantunique/securite-garantie/authentification/auth/manuel?domaineVirtuel=desjardins&langueCible=fr&executeTime=24\" target=\"_blank\" rel=\"noopener noreferrer\">AccèsD</a>.</li><li> Sous <strong>Accès rapide</strong>, choisissez <strong>Mes comptes</strong>.</li><li>Sélectionnez le compte associé à votre prêt hypothécaire résidentiel.</li><li>Sélectionnez <strong>Information</strong>.</li><li>Consultez le <strong>Taux d'intérêt annuel en vigueur</strong>.</li></ol>\""}}]}{"@context": "https://schema.org","about": [{"@type": "Thing","name": "Taux d'intérêt","description": "Le taux d'intérêt d'un prêt ou d'un emprunt fixe la rémunération du capital prêté (exprimée en pourcentage du montant prêté) versée par l'emprunteur au prêteur","SameAs": ["https://www.wikidata.org/wiki/Q179179","https://fr.wikipedia.org/wiki/Taux_d'intérêt"]},{"@type": "Thing","name": "Crédit hypothécaire","description": "Un crédit hypothécaire est un crédit immobilier qui est garanti par une hypothèque, c'est-à-dire que le prêteur dispose du bien immobilier sous-jacent comme garantie sur le prêt","SameAs": ["https://www.wikidata.org/wiki/Q1210094","https://fr.wikipedia.org/wiki/Crédit_hypothécaire"]}],"mentions": [{"@type": "Thing","name": "Taux directeur","description": "Les taux directeurs sont les taux d'intérêt au jour le jour fixés par la banque centrale d'un pays ou d'une union monétaire, et qui permettent à celle-ci de réguler l'activité économique","SameAs": ["https://www.wikidata.org/wiki/Q1210392","https://fr.wikipedia.org/wiki/Taux_directeur"]},{"@type": "Thing","name": "Banque du Canada","description": "La Banque du Canada (en anglais : Bank of Canada) est la banque centrale du Canada. 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class="cmp-breadcrumb__list"><li class="cmp-breadcrumb__item"><a href="/?navigMW=ari" class="cmp-breadcrumb__item-link"> Accueil </a></li><li class="cmp-breadcrumb__item"><a href="/fr/hypotheque.html?navigMW=ari" class="cmp-breadcrumb__item-link"> Hypothèque </a></li><li class="cmp-breadcrumb__item cmp-breadcrumb__item--active">Taux hypothécaires</li></ol></nav></div><div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"><div id="container-ffe6531764" class="cmp-container simple" style=""><div class="vitrine responsivegrid"><div id="at-0043-vitrine" class="cmp-vitrine"><div class="cmp-vitrine cmp-vitrine__container largeImage " style="--vitrine-bg-color:#CCE7D7;"><div class="dsd-w-full flex-container cmp-vitrine__layer"><div class="cmp-vitrine__cartouche"><div><h1 class="cmp-vitrine__pagetitle" style="--pagetitle-text-color:#2f2f2f;">Taux hypothécaires</h1><div class="dsd-mt-lg"><p><span class="dsd-b1"><span class="dsd-b-10">Obtenez un prêt et un taux hypothécaires qui conviennent à vos besoins. Si vous êtes membre, demandez une préautorisation hypothécaire dans nos services mobiles et en ligne pour savoir quel prix vous pourriez payer pour une propriété et réserver votre taux.</span></span></p></div><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="action-link dsd-mt-lg aem-GridColumn aem-GridColumn--default--12"><div class="cmp-action-link"><a href="https://accesdc.mouv.desjardins.com/services/navigation/aiguillage/mon-toit" class="link-principal link-principal-green " data-mw-action-clic="iaw\|hypo\|taux-hypothecaires\|haut\|demander une preautorisation"> <span class="mask-button-states"> <span class="cmp-action-link__label">Demander une préautorisation<span class="dsd-sr-only"> hypothécaire dans nos services mobiles et en ligne</span> </span> </span> </a></div></div><div class="text custom-mt-32 aem-GridColumn aem-GridColumn--default--12"><div id="text-04035b8e47" class="cmp-text"><p><span class="dsd-b-10">Vous n'êtes pas membre? <a href="https://rappel.desjardins.com/#/dcom-pleine-page?struct=%5B%22VPA%22,%22DPCCCSC%22,%22Financement%22%5D&dest=FIN_Hypotheque_Clic&da=P&source=https:%2F%2Fwww.desjardins.com%2Fcontent%2Fdcom%2Ffr%2Fhypotheque%2Ftaux-hypothecaires.html" data-mw-action-clic="iat\|hypo\|taux-hypothecaires\|haut\|planifier un appel">Planifiez un appel</a> pour prendre rendez-vous pour votre demande de préautorisation.</span></p></div></div><div class="text dsd-mt-lg aem-GridColumn aem-GridColumn--default--12"><div id="text-cdf17a7d3e" class="cmp-text"><p>Taux en vigueur le ${currentDate}</p></div></div></div></div></div></div><div class="cmp-vitrine__image-container"><div class="cmp-vitrine__image"><img src="/content/dam/images/vitrines/particuliers/hypotheque/vitrine-taux.jpg" alt fetchpriority="high" style="--vitrine-translate: 0%; --vitrine-translate-mob: 0%"></div></div></div></div></div><div class="container responsivegrid"><div id="container-1035e488e1" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="container responsivegrid cmp-container--main-grid-full cmp-container--main-custom-mt-40 cmp-container--main-dsd-pt-32 aem-GridColumn aem-GridColumn--default--12"><div id="container-0493badef0" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-48eee725a2" tabindex="-1"><h2 class="cmp-title__text ">Trouvez un prêt et un taux hypothécaires adaptés à votre réalité</h2></div></div><div class="text aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="text-b99bb8b429" class="cmp-text"><p>Le taux hypothécaire<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/002-note-generale-taux-hypotheque"><dsd-footnote-ref target="002-note-generale-taux-hypotheque" id="002-note-generale-taux-hypotheque-1">1</dsd-footnote-ref></span> joue souvent un rôle majeur dans le choix d'un prêt. Pour prendre une décision éclairée, il y a toutefois d'autres facteurs à considérer. Votre tolérance au risque, vos connaissances financières et vos projets à court et à long terme en sont quelques-uns.</p><p>Découvrez les taux en vigueur et leurs principales caractéristiques ou apprenez-en plus sur les <a href="/fr/hypotheque/prets-hypothecaires.html">notions de base des prêts hypothécaires</a> pour préparer le financement de votre propriété. Un conseiller ou une conseillère hypothécaire peut aussi vous accompagner dans votre choix.</p></div></div></div></div></div></div></div></div><div class="container responsivegrid cmp-container--main-grid-full cmp-container--main-custom-mt-40 cmp-container--main-custom-mb-40 cmp-container--main-dsd-pt-lg cmp-container--main-dsd-pb-40"><div id="container-7370da3715" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="experiencefragment dsd-pl-0 dsd-pr-0 aem-GridColumn aem-GridColumn--default--12"><div id="experiencefragment-231c5a27e8" class="cmp-experiencefragment cmp-experiencefragment--taux-hypothecaires-promotionnels"><div id="container-3c95d50aa6" class="cmp-container" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-59de7ce039" tabindex="-1"><h2 class="cmp-title__text ">Taux hypothécaires promotionnels</h2></div></div><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--main-va-stretch aem-GridColumn aem-GridColumn--default--12"><div id="container-a15c5f3a5a" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--small--12 aem-Grid--default--12 aem-Grid--xsmall--12 aem-Grid--medium--12 "><div class="container responsivegrid cmp-container--main-cb-md cmp-container--main-custom-mt-24 cmp-container--main-cp-md cmp-container--main-va-flex-start aem-GridColumn--small--none aem-GridColumn--medium--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn--offset--default--0 aem-GridColumn--small--6 aem-GridColumn--offset--medium--0 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--4"><div id="container-a7a8afb1b6" class="cmp-container cmp-container-improved" style="background-color:#D6EFF2;"><div class="aem-Grid aem-Grid--4 aem-Grid--small--6 aem-Grid--default--4 aem-Grid--xsmall--12 aem-Grid--medium--4 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--column-reverse aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--small--6 aem-GridColumn--default--4"><div id="container-afe57008e6" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--4 aem-Grid--default--4 "><div class="title aem-GridColumn aem-GridColumn--default--4"><div class="cmp-title" id="title-f072ef35c2" tabindex="-1"><h3 class="cmp-title__text dsd-t-6">Prêt fermé à taux fixe sur <span class="dsd-ws-nowrap">4 ans<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/005-taux-promo-conditions"><dsd-footnote-ref target="005-taux-promo-conditions" id="005-taux-promo-conditions-1">2</dsd-footnote-ref></span></span></h3></div></div><div class="text dsd-mt-sm aem-GridColumn aem-GridColumn--default--4"><div id="text-4ef92e754b" class="cmp-text"><p><span class="boa-p-display"><strong><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires-promotionnels/6000_4A.rate \| taux \| 2">4,39 %</span></strong></span><span class="dsd-b-10"> <span class="dsd-sr-only"> au lieu de</span> <span class="dsd-td-line-through"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_4A.rate \| taux \| 2">6,04 %</span></span> <span class="dsd-sr-only"> avant la promotion</span></span></p></div></div></div></div></div><div class="text dsd-mt-sm aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--small--6 aem-GridColumn--default--4"><div id="text-97e5767694" class="cmp-text"><p>Ce taux reste le même pendant 4 ans.</p></div></div></div></div></div><div class="container responsivegrid cmp-container--main-cb-md cmp-container--main-custom-mt-24 cmp-container--main-cp-md cmp-container--main-va-flex-start aem-GridColumn--small--none aem-GridColumn--medium--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn--offset--default--0 aem-GridColumn--small--6 aem-GridColumn--offset--medium--0 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--4"><div id="container-57fac91a1a" class="cmp-container cmp-container-improved" style="background-color:#D6EFF2;"><div class="aem-Grid aem-Grid--4 aem-Grid--small--6 aem-Grid--default--4 aem-Grid--xsmall--12 aem-Grid--medium--4 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--column-reverse aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--small--6 aem-GridColumn--default--4"><div id="container-7f1d40f04b" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--4 aem-Grid--default--4 "><div class="title aem-GridColumn aem-GridColumn--default--4"><div class="cmp-title" id="title-54ea562131" tabindex="-1"><h3 class="cmp-title__text dsd-t-6">Prêt fermé à taux fixe sur <span class="dsd-ws-nowrap">5 ans<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/005-taux-promo-conditions"><dsd-footnote-ref target="005-taux-promo-conditions" id="005-taux-promo-conditions-2">2</dsd-footnote-ref></span></span></h3></div></div><div class="text dsd-mt-sm aem-GridColumn aem-GridColumn--default--4"><div id="text-e498d6106f" class="cmp-text"><p><span class="boa-p-display"><strong><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires-promotionnels/6000_5A.rate \| taux \| 2">4,49 %</span></strong></span><span class="dsd-b-10"> <span class="dsd-sr-only"> au lieu de</span> <span class="dsd-td-line-through"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_5A.rate \| taux \| 2">6,09 %</span></span> <span class="dsd-sr-only"> avant la promotion</span></span></p></div></div></div></div></div><div class="text dsd-mt-sm aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--small--6 aem-GridColumn--default--4"><div id="text-f44338255b" class="cmp-text"><p>Ce taux reste le même pendant 5 ans.</p></div></div></div></div></div><div class="container responsivegrid cmp-container--main-cb-md cmp-container--main-custom-mt-24 cmp-container--main-cp-md cmp-container--main-va-flex-start aem-GridColumn--small--none aem-GridColumn--medium--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn--offset--default--0 aem-GridColumn--small--6 aem-GridColumn--offset--medium--0 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--4"><div id="container-4af8662a7c" class="cmp-container cmp-container-improved" style="background-color:#D6EFF2;"><div class="aem-Grid aem-Grid--4 aem-Grid--small--6 aem-Grid--default--4 aem-Grid--xsmall--12 aem-Grid--medium--4 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--column-reverse aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--small--6 aem-GridColumn--default--4"><div id="container-da97fef83d" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--4 aem-Grid--default--4 "><div class="title aem-GridColumn aem-GridColumn--default--4"><div class="cmp-title" id="title-93bfd3ecc9" tabindex="-1"><h3 class="cmp-title__text dsd-t-6">Prêt fermé à taux variable réduit sur <span class="dsd-ws-nowrap">5 ans<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/005-taux-promo-conditions"><dsd-footnote-ref target="005-taux-promo-conditions" id="005-taux-promo-conditions-3">2</dsd-footnote-ref></span></span></h3></div></div><div class="text dsd-mt-sm aem-GridColumn aem-GridColumn--default--4"><div id="text-30bb9aa3d0" class="cmp-text"><p><span class="boa-p-display"><strong><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires-promotionnels/6004_5AR.rate \| taux \| 2">4,10 %</span></strong></span><span class="dsd-b-10"> <span class="dsd-sr-only"> au lieu de</span> <span class="dsd-td-line-through"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/tvred.rate \| taux \| 2">4,45 %</span></span> <span class="dsd-sr-only"> avant la promotion</span></span></p></div></div></div></div></div><div class="text dsd-mt-sm aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--small--6 aem-GridColumn--default--4"><div id="text-f5354d7805" class="cmp-text"><p>Ce taux varie selon notre taux préférentiel<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/018-taux-preferentiel"><dsd-footnote-ref target="018-taux-preferentiel" id="018-taux-preferentiel-1">3</dsd-footnote-ref></span>, mais toujours avec un écart garanti pendant 5 ans.</p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="container responsivegrid"><div id="container-e63b7f8996" class="cmp-container cmp-container-improved" style="background-color:#F4F4F4;"><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="container responsivegrid cmp-container--main-grid-full cmp-container--main-custom-mt-40 cmp-container--main-custom-mb-40 cmp-container--main-dsd-pt-32 cmp-container--main-dsd-pb-40 aem-GridColumn aem-GridColumn--default--12"><div id="container-b8624b9ba7" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit aem-GridColumn aem-GridColumn--default--12"><div id="container-b5b362543f" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit aem-GridColumn aem-GridColumn--default--12"><div id="container-61009c0d22" class="cmp-container cmp-container-improved" style="" data-mw-element-visible="imp\|hypo\|taux-hypothecaires\|na\|Taux fixe"><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-c16d532b51" tabindex="-1"><h2 class="cmp-title__text ">Prêts à taux fixe</h2></div></div><div class="text aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="text-bdff95da18" class="cmp-text"><p>Le <strong>taux fixe</strong> reste stable jusqu'à la fin du terme et vous protège contre les variations de notre taux préférentiel. Cette option peut être avantageuse si vous avez une <strong>faible tolérance au risque </strong>et que vous recherchez une grande stabilité.</p></div></div><div class="container responsivegrid cmp-container--main-cb-md cmp-container--main-custom-mt-24 cmp-container--main-cp-md aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-46016a3692" class="cmp-container cmp-container-improved" style="background-color:#ffffff;"><div class="aem-Grid aem-Grid--10 aem-Grid--small--10 aem-Grid--default--10 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-baa7999d36" tabindex="-1"><h3 class="cmp-title__text ">Prêt fermé à taux fixe</h3></div></div><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-d94ea548fa" tabindex="-1"><h4 class="cmp-title__text ">Taux d'intérêt selon le terme</h4></div></div><div class="table-dsd text first-row-header dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--small--8 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--6 aem-GridColumn--offset--default--0"><dsd-table><div id="table-dsd-b0022c0232" class="cmp-text"><table cellpadding="1" cellspacing="0" border="0"><tbody><tr><th scope="col">Terme</th><th style=" text-align: right;" scope="col">Taux d’intérêt</th></tr><tr><td>6 mois</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_6M.rate \| taux \| 2">7,99 %</span></td></tr><tr><td>1 an</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_1A.rate \| taux \| 2">5,49 %</span></td></tr><tr><td>2 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_2A.rate \| taux \| 2">5,59 %</span></td></tr><tr><td>3 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_3A.rate \| taux \| 2">5,99 %</span></td></tr><tr><td>4 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_4A.rate \| taux \| 2">6,04 %</span></td></tr><tr><td>4 ans en promotion</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires-promotionnels/6000_4A.rate \| taux \| 2">4,39 %</span><span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/005-taux-promo-conditions"><dsd-footnote-ref target="005-taux-promo-conditions" id="005-taux-promo-conditions-4">2</dsd-footnote-ref></span></td></tr><tr><td>5 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_5A.rate \| taux \| 2">6,09 %</span></td></tr><tr><td>5 ans en promotion</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires-promotionnels/6000_5A.rate \| taux \| 2">4,49 %</span><span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/005-taux-promo-conditions"><dsd-footnote-ref target="005-taux-promo-conditions" id="005-taux-promo-conditions-5">2</dsd-footnote-ref></span></td></tr><tr><td>6 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_6A.rate \| taux \| 2">6,29 %</span></td></tr><tr><td>7 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_7A.rate \| taux \| 2">6,39 %</span></td></tr><tr><td>10 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_10A.rate \| taux \| 2">6,89 %</span></td></tr></tbody></table></div> </dsd-table></div><div class="extensible-panel responsivegrid negative-margins-cancelling custom-mt-24 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-extensible-panel"><button id="pret-ferme-taux-fixe" class="cmp-extensible-panel-header" aria-expanded="false"> <span class="cmp-extensible-panel-header__closed-text">Afficher le détail<span class="dsd-sr-only"> du prêt fermé à taux fixe</span></span> <span class="cmp-extensible-panel-header__opened-text">Masquer le détail<span class="dsd-sr-only"> du prêt fermé à taux fixe</span></span> </button><section class="cmp-extensible-panel-body " style="--extensiblePanelBgColor: #ffffff;" aria-label="Prêt fermé à taux fixe"><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--main-cp-md aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-3f2614c719" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-97c9533360" tabindex="-1"><h4 class="cmp-title__text ">Variation du taux</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-9b4a249243" class="cmp-text"><p>Aucune variation de taux durant le terme</p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-87f8ef1db7" tabindex="-1"><h4 class="cmp-title__text ">Paiements hypothécaires</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-fa068d5f43" class="cmp-text"><p>Égaux jusqu'à la fin du terme<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/025-paiements-modifies"><dsd-footnote-ref target="025-paiements-modifies" id="025-paiements-modifies-1">4</dsd-footnote-ref></span></p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-ae8e0aecc1" tabindex="-1"><h4 class="cmp-title__text ">Remboursement anticipé</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-13a5d2a93f" class="cmp-text"><ul><li>Vous avez l’option de rembourser sans frais d'indemnité jusqu’à 15 % du montant initial de votre prêt par an. Si vous n’utilisez pas ce montant, vous ne pouvez pas le reporter à l’année suivante.</li><li>Vous pouvez aller jusqu'à doubler le montant des paiements prévus à votre contrat initial sans frais d'indemnité.</li></ul><p>Si vous choisissez de verser au-delà de ces montants pour rembourser votre prêt plus vite que prévu, vous devez payer des frais d'indemnité.</p></div></div><div class="action-link custom-mb-24 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-action-link"><a href="https://www.desjardins.com/outils/calcul-indemnite-remboursement/index.jsp" class="link-action link-action-green "> <span class="mask-button-states"> <span class="icon"><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </span> <span class="cmp-action-link__label">Estimer les frais d'indemnité hypothécaire </span> </span> </a></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-5898c9e2f1" tabindex="-1"><h4 class="cmp-title__text ">Pourquoi le choisir?</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-fcda030cc8" class="cmp-text"><ul><li>Vous avez une faible tolérance au risque et aux variations de taux.</li><li>Vous voulez éviter les surprises dans votre budget.</li><li>Vous souhaitez profiter de la régularité des paiements pour réaliser d'autres projets sans risquer de les compromettre.</li><li>Vous pensez conserver votre propriété au moins la durée du terme choisi.</li></ul></div></div></div></div></div></div></section></div></div></div></div></div><div class="container responsivegrid cmp-container--main-cb-md cmp-container--main-custom-mt-24 cmp-container--main-cp-md aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-79f3784e4e" class="cmp-container cmp-container-improved" style="background-color:#ffffff;"><div class="aem-Grid aem-Grid--10 aem-Grid--small--10 aem-Grid--default--10 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-dc2acebcd9" tabindex="-1"><h3 class="cmp-title__text ">Prêt ouvert à taux fixe</h3></div></div><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-477a43542a" tabindex="-1"><h4 class="cmp-title__text ">Taux d'intérêt selon le terme</h4></div></div><div class="table-dsd text first-row-header dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--small--8 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--6 aem-GridColumn--offset--default--0"><dsd-table><div id="table-dsd-009ea80183" class="cmp-text"><table cellpadding="1" cellspacing="0" border="0"><tbody><tr><th scope="col">Terme</th><th style=" text-align: right;" scope="col">Taux d’intérêt</th></tr><tr><td>6 mois</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_6MO.rate \| taux \| 2">9,75 %</span></td></tr><tr><td>1 an</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/6000_1AO.rate \| taux \| 2">9,50 %</span></td></tr></tbody></table></div> </dsd-table></div><div class="extensible-panel responsivegrid negative-margins-cancelling custom-mt-24 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-extensible-panel"><button id="pret-ouvert-taux-fixe" class="cmp-extensible-panel-header" aria-expanded="false"> <span class="cmp-extensible-panel-header__closed-text">Afficher le détail<span class="dsd-sr-only"> du prêt ouvert à taux fixe</span></span> <span class="cmp-extensible-panel-header__opened-text">Masquer le détail<span class="dsd-sr-only"> du prêt ouvert à taux fixe</span></span> </button><section class="cmp-extensible-panel-body " style="--extensiblePanelBgColor: #ffffff;" aria-label="Prêt ouvert à taux fixe"><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--main-cp-md aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-c5d420e9e9" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-729af6f9fc" tabindex="-1"><h4 class="cmp-title__text ">Variation du taux</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-46c894c7fd" class="cmp-text"><p>Aucune variation de taux durant le terme</p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-2d259c44e0" tabindex="-1"><h4 class="cmp-title__text ">Paiements hypothécaires</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-56b7c2ab12" class="cmp-text"><p>Égaux jusqu'à la fin du terme<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/025-paiements-modifies"><dsd-footnote-ref target="025-paiements-modifies" id="025-paiements-modifies-2">4</dsd-footnote-ref></span></p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-c058761c57" tabindex="-1"><h4 class="cmp-title__text ">Remboursement anticipé</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-90f03d2454" class="cmp-text"><p>Vous pouvez rembourser votre prêt au complet ou en partie sans frais d'indemnité et en tout temps. Il arrive cependant que des frais d'indemnité soient exigés si vous profitez de certaines offres et que vous remboursez votre prêt plus vite que prévu.</p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-ad9eaf7398" tabindex="-1"><h4 class="cmp-title__text ">Pourquoi le choisir?</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-0c38efec6c" class="cmp-text"><ul><li>Vous avez une faible tolérance au risque et aux variations de taux.</li><li>Vous voulez éviter les surprises dans votre budget.</li><li>Vous allez recevoir un montant d'argent et vous voulez vous en servir pour rembourser votre prêt sans payer de frais d'indemnité.</li><li>Vous planifiez vendre votre propriété ou rembourser la totalité de votre prêt à court terme.</li></ul></div></div></div></div></div></div></section></div></div></div></div></div><div class="separator custom-mt-32 custom-mb-32 aem-GridColumn aem-GridColumn--default--12"><div id="separator-c58da3cdb2" class="cmp-separator"><hr class="cmp-separator__horizontal-rule"></div></div></div></div></div><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit aem-GridColumn aem-GridColumn--default--12"><div id="container-974cbd152a" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-1c4714ac3a" tabindex="-1"><h2 class="cmp-title__text ">Prêts à taux variable</h2></div></div><div class="text aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="text-a730af3143" class="cmp-text"><p>Le <strong>taux variable </strong>augmente ou diminue selon les fluctuations de notre taux préférentiel. Cette option peut être intéressante si vous avez une <strong>bonne tolérance au risque</strong> et que vous voulez profiter des possibles baisses de taux pour économiser sur les intérêts.</p></div></div><div class="container responsivegrid cmp-container--main-cb-md cmp-container--main-custom-mt-24 cmp-container--main-cp-md aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-25f303cacc" class="cmp-container cmp-container-improved" style="background-color:#ffffff;"><div class="aem-Grid aem-Grid--10 aem-Grid--small--10 aem-Grid--default--10 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-4f4c16e85d" tabindex="-1"><h3 class="cmp-title__text ">Prêt fermé à taux variable réduit</h3></div></div><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-dda951b0e1" tabindex="-1"><h4 class="cmp-title__text ">Taux d'intérêt selon le terme</h4></div></div><div class="table-dsd text first-row-header dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--small--8 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--6 aem-GridColumn--offset--default--0"><dsd-table><div id="table-dsd-9732434a16" class="cmp-text"><table cellpadding="1" cellspacing="0" border="0"><tbody><tr><th scope="col">Terme</th><th style=" text-align: right;" scope="col">Taux d’intérêt</th></tr><tr><td>5 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/tvred.rate \| taux \| 2">4,45 %</span></td></tr><tr><td>5 ans en promotion</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires-promotionnels/6004_5AR.rate \| taux \| 2">4,10 %</span><span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/005-taux-promo-conditions"><dsd-footnote-ref target="005-taux-promo-conditions" id="005-taux-promo-conditions-6">2</dsd-footnote-ref></span></td></tr></tbody></table></div> </dsd-table></div><div class="extensible-panel responsivegrid negative-margins-cancelling custom-mt-24 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-extensible-panel"><button id="pret-ferme-taux-variable-reduit" class="cmp-extensible-panel-header" aria-expanded="false"> <span class="cmp-extensible-panel-header__closed-text">Afficher le détail<span class="dsd-sr-only"> du prêt fermé à taux variable réduit</span></span> <span class="cmp-extensible-panel-header__opened-text">Masquer le détail<span class="dsd-sr-only"> du prêt fermé à taux variable réduit</span></span> </button><section class="cmp-extensible-panel-body " style="--extensiblePanelBgColor: #ffffff;" aria-label="Prêt fermé à taux variable réduit"><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--main-cp-md aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-5ee2f2a4e7" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-675b97829c" tabindex="-1"><h4 class="cmp-title__text ">Variation du taux</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-6ac74e637c" class="cmp-text"><p>Votre taux est basé sur notre taux préférentiel plus ou moins un écart garanti tout au long du terme. Votre taux peut donc augmenter ou diminuer à chaque variation de notre taux préférentiel.</p><p>Vous pouvez convertir votre taux variable réduit en taux fixe à tout moment, sans frais d'indemnité et à certaines conditions.</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-5f4567bd33" tabindex="-1"><h5 class="cmp-title__text ">Exemples</h5></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-5da0de9ed3" class="cmp-text"><p>Écart garanti : -0,70 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-174872eba5" tabindex="-1"><h6 class="cmp-title__text ">Variation 1</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-b7d429dbe2" class="cmp-text"><p>Taux préférentiel : 6,75 %<br></p><p>Taux personnalisé : 6,05 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-61ef36122b" tabindex="-1"><h6 class="cmp-title__text ">Variation 2</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-c87603acd3" class="cmp-text"><p>Taux préférentiel : 6,95 %<br></p><p>Taux personnalisé : 6,25 %</p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-ebca627cbb" tabindex="-1"><h4 class="cmp-title__text ">Paiements hypothécaires</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-faaf99753b" class="cmp-text"><p>Égaux jusqu'à la fin du terme<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/025-paiements-modifies"><dsd-footnote-ref target="025-paiements-modifies" id="025-paiements-modifies-3">4</dsd-footnote-ref></span></p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-bc9a5b8d96" tabindex="-1"><h4 class="cmp-title__text ">Remboursement anticipé</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-200b6752ce" class="cmp-text"><ul><li>Vous avez l’option de rembourser sans frais d'indemnité jusqu’à 15 % du montant initial de votre prêt par an. Si vous n’utilisez pas ce montant, vous ne pouvez pas le reporter à l’année suivante.</li><li>Vous pouvez aller jusqu'à doubler le montant des paiements prévus à votre contrat initial sans frais d'indemnité.</li></ul><p>Si vous choisissez de verser au-delà de ces montants pour rembourser votre prêt plus vite que prévu, vous devez payer des frais d'indemnité.</p></div></div><div class="action-link custom-mb-24 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-action-link"><a href="https://www.desjardins.com/outils/calcul-indemnite-remboursement/index.jsp" class="link-action link-action-green "> <span class="mask-button-states"> <span class="icon"><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </span> <span class="cmp-action-link__label">Estimer les frais d'indemnité hypothécaire </span> </span> </a></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-ae6769b977" tabindex="-1"><h4 class="cmp-title__text ">Pourquoi le choisir?</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-199a9691a9" class="cmp-text"><ul><li>Vous pouvez tolérer d'importantes variations de taux et votre budget est flexible.</li><li>Vous avez un niveau élevé de connaissances financières.</li><li>Vous souhaitez payer le moins d'intérêts possible et optimiser le remboursement de votre prêt lorsque les taux baissent.<br></li><li>Vous pensez conserver votre propriété au moins 5 ans.</li></ul></div></div></div></div></div></div></section></div></div></div></div></div><div class="container responsivegrid cmp-container--main-cb-md cmp-container--main-custom-mt-24 cmp-container--main-cp-md aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-41347d2608" class="cmp-container cmp-container-improved" style="background-color:#ffffff;"><div class="aem-Grid aem-Grid--10 aem-Grid--small--10 aem-Grid--default--10 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-16c6c72d63" tabindex="-1"><h3 class="cmp-title__text ">Prêt fermé à taux variable protégé</h3></div></div><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-62d547bd3c" tabindex="-1"><h4 class="cmp-title__text ">Taux d'intérêt selon le terme</h4></div></div><div class="table-dsd text first-row-header dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--small--8 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--6 aem-GridColumn--offset--default--0"><dsd-table><div id="table-dsd-260070e94c" class="cmp-text"><table cellpadding="1" cellspacing="0" border="0"><tbody><tr><th scope="col">Terme</th><th style=" text-align: right;" scope="col">Taux d’intérêt</th></tr><tr><td>5 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/tvp.rate \| taux \| 2">4,70 %</span></td></tr></tbody></table></div> </dsd-table></div><div class="text custom-mt-24 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div id="text-02bdf6d286" class="cmp-text"><p>Taux maximum : <span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/tptvp.rate \| taux \| 2">7,54 %</span></p></div></div><div class="extensible-panel responsivegrid negative-margins-cancelling aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-extensible-panel"><button id="pret-ferme-taux-variable-protege" class="cmp-extensible-panel-header" aria-expanded="false"> <span class="cmp-extensible-panel-header__closed-text">Afficher le détail<span class="dsd-sr-only"> du prêt fermé à taux variable protégé</span></span> <span class="cmp-extensible-panel-header__opened-text">Masquer le détail<span class="dsd-sr-only"> du prêt fermé à taux variable protégé</span></span> </button><section class="cmp-extensible-panel-body " style="--extensiblePanelBgColor: #ffffff;" aria-label="Prêt fermé à taux variable protégé"><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--main-cp-md aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-282f4fcfcb" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-4d7428cc5c" tabindex="-1"><h4 class="cmp-title__text ">Variation du taux</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-0621d6702a" class="cmp-text"><p>Votre taux est basé sur notre taux préférentiel plus ou moins un écart garanti tout au long du terme. Il est protégé par un taux maximum fixé quand vous signez votre prêt. Votre taux peut donc augmenter ou diminuer à chaque variation de notre taux préférentiel, mais il ne dépassera jamais le taux maximum.</p><p>Vous pouvez convertir votre taux variable protégé en taux fixe à tout moment, sans frais d'indemnité et à certaines conditions.</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-b4953cda99" tabindex="-1"><h5 class="cmp-title__text ">Exemples</h5></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-f570e14a1f" class="cmp-text"><p>Écart garanti : -0,60 %<br> Taux maximum : 6,29 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-1a937ab28c" tabindex="-1"><h6 class="cmp-title__text ">Variation 1</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-91493c282c" class="cmp-text"><p>Taux préférentiel : 5,45 %<br></p><p>Taux personnalisé : 4,85 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-eea224f5f0" tabindex="-1"><h6 class="cmp-title__text ">Variation 2</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-7929d4b6db" class="cmp-text"><p>Taux préférentiel : 6,45 %<br></p><p>Taux personnalisé : 5,85 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-42c932a089" tabindex="-1"><h6 class="cmp-title__text ">Variation 3</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-31b6224746" class="cmp-text"><p>Taux préférentiel : 7,45 %<br></p><p>Taux personnalisé : 6,29 % au lieu de 6,85 % puisque votre taux est protégé par le taux maximum</p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-cd87b9871a" tabindex="-1"><h4 class="cmp-title__text ">Paiements hypothécaires</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-9b54e18e71" class="cmp-text"><p>Égaux jusqu'à la fin du terme<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/025-paiements-modifies"><dsd-footnote-ref target="025-paiements-modifies" id="025-paiements-modifies-4">4</dsd-footnote-ref></span></p><p>Le montant des paiements est calculé selon le taux maximum. Si votre taux personnalisé est inférieur au taux maximum, la différence paye votre capital. Plus la différence est élevée, plus vous remboursez votre capital rapidement.</p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-cdc3ac36be" tabindex="-1"><h4 class="cmp-title__text ">Remboursement anticipé</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-d511041817" class="cmp-text"><ul><li>Vous avez l’option de rembourser sans frais d'indemnité jusqu’à 15 % du montant initial de votre prêt par an. Si vous n’utilisez pas ce montant, vous ne pouvez pas le reporter à l’année suivante.</li><li>Vous pouvez aller jusqu'à doubler le montant des paiements prévus à votre contrat initial sans frais d'indemnité.</li></ul><p>Si vous choisissez de verser au-delà de ces montants pour rembourser votre prêt plus vite que prévu, vous devez payer des frais d'indemnité.</p></div></div><div class="action-link custom-mb-24 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-action-link"><a href="https://www.desjardins.com/outils/calcul-indemnite-remboursement/index.jsp" class="link-action link-action-green "> <span class="mask-button-states"> <span class="icon"><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </span> <span class="cmp-action-link__label">Estimer les frais d'indemnité hypothécaire </span> </span> </a></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-dde572ad32" tabindex="-1"><h4 class="cmp-title__text ">Pourquoi le choisir?</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-9d31f6431e" class="cmp-text"><ul><li>Vous avez une certaine tolérance au risque, mais vous voulez garder le contrôle de votre budget.</li><li>Vous connaissez le taux maximum et le montant de vos paiements dès la signature de votre prêt.</li><li>Vous voulez profiter des baisses de taux pour payer votre capital plus vite tout en vous protégeant lors de hausses importantes.<br></li><li>Vous pensez conserver votre propriété au moins 5 ans.</li></ul></div></div></div></div></div></div></section></div></div></div></div></div><div class="container responsivegrid cmp-container--main-cb-md cmp-container--main-custom-mt-24 cmp-container--main-cp-md aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-8906c15709" class="cmp-container cmp-container-improved" style="background-color:#ffffff;"><div class="aem-Grid aem-Grid--10 aem-Grid--small--10 aem-Grid--default--10 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-845ede4db4" tabindex="-1"><h3 class="cmp-title__text ">Prêt ouvert à taux variable régulier</h3></div></div><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-75ed738bf6" tabindex="-1"><h4 class="cmp-title__text ">Taux d'intérêt selon le terme</h4></div></div><div class="table-dsd text first-row-header dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--small--8 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--6 aem-GridColumn--offset--default--0"><dsd-table><div id="table-dsd-6d8b03ab00" class="cmp-text"><table cellpadding="1" cellspacing="0" border="0"><tbody><tr><th scope="col">Terme</th><th style=" text-align: right;" scope="col">Taux d’intérêt</th></tr><tr><td>1 an</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/tvreg.rate \| taux \| 2">5,70 %</span></td></tr><tr><td>2 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/tvreg2.rate \| taux \| 2">5,70 %</span></td></tr></tbody></table></div> </dsd-table></div><div class="extensible-panel responsivegrid negative-margins-cancelling custom-mt-24 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-extensible-panel"><button id="pret-ouvert-taux-variable-regulier" class="cmp-extensible-panel-header" aria-expanded="false"> <span class="cmp-extensible-panel-header__closed-text">Afficher le détail<span class="dsd-sr-only"> du prêt ouvert à taux variable régulier</span></span> <span class="cmp-extensible-panel-header__opened-text">Masquer le détail<span class="dsd-sr-only"> du prêt ouvert à taux variable régulier</span></span> </button><section class="cmp-extensible-panel-body " style="--extensiblePanelBgColor: #ffffff;" aria-label="Prêt ouvert à taux variable régulier"><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--main-cp-md aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-52a42f5d46" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-e0bb75b10b" tabindex="-1"><h4 class="cmp-title__text ">Variation du taux</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-ecfc38a206" class="cmp-text"><p>Votre taux est basé sur notre taux préférentiel plus ou moins un écart garanti tout au long du terme. Votre taux peut donc augmenter ou diminuer à chaque variation de notre taux préférentiel.</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-9891efe340" tabindex="-1"><h5 class="cmp-title__text ">Exemples</h5></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-85823463ac" class="cmp-text"><p>Écart garanti : -0,70 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-5f3151f62f" tabindex="-1"><h6 class="cmp-title__text ">Variation 1</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-c79fffa42d" class="cmp-text"><p>Taux préférentiel : 6,75 %<br></p><p>Taux personnalisé : 6,05 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-889bfc5800" tabindex="-1"><h6 class="cmp-title__text ">Variation 2</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-f31fb1785a" class="cmp-text"><p>Taux préférentiel : 6,95 %<br></p><p>Taux personnalisé : 6,25 %</p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-562b28e765" tabindex="-1"><h4 class="cmp-title__text ">Paiements hypothécaires</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-1c5876f40a" class="cmp-text"><p>Égaux jusqu'à la fin du terme<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/025-paiements-modifies"><dsd-footnote-ref target="025-paiements-modifies" id="025-paiements-modifies-5">4</dsd-footnote-ref></span></p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-bbdf49d3fa" tabindex="-1"><h4 class="cmp-title__text ">Remboursement anticipé</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-b2ead72d72" class="cmp-text"><p>Vous pouvez rembourser votre prêt au complet ou en partie sans frais d'indemnité et en tout temps. Il arrive cependant que des frais d'indemnité soient exigés si vous profitez de certaines offres et que vous remboursez votre prêt plus vite que prévu.</p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-6ebefeea45" tabindex="-1"><h4 class="cmp-title__text ">Pourquoi le choisir?</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-3d409fe732" class="cmp-text"><ul><li>Vous pouvez tolérer d'importantes variations de taux et votre budget est flexible.</li><li>Vous avez un niveau élevé de connaissances financières.</li><li>Vous planifiez vendre votre propriété ou rembourser la totalité de votre prêt à court terme.</li></ul></div></div></div></div></div></div></section></div></div></div></div></div><div class="separator custom-mt-32 custom-mb-32 aem-GridColumn aem-GridColumn--default--12"><div id="separator-7380b9075d" class="cmp-separator"><hr class="cmp-separator__horizontal-rule"></div></div></div></div></div></div></div></div><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit aem-GridColumn aem-GridColumn--default--12"><div id="container-7c5852ff25" class="cmp-container cmp-container-improved" style="" data-mw-element-visible="imp\|hypo\|taux-hypothecaires\|na\|Taux revisable"><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-08c6cb5fcf" tabindex="-1"><h2 class="cmp-title__text ">Prêt à taux révisable annuellement</h2></div></div><div class="text aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="text-5acd498682" class="cmp-text"><p>Le <strong>taux révisable annuellement</strong> est ajusté chaque année en fonction de notre prêt fermé à taux fixe sur 1 an moins un écart. Cette option peut vous convenir si vous avez une <strong>certaine tolérance au risque</strong> et que vous avez la flexibilité financière de faire face à des possibles hausses annuelles.</p></div></div><div class="container responsivegrid cmp-container--main-cb-md cmp-container--main-custom-mt-24 cmp-container--main-cp-md aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-b26a4ce3a9" class="cmp-container cmp-container-improved" style="background-color:#ffffff;"><div class="aem-Grid aem-Grid--10 aem-Grid--small--10 aem-Grid--default--10 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-3630a71a7a" tabindex="-1"><h3 class="cmp-title__text ">Prêt fermé à taux révisable annuellement</h3></div></div><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-8440886370" tabindex="-1"><h4 class="cmp-title__text ">Taux d'intérêt selon le terme</h4></div></div><div class="table-dsd text first-row-header dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--small--8 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--6 aem-GridColumn--offset--default--0"><dsd-table><div id="table-dsd-aa04f0ddb0" class="cmp-text"><table cellpadding="1" cellspacing="0" border="0"><tbody><tr><th scope="col">Terme</th><th style=" text-align: right;" scope="col">Taux d’intérêt</th></tr><tr><td>5 ans</td><td style=" text-align: right;"><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/tra.rate \| taux \| 2">5,49 %</span></td></tr></tbody></table></div> </dsd-table></div><div class="extensible-panel responsivegrid negative-margins-cancelling custom-mt-24 aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-extensible-panel"><button id="pret-ferme-taux-revisable-annuellement" class="cmp-extensible-panel-header" aria-expanded="false"> <span class="cmp-extensible-panel-header__closed-text">Afficher le détail<span class="dsd-sr-only"> du prêt fermé à taux révisable annuellement</span></span> <span class="cmp-extensible-panel-header__opened-text">Masquer le détail<span class="dsd-sr-only"> du prêt fermé à taux révisable annuellement</span></span> </button><section class="cmp-extensible-panel-body " style="--extensiblePanelBgColor: #ffffff;" aria-label="Prêt fermé à taux révisable annuellement"><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--main-cp-md aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div id="container-59adbcb4e9" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-6f876c251b" tabindex="-1"><h4 class="cmp-title__text ">Variation du taux</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-6a8563c1df" class="cmp-text"><p>Votre taux correspond à celui de notre prêt fermé à taux fixe sur 1 an moins un écart garanti. Le pourcentage de cet écart est connu pour chaque année du terme. Votre taux est révisé une fois par an, à la date anniversaire du prêt.</p><p>Vous pouvez convertir votre taux révisable annuellement en taux fixe à tout moment, sans frais d'indemnité et à certaines conditions.</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-d841899752" tabindex="-1"><h5 class="cmp-title__text ">Exemples</h5></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-2c57eb3f62" class="cmp-text"><p>Écart garanti : -0,20 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-57856e8b8e" tabindex="-1"><h6 class="cmp-title__text ">Année 1</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-460321f5ab" class="cmp-text"><p>Taux du prêt fermé à taux fixe sur 1 an : 6,99 %<br></p><p>Taux personnalisé : 6,79 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-3985ca04f2" tabindex="-1"><h6 class="cmp-title__text ">Année 2</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-9980379742" class="cmp-text"><p>Taux du prêt fermé à taux fixe sur 1 an : 6,99 %<br></p><p>Taux personnalisé : 6,79 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-046208a8e4" tabindex="-1"><h6 class="cmp-title__text ">Année 3</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-1638de85f1" class="cmp-text"><p>Taux du prêt fermé à taux fixe sur 1 an : 6,24 %<br></p><p>Taux personnalisé : 6,04 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-be7f983760" tabindex="-1"><h6 class="cmp-title__text ">Année 4</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-ca7c02fe39" class="cmp-text"><p>Taux du prêt fermé à taux fixe sur 1 an : 6,74 %<br></p><p>Taux personnalisé : 6,54 %</p></div></div><div class="title aem-GridColumn aem-GridColumn--default--10"><div class="cmp-title" id="title-126af88da9" tabindex="-1"><h6 class="cmp-title__text ">Année 5</h6></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-d7254c87aa" class="cmp-text"><p>Taux du prêt fermé à taux fixe sur 1 an : 6,49 %<br></p><p>Taux personnalisé : 6,29 %</p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-f5fb7e6426" tabindex="-1"><h4 class="cmp-title__text ">Paiements hypothécaires</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-91b85a7ea9" class="cmp-text"><p>Égaux pendant 12 mois et ajustés chaque année selon votre nouveau taux<span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/025-paiements-modifies"><dsd-footnote-ref target="025-paiements-modifies" id="025-paiements-modifies-6">4</dsd-footnote-ref></span></p></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-357e4107f8" tabindex="-1"><h4 class="cmp-title__text ">Remboursement anticipé</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-4b9eef1281" class="cmp-text"><ul><li>Vous avez l’option de rembourser sans frais d'indemnité jusqu’à 15 % du montant initial de votre prêt par an. Si vous n’utilisez pas ce montant, vous ne pouvez pas le reporter à l’année suivante.</li><li>Vous pouvez aller jusqu'à doubler le montant des paiements prévus à votre contrat initial sans frais d'indemnité.</li></ul><p>Si vous choisissez de verser au-delà de ces montants pour rembourser votre prêt plus vite que prévu, vous devez payer des frais d'indemnité.</p></div></div><div class="action-link custom-mb-24 aem-GridColumn aem-GridColumn--default--10"><div class="cmp-action-link"><a href="https://www.desjardins.com/outils/calcul-indemnite-remboursement/index.jsp" class="link-action link-action-green "> <span class="mask-button-states"> <span class="icon"><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </span> <span class="cmp-action-link__label">Estimer les frais d'indemnité hypothécaire </span> </span> </a></div></div><div class="title aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-95c75f27d1" tabindex="-1"><h4 class="cmp-title__text ">Pourquoi le choisir?</h4></div></div><div class="text aem-GridColumn aem-GridColumn--default--10"><div id="text-deab148853" class="cmp-text"><ul><li>Vous avez une certaine tolérance au risque, mais vous cherchez une prévisibilité à court terme dans votre budget.</li><li>Vous connaissez le taux et le montant de vos paiements sur une base annuelle.</li><li>Vous voulez profiter des potentielles baisses de taux sans vous exposer pleinement aux risques d'un taux variable.<br></li><li>Vous pensez conserver votre propriété au moins 5 ans.</li></ul></div></div></div></div></div></div></section></div></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="container responsivegrid"><div id="container-5c2a61d777" class="cmp-container cmp-container-improved" style="background-color:#ECF5F0;"><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="container responsivegrid cmp-container--main-grid-full cmp-container--main-custom-mt-24 cmp-container--main-custom-mb-24 cmp-container--main-dsd-pt-24 cmp-container--main-dsd-pb-24 cmp-container--main-va-center aem-GridColumn aem-GridColumn--default--12"><div id="taux-preferentiel" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--xsmall--12 "><div class="image aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--default--0"><div data-cmp-is="image" data-cmp-lazy data-cmp-lazythreshold="0" data-cmp-src="/fr/hypotheque/taux-hypothecaires/_jcr_content/root/container/container/container_1823686747/container_1674456545/image.coreimg.85{.width}.png/1677699008335/taux-preferentiel.png" data-cmp-widths="320,480,600,800,1024,1200,1600" data-asset="/content/dam/images/photos/particuliers/hypotheque/taux preferentiel.png" class="cmp-image image-p-0 image-m-0"><noscript data-cmp-hook-image="noscript"><img class="cmp-image__image image-br-md" src="/fr/hypotheque/taux-hypothecaires/_jcr_content/root/container/container/container_1823686747/container_1674456545/image.coreimg.png/1677699008335/taux-preferentiel.png" style="--image-translate: %; --image-translate-mob: %" alt data-cmp-hook-image="image"></noscript></div></div><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit cmp-container--main-custom-mt-32 cmp-container--main-custom-mb-32 aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--default--0"><div id="container-1ef00051d5" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--xsmall--12 "><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--6"><div class="cmp-title" id="title-a49114274e" tabindex="-1"><h2 class="cmp-title__text ">Taux préférentiel</h2></div></div><div class="text aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--6"><div id="text-8449b2d7f6" class="cmp-text"><p><span class="dsd-b-10"><strong><span data-token="prcf:/content/dam/content-fragment/fr/produits/hypotheque/taux-hypothecaires/tpcad.rate \| taux \| 2">4,45 %</span><span data-footnote-token="fnote:/content/dam/content-fragment/fr/notes-legales/hypotheque/018-taux-preferentiel"><dsd-footnote-ref target="018-taux-preferentiel" id="018-taux-preferentiel-2">3</dsd-footnote-ref></span></strong></span><br></p></div></div><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--6"><div class="cmp-title" id="title-72be5a4af7" tabindex="-1"><h3 class="cmp-title__text ">Qu'est-ce que le taux préférentiel?</h3></div></div><div class="text aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--6"><div id="text-42d354ea06" class="cmp-text"><p>C'est le taux que nous utilisons pour fixer les taux d'intérêt de plusieurs de nos prêts et marges de crédit. Comme celui des autres institutions financières, notre taux préférentiel se base sur le taux directeur de la Banque du Canada. Quand le taux directeur augmente ou baisse, notre taux préférentiel suit généralement et influence ensuite les taux de certains de nos produits financiers.</p></div></div><div class="title dsd-mt-lg aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--6"><div class="cmp-title" id="title-b60de3f416" tabindex="-1"><h2 class="cmp-title__text ">Taux d'intérêt de la marge Atout</h2></div></div><div class="text aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--6"><div id="text-58bf0595f3" class="cmp-text"><p>Le taux d'intérêt des prêts liés à votre marge, comme celui associé à votre propriété, est établi selon les conditions décidées au moment de créer le prêt.</p><p>Le taux d'intérêt variable de la marge de crédit hypothécaire est fixé en fonction de notre taux préférentiel plus ou moins un écart de base. Cet écart est ensuite personnalisé selon plusieurs critères, comme votre profil financier ou votre projet.</p></div></div><div class="title aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--6"><div class="cmp-title" id="title-849abb5bc5" tabindex="-1"><h3 class="cmp-title__text dsd-t-6">Exemple</h3></div></div><div class="text aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--6"><div id="text-6d51f26d6e" class="cmp-text"><p>Taux préférentiel : 6,70 %<br> Taux de la marge avec l'écart de base : 7,70 %<br> Taux personnalisé après évaluation du dossier : 7,30 %</p></div></div><div class="action-link dsd-mt-lg aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--6"><div class="cmp-action-link"><a href="/fr/hypotheque/marge-atout.html" class="link-action link-action-green "> <span class="mask-button-states"> <span class="icon"><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </span> <span class="cmp-action-link__label">Découvrir la marge Atout </span> </span> </a></div></div></div></div></div></div></div></div></div></div></div><div class="container responsivegrid"><div id="container-be3542b33e" class="cmp-container cmp-container-improved" style="background-color:#CCE7D7;"><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="container responsivegrid cmp-container--main-grid-full cmp-container--main-custom-mt-40 cmp-container--main-custom-mb-40 cmp-container--main-dsd-pt-40 cmp-container--main-dsd-pb-32 cmp-container--main-va-stretch aem-GridColumn aem-GridColumn--default--12"><div id="container-3d7cb5e087" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="experiencefragment dsd-pl-0 dsd-pr-0 aem-GridColumn aem-GridColumn--default--12"><div id="experiencefragment-ad71b8fe46" class="cmp-experiencefragment cmp-experiencefragment--calculateurs-hypothecaires"><div id="container-3556430b20" class="cmp-container" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--xsmall--12 "><div class="icon-dsd aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><dsd-icon icon-name="contenus_contour_calculateur" fill="light-confirmation-4" size="xl"> </dsd-icon></div><div class="title dsd-mt-lg dsd-mb-sm aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-1b62dc47a9" tabindex="-1"><h2 class="cmp-title__text ">Calculateurs hypothécaires</h2></div></div><div class="semantic-list accordion panelcontainer grid-flow grid-flow--2up aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-semantic-list" id="semantic-list-c463575761" data-panelcontainer="false"><ul class="cmp-semantic-list__unordered-list grid-flow__container"><li class="cmp-semantic-list__item grid-flow__child"><div class="tile responsivegrid"><a href="https://www.desjardins.com/outils/valeur-maison/index.jsp#/valeur-maison" class="tile-center tile-pale "><div class="aem-Grid aem-Grid--5 aem-Grid--default--5 aem-Grid--xsmall--12 "><div class="text dsd-mt-lg aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--5"><div id="text-5c783c9344" class="cmp-text"><p>Calculez combien vous pouvez emprunter</p></div></div></div><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </a></div></li><li class="cmp-semantic-list__item grid-flow__child"><div class="tile responsivegrid"><a href="https://www.desjardins.com/outils/calcul-versements-hypothecaires/index.jsp" class="tile-center tile-pale "><div class="aem-Grid aem-Grid--5 aem-Grid--default--5 aem-Grid--xsmall--12 "><div class="text dsd-mt-lg aem-GridColumn--xsmall--12 aem-GridColumn aem-GridColumn--default--5"><div id="text-4fb1d9fbeb" class="cmp-text"><p>Calculez et optimisez vos paiements hypothécaires</p></div></div></div><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </a></div></li></ul></div></div></div></div></div></div></div></div></div></div></div></div><div class="container responsivegrid"><div id="container-c9bc1c628e" class="cmp-container cmp-container-improved" style="background-color:#f2f2f2;"><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="container responsivegrid cmp-container--main-grid-full cmp-container--main-custom-mt-40 cmp-container--main-custom-mb-40 cmp-container--main-dsd-pt-32 cmp-container--main-dsd-pb-40 aem-GridColumn aem-GridColumn--default--12"><div id="container-ff9402e2e0" class="cmp-container cmp-container-improved" style=""><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "><div class="container responsivegrid cmp-container--main-retrait-gutter-gauche cmp-container--main-retrait-gutter-droit aem-GridColumn aem-GridColumn--default--12"><div id="container-36221c373d" class="cmp-container cmp-container-improved" style="" data-mw-element-visible="imp\|hypo\|taux-hypothecaires\|na\|Faq"><div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--xsmall--12 "><div class="title dsd-mb-lg aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-title" id="title-163861b25a" tabindex="-1"><h2 class="cmp-title__text ">Foire aux questions</h2></div></div><div class="faq dsd-mb-lg aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div class="cmp-faq"><dsd-accordion class="cmp-accordion-dsd"><h3 slot="title">Pourquoi les taux hypothécaires augmentent-ils?</h3><p>La variation à la hausse ou à la baisse des taux hypothécaires dépend principalement du taux directeur établi par la Banque du Canada. Le taux directeur fluctue selon la situation économique au Canada et à l'étranger. Son rôle est de réguler l'inflation en fonction de la croissance économique. Une hausse du taux directeur, et donc des taux hypothécaires, sert à ralentir l'inflation, à stimuler l'épargne et à stabiliser le cycle économique.</p><p>Pour en savoir plus, lisez l'article <a href="/fr/conseils/taux-hypothecaires-4-questions-reponses.html">Hausse des taux hypothécaires : 4 questions et leurs réponses</a>.</p> </dsd-accordion> <dsd-accordion class="cmp-accordion-dsd"><h3 slot="title">Pourquoi réserver mon taux hypothécaire?</h3><p>Réserver votre taux hypothécaire vous permet de vous protéger en cas de hausse des taux pendant vos démarches d'achat de propriété. Nous fixons votre taux en fonction de votre dossier et la durée pour laquelle il est garanti selon votre projet et vos besoins. Pour que votre taux reste garanti, votre dossier et les paramètres de votre financement doivent rester les mêmes durant la période convenue. Sinon, votre garantie de taux pourrait devoir être réévaluée en fonction des derniers taux en vigueur.</p><p>Contactez-nous pour en savoir plus ou réserver votre taux.</p> </dsd-accordion> <dsd-accordion class="cmp-accordion-dsd"><h3 slot="title">Comment puis-je me protéger en cas de hausse des taux d'intérêt hypothécaires?</h3><p>Dès le début de vos démarches d'achat de maison, pensez à demander une préautorisation pour garantir votre taux. Évaluez aussi les incidences qu'une augmentation des taux d'intérêt aurait dans votre budget. Même si nous vérifions votre capacité à rembourser votre prêt à un taux plus élevé que celui proposé, votre situation financière peut changer au fil du temps. Assurez-vous donc d'avoir une marge de manœuvre suffisante et de mettre de l'argent de côté dans un <a href="https://www.desjardins.com/particuliers/comptes-services-relies/comptes-epargne/">compte d'épargne</a>.</p> </dsd-accordion> <dsd-accordion class="cmp-accordion-dsd"><h3 slot="title">J'ai un prêt chez Desjardins. Où puis-je consulter mon taux hypothécaire actuel?</h3><p>Vous pouvez vérifier votre taux actuel et voir d'autres détails sur votre prêt hypothécaire dans AccèsD.</p><p><b>Dans un navigateur Web</b></p><ol><li>Connectez-vous à <a href="https://accweb.mouv.desjardins.com/identifiantunique/securite-garantie/authentification/auth/manuel?domaineVirtuel=desjardins&langueCible=fr&executeTime=24">AccèsD</a>.</li><li>Sous <b>Cartes, prêts et marges de crédit</b>, choisissez le compte <b>Prêt hypothécaire résidentiel.</b></li><li>Ouvrez le tiroir <b>Information sur le compte</b> pour consulter votre taux hypothécaire et d'autres détails.</li></ol><p><b><br> Dans l'appli Services mobiles Desjardins</b></p><ol><li>Connectez-vous à <a href="https://accweb.mouv.desjardins.com/identifiantunique/securite-garantie/authentification/auth/manuel?domaineVirtuel=desjardins&langueCible=fr&executeTime=24">AccèsD</a>.</li><li>Sous <b>Accès rapide</b>, choisissez <b>Mes comptes</b>.</li><li>Sous <b>Cartes, prêts et marges de crédit</b>, sélectionnez le compte associé à votre prêt hypothécaire résidentiel.</li><li>Sélectionnez <b>Information</b>.</li><li>Consultez le <b>Taux d'intérêt annuel en vigueur</b>.</li></ol> </dsd-accordion></div></div><div class="action-link aem-GridColumn aem-GridColumn--default--12"><div class="cmp-action-link"><a href="/fr/hypotheque/faq.html" class="link-action link-action-green "> <span class="mask-button-states"> <span class="icon"><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </span> <span class="cmp-action-link__label">Voir plus de questions sur l'hypothèque </span> </span> </a></div></div></div></div></div></div></div></div></div></div></div><div class="container responsivegrid 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aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--small--10 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--3 aem-GridColumn--offset--default--0"><div id="text-1b04912587" class="cmp-text"><p>Lundi au vendredi : 8 h à 21 h<br> Samedi : 9 h à 18 h</p></div></div><div class="text dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--small--10 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--3 aem-GridColumn--offset--default--0"><div id="text-afbe42b1e6" class="cmp-text"><p>Région de Montréal :<br> <span class="dsd-b-10"><strong><a href="tel:5147459499" class="dsd-c-light-confirmation-5">514 745-9499<span class="dsd-sr-only"> Ce lien ouvre votre application de 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aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--small--10 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--3 aem-GridColumn--offset--default--0"><div id="text-2271d5293b" class="cmp-text"><p>Si vous êtes membre, utilisez nos services mobiles et en ligne pour prendre un rendez-vous en personne, par téléphone ou par vidéo.</p></div></div><div class="action-link dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--small--10 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--3 aem-GridColumn--offset--default--0"><div class="cmp-action-link"><a href="https://accesdc.mouv.desjardins.com/services/navigation/aiguillage/prise-rendez-vous" class="link-secondary link-secondary-green " data-mw-action-clic="ias\|hypo\|bloc demandez une preautorisation\|bas\|prendre rendez vous"> 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tile-pale "><div class="aem-Grid aem-Grid--6 aem-Grid--small--6 aem-Grid--default--6 aem-Grid--xsmall--12 aem-Grid--medium--6 "><div class="title dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--medium--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn--offset--default--0 aem-GridColumn--small--6 aem-GridColumn--offset--medium--0 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--6"><div class="cmp-title" id="title-f4918c858c" tabindex="-1"><h3 class="cmp-title__text dsd-t-4">Préautorisation hypothécaire</h3></div></div></div><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </a></div><div class="tile responsivegrid aem-GridColumn--small--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--default--none aem-GridColumn--xsmall--12 aem-GridColumn--xsmall--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--6 aem-GridColumn--offset--default--0 aem-GridColumn--small--6"><a href="/fr/hypotheque/renouvellement-hypothecaire.html" class="tile-center tile-pale "><div class="aem-Grid aem-Grid--6 aem-Grid--small--6 aem-Grid--default--6 aem-Grid--xsmall--12 aem-Grid--large--6 aem-Grid--medium--6 "><div class="title dsd-mt-sm aem-GridColumn--small--none aem-GridColumn--medium--none aem-GridColumn--offset--xsmall--0 aem-GridColumn--offset--large--0 aem-GridColumn--default--none aem-GridColumn--medium--4 aem-GridColumn--xsmall--12 aem-GridColumn--offset--default--0 aem-GridColumn--small--6 aem-GridColumn--offset--medium--0 aem-GridColumn--large--4 aem-GridColumn--xsmall--none aem-GridColumn--large--none aem-GridColumn aem-GridColumn--offset--small--0 aem-GridColumn--default--6"><div class="cmp-title" id="title-e6282c5919" tabindex="-1"><h3 class="cmp-title__text dsd-t-4">Renouvellement de votre prêt</h3></div></div></div><svg class="arrow" viewbox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><path d="M20.704 11.29l-5.998-5.996a1.004 1.004 0 00-1.42 1.419l4.3 4.287H4a1 1 0 100 1.998h13.585l-4.298 4.287a1 1 0 000 1.42 1 1 0 001.42 0l5.997-5.996a1 1 0 000-1.42z" fill-rule="evenodd" /></svg> </a></div></div></div></div><div class="footnotes-dsd aem-GridColumn aem-GridColumn--default--12"><dsd-footnote-group class="cmp-footnotes-dsd" slot="list" footnote-group-title="Notes"><div slot="list"><dsd-footnote list-type="decimal" id="002-note-generale-taux-hypotheque" return-id="002-note-generale-taux-hypotheque-1">Ces taux peuvent être modifiés sans préavis. À moins d’indication contraire, ils peuvent être personnalisés et varier à la baisse ou à la hausse selon plusieurs critères, comme votre profil financier ou encore votre projet.<br><br> Les taux peuvent différer si l'amortissement de votre prêt hypothécaire est supérieur à 25 ans. Contactez un conseiller ou une conseillère pour plus d'information.<br><br> Ces taux d'intérêt sont recommandés par la Fédération des caisses Desjardins du Québec à l'ensemble de ses caisses.</dsd-footnote><dsd-footnote list-type="decimal" id="005-taux-promo-conditions" return-id="005-taux-promo-conditions-1">Vous devez remplir les conditions applicables pour bénéficier de la promotion.</dsd-footnote><dsd-footnote list-type="decimal" id="018-taux-preferentiel" return-id="018-taux-preferentiel-1">Le taux préférentiel Desjardins était anciennement appelé le taux préférentiel de la Caisse centrale Desjardins.</dsd-footnote><dsd-footnote list-type="decimal" id="025-paiements-modifies" return-id="025-paiements-modifies-1">Vos paiements pourraient être modifiés dans certaines situations prévues à votre contrat.</dsd-footnote></div></dsd-footnote-group></div></div></div></div></div></div></div></div></div></div></div></main><footer class="msm-experiencefragment experiencefragment"><div 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		\ No newline at end of file

added tests/fixtures/mortgage/eq-bank.html +1 −0

		`@@ -0,0 +1 @@`
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\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"list-item\"},{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"The interest rate for adjustable rate mortgages is compounded monthly, not in advance, and charged monthly. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"list-item\"},{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"The interest rate for fixed rate mortgages is compounded twice per year, not in advance, and charged at the same frequency as the payment frequency selected. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"list-item\"},{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Standard Mortgage Rates are based on our most favourable rates in Ontario and are for reference only and not guaranteed for any particular application. 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		\ No newline at end of file

added tests/fixtures/mortgage/eq-bank.json +883 −0

		`@@ -0,0 +1,883 @@`
	1	+{
	2	+ "APR-5-Year-Fixed": {
	3	+ "name": "APR-5-Year-Fixed",
	4	+ "rate": 5.673
	5	+ },
	6	+ "APR-1-Year-Fixed": {
	7	+ "name": "APR-1-Year-Fixed",
	8	+ "rate": 6.544,
	9	+ "decimalPlaces": "3"
	10	+ },
	11	+ "Standard-Mortgage-Rate-5-Year-Fixed": {
	12	+ "name": "Standard-Mortgage-Rate-5-Year-Fixed",
	13	+ "rate": 5.14
	14	+ },
	15	+ "Standard-Mortgage-Rate-1-Year-Fixed": {
	16	+ "name": "Standard-Mortgage-Rate-1-Year-Fixed",
	17	+ "rate": 5.04
	18	+ },
	19	+ "GIC-1-Year": {
	20	+ "name": "GIC 1 Year",
	21	+ "rate": 3.4
	22	+ },
	23	+ "GIC-3-Month": {
	24	+ "name": "GIC 3 Month",
	25	+ "rate": 2.4
	26	+ },
	27	+ "GIC-15-Month": {
	28	+ "name": "GIC 15 Month",
	29	+ "rate": 3.45
	30	+ },
	31	+ "GIC-3-Year-Registered": {
	32	+ "name": "GIC 3 Year",
	33	+ "rate": 3.8
	34	+ },
	35	+ "GIC-4-Year": {
	36	+ "name": "GIC 4 Year",
	37	+ "rate": 3.9
	38	+ },
	39	+ "GIC-3-Month-Registered": {
	40	+ "name": "GIC 3 Month",
	41	+ "rate": 2.4
	42	+ },
	43	+ "GIC-4-Year-Registered": {
	44	+ "name": "GIC 4 Year",
	45	+ "rate": 3.9
	46	+ },
	47	+ "GIC-9-Month": {
	48	+ "name": "GIC 9 Month",
	49	+ "rate": 3.1
	50	+ },
	51	+ "GIC-1-Year-Registered": {
	52	+ "name": "GIC 1 Year",
	53	+ "rate": 3.4
	54	+ },
	55	+ "GIC-15-Month-Registered": {
	56	+ "name": "GIC 15 Month",
	57	+ "rate": 3.45
	58	+ },
	59	+ "GIC-3-Year": {
	60	+ "name": "GIC 3 Year",
	61	+ "rate": 3.8
	62	+ },
	63	+ "GIC-2-Year-Registered": {
	64	+ "name": "GIC 2 Year",
	65	+ "rate": 3.65
	66	+ },
	67	+ "GIC-2-Year": {
	68	+ "name": "GIC 2 Year",
	69	+ "rate": 3.65
	70	+ },
	71	+ "GIC-9-Month-Registered": {
	72	+ "name": "GIC 9 Month",
	73	+ "rate": 3.1
	74	+ },
	75	+ "Annual-Percentage-Rate-(APR)-5-Year-Adjustable": {
	76	+ "name": "Annual-Percentage-Rate-(APR)-5-Year-Adjustable",
	77	+ "rate": 3.551,
	78	+ "decimalPlaces": "3"
	79	+ },
	80	+ "Annual-Percentage-Rate-(APR)-5-Year-Fixed": {
	81	+ "name": "Annual-Percentage-Rate-(APR)-5-Year-Fixed",
	82	+ "rate": 4.546
	83	+ },
	84	+ "EQB-Evolution-Suite-5-Year-Adjustable": {
	85	+ "name": "EQB-Evolution-Suite-5-Year-Adjustable",
	86	+ "rate": 0.95
	87	+ },
	88	+ "es-fixed-60-month": {
	89	+ "name": "esFixed60Month",
	90	+ "rate": 4.54
	91	+ },
	92	+ "USD-SBB-Account": {
	93	+ "name": "Business US Dollar Account ",
	94	+ "rate": 2.5
	95	+ },
	96	+ "Annual-Percentage-Rate-(APR)-3-Year-Fixed": {
	97	+ "name": "Annual-Percentage-Rate-(APR)-3-Year-Fixed",
	98	+ "rate": 4.379
	99	+ },
	100	+ "es-fixed-36-month": {
	101	+ "name": "esFixed36Month",
	102	+ "rate": 4.34
	103	+ },
	104	+ "Annual-Percentage-Rate-(APR)-1-Year-Fixed": {
	105	+ "name": "Annual-Percentage-Rate-(APR)-1-Year-Fixed",
	106	+ "rate": 6.41,
	107	+ "decimalPlaces": "3"
	108	+ },
	109	+ "Reverse-Mortgage-Flex-Rates-Reset-5-Year-Fixed-APR": {
	110	+ "name": "Reverse-Mortgage-Flex-Rates-Reset-5-Year-Fixed-APR",
	111	+ "rate": 6.28,
	112	+ "decimalPlaces": "3"
	113	+ },
	114	+ "Reverse-Mortgage-Flex-Rates-Reset-2-Year-Fixed-APR": {
	115	+ "name": "Reverse-Mortgage-Flex-Rates-Reset-2-Year-Fixed-APR",
	116	+ "rate": 6.69,
	117	+ "decimalPlaces": "3"
	118	+ },
	119	+ "Reverse-Mortgage-Flex-Rates-Reset-6-Month-Fixed-APR": {
	120	+ "name": "Reverse-Mortgage-Flex-Rates-Reset-6-Month-Fixed-APR ",
	121	+ "rate": 6.98,
	122	+ "decimalPlaces": "3"
	123	+ },
	124	+ "Reverse-Mortgage-Flex-Rates-Reset-5-Year-Adjustable-APR": {
	125	+ "name": "Reverse-Mortgage-Flex-Rates-Reset-5-Year-Adjustable-APR",
	126	+ "rate": 6.79,
	127	+ "decimalPlaces": "3"
	128	+ },
	129	+ "Reverse-Mortgage-Flex-Rates-Reset-3-Year-Fixed-APR": {
	130	+ "name": "Reverse-Mortgage-Flex-Rates-Reset-3-Year-Fixed-APR",
	131	+ "rate": 6.58,
	132	+ "decimalPlaces": "3"
	133	+ },
	134	+ "Reverse-Mortgage-Flex-Rates-Reset-1-Year-Fixed-APR": {
	135	+ "name": "Reverse-Mortgage-Flex-Rates-Reset-1-Year-Fixed-APR",
	136	+ "rate": 6.89,
	137	+ "decimalPlaces": "3"
	138	+ },
	139	+ "Reverse-Mortgage-Flex-PLUS-Rate-5-Year-Adjustable-APR": {
	140	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-5-Year-Adjustable-APR",
	141	+ "rate": 7.775
	142	+ },
	143	+ "Reverse-Mortgage-Flex-PLUS-Rate-5-Year-Adjustable": {
	144	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-5-Year-Adjustable",
	145	+ "rate": 3.18
	146	+ },
	147	+ "Reverse-Mortgage-Flex-PLUS-Rate-5-Year-Fixed-APR": {
	148	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-5-Year-Fixed-APR",
	149	+ "rate": 7.465
	150	+ },
	151	+ "Reverse-Mortgage-Flex-PLUS-Rate-5-Year-Fixed": {
	152	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-5-Year-Fixed",
	153	+ "rate": 7.43
	154	+ },
	155	+ "Reverse-Mortgage-Flex-PLUS-Rate-3-Year-Fixed-APR": {
	156	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-3-Year-Fixed-APR",
	157	+ "rate": 7.984
	158	+ },
	159	+ "Reverse-Mortgage-Flex-PLUS-Rate-3-Year-Fixed": {
	160	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-3-Year-Fixed",
	161	+ "rate": 7.83
	162	+ },
	163	+ "Reverse-Mortgage-Flex-Rates-Origination-5-Year-Adjustable-APR": {
	164	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-5-Year-Adjustable-APR",
	165	+ "rate": 6.943
	166	+ },
	167	+ "Reverse-Mortgage-Flex-Rates-Origination-5-Year-Fixed-APR": {
	168	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-5-Year-Fixed-APR",
	169	+ "rate": 6.357
	170	+ },
	171	+ "Reverse-Mortgage-Flex-Rates-Origination-3-Year-Fixed-APR": {
	172	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-3-Year-Fixed-APR",
	173	+ "rate": 6.782
	174	+ },
	175	+ "Reverse-Mortgage-Flex-Rates-Origination-5-Year-Adjustable": {
	176	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-5-Year-Adjustable",
	177	+ "rate": 2.34
	178	+ },
	179	+ "Reverse-Mortgage-Flex-Rates-Origination-5-Year-Fixed": {
	180	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-5-Year-Fixed",
	181	+ "rate": 6.28
	182	+ },
	183	+ "Reverse-Mortgage-Flex-Rates-Origination-3-Year-Fixed": {
	184	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-3-Year-Fixed",
	185	+ "rate": 6.58
	186	+ },
	187	+ "Reverse-Mortgage-Flex-Lite-Rate-5-Year-Adjustable-APR": {
	188	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-5-Year-Adjustable-APR",
	189	+ "rate": 6.903
	190	+ },
	191	+ "Reverse-Mortgage-Flex-Lite-Rate-5-Year-Fixed-APR": {
	192	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-5-Year-Fixed-APR",
	193	+ "rate": 6.309
	194	+ },
	195	+ "Reverse-Mortgage-Flex-Lite-Rate-3-Year-Fixed-APR": {
	196	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-3-Year-Fixed-APR",
	197	+ "rate": 6.753
	198	+ },
	199	+ "Reverse-Mortgage-Flex-Lite-Rate-5-Year-Adjustable": {
	200	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-5-Year-Adjustable",
	201	+ "rate": 2.3
	202	+ },
	203	+ "Reverse-Mortgage-Flex-Lite-Rate-5-Year-Fixed": {
	204	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-5-Year-Fixed",
	205	+ "rate": 6.23
	206	+ },
	207	+ "Reverse-Mortgage-Flex-Lite-Rate-3-Year-Fixed": {
	208	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-3-Year-Fixed",
	209	+ "rate": 6.55
	210	+ },
	211	+ "gic-1-year-non-registered": {
	212	+ "name": "GIC 1 Year",
	213	+ "rate": 3.3
	214	+ },
	215	+ "equitable-prime-rate": {
	216	+ "name": "Equitable-Prime-Rate",
	217	+ "rate": 4.45
	218	+ },
	219	+ "es-fixed-48-month": {
	220	+ "name": "esFixed48Month",
	221	+ "rate": 4.64
	222	+ },
	223	+ "es-fixed-24-month": {
	224	+ "name": "esFixed24Month",
	225	+ "rate": 5.39
	226	+ },
	227	+ "es-fixed-12-month": {
	228	+ "name": "esFixed12Month",
	229	+ "rate": 6.29
	230	+ },
	231	+ "corporate-series-f-usd": {
	232	+ "name": "corporate-series-f-usd",
	233	+ "rate": 3
	234	+ },
	235	+ "corporate-series-a-usd": {
	236	+ "name": "corporate-series-a-usd",
	237	+ "rate": 2.9
	238	+ },
	239	+ "personal-series-f-usd": {
	240	+ "name": "personal-series-f-usd",
	241	+ "rate": 3.05
	242	+ },
	243	+ "personal-series-a-usd": {
	244	+ "name": "personal-series-a-usd",
	245	+ "rate": 2.9
	246	+ },
	247	+ "corporate-series-f": {
	248	+ "name": "corporate-series-f",
	249	+ "rate": 1.9
	250	+ },
	251	+ "corporate-series-a": {
	252	+ "name": "corporate-series-a",
	253	+ "rate": 1.8
	254	+ },
	255	+ "personal-series-f": {
	256	+ "name": "personal-series-f",
	257	+ "rate": 2.05
	258	+ },
	259	+ "personal-series-a": {
	260	+ "name": "personal-series-a",
	261	+ "rate": 1.9
	262	+ },
	263	+ "hisa-usd-eqb": {
	264	+ "name": "hisa-usd-eqb",
	265	+ "rate": 2.9
	266	+ },
	267	+ "hisa-cad-eqb": {
	268	+ "name": "hisa-cad-eqb",
	269	+ "rate": 1.9
	270	+ },
	271	+ "mortgage-rate-variable-5-year-apr": {
	272	+ "name": "Variable APR Mortgage Rate",
	273	+ "rate": 4.05
	274	+ },
	275	+ "mortgage-rate-variable-5-year": {
	276	+ "name": "Variable Mortgage Rate",
	277	+ "rate": 4
	278	+ },
	279	+ "mortgage-rate-fixed-5-year-apr": {
	280	+ "name": "Fixed APR Mortgage Rate",
	281	+ "rate": 4.06
	282	+ },
	283	+ "mortgage-rate-fixed-5-year": {
	284	+ "name": "Fixed Mortgage Rate",
	285	+ "rate": 4.04
	286	+ },
	287	+ "RRSP-Cash-Savings-Account": {
	288	+ "name": "RRSP Cash Savings Account",
	289	+ "rate": 1.5
	290	+ },
	291	+ "US-Dollar-Account": {
	292	+ "name": "US Dollar Account",
	293	+ "rate": 2.5
	294	+ },
	295	+ "SBB-cash-back": {
	296	+ "name": "SBB-cash-back",
	297	+ "rate": 1
	298	+ },
	299	+ "APR-2-Year-Fixed": {
	300	+ "name": "APR-2-Year-Fixed",
	301	+ "rate": 5.951
	302	+ },
	303	+ "Standard-Mortgage-Rate-2-Year-Fixed": {
	304	+ "name": "Standard-Mortgage-Rate-2-Year-Fixed",
	305	+ "rate": 5.14
	306	+ },
	307	+ "EQB-Evolution-Suite-6-Month-Fixed": {
	308	+ "name": "EQB-Evolution-Suite-6-month-Fixed",
	309	+ "rate": 7.54
	310	+ },
	311	+ "Reverse-Mortgage-Flex-Lite-Rate-2-Year-Fixed-APR": {
	312	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-2-Year-Fixed-APR",
	313	+ "rate": 6.792
	314	+ },
	315	+ "Reverse-Mortgage-Flex-Lite-Rate-1-Year-Fixed-APR": {
	316	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-1-Year-Fixed-APR",
	317	+ "rate": 7.512
	318	+ },
	319	+ "Reverse-Mortgage-Flex-Lite-Rate-6-Month-Fixed-APR": {
	320	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-6-Month-Fixed-APR",
	321	+ "rate": 8.569
	322	+ },
	323	+ "Reverse-Mortgage-Flex-Lite-Rate-2-Year-Fixed": {
	324	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-2-Year-Fixed",
	325	+ "rate": 6.49
	326	+ },
	327	+ "Reverse-Mortgage-Flex-Lite-Rate-1-Year-Fixed": {
	328	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-1-Year-Fixed",
	329	+ "rate": 6.79
	330	+ },
	331	+ "Reverse-Mortgage-Flex-Lite-Rate-6-Month-Fixed": {
	332	+ "name": "Reverse-Mortgage-Flex-Lite-Rate-6-Month-Fixed",
	333	+ "rate": 6.88
	334	+ },
	335	+ "Reverse-Mortgage-Flex-PLUS-Rate-2-Year-Fixed-APR": {
	336	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-2-Year-Fixed-APR",
	337	+ "rate": 8.186
	338	+ },
	339	+ "Reverse-Mortgage-Flex-PLUS-Rate-1-Year-Fixed-APR": {
	340	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-1-Year-Fixed-APR",
	341	+ "rate": 8.808
	342	+ },
	343	+ "Reverse-Mortgage-Flex-PLUS-Rate-6-Month-Fixed-APR": {
	344	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-6-Month-Fixed-APR",
	345	+ "rate": 9.634
	346	+ },
	347	+ "Reverse-Mortgage-Flex-PLUS-Rate-2-Year-Fixed": {
	348	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-2-Year-Fixed",
	349	+ "rate": 7.94
	350	+ },
	351	+ "Reverse-Mortgage-Flex-PLUS-Rate-1-Year-Fixed": {
	352	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-1-Year-Fixed",
	353	+ "rate": 8.14
	354	+ },
	355	+ "Reverse-Mortgage-Flex-PLUS-Rate-6-Month-Fixed": {
	356	+ "name": "Reverse-Mortgage-Flex-PLUS-Rate-6-Month-Fixed",
	357	+ "rate": 7.98
	358	+ },
	359	+ "Reverse-Mortgage-Flex-Rates-Origination-2-Year-Fixed-APR": {
	360	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-2-Year-Fixed-APR",
	361	+ "rate": 6.985
	362	+ },
	363	+ "Reverse-Mortgage-Flex-Rates-Origination-1-Year-Fixed-APR": {
	364	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-1-Year-Fixed-APR",
	365	+ "rate": 7.608
	366	+ },
	367	+ "Reverse-Mortgage-Flex-Rates-Origination-2-Year-Fixed": {
	368	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-2-Year-Fixed",
	369	+ "rate": 6.69
	370	+ },
	371	+ "Reverse-Mortgage-Flex-Rates-Origination-1-Year-Fixed": {
	372	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-1-Year-Fixed",
	373	+ "rate": 6.89
	374	+ },
	375	+ "Reverse-Mortgage-Flex-Rates-Origination-6-Month-Fixed-APR": {
	376	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-6-Month-Fixed-APR",
	377	+ "rate": 8.666
	378	+ },
	379	+ "Reverse-Mortgage-Flex-Rates-Origination-6-Month-Fixed": {
	380	+ "name": "Reverse-Mortgage-Flex-Rates-Origination-6-Month-Fixed",
	381	+ "rate": 6.98
	382	+ },
	383	+ "Annual-Percentage-Rate-(APR)-4-Year-Fixed": {
	384	+ "name": "Annual-Percentage-Rate-(APR)-4-Year-Fixed",
	385	+ "rate": 4.648
	386	+ },
	387	+ "Annual-Percentage-Rate-(APR)-2-Year-Fixed": {
	388	+ "name": "Annual-Percentage-Rate-(APR)-2-Year-Fixed",
	389	+ "rate": 5.432
	390	+ },
	391	+ "APR-5-Year-Adjustable": {
	392	+ "name": "APR-5-Year-Adjustable",
	393	+ "rate": 4.999
	394	+ },
	395	+ "APR-4-Year-Fixed": {
	396	+ "name": "APR-4-Year-Fixed",
	397	+ "rate": 6.416
	398	+ },
	399	+ "APR-3-Year-Fixed": {
	400	+ "name": "APR-3-Year-Fixed",
	401	+ "rate": 5.847
	402	+ },
	403	+ "Standard-Mortgage-Rate-5-Year-Adjustable": {
	404	+ "name": "Standard-Mortgage-Rate-5-Year-Adjustable",
	405	+ "rate": 0.04
	406	+ },
	407	+ "Standard-Mortgage-Rate-4-Year-Fixed": {
	408	+ "name": "Standard-Mortgage-Rate-4-Year-Fixed",
	409	+ "rate": 6.19
	410	+ },
	411	+ "Standard-Mortgage-Rate-3-Year-Fixed": {
	412	+ "name": "Standard-Mortgage-Rate-3-Year-Fixed",
	413	+ "rate": 5.24
	414	+ },
	415	+ "GIC-10-Year-Registered": {
	416	+ "name": "GIC 10 Year",
	417	+ "rate": 2.35
	418	+ },
	419	+ "GIC-7-Year-Registered": {
	420	+ "name": "GIC 7 Year",
	421	+ "rate": 2.35
	422	+ },
	423	+ "GIC-5-Year-Registered": {
	424	+ "name": "GIC 5 Year",
	425	+ "rate": 4
	426	+ },
	427	+ "GIC-27-Month-Registered": {
	428	+ "name": "GIC 27 Month",
	429	+ "rate": 3.7
	430	+ },
	431	+ "GIC-6-Month-Registered": {
	432	+ "name": "GIC 6 Month",
	433	+ "rate": 2.75
	434	+ },
	435	+ "Business-account": {
	436	+ "name": "sbb",
	437	+ "rate": 2.25
	438	+ },
	439	+ "Joint-Account-Base-Rate": {
	440	+ "name": "Joint Account Base Rate ",
	441	+ "rate": 1
	442	+ },
	443	+ "GIC-6-Year-Registered": {
	444	+ "name": "GIC 6 Year",
	445	+ "rate": 2.35
	446	+ },
	447	+ "Personal-Account-Base-Rate": {
	448	+ "name": "Personal Account Base Rate ",
	449	+ "rate": 1
	450	+ },
	451	+ "30 Day-Notice-Savings-Account": {
	452	+ "name": "30 Day Notice Savings Account",
	453	+ "rate": 2.75
	454	+ },
	455	+ "GIC-6-Month": {
	456	+ "name": "GIC 6 Month",
	457	+ "rate": 2.75
	458	+ },
	459	+ "GIC-27-Month": {
	460	+ "name": "GIC 27 Month",
	461	+ "rate": 3.7
	462	+ },
	463	+ "GIC-7-Year": {
	464	+ "name": "GIC 7 Year",
	465	+ "rate": 2.35
	466	+ },
	467	+ "GIC-5-Year": {
	468	+ "name": "GIC 5 Year",
	469	+ "rate": 4
	470	+ },
	471	+ "GIC-6-Year": {
	472	+ "name": "GIC 6 Year",
	473	+ "rate": 2.35
	474	+ },
	475	+ "GIC-10-Year": {
	476	+ "name": "GIC 10 Year",
	477	+ "rate": 2.35
	478	+ },
	479	+ "10 Day-Notice-Savings-Account": {
	480	+ "name": "10 Day Notice Savings Account",
	481	+ "rate": 2.35
	482	+ },
	483	+ "Joint-Account-Payroll-Account": {
	484	+ "name": "Joint Account Payroll Account",
	485	+ "rate": 2.75
	486	+ },
	487	+ "Personal-Account-Payroll-Rate": {
	488	+ "name": "Personal Account Payroll Rate",
	489	+ "rate": 2.75
	490	+ },
	491	+ "Personal-Account-bonus-interest-rate": {
	492	+ "name": "Personal Account bonus interest rate",
	493	+ "rate": 1.75
	494	+ },
	495	+ "Joint-Account-bonus-interest-rate": {
	496	+ "name": "Joint Account bonus interest rate",
	497	+ "rate": 1.75
	498	+ },
	499	+ "TFSA-Cash-Savings-Account": {
	500	+ "name": "TFSA Cash Savings Account",
	501	+ "rate": 1.5
	502	+ },
	503	+ "FHSA-cash-savings-account": {
	504	+ "name": "FHSA Cash Savings Account",
	505	+ "rate": 1.5
	506	+ },
	507	+ "cannex-annual-1-yr": {
	508	+ "name": "cannex-annual-1-yr",
	509	+ "rate": 3.01
	510	+ },
	511	+ "cannex-annual-2-yr": {
	512	+ "name": "cannex-annual-2-yr",
	513	+ "rate": 3.69
	514	+ },
	515	+ "cannex-annual-3-yr": {
	516	+ "name": "cannex-annual-3-yr",
	517	+ "rate": 3.96
	518	+ },
	519	+ "cannex-annual-4-yr": {
	520	+ "name": "cannex-annual-4-yr",
	521	+ "rate": 4.04
	522	+ },
	523	+ "cannex-annual-5-yr": {
	524	+ "name": "cannex-annual-5-yr",
	525	+ "rate": 4.16
	526	+ },
	527	+ "cannex-annual-6-yr": {
	528	+ "name": "cannex-annual-6-yr",
	529	+ "rate": 2.25
	530	+ },
	531	+ "cannex-annual-7-yr": {
	532	+ "name": "cannex-annual-7-yr",
	533	+ "rate": 2.25
	534	+ },
	535	+ "cannex-annual-8-yr": {
	536	+ "name": "cannex-annual-8-yr",
	537	+ "rate": 2.25
	538	+ },
	539	+ "cannex-annual-9-yr": {
	540	+ "name": "cannex-annual-9-yr",
	541	+ "rate": 2.25
	542	+ },
	543	+ "cannex-annual-10-yr": {
	544	+ "name": "cannex-annual-10-yr",
	545	+ "rate": 2.25
	546	+ },
	547	+ "cannex-semi-annual-1-yr": {
	548	+ "name": "cannex-semi-annual-1-yr",
	549	+ "rate": 2.97
	550	+ },
	551	+ "cannex-semi-annual-2-yr": {
	552	+ "name": "cannex-semi-annual-2-yr",
	553	+ "rate": 3.65
	554	+ },
	555	+ "cannex-semi-annual-3-yr": {
	556	+ "name": "cannex-semi-annual-3-yr",
	557	+ "rate": 3.92
	558	+ },
	559	+ "cannex-semi-annual-4-yr": {
	560	+ "name": "cannex-semi-annual-4-yr",
	561	+ "rate": 4
	562	+ },
	563	+ "cannex-semi-annual-5-yr": {
	564	+ "name": "cannex-semi-annual-5-yr",
	565	+ "rate": 4.12
	566	+ },
	567	+ "cannex-semi-annual-6-yr": {
	568	+ "name": "cannex-semi-annual-6-yr",
	569	+ "rate": 2.21
	570	+ },
	571	+ "cannex-semi-annual-7-yr": {
	572	+ "name": "cannex-semi-annual-7-yr",
	573	+ "rate": 2.21
	574	+ },
	575	+ "cannex-semi-annual-8-yr": {
	576	+ "name": "cannex-semi-annual-8-yr",
	577	+ "rate": 2.21
	578	+ },
	579	+ "cannex-semi-annual-9-yr": {
	580	+ "name": "cannex-semi-annual-9-yr",
	581	+ "rate": 2.21
	582	+ },
	583	+ "cannex-semi-annual-10-yr": {
	584	+ "name": "cannex-semi-annual-10-yr",
	585	+ "rate": 2.21
	586	+ },
	587	+ "cannex-quarterly-1-yr": {
	588	+ "name": "cannex-quarterly-1-yr",
	589	+ "rate": 2.94
	590	+ },
	591	+ "cannex-quarterly-2-yr": {
	592	+ "name": "cannex-quarterly-2-yr",
	593	+ "rate": 3.62
	594	+ },
	595	+ "cannex-quarterly-3-yr": {
	596	+ "name": "cannex-quarterly-3-yr",
	597	+ "rate": 3.89
	598	+ },
	599	+ "cannex-quarterly-4-yr": {
	600	+ "name": "cannex-quarterly-4-yr",
	601	+ "rate": 3.97
	602	+ },
	603	+ "cannex-quarterly-5-yr": {
	604	+ "name": "cannex-quarterly-5-yr",
	605	+ "rate": 4.09
	606	+ },
	607	+ "cannex-quarterly-6-yr": {
	608	+ "name": "cannex-quarterly-6-yr",
	609	+ "rate": 2.18
	610	+ },
	611	+ "cannex-quarterly-7-yr": {
	612	+ "name": "cannex-quarterly-7-yr",
	613	+ "rate": 2.18
	614	+ },
	615	+ "cannex-quarterly-8-yr": {
	616	+ "name": "cannex-quarterly-8-yr",
	617	+ "rate": 2.18
	618	+ },
	619	+ "cannex-quarterly-9-yr": {
	620	+ "name": "cannex-quarterly-9-yr",
	621	+ "rate": 2.18
	622	+ },
	623	+ "cannex-quarterly-10-yr": {
	624	+ "name": "cannex-quarterly-10-yr",
	625	+ "rate": 2.18
	626	+ },
	627	+ "cannex-monthly-1-yr": {
	628	+ "name": "cannex-monthly-1-yr",
	629	+ "rate": 2.92
	630	+ },
	631	+ "cannex-monthly-2-yr": {
	632	+ "name": "cannex-monthly-2-yr",
	633	+ "rate": 3.6
	634	+ },
	635	+ "cannex-monthly-3-yr": {
	636	+ "name": "cannex-monthly-3-yr",
	637	+ "rate": 3.87
	638	+ },
	639	+ "cannex-monthly-4-yr": {
	640	+ "name": "cannex-monthly-4-yr",
	641	+ "rate": 3.95
	642	+ },
	643	+ "cannex-monthly-5-yr": {
	644	+ "name": "cannex-monthly-5-yr",
	645	+ "rate": 4.07
	646	+ },
	647	+ "cannex-monthly-6-yr": {
	648	+ "name": "cannex-monthly-6-yr",
	649	+ "rate": 2.16
	650	+ },
	651	+ "cannex-monthly-7-yr": {
	652	+ "name": "cannex-monthly-7-yr",
	653	+ "rate": 2.16
	654	+ },
	655	+ "cannex-monthly-8-yr": {
	656	+ "name": "cannex-monthly-8-yr",
	657	+ "rate": 2.16
	658	+ },
	659	+ "cannex-monthly-9-yr": {
	660	+ "name": "cannex-monthly-9-yr",
	661	+ "rate": 2.16
	662	+ },
	663	+ "cannex-monthly-10-yr": {
	664	+ "name": "cannex-monthly-10-yr",
	665	+ "rate": 2.16
	666	+ },
	667	+ "cannex-cacheable": {
	668	+ "name": "cannex-cacheable",
	669	+ "rate": 1.5
	670	+ },
	671	+ "cannex-ustd-annual-1-yr": {
	672	+ "name": "cannex-ustd-annual-1-yr",
	673	+ "rate": 4.1
	674	+ },
	675	+ "cannex-ustd-annual-2-yr": {
	676	+ "name": "cannex-ustd-annual-2-yr",
	677	+ "rate": 3.95
	678	+ },
	679	+ "cannex-ustd-annual-3-yr": {
	680	+ "name": "cannex-ustd-annual-3-yr",
	681	+ "rate": 3.95
	682	+ },
	683	+ "cannex-ustd-annual-4-yr": {
	684	+ "name": "cannex-ustd-annual-4-yr",
	685	+ "rate": 4
	686	+ },
	687	+ "cannex-ustd-annual-5-yr": {
	688	+ "name": "cannex-ustd-annual-5-yr",
	689	+ "rate": 4.05
	690	+ },
	691	+ "cannex-ustd-annual-6-yr": {
	692	+ "name": "cannex-ustd-annual-6-yr",
	693	+ "rate": 2.5
	694	+ },
	695	+ "cannex-ustd-annual-7-yr": {
	696	+ "name": "cannex-ustd-annual-7-yr",
	697	+ "rate": 2.5
	698	+ },
	699	+ "cannex-ustd-annual-8-yr": {
	700	+ "name": "cannex-ustd-annual-8-yr",
	701	+ "rate": 2.5
	702	+ },
	703	+ "cannex-ustd-annual-9-yr": {
	704	+ "name": "cannex-ustd-annual-9-yr",
	705	+ "rate": 2.5
	706	+ },
	707	+ "cannex-ustd-annual-10-yr": {
	708	+ "name": "cannex-ustd-annual-10-yr",
	709	+ "rate": 2.5
	710	+ },
	711	+ "cannex-ustd-semi-annual-1-yr": {
	712	+ "name": "cannex-ustd-semi-annual-1-yr",
	713	+ "rate": 4.06
	714	+ },
	715	+ "cannex-ustd-semi-annual-2-yr": {
	716	+ "name": "cannex-ustd-semi-annual-2-yr",
	717	+ "rate": 3.91
	718	+ },
	719	+ "cannex-ustd-semi-annual-3-yr": {
	720	+ "name": "cannex-ustd-semi-annual-3-yr",
	721	+ "rate": 3.91
	722	+ },
	723	+ "cannex-ustd-semi-annual-4-yr": {
	724	+ "name": "cannex-ustd-semi-annual-4-yr",
	725	+ "rate": 3.96
	726	+ },
	727	+ "cannex-ustd-semi-annual-5-yr": {
	728	+ "name": "cannex-ustd-semi-annual-5-yr",
	729	+ "rate": 4.01
	730	+ },
	731	+ "cannex-ustd-semi-annual-6-yr": {
	732	+ "name": "cannex-ustd-semi-annual-6-yr",
	733	+ "rate": 2.46
	734	+ },
	735	+ "cannex-ustd-semi-annual-7-yr": {
	736	+ "name": "cannex-ustd-semi-annual-7-yr",
	737	+ "rate": 2.46
	738	+ },
	739	+ "cannex-ustd-semi-annual-8-yr": {
	740	+ "name": "cannex-ustd-semi-annual-8-yr",
	741	+ "rate": 2.46
	742	+ },
	743	+ "cannex-ustd-semi-annual-9-yr": {
	744	+ "name": "cannex-ustd-semi-annual-9-yr",
	745	+ "rate": 2.46
	746	+ },
	747	+ "cannex-ustd-semi-annual-10-yr": {
	748	+ "name": "cannex-ustd-semi-annual-10-yr",
	749	+ "rate": 2.46
	750	+ },
	751	+ "cannex-ustd-quarterly-1-yr": {
	752	+ "name": "cannex-ustd-quarterly-1-yr",
	753	+ "rate": 4.03
	754	+ },
	755	+ "cannex-ustd-quarterly-2-yr": {
	756	+ "name": "cannex-ustd-quarterly-2-yr",
	757	+ "rate": 3.88
	758	+ },
	759	+ "cannex-ustd-quarterly-3-yr": {
	760	+ "name": "cannex-ustd-quarterly-3-yr",
	761	+ "rate": 3.88
	762	+ },
	763	+ "cannex-ustd-quarterly-4-yr": {
	764	+ "name": "cannex-ustd-quarterly-4-yr",
	765	+ "rate": 3.93
	766	+ },
	767	+ "cannex-ustd-quarterly-5-yr": {
	768	+ "name": "cannex-ustd-quarterly-5-yr",
	769	+ "rate": 3.98
	770	+ },
	771	+ "cannex-ustd-quarterly-6-yr": {
	772	+ "name": "cannex-ustd-quarterly-6-yr",
	773	+ "rate": 2.43
	774	+ },
	775	+ "cannex-ustd-quarterly-7-yr": {
	776	+ "name": "cannex-ustd-quarterly-7-yr",
	777	+ "rate": 2.43
	778	+ },
	779	+ "cannex-ustd-quarterly-8-yr": {
	780	+ "name": "cannex-ustd-quarterly-8-yr",
	781	+ "rate": 2.43
	782	+ },
	783	+ "cannex-ustd-quarterly-9-yr": {
	784	+ "name": "cannex-ustd-quarterly-9-yr",
	785	+ "rate": 2.43
	786	+ },
	787	+ "cannex-ustd-quarterly-10-yr": {
	788	+ "name": "cannex-ustd-quarterly-10-yr",
	789	+ "rate": 2.43
	790	+ },
	791	+ "cannex-ustd-monthly-1-yr": {
	792	+ "name": "cannex-ustd-monthly-1-yr",
	793	+ "rate": 4.01
	794	+ },
	795	+ "cannex-ustd-monthly-2-yr": {
	796	+ "name": "cannex-ustd-monthly-2-yr",
	797	+ "rate": 3.86
	798	+ },
	799	+ "cannex-ustd-monthly-3-yr": {
	800	+ "name": "cannex-ustd-monthly-3-yr",
	801	+ "rate": 3.86
	802	+ },
	803	+ "cannex-ustd-monthly-4-yr": {
	804	+ "name": "cannex-ustd-monthly-4-yr",
	805	+ "rate": 3.91
	806	+ },
	807	+ "cannex-ustd-monthly-5-yr": {
	808	+ "name": "cannex-ustd-monthly-5-yr",
	809	+ "rate": 3.96
	810	+ },
	811	+ "cannex-ustd-monthly-6-yr": {
	812	+ "name": "cannex-ustd-monthly-6-yr",
	813	+ "rate": 2.41
	814	+ },
	815	+ "cannex-ustd-monthly-7-yr": {
	816	+ "name": "cannex-ustd-monthly-7-yr",
	817	+ "rate": 2.41
	818	+ },
	819	+ "cannex-ustd-monthly-8-yr": {
	820	+ "name": "cannex-ustd-monthly-8-yr",
	821	+ "rate": 2.41
	822	+ },
	823	+ "cannex-ustd-monthly-9-yr": {
	824	+ "name": "cannex-ustd-monthly-9-yr",
	825	+ "rate": 2.41
	826	+ },
	827	+ "cannex-ustd-monthly-10-yr": {
	828	+ "name": "cannex-ustd-monthly-10-yr",
	829	+ "rate": 2.41
	830	+ },
	831	+ "cannex-ustd-cacheable": {
	832	+ "name": "cannex-ustd-cacheable",
	833	+ "rate": 1.75
	834	+ },
	835	+ "cannex-short-term-30-days": {
	836	+ "name": "cannex-short-term-30-days",
	837	+ "rate": 0.2
	838	+ },
	839	+ "cannex-short-term-60-days": {
	840	+ "name": "cannex-short-term-60-days",
	841	+ "rate": 0.8
	842	+ },
	843	+ "cannex-short-term-90-days": {
	844	+ "name": "cannex-short-term-90-days",
	845	+ "rate": 2.15
	846	+ },
	847	+ "cannex-short-term-120-days": {
	848	+ "name": "cannex-short-term-120-days",
	849	+ "rate": 2.2
	850	+ },
	851	+ "cannex-short-term-180-days": {
	852	+ "name": "cannex-short-term-180-days",
	853	+ "rate": 2.7
	854	+ },
	855	+ "cannex-short-term-270-days": {
	856	+ "name": "cannex-short-term-270-days",
	857	+ "rate": 2.8
	858	+ },
	859	+ "cannex-ustd-short-term-30-days": {
	860	+ "name": "cannex-ustd-short-term-30-days",
	861	+ "rate": 0.05
	862	+ },
	863	+ "cannex-ustd-short-term-60-days": {
	864	+ "name": "cannex-ustd-short-term-60-days",
	865	+ "rate": 1
	866	+ },
	867	+ "cannex-ustd-short-term-90-days": {
	868	+ "name": "cannex-ustd-short-term-90-days",
	869	+ "rate": 2.95
	870	+ },
	871	+ "cannex-ustd-short-term-120-days": {
	872	+ "name": "cannex-ustd-short-term-120-days",
	873	+ "rate": 3
	874	+ },
	875	+ "cannex-ustd-short-term-180-days": {
	876	+ "name": "cannex-ustd-short-term-180-days",
	877	+ "rate": 3.15
	878	+ },
	879	+ "cannex-ustd-short-term-270-days": {
	880	+ "name": "cannex-ustd-short-term-270-days",
	881	+ "rate": 3.3
	882	+ }
	883	+}
		\ No newline at end of file

added tests/fixtures/mortgage/first-national.html +1654 −0

		`@@ -0,0 +1,1654 @@`
	1	+ <!DOCTYPE html> <html prefix="og: http://ogp.me/ns#" lang="en"> <head> <meta charset="utf-8" /> <meta name="viewport" content="width=device-width, initial-scale=1"> <meta name="format-detection" content="telephone=no"> <title>
	2	+ Mortgage rates - gain insight into costs at each stage of your mortgage
	3	+</title> <!-- Google Tag Manager --> <script>(function(w,d,s,l,i){w[l]=w[l]\|\|[];w[l].push({'gtm.start':
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	18	+ html[lang="fr"] .c-menu-primary__link {
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	21	+}
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	23	+.o-button--link:hover {
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	38	+.l-region--bg-our-business {
	39	+ background: #F4F4F4 url('/images/default-source/brand/about-us-16-9/skyline-green.png') center/cover no-repeat;
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	41	+ /*.nav__primary {
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	44	+ .nav__primary--rmn {
	45	+ display: block;
	46	+ }*/
	47	+}
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	50	+.col-content-block-h-100 > .content-block,
	51	+.col-content-block-h-100 > .content-block > div {
	52	+ height: 100%;
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	54	+
	55	+.col-content-block-h-100-flex > .content-block > div {
	56	+ display: -webkit-box;
	57	+ display: -ms-flexbox;
	58	+ display: flex;
	59	+ -webkit-box-orient: vertical;
	60	+ -webkit-box-direction: normal;
	61	+ -ms-flex-direction: column;
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	64	+.card-video--alt .card-video__play {
	65	+ margin-left: auto;
	66	+}
	67	+.l-region--soft-gray-keyline {
	68	+ border-top: solid 2px $F6BE1B;
	69	+ background-color: #f4f4f4;
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	72	+.l-region--soft-gray-whiteline {
	73	+ border-top: solid 2px #fff;
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	76	+.card-video--alt.card-video--alt-no-caption > a {
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	94	+ .form-horizontal .control-label {
	95	+ text-align: left;
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	97	+}
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	99	+@media screen and (max-width: 767px) {
	100	+ .card-video--alt.card-video--alt-no-caption .card-video__thumbnail {
	101	+ width: 80% !important;
	102	+ margin-bottom: 0;
	103	+ }
	104	+ .card-video--alt.card-video--alt-no-caption .card-video__play {
	105	+ margin-left: 0;
	106	+ }
	107	+}
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	109	+.o-button > button[type="submit"],
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	116	+ width: inherit;
	117	+ height: inherit;
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	123	+.o-button--secondary {
	124	+ background-color: transparent;
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	126	+.o-button--secondary:hover {
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	137	+ background-repeat: no-repeat, repeat;
	138	+ /* arrow icon position (1em from the right, 50% vertical) , then gradient position*/
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	140	+ /* icon size, then gradient */
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	143	+
	144	+/* IE 11 rules */
	145	+@media all and (-ms-high-contrast:none) {
	146	+ *::-ms-backdrop, .img-responsive {
	147	+ width: 100%;
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	149	+ *::-ms-backdrop, .o-button > button[type="submit"],
	150	+ *::-ms-backdrop, .o-button > .btn-primary:active,
	151	+ *::-ms-backdrop, .o-button > .btn-primary:active:focus {
	152	+ background-color: #f6be1b;
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	159	+.l-region--white {
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	162	+
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	164	+ line-height: 1.5em;
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	166	+
	167	+.l-region--soft-green-keyline {
	168	+ background-color: rgba(239, 245, 241);
	169	+}
	170	+
	171	+.media-left {
	172	+ padding-right: 20px;
	173	+}</style><meta name="Generator" content="Sitefinity 15.4.8630.0 DX" /><link rel="canonical" href="https://www.firstnational.ca/residential/mortgage-rates" /><meta name="description" content="First National’s rates for qualified residential mortgages." /></head> <body> <!-- Google Tag Manager (noscript) --> <noscript> <iframe sandbox src="https://www.googletagmanager.com/ns.html?id=GTM-NKTBZWG"
	174	+ height="0" width="0" style="display:none;visibility:hidden"></iframe> </noscript> <!-- End Google Tag Manager (noscript) --> <script src="/ScriptResource.axd?d=6DQe8ARl7A9TiuWej5ttCvuAePl8522bEkBxB9yeiRF0EdTrCZ9vqHPu4WE4TE1hTN6WeE1DyQO1UMqES1b4oOOvWqFN7H1eDCCsy3yrDilFJcaUvQrYvnG2k0iBlxiRg2kX-fUR_52TH7S1-8vf3l8Y7nJFZEE_uXcskpF0HqJzDomH0&t=ffffffff8869f732" type="text/javascript"></script><script src="/ScriptResource.axd?d=74FHISOx3fOPKwLxL0RMYg9_zSeppcSSreCteN8HMxjAEmkb6bfrZPeqVUHco7qzLH31T0uhAiCLkjihq9Xw989fay3HHhXZNmY8pzaX4VZL9dQBGsB9tlVAznc3dzwCC2DO8g2qGLODP30q1sNR4skfLnqRcdqkVDWpY79fqU88W1H00&t=ffffffff8869f732" type="text/javascript"></script> <div class="region__page"> <div class="l-region-notification"> <div class="container">
	175	+
	176	+
	177	+ </div> </div> <header class="l-region-header">
	178	+<div id="Header_T240A2D21018_Col00" class="sf_colsIn container" data-sf-element="Container" data-placeholder-label="Container"><div class="row" data-sf-element="Row">
	179	+ <div id="Header_T240A2D21019_Col00" class="sf_colsIn col-sm-4 col-xs-6" data-sf-element="Column 1" data-placeholder-label="Column 1">
	180	+<div class="content-block" >
	181	+ <div ><a href="/home"><img src="/images/default-source/brand/global/first-national-logo-color1655feae-7538-4ce4-ada0-a924d05951b2.svg?sfvrsn=a8ed488b_2" width="215" alt="First National Financial LP®" title="First National Financial LP®" sf-image-responsive="false" sf-size="8290" class="img-responsive" /></a></div>
	182	+</div>
	183	+
	184	+ </div>
	185	+ <div id="Header_T240A2D21019_Col01" class="sf_colsIn col-sm-8 col-xs-6" data-sf-element="Column 2" data-placeholder-label="Column 2"><div id="Header_T240A2D21037_Col00" class="sf_colsIn nav-utility justify-end" data-sf-element="Region" data-placeholder-label="Region">
	186	+<div class="nav-lang">
	187	+ <ul class="sf-lang-selector list-inline">
	188	+ <li>
	189	+ <a href="#" onclick="openLink('fr'); return false;" class="">
	190	+ <span class="xs-hide sm-hide md-block">français</span>
	191	+ <span class="md-hide" title="français">fr</span>
	192	+ </a>
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	201	+
	202	+
	203	+
	204	+<ul class="list-unstyled nav-utility__item xs-hide">
	205	+
	206	+ <li class=""><a href="/contact-us" target="_self">Contact us</a></li>
	207	+</ul>
	208	+
	209	+
	210	+
	211	+
	212	+
	213	+
	214	+
	215	+<div class="nav-utility__item">
	216	+<button aria-expanded="false" aria-haspopup="true" class="btn-link" data-target="#dropdown_search" data-toggle="dropdown" id="toggleSearch" type="button">
	217	+ <span class="sr-only">Toggle search</span>
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	683	+ Credit Security Plan - Mortgage Life and Disability Insurance
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	1077	+ Committees of the Board
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	1081	+ </ul>
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	1226	+ <li class=""><a href="/about/careers" target="_self">Careers</a></li>
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	1233	+
	1234	+ <div>
	1235	+ <ul class="sf-breadscrumb breadcrumb">
	1236	+ <li><a href="/residential">Residential Mortgages</a></li>
	1237	+ <li class="active">Mortgage rates</li>
	1238	+ </ul>
	1239	+ </div>
	1240	+
	1241	+ </div>
	1242	+</div>
	1243	+
	1244	+</div>
	1245	+ </header> <main class="region__body">
	1246	+<div id="Body_C001_Col00" class="sf_colsIn region__content l-region--soft-gray-gradient gutter-top md-padding-bottom-5 padding-bottom-2" data-sf-element="Region" data-placeholder-label="Region"><div id="Body_C002_Col00" class="sf_colsIn container container-hero" data-sf-element="Container" data-placeholder-label="Container"><div class="row align-center" data-sf-element="Row">
	1247	+ <div id="Body_C003_Col00" class="sf_colsIn col-xs-12 col-md-4 padding-bottom-2 md-padding-bottom-0" data-sf-element="Column 1" data-placeholder-label="Column 1">
	1248	+<div class="content-block" >
	1249	+ <div ><div class="media-figure" style="background:url('/images/default-source/residential/bg-mortgage-rates.jpg?sfvrsn=95c46b8b_2') center/cover no-repeat;"></div></div>
	1250	+</div>
	1251	+
	1252	+ </div>
	1253	+ <div id="Body_C003_Col01" class="sf_colsIn col-xs-12 col-md-7 col-md-offset-1" data-sf-element="Column 2" data-placeholder-label="Column 2">
	1254	+<div class="content-block" >
	1255	+ <div ><h1 class="o-text-h1">Mortgage Rates</h1><h2 class="o-text-h2">Our rates for qualified residential mortgages</h2><p class="o-text-lead color-gray">When you’re buying your dream home, what you pay for your mortgage is a key consideration. But there are other vital priorities as well. Making mortgage decisions based on rate alone doesn’t always deliver value in the long run. At First National,
	1256	+ we want to help you secure a competitive mortgage and provide value along the way — simplified management, ongoing education, accessible expertise – so you can own your dream home and achieve your financial goals.</p></div>
	1257	+</div>
	1258	+
	1259	+ </div>
	1260	+</div>
	1261	+
	1262	+</div>
	1263	+<div id="Body_C004_Col00" class="sf_colsIn container margin-top-3" data-sf-element="Container" data-placeholder-label="Container"><div id="Body_C030_Col00" class="sf_colsIn card card-white card-floating padding-1 md-padding-3" data-sf-element="Region" data-placeholder-label="Region"><div class="row align-top" data-sf-element="Row">
	1264	+ <div id="Body_C005_Col00" class="sf_colsIn col-xs-12 col-md-12 margin-bottom-2" data-sf-element="Column 1" data-placeholder-label="Column 1">
	1265	+
	1266	+
	1267	+<div class="card card-white card-floating padding-1 md-padding-3">
	1268	+ <p>Rates effective as of <strong>Tuesday, August 18, 2026</strong> for qualified residential properties.</p>
	1269	+ <h2 class="color-primary o-text-h1">Posted Rates</h2>
	1270	+ <h3>Fixed rate mortgages – closed terms</h3>
	1271	+ <div class="table-responsive margin-top-2">
	1272	+ <table class="table table-striped table-rwd">
	1273	+ <thead>
	1274	+ <tr>
	1275	+ <th><span class="sr-only">Mortgage type</span></th>
	1276	+ <th>
	1277	+ 1 year
	1278	+ </th>
	1279	+ <th>
	1280	+ 2 year
	1281	+ </th>
	1282	+ <th>
	1283	+ 3 year
	1284	+ </th>
	1285	+ <th>
	1286	+ 4 year
	1287	+ </th>
	1288	+ <th>
	1289	+ 5 year
	1290	+ </th>
	1291	+ <th>
	1292	+ 7 year
	1293	+ </th>
	1294	+ <th>
	1295	+ 10 year
	1296	+ </th>
	1297	+ </tr>
	1298	+ </thead>
	1299	+ <tbody>
	1300	+ <tr>
	1301	+ <th>Insured</th>
	1302	+ <td aria-label="1 year">5.14</td>
	1303	+ <td aria-label="2 year">4.74</td>
	1304	+ <td aria-label="3 year">4.94</td>
	1305	+ <td aria-label="4 year">4.89</td>
	1306	+ <td aria-label="5 year">4.64</td>
	1307	+ <td aria-label="7 year">5.14</td>
	1308	+ <td aria-label="10 year">5.49</td>
	1309	+ </tr>
	1310	+
	1311	+ <tr>
	1312	+ <th>Insurable up to 65% LTV</th>
	1313	+ <td aria-label="1 year">5.14</td>
	1314	+ <td aria-label="2 year">4.74</td>
	1315	+ <td aria-label="3 year">4.94</td>
	1316	+ <td aria-label="4 year">4.89</td>
	1317	+ <td aria-label="5 year">4.69</td>
	1318	+ <td aria-label="7 year">N/A</td>
	1319	+ <td aria-label="10 year">N/A</td>
	1320	+ </tr>
	1321	+
	1322	+ <tr>
	1323	+ <th>Insurable > 65% - 70% LTV</th>
	1324	+ <td aria-label="1 year">5.14</td>
	1325	+ <td aria-label="2 year">4.74</td>
	1326	+ <td aria-label="3 year">4.94</td>
	1327	+ <td aria-label="4 year">4.89</td>
	1328	+ <td aria-label="5 year">4.79</td>
	1329	+ <td aria-label="7 year">N/A</td>
	1330	+ <td aria-label="10 year">N/A</td>
	1331	+ </tr>
	1332	+
	1333	+ <tr>
	1334	+ <th>Insurable > 70% - 75% LTV</th>
	1335	+ <td aria-label="1 year">5.14</td>
	1336	+ <td aria-label="2 year">4.74</td>
	1337	+ <td aria-label="3 year">4.94</td>
	1338	+ <td aria-label="4 year">4.89</td>
	1339	+ <td aria-label="5 year">4.89</td>
	1340	+ <td aria-label="7 year">N/A</td>
	1341	+ <td aria-label="10 year">N/A</td>
	1342	+ </tr>
	1343	+
	1344	+ <tr>
	1345	+ <th>Insurable > 75% - 80% LTV</th>
	1346	+ <td aria-label="1 year">5.14</td>
	1347	+ <td aria-label="2 year">4.74</td>
	1348	+ <td aria-label="3 year">4.94</td>
	1349	+ <td aria-label="4 year">4.89</td>
	1350	+ <td aria-label="5 year">4.94</td>
	1351	+ <td aria-label="7 year">N/A</td>
	1352	+ <td aria-label="10 year">N/A</td>
	1353	+ </tr>
	1354	+
	1355	+
	1356	+ <tr>
	1357	+ <th>Conventional</th>
	1358	+ <td aria-label="1 year">5.14</td>
	1359	+ <td aria-label="2 year">4.74</td>
	1360	+ <td aria-label="3 year">4.94</td>
	1361	+ <td aria-label="4 year">4.89</td>
	1362	+ <td aria-label="5 year">4.94</td>
	1363	+ <td aria-label="7 year">5.14</td>
	1364	+ <td aria-label="10 year">5.49</td>
	1365	+ </tr>
	1366	+ </tbody>
	1367	+ </table>
	1368	+
	1369	+
	1370	+
	1371	+ </div>
	1372	+</div>
	1373	+
	1374	+<div class="card card-white card-floating padding-1 md-padding-3 margin-top-3">
	1375	+ <h3>Adjustable rate mortgages</h3>
	1376	+ <table class="table table-striped margin-top-2">
	1377	+ <thead>
	1378	+ <tr>
	1379	+ <th><span class="sr-only">Mortgage type</span></th>
	1380	+
	1381	+ <th>
	1382	+ 5 year
	1383	+ </th>
	1384	+ </tr>
	1385	+ </thead>
	1386	+ <tbody>
	1387	+ <tr>
	1388	+ <th style="width: 55%;">Insured</th>
	1389	+ <td>
	1390	+Prime - 0.75% for the entire term </td>
	1391	+ </tr>
	1392	+ <tr>
	1393	+ <th>Insurable up to 65% LTV</th>
	1394	+ <td>
	1395	+Prime - 0.70% for the entire term </td>
	1396	+ </tr>
	1397	+ <tr>
	1398	+ <th>Insurable > 65% - 70% LTV</th>
	1399	+ <td>
	1400	+Prime - 0.50% for the entire term </td>
	1401	+ </tr>
	1402	+ <tr>
	1403	+ <th>Insurable > 70% - 75% LTV</th>
	1404	+ <td>
	1405	+Prime - 0.45% for the entire term </td>
	1406	+ </tr>
	1407	+ <tr>
	1408	+ <th>Insurable > 75% - 80% LTV</th>
	1409	+ <td>
	1410	+Prime - 0.40% for the entire term </td>
	1411	+ </tr>
	1412	+ <tr>
	1413	+ <th>Conventional</th>
	1414	+ <td>
	1415	+Prime - 0.16% for the entire term </td>
	1416	+ </tr>
	1417	+
	1418	+ </tbody>
	1419	+ </table>
	1420	+
	1421	+ <p class="gutter-bottom">
	1422	+ <strong>
	1423	+ First National Prime Rate:
	1424	+ <span> 4.45</span>
	1425	+ </strong>
	1426	+ </p>
	1427	+</div>
	1428	+
	1429	+<div class="card card-white card-floating padding-1 md-padding-3 margin-top-3">
	1430	+ <h3>Open term mortgage</h3>
	1431	+ <table class="table table-striped margin-top-2">
	1432	+ <tbody>
	1433	+ <tr>
	1434	+ <th style="width: 55%;">6 month fixed term</th>
	1435	+ <td><span>9.95</span></td>
	1436	+ </tr>
	1437	+ </tbody>
	1438	+ </table>
	1439	+</div>
	1440	+
	1441	+
	1442	+ </div>
	1443	+</div>
	1444	+
	1445	+
	1446	+
	1447	+
	1448	+<div class="card card-white card-floating padding-1 md-padding-3 margin-top-3" id="excalibur">
	1449	+ <h3>Excalibur Mortgage Rates</h3>
	1450	+ <div class="table-responsive margin-top-2">
	1451	+ <table class="table table-striped table-rwd">
	1452	+ <thead>
	1453	+ <tr>
	1454	+ <th><span class="sr-only">Year</span></th>
	1455	+ <th>680+</th>
	1456	+ <th>650-679</th>
	1457	+ <th>600-649</th>
	1458	+ <th>580-599</th>
	1459	+ <th>< 580</th>
	1460	+ </tr>
	1461	+ </thead>
	1462	+
	1463	+ <tbody>
	1464	+ <tr>
	1465	+ <th>1 Year</th>
	1466	+ <td aria-label="680+">4.99%</td>
	1467	+ <td aria-label="650-679">5.14%</td>
	1468	+ <td aria-label="600-649">5.39%</td>
	1469	+ <td aria-label="580-599">5.64%</td>
	1470	+ <td aria-label="< 580">5.89%</td>
	1471	+ </tr>
	1472	+
	1473	+ <tr>
	1474	+ <th>2 Year</th>
	1475	+ <td aria-label="680+">5.09%</td>
	1476	+ <td aria-label="650-679">5.34%</td>
	1477	+ <td aria-label="600-649">5.59%</td>
	1478	+ <td aria-label="580-599">5.84%</td>
	1479	+ <td aria-label="< 580">5.99%</td>
	1480	+ </tr>
	1481	+
	1482	+ <tr>
	1483	+ <th>3 Year</th>
	1484	+ <td aria-label="680+">5.14%</td>
	1485	+ <td aria-label="650-679">5.39%</td>
	1486	+ <td aria-label="600-649">5.64%</td>
	1487	+ <td aria-label="580-599">5.89%</td>
	1488	+ <td aria-label="< 580">6.14%</td>
	1489	+ </tr>
	1490	+ </tbody>
	1491	+ </table>
	1492	+ </div>
	1493	+</div>
	1494	+</div>
	1495	+
	1496	+</div>
	1497	+<div id="Body_C008_Col00" class="sf_colsIn container" data-sf-element="Container" data-placeholder-label="Container"><div class="row align-center" data-sf-element="Row">
	1498	+ <div id="Body_C009_Col00" class="sf_colsIn col-xs-12" data-sf-element="Column 1" data-placeholder-label="Column 1">
	1499	+<div class="content-block" >
	1500	+ <div ><div class="card padding-top-1 md-padding-top-3 padding-left-1 md-padding-left-3 padding-right-1 md-padding-right-3 padding-bottom-0 md-padding-bottom-0"><small class="o-text-tiny text-muted"><p>Not familiar with these mortgage terms? <a href="/residential/mortgage-resources/glossary-of-terms">Visit our glossary here.</a></p><p>Rates are for single-family residential mortgages.</p><p>Actual rates may vary. Please contact First National toll-free at 1.888.670.2111 or send us a message through your <a target="_blank" href="http://mymortgage.firstnational.ca">My Mortgage</a> account. </p><p>Rates are subject to change without notice.<br />E. & O. E.</p></small>
	1501	+</div></div>
	1502	+</div>
	1503	+
	1504	+ </div>
	1505	+</div>
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	1507	+</div>
	1508	+
	1509	+</div>
	1510	+<div id="Body_C010_Col00" class="sf_colsIn region__content l-region--default-keyline padding-top-2 padding-bottom-2 md-padding-top-4 md-padding-bottom-4" data-sf-element="Region" data-placeholder-label="Region"><div id="Body_C011_Col00" class="sf_colsIn container" data-sf-element="Container" data-placeholder-label="Container"><div class="row" data-sf-element="Row">
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	1512	+<div class="content-block" >
	1513	+ <div ><div class="display-flex align-center margin-bottom-2"><img alt="" aria-hidden="true" height="57" src="/ResourcePackages/FirstNationalBootstrap/assets/src/icons/calculator.svg" width="45" /><h3 class="o-text-strong color-black margin-top-0 margin-left-1" id="h-how-much">How much can I afford?<br /> </h3></div><p>Estimate your potential mortgage amount for a realistic picture of what you can afford when buying your dream home.</p><div class="nav__quickie nav__quickie--alt md-margin-top-auto"><ul class="list-unstyled"><li><small><a id="b-how-much" href="/residential/mortgage-calculators/how-much-can-i-afford" aria-labelledby="b-how-much h-how-much">Try the calculator</a></small></li></ul></div></div>
	1514	+</div>
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	1518	+<div class="content-block" >
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	1520	+</div>
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	1525	+ <div ><div class="display-flex align-center margin-bottom-2"><img alt="" aria-hidden="true" height="59" src="/ResourcePackages/FirstNationalBootstrap/assets/src/icons/television.svg" width="59" /><h3 class="o-text-strong color-black margin-top-0 margin-left-1" id="h-mortgage-videos">Mortgage videos<br /> </h3></div><p>Learn about key mortgage concepts in a simple and clear way so you can make decisions and manage your mortgage with confidence.</p><div class="nav__quickie nav__quickie--alt md-margin-top-auto"><ul class="list-unstyled"><li><small><a id="b-mortgage-videos" href="/residential/for-customers/mortgage-videos" aria-labelledby="b-mortgage-videos h-mortgage-videos">WATCH THE VIDEOS</a></small></li></ul></div></div>
	1526	+</div>
	1527	+
	1528	+ </div>
	1529	+ <div id="Body_C028_Col03" class="sf_colsIn col-content-block-h-100 col-content-block-h-100-flex col-xs-12 col-md-3 position-relative md-divider divider-left padding-top-2 md-padding-top-1 md-padding-bottom-1 md-padding-left-2 md-padding-right-2 md-display-flex md-direction-col" data-sf-element="Column 4" data-placeholder-label="Column 4">
	1530	+<div class="content-block" >
	1531	+ <div ><div class="display-flex align-center margin-bottom-2"><img alt="" aria-hidden="true" height="59" src="/ResourcePackages/FirstNationalBootstrap/assets/src/icons/support.svg" width="67" /><h3 class="o-text-strong color-black margin-top-0 margin-left-1" id="h-mortgage-broker">Working with a Mortgage Broker</h3></div><p>Take the stress out of the mortgage process by relying on a credible professional who can provide trusted advice about mortgage rates, options and advantages.</p><div class="nav__quickie nav__quickie--alt md-margin-top-auto"><ul class="list-unstyled"><li><small><a id="b-mortgage-broker" href="/residential/about/working-with-a-mortgage-broker" aria-labelledby="b-mortgage-broker h-mortgage-broker"><span class="sr-only">Working with a Mortgage Broker: </span>LEARN MORE</a></small></li></ul></div></div>
	1532	+</div>
	1533	+
	1534	+ </div>
	1535	+</div>
	1536	+
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	1538	+
	1539	+</div>
	1540	+ </main> <footer class="l-region-footer">
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	1543	+<div class="content-block" >
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	1559	+<div class="content-block" >
	1560	+ <div ><p>First National is one of Canada's largest non-bank mortgage lenders, offering both commercial mortgages and residential mortgage solutions.</p></div>
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	1565	+<div class="content-block" >
	1566	+ <div ><div class="c-form-subscribe" id="formEmailAlerts"><p class="c-form-subscribe__legend o-text-h6 color-fn-green" id="hdrEmailAlerts" role="heading" aria-level="2">Keep up to date with email alerts</p><div class="c-form-subscribe__combo"><label class="sr-only" for="alert_email">Email address</label>
	1567	+ <input class="c-form-subscribe__combo__input" id="alert_email" name="alert_email" placeholder="Enter your email address" type="email" value="" /><button class="c-form-subscribe__combo__submit" type="submit">Subscribe</button></div></div></div>
	1568	+</div>
	1569	+
	1570	+ </div>
	1571	+</div>
	1572	+<div class="row align-center spacing-50" data-sf-element="Row">
	1573	+ <div id="Footer_T240A2D21040_Col00" class="sf_colsIn col-xs-12" data-sf-element="Column 1" data-placeholder-label="Column 1">
	1574	+
	1575	+
	1576	+
	1577	+
	1578	+<ul class="list-unstyled nav-utility xs-justify-center">
	1579	+
	1580	+ <li class=""><a href="/about/policies-disclaimers/privacy-policy" target="_self">Privacy Policy</a></li>
	1581	+ <li class=""><a href="/accessibility" target="_self">Accessibility</a></li>
	1582	+ <li class=""><a href="/contact-us" target="_self">Contact us</a></li>
	1583	+ <li class=""><a href="/about/policies-and-disclaimers/privacy-policy#cookies" target="_self">Cookies</a></li>
	1584	+ <li class=""><a href="/residential/mortgage-resources/fraud-prevention" target="_self">Fraud prevention</a></li>
	1585	+ <li class=""><a href="/licenses" target="_self">Licenses</a></li>
	1586	+</ul>
	1587	+
	1588	+
	1589	+
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	1592	+
	1593	+
	1594	+ </div>
	1595	+</div>
	1596	+<div class="row align-center spacing-20" data-sf-element="Row">
	1597	+ <div id="Footer_T240A2D21041_Col00" class="sf_colsIn col-xs-12" data-sf-element="Column 1" data-placeholder-label="Column 1">
	1598	+<div class="content-block" >
	1599	+ <div ><ul class="list-inline o-text-bodysmall xs-text-center"><li>FSRA License Nos. 10514 & 11252</li><li>© First National Financial LP</li></ul></div>
	1600	+</div>
	1601	+
	1602	+ </div>
	1603	+</div>
	1604	+
	1605	+</div>
	1606	+
	1607	+<script>
	1608	+ var cdJsHost = (("https:" == document.location.protocol) ? "https://" : "http://");
	1609	+ document.write(unescape("%3Cscript src='" + cdJsHost + "analytics.clickdimensions.com/ts.js' type='text/javascript'%3E%3C/script%3E"));
	1610	+</script>
	1611	+
	1612	+<script>
	1613	+ var cdAnalytics = new clickdimensions.Analytics('analytics.clickdimensions.com');
	1614	+ cdAnalytics.setAccountKey('aChIusjvxA066jajDAVjFg');
	1615	+ cdAnalytics.setDomain('firstnational.ca');
	1616	+ cdAnalytics.trackPage();
	1617	+</script>
	1618	+
	1619	+<div class="modal fade" id="modalExternalLinks" tabindex="-1" role="dialog" aria-labelledby="modalExternalLinksLabel">
	1620	+ <div class="modal-dialog" role="document">
	1621	+ <div class="container">
	1622	+ <div class="row">
	1623	+ <div class="col-sm-8 col-sm-offset-2 col-xs-12">
	1624	+ <div class="modal-content">
	1625	+ <div class="modal-header">
	1626	+ <button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
	1627	+ <h2 class="modal-title" id="modalExternalLinksLabel">You are now leaving the First National website</h2>
	1628	+ </div>
	1629	+ <div class="modal-body">
	1630	+ <p id="modalExtLinksContent"></p>
	1631	+ </div>
	1632	+ <div class="modal-footer">
	1633	+ <button type="button" class="btn btn-default" data-dismiss="modal">Cancel</button>
	1634	+ <a class="btn btn-primary" href="#" id="modalExternalLinksTarget" target="_blank">Ok</a>
	1635	+ </div>
	1636	+ </div>
	1637	+ </div>
	1638	+ </div>
	1639	+ </div>
	1640	+ </div>
	1641	+</div>
	1642	+<script>
	1643	+document.getElementById("modalExtLinksContent").innerHTML = "The website you will be entering is not owned or operated by First National or any of its affiliates or subsidiaries. The content, products and information contained on third party websites are not owned or controlled by First National and/or any of its subsidiaries. We make no representations about, do not endorse, and are not responsible or liable for damages relating to the third party, its products or services, its website, its privacy policies or practices, or the content of the third party website.";
	1644	+</script>
	1645	+<div class="content-block cookie-message" >
	1646	+ <div ><div class="container"><div class="row"><div class="col-xs-12"><p>First National uses cookies to make sure you receive the best experience on our website and we collect anonymous information to improve the site’s functionality. By continuing on our site without changing your settings, you consent to First National’s use of <a href="/about/policies-disclaimers/privacy-policy#cookies">cookies</a>.  To understand more, visit our <a href="/about/policies-disclaimers/privacy-policy">Privacy Policy</a>.</p><p><button class="cookie-close-button btn btn-default">Got it</button></p></div></div></div></div>
	1647	+</div>
	1648	+
	1649	+
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	1652	+ </footer> </div> <script src="/ResourcePackages/FirstNationalBootstrap/assets/dist/js/app.min.js?v=639227790309152293" type="text/javascript"></script><input data-sf-role='fr' type='hidden' value='https://www.firstnational.ca/fr/clients-résidentiels/taux-hypothécaires'><script type="text/javascript" src="/js/jquery.cookieBar.min.js"></script><script type="text/javascript">
	1653	+$(document).ready(function() { $(".cookie-message").prependTo(".region__page"); $(".cookie-message").cookieBar({ closeButton: ".cookie-close-button" }); });
	1654	+</script> <script>(function () { var v = 1787609799 * 3.1415926535898; v = Math.floor(v); document.cookie = "__zjc1546="+v+"; expires=Mon, 24 Aug 2026 22:17:39 UTC; path=/"; })()</script></body> </html>

added tests/fixtures/mortgage/mcap.html +1376 −0

		`@@ -0,0 +1,1376 @@`
	1	+
	2	+
	3	+<!DOCTYPE html>
	4	+<html lang="en-CA">
	5	+
	6	+<head>
	7	+
	8	+
	9	+<meta charset="UTF-8" />
	10	+<meta name="viewport" content="width=device-width, initial-scale=1">
	11	+<meta name="accept-language" content="en-CA" />
	12	+<meta name="description" content="Competitive mortgage rates paired with mortgage features you’ll love — available from Canada’s largest independent Mortgage Finance Company. Learn more about MCAP!">
	13	+<meta name="keywords" content="mortgage,rate,rates,mcap">
	14	+<meta name="facebook-domain-verification" content="9nc0ncxgm6jjmi6532xkjsyru2l5mf" />
	15	+
	16	+
	17	+ <!--Twitter-->
	18	+ <meta name="twitter:title" content="Mortgage Rates \| MCAP">
	19	+ <meta name="twitter:description" content="Competitive mortgage rates paired with mortgage features you’ll love — available from Canada’s largest independent Mortgage Finance Company. Learn more about MCAP!">
	20	+ <meta name="twitter:image" content="https://www.mcap.com/Content/MCAP/UploadedImages/MCAP_Mortgage-Rates-canada_Social-Image-Preview.jpg">
	21	+ <!--OG-Facebook-->
	22	+ <meta property="og:title" content="Mortgage Rates \| MCAP">
	23	+ <meta property="og:image" content="https://www.mcap.com/Content/MCAP/UploadedImages/MCAP_Mortgage-Rates-canada_Social-Image-Preview.jpg">
	24	+ <meta property="og:description" content="Competitive mortgage rates paired with mortgage features you’ll love — available from Canada’s largest independent Mortgage Finance Company. Learn more about MCAP!">
	25	+
	26	+
	27	+ <title>
	28	+ Mortgage Rates \| MCAP
	29	+ </title>
	30	+
	31	+
	32	+
	33	+ <link rel="alternate" href="https://www.mcap.com/residential-mortgages/advice/mortgage-rates-canada" hreflang="en-ca" />
	34	+ <link rel="alternate" href="https://www.mcap.com/fr/residentiel/conseils/taux-hypothecaires-canada" hreflang="fr-ca" />
	35	+ <link rel="preload" as="font" href="/Content/MCAP/Modern/assets/fonts/DINPro-Regular.woff" type="font/woff2" crossorigin="anonymous">
	36	+ <link rel="preload" as="font" href="/Content/MCAP/Modern/assets/fonts/DINPro-Medium.woff" type="font/woff2" crossorigin="anonymous">
	37	+ <link rel="preload" as="font" href="/Content/MCAP/Modern/assets/fonts/DIN-Bold.woff" type="font/woff2" crossorigin="anonymous">
	38	+ <link rel="preload" as="font" href="/Content/MCAP/Modern/assets/fonts/DINPro-Black.woff" type="font/woff2" crossorigin="anonymous">
	39	+ <script type="application/ld+json">
	40	+
	41	+
	42	+
	43	+
	44	+ { "@context": "http://schema.org", "@type": "MortgageLoan", "name": "Agency 30 Year Fixed", "description": "Experience easier budgeting with predictable monthly payments. Relax knowing you’ll never have to worry about rising interest rates for the life of your loan.", "amount": { "@type": "MonetaryAmount", "amount": "200000", "currency": "USD" }, "loanTerm": { "@type": "QuantitativeValue", "value": "30", "unitCode": "ANN" }, "interestRate": "3.625", "annualPercentageRate": "3.8047", "loanRepaymentForm": { "@type": "RepaymentSpecification", "loanPaymentAmount": { "@type": "MonetaryAmount", "amount": "909.3", "currency": "USD" }, "downPayment": "20", "numberOfLoanPayments": "360", "loanPaymentFrequency": "Monthly" } }{ "@context": "http://schema.org", "@type": "MortgageLoan", "name": "1-10 Year Closed - Fixed Rate Mortgage", "brand": "MCAP", "description": "With a fixed interest rate mortgage payments are guaranteed not to change for the entire length of the term selected.", "currency": "CAD", "offers": "Owner-occupied with a maximum of 4 units", "offers": "Small rental with MCAP’s Small Rental Program (5 year only)", "offers": "Secondary home (1 unit)","loanTerm": { "@type": "QuantitativeValue", "value": "1", "unitCode": "ANN" },"loanTerm": { "@type": "QuantitativeValue", "value": "2", "unitCode": "ANN" }, "loanTerm": { "@type": "QuantitativeValue", "value": "3", "unitCode": "ANN" }, "loanTerm": { "@type": "QuantitativeValue", "value": "4", "unitCode": "ANN" }, "loanTerm": { "@type": "QuantitativeValue", "value": "5", "unitCode": "ANN" }, "loanTerm": { "@type": "QuantitativeValue", "value": "7", "unitCode": "ANN" }, "loanTerm": { "@type": "QuantitativeValue", "value": "10", "unitCode": "ANN" }, "loanPaymentFrequency": "Monthly","loanPaymentFrequency": "Semi-monthly","loanPaymentFrequency": "Bi-weekly","loanPaymentFrequency": "Weekly (accelerated)","url": "https://www.mcap.com/residential-mortgages/customers/products/1-10-year-closed", }}
	45	+ </script>
	46	+
	47	+ <link rel="icon" href="/Content/MCAP/favicon.ico" />
	48	+ <link href="/Content/MCAP/Modern/css/mcap.min.css?v=2" rel="stylesheet" />
	49	+ <script type="text/javascript" defer="defer">
	50	+ var readMoreText = 'Read More'
	51	+var readLessText = 'Read Less'
	52	+var emailCorrection = 'Did you mean'
	53	+var unsupportedbrowser = 'This site does not fully support your web browser version. Please update your web browser for a better experience and enhanced security on this site. Visit your web browser to download the latest version.'
	54	+
	55	+ </script>
	56	+
	57	+ <script type="text/javascript" src="/Scripts/jquery-3.5.1.min.js"></script>
	58	+
	59	+
	60	+
	61	+
	62	+ <style>
	63	+ main .big-blue-bar{
	64	+margin-top: 50px;
	65	+}
	66	+
	67	+
	68	+@media (min-width: 769px) {
	69	+main .article-list-row.mb-5 {margin-bottom: 90px !important;}
	70	+.charts1 {margin-top: -12px;}
	71	+}
	72	+ </style>
	73	+</head>
	74	+
	75	+<body id="mcap-site" data-title="Mortgage Rates">
	76	+ <a class="skip-main" id="skip-main" href="#main">Skip to main content</a>
	77	+
	78	+
	79	+<script src="https://cdn.jsdelivr.net/npm/axios/dist/axios.min.js"></script>
	80	+
	81	+<div class="container-fluid bg-accent-blue text-white banner-overlap">
	82	+ <div class="container">
	83	+ <p class="font-weight-300 mb-20">
	84	+
	85	+ </p>
	86	+ <p class="font-weight-300 mb-0">
	87	+ <p margin-bottom: 10px;">Want to learn more about the impact of a prime rate change? <a href="https://www.mcap.com/residential-mortgages/advice/mortgage-rates-canada/impact-of-a-prime-rate-change" style="color:#ffffff; text-decoration:underline;">Click here</a> to find out more.</p>
	88	+
	89	+<!--<p><strong>Canada Post Labour Disruption</strong></p><p>Canada Post has announced that mail delivery will resume on a rotating basis. You may experience delivery delays as they work through the backlog. For instant access to your mortgage, log in to <a href="https://www.mcap.com/mymcap/login?lang=en" style="color:#ffffff; text-decoration: underline;">MyMCAP</a>. As always, our customer service team is available to help. <a href="https://www.mcap.com/contact-us/residential-mortgages" style="color:#ffffff; text-decoration: underline;">Contact us here</a>.</p>-->
	90	+
	91	+
	92	+
	93	+
	94	+
	95	+
	96	+
	97	+
	98	+ </p>
	99	+ </div>
	100	+ <button class="close-btn" title="Close banner"></button>
	101	+</div>
	102	+
	103	+ <!-- used for Language toggle to keep the same pages-->
	104	+ <!-- Prepares language toggle for: engUrl and frURL temp data are intialized in contentController.cs, blogController.cs, and _index.cshtml-->
	105	+ <!--setting logo URL-->
	106	+ <!--if anything other than about-mcap, set it to the main BU otherwise set it to about-mcap-->
	107	+
	108	+<nav class="navbar navbar-expand-sm bg-primary-blue static-top" aria-label="top navigation" id="navbar-main">
	109	+ <div class="container">
	110	+ <button class="navbar-toggler" type="button" data-toggle="collapse" data-target="#navbarMCAP" aria-controls="navbarMCAP" aria-expanded="false" aria-label="Toggle navigation"><span class="navbar-toggler-icon"></span></button>
	111	+ <div class="collapse navbar-collapse" id="navbarMCAP">
	112	+ <ul class="navbar-nav mr-auto text-uppercase">
	113	+ <li class="nav-item active">
	114	+ <a class="nav-link" href="/residential-mortgages" aria-label="you are on RESIDENTIAL MORTGAGES ">
	115	+ RESIDENTIAL MORTGAGES
	116	+
	117	+ </a>
	118	+ </li>
	119	+ <li class="nav-item ">
	120	+ <a class="nav-link" href="/commercial-mortgages" >
	121	+ COMMERCIAL MORTGAGES
	122	+
	123	+ </a>
	124	+ </li>
	125	+ <li class="nav-item ">
	126	+ <a class="nav-link" href="/development-finance" >
	127	+ DEVELOPMENT FINANCE
	128	+
	129	+ </a>
	130	+ </li>
	131	+ </ul>
	132	+ <ul class="navbar-nav ml-auto text-uppercase">
	133	+ <li class="nav-item "><a class="nav-link" href="/corporate/about-mcap">About MCAP</a></li>
	134	+
	135	+ <li class="nav-item "><a class="nav-link" href="/corporate/careers">Careers</a></li>
	136	+
	137	+ <li class="nav-item "><a class="nav-link" href="/contact-us/residential-mortgages" aria-label="Contact Us">Contact Us</a></li>
	138	+ <li class="nav-item"><a class="nav-link" href="/fr/residentiel/conseils/taux-hypothecaires-canada">FR</a></li>
	139	+ </ul>
	140	+ </div>
	141	+ </div>
	142	+</nav>
	143	+
	144	+<!-- Header-->
	145	+<header class="menu-container position-relative">
	146	+ <div class="container">
	147	+ <div class="logo">
	148	+ <a href="/residential-mortgages">
	149	+ <img src="/Content/MCAP/Modern/assets/images/logos/mcap.svg" alt="MCAP logo" />
	150	+ </a>
	151	+ </div>
	152	+ <nav aria-label="sub navigation">
	153	+
	154	+ <ul class="menu" role="menubar" id="mainNav">
	155	+
	156	+ <li class="menu-item active" role="none">
	157	+ <a role="menuitem" aria-haspopup="true" aria-expanded="false" class="menu-link megamenu-link link link--metis" href="javascript:void(0)" aria-label="you are on ADVICE "><span>ADVICE</span></a>
	158	+
	159	+ <div class="megamenu-content">
	160	+ <div class="container">
	161	+ <div class="row">
	162	+ <div class="offset-lg-2 col-lg-3 col-md-6">
	163	+ <ul role="menu">
	164	+ <li class="submenu-item" role="none">
	165	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/advice/first-time-home-buyer"><span>Buying Your First Home</span></a>
	166	+ </li>
	167	+ <li class="submenu-item" role="none">
	168	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/advice/existing-home-buyer"><span>Buying Your Next Home</span></a>
	169	+ </li>
	170	+ <li class="submenu-item" role="none">
	171	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/advice/refinance"><span>Refinancing Your Mortgage</span></a>
	172	+ </li>
	173	+ <li class="submenu-item" role="none">
	174	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/advice/secondary-property"><span>Buying a Second Property</span></a>
	175	+ </li>
	176	+ <li class="submenu-item" role="none">
	177	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/advice/renewals"><span>Renewing Your Mortgage</span></a>
	178	+ </li>
	179	+ <li class="submenu-item" role="none">
	180	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/advice/switch-to-mcap"><span>Switching to MCAP</span></a>
	181	+ </li>
	182	+ <li class="submenu-item" role="none">
	183	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/advice/mortgage-rates-canada"><span>Mortgage Rates</span></a>
	184	+ </li>
	185	+ </ul>
	186	+ </div>
	187	+ </div>
	188	+ </div>
	189	+ </div>
	190	+ </li>
	191	+ <li class="menu-item " role="none">
	192	+ <a role="menuitem" aria-haspopup="true" aria-expanded="false" class="menu-link megamenu-link link link--metis" href="javascript:void(0)" ><span>PRODUCTS</span></a>
	193	+
	194	+ <div class="megamenu-content">
	195	+ <div class="container">
	196	+ <div class="row">
	197	+ <div class="offset-lg-2 col-lg-3 col-md-6">
	198	+ <ul role="menu">
	199	+ <li class="submenu-item" role="none">
	200	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/products/our-mortgages"><span>MCAP Mortgages</span></a>
	201	+ </li>
	202	+ <li class="submenu-item" role="none">
	203	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/products/mortgage-life-and-disability-insurance"><span>Home Mortgage Protection: Mortgage Life & Disability Insurance</span></a>
	204	+ </li>
	205	+ <li class="submenu-item" role="none">
	206	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/products/home-service-plan"><span>Home Service Plan</span></a>
	207	+ </li>
	208	+ </ul>
	209	+ </div>
	210	+ </div>
	211	+ </div>
	212	+ </div>
	213	+ </li>
	214	+ <li class="menu-item " role="none">
	215	+ <a role="menuitem" aria-haspopup="true" aria-expanded="false" class="menu-link megamenu-link link link--metis" href="javascript:void(0)" ><span>PROGRAMS</span></a>
	216	+
	217	+ <div class="megamenu-content">
	218	+ <div class="container">
	219	+ <div class="row">
	220	+ <div class="offset-lg-2 col-lg-3 col-md-6">
	221	+ <ul role="menu">
	222	+ <li class="submenu-item" role="none">
	223	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/programs/property-tax-service"><span>Property Tax Service</span></a>
	224	+ </li>
	225	+ <li class="submenu-item" role="none">
	226	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/programs/register-for-key-to-hope"><span>Key to Hope™ - Supporting Habitat for Humanity</span></a>
	227	+ </li>
	228	+ <li class="submenu-item" role="none">
	229	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/programs/myhome-sweepstakes"><span>MyHome Sweepstakes</span></a>
	230	+ </li>
	231	+ </ul>
	232	+ </div>
	233	+ </div>
	234	+ </div>
	235	+ </div>
	236	+ </li>
	237	+ <li class="menu-item " role="none">
	238	+ <a role="menuitem" aria-haspopup="true" aria-expanded="false" class="menu-link megamenu-link link link--metis" href="javascript:void(0)" ><span>RESOURCES</span></a>
	239	+
	240	+ <div class="megamenu-content">
	241	+ <div class="container">
	242	+ <div class="row">
	243	+ <div class="offset-lg-2 col-lg-3 col-md-6">
	244	+ <ul role="menu">
	245	+ <li class="submenu-item" role="none">
	246	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/resources/satisfying-your-mortgage-conditions"><span>Satisfying Your Mortgage Conditions</span></a>
	247	+ </li>
	248	+ <li class="submenu-item" role="none">
	249	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/resources/payment-assistance"><span>Payment Assistance</span></a>
	250	+ </li>
	251	+ <li class="submenu-item" role="none">
	252	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/resources/mortgage-documents"><span>Mortgage Documents</span></a>
	253	+ </li>
	254	+ <li class="submenu-item" role="none">
	255	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/resources/mortgage-payment-calculator"><span>Mortgage Payment Calculator</span></a>
	256	+ </li>
	257	+ <li class="submenu-item" role="none">
	258	+ <a role="menuitem" class="submenu-link link link--metis" href="/residential-mortgages/resources/mortgage-videos"><span>Mortgage Videos</span></a>
	259	+ </li>
	260	+ <li class="submenu-item" role="none">
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	764	+ searchQuery;
	765	+ } else if (window.location.href.indexOf('/fr/') >= 0 && language === 'en') {
	766	+ location = window.location.protocol +
	767	+ '//' +
	768	+ window.location.hostname +
	769	+ ':' +
	770	+ window.location.port +
	771	+ "/" +
	772	+ window.location.pathname +
	773	+ "?languageCode=" +
	774	+ language +
	775	+ searchQuery;
	776	+ location = location.replace('/fr/', '');
	777	+ } else if (language === 'fr') {
	778	+ location = window.location.protocol +
	779	+ '//' +
	780	+ window.location.hostname +
	781	+ ':' +
	782	+ window.location.port +
	783	+ "/fr/Search?languageCode=" +
	784	+ language +
	785	+ searchQuery;
	786	+ } else {
	787	+ location = window.location.protocol +
	788	+ '//' +
	789	+ window.location.hostname +
	790	+ ':' +
	791	+ window.location.port +
	792	+ '/Search?languageCode=' +
	793	+ language +
	794	+ searchQuery;
	795	+ }
	796	+
	797	+ console.log("location", location);
	798	+ window.location.href = location;
	799	+ }
	800	+
	801	+
	802	+</script>
	803	+
	804	+
	805	+ <main id="main">
	806	+
	807	+
	808	+
	809	+
	810	+
	811	+
	812	+
	813	+
	814	+
	815	+
	816	+<div class="jumbotron jumbotron-fluid bg-primary-blue" id="rimagebanner_1">
	817	+ <div class="container">
	818	+ <div class="row">
	819	+ <div class="col-md-4 jumbotron-content-wpr">
	820	+ <h1 class="text-white">Mortgage Rates</h1>
	821	+ <p class="text-white">
	822	+ MCAP offers competitive rates — plus other mortgage features — to help you finance your next home.
	823	+ </p>
	824	+
	825	+
	826	+
	827	+
	828	+ </div>
	829	+
	830	+
	831	+ </div>
	832	+ </div>
	833	+
	834	+
	835	+ <div class="jumbotron-image-container-desktop mcap-polygon-left-clip">
	836	+ <img src="/Content/MCAP/UploadedImages/advice-rates-hero1_6235ae4.jpg" class="obj-pos-h-center" alt="" />
	837	+ </div>
	838	+ <div class="jumbotron-image-container-mobile mcap-polygon-left-clip-mobile">
	839	+ <img src="/Content/MCAP/UploadedImages/advice-rates-hero1_6235ae4.jpg" class="obj-pos-h-center" alt="" />
	840	+ </div>
	841	+</div>
	842	+
	843	+<script type="text/javascript">
	844	+ setTimeout(function () {
	845	+ $("#btnHero_1").click(function () {
	846	+ location.href = '';
	847	+ });
	848	+ }, 500);
	849	+</script>
	850	+
	851	+
	852	+
	853	+<div class="container-fluid" id="limagecnt_2">
	854	+ <div class="container">
	855	+ <div class="row mb-5 article-list-row big-img">
	856	+ <div class="col-sm-6 pr-0">
	857	+ <div class="article-img">
	858	+ <img src="/Content/MCAP/UploadedImages/advice-rates-content2_0f334a4.jpg" alt="" />
	859	+ </div>
	860	+ </div>
	861	+ <div class="col-sm-6 pl-sm-4">
	862	+ <div class="article-body">
	863	+ <!--Title-->
	864	+ <h2 class="text-primary-blue h3">There’s more to consider than rates</h2>
	865	+
	866	+ <!--Description-->
	867	+ <p class="text-tertiary-grey">
	868	+ When buying a home, mortgage rates are an important part of the conversation — but they’re not the whole story. When choosing a mortgage, it’s also important to consider:
	869	+ </p>
	870	+
	871	+ <!--Bullet List-->
	872	+ <ul class="disc-list text-tertiary-grey font-weight-300">
	873	+ <li>The flexibility of the payment schedule</li>
	874	+ <li>Available options to pay down the mortgage faster</li>
	875	+ <li>Whether you can take your mortgage with you when you move</li>
	876	+ </ul>
	877	+
	878	+ <!--Link-->
	879	+ <p class="mt-1">
	880	+ <a href="/residential-mortgages/products/our-mortgages" class="green-arrow-link d-inline-block font-weight-700 text-underline">View MCAP mortgages</a>
	881	+ </p>
	882	+
	883	+
	884	+ </div>
	885	+ </div>
	886	+ </div>
	887	+ </div>
	888	+</div>
	889	+
	890	+
	891	+<div class="container-fluid" id="rimagecnt_3">
	892	+ <div class="container">
	893	+ <div class="row my-5 article-list-row big-img d-flex flex-column-reverse flex-sm-row">
	894	+ <div class="col-sm-6 pr-0">
	895	+ <div class="article-body">
	896	+ <!--Title-->
	897	+ <h2 class="text-primary-blue h3">Finding the right mortgage</h2>
	898	+
	899	+ <!--Description-->
	900	+ <p class="text-tertiary-grey">
	901	+ Do you prefer the stability of a fixed rate or the flexibility of a variable rate? Are you planning to be in your home for a long time or only for a specific period of time? Your priorities, goals, and lifestyle all factor into your mortgage decision. A broker can help guide you to the mortgage that’s right for you.
	902	+ </p>
	903	+
	904	+ <!--Bullet List-->
	905	+
	906	+ <!--Link-->
	907	+ <p class="mt-1">
	908	+ <a href="/residential-mortgages/resources/find-a-mortgage-broker" class="green-arrow-link d-inline-block font-weight-700 text-underline">Find a mortgage broker</a>
	909	+ </p>
	910	+
	911	+
	912	+ </div>
	913	+ </div>
	914	+ <div class="col-sm-6 pl-sm-4">
	915	+ <div class="article-img">
	916	+ <img src="/Content/MCAP/UploadedImages/advice-rates-content2-2_bcd2cf4.jpg" alt="" />
	917	+ </div>
	918	+ </div>
	919	+ </div>
	920	+ </div>
	921	+</div>
	922	+
	923	+
	924	+
	925	+<div class="container-fluid charts1 bg-accent-superlight-grey" id="comparison_4">
	926	+ <div class="container">
	927	+ <div class="row">
	928	+ <div class="col-sm-12 d-flex flex-column px-0">
	929	+ <h2 class="text-left text-sm-center font-weight-700 text-primary-blue">Fixed vs. Adjustable Rate Mortgages</h2>
	930	+ <p class="text-left text-sm-center text-tertiary-grey mb-30">
	931	+ Before deciding whether a fixed or adjustable rate mortgage is right for you, take a look at the features of each mortgage type below.
	932	+ </p>
	933	+
	934	+ <div class="compare-container eq-h" data-col-sel=".compare-col">
	935	+ <div class="col-left float-left compare-col">
	936	+ <h3 class="text-primary-blue mb-20">Fixed</h3>
	937	+ <p class="text-tertiary-grey plus-p">
	938	+ <span class="text-accent-green font-weight-700">+ </span>The interest rate is locked in for the full term of the mortgage
	939	+ </p>
	940	+ <p class="text-tertiary-grey plus-p">
	941	+ <span class="text-accent-green font-weight-700">+ </span>Principal and interest payments are guaranteed not to change throughout your term
	942	+ </p>
	943	+ <p class="text-tertiary-grey plus-p">
	944	+ <span class="text-accent-green font-weight-700">+ </span>You have the option to pay down your mortgage faster with certain lump-sum and pre-payment privileges
	945	+ </p>
	946	+ </div>
	947	+ <div class="col-right float-left compare-col">
	948	+ <h3 class="text-primary-blue mb-20">Adjustable</h3>
	949	+ <p class="text-tertiary-grey plus-p">
	950	+ <span class="text-accent-green font-weight-700">+ </span>If interest rates fluctuate up or down your mortgage rate will do the same
	951	+ </p>
	952	+ <p class="text-tertiary-grey plus-p">
	953	+ <span class="text-accent-green font-weight-700">+ </span>Your regular payment will also go up or down in relation to the rise and fall of interest rates
	954	+ </p>
	955	+ <p class="text-tertiary-grey plus-p">
	956	+ <span class="text-accent-green font-weight-700">+ </span>Provides the option to convert to a fixed rate mortgage anytime — so you can take advantage of falling rates
	957	+ </p>
	958	+ <p class="text-tertiary-grey plus-p">
	959	+ <span class="text-accent-green font-weight-700">+ </span>You have the option to pay down your mortgage faster with certain lump-sum and pre-payment privileges
	960	+ </p>
	961	+ </div>
	962	+ </div>
	963	+
	964	+ </div>
	965	+ </div>
	966	+ <div class="row">
	967	+ <div class="col-sm-12 text-center">
	968	+ <!-- <p> -->
	969	+ <button class="btn btn-primary d-inline-block" id="cmpBtn_4">CALCULATE</button>
	970	+ <!-- </p> -->
	971	+ <p class="text-center text-tertiary-grey mt-2">
	972	+ Discover how much your mortgage payments could be and compare different mortgage options to find what works best for you.
	973	+ </p>
	974	+ </div>
	975	+ </div>
	976	+ </div>
	977	+</div>
	978	+
	979	+
	980	+<script type="text/javascript">
	981	+ $(function() {
	982	+ $("#cmpBtn_4").click(function () {
	983	+ location.href = '/residential-mortgages/resources/mortgage-payment-calculator';
	984	+ });
	985	+ });
	986	+</script>
	987	+
	988	+
	989	+<div class="container-fluid big-blue-bar simple d-flex justify-content-center flex-column inverse-bg-sm mb-5 prime-rate-module" id="ctap_5">
	990	+ <div class="container text-left px-0 px-sm-3">
	991	+ <div class="row">
	992	+ <div class="col-lg-6 col-md-5 top-text-container">
	993	+ <h3 class="text-white mb-1 font-36 font-weight-700">Current prime rate</h3>
	994	+ <p class="text-white mb-0 font-weight-300">The prime rate is the annual interest rate that major banks and lenders within Canada use to set variable-rate mortgages, such as the MCAP adjustable rate mortgage. The prime rate is influenced by the rate set by the Bank of Canada.<br><a href="/residential-mortgages/advice/mortgage-rates-canada/prime-rate-history">View historical rates</a></p>
	995	+ </div>
	996	+ <div class="offset-0 col-6 offset-md-1 col-md-3 col-lg-2 d-flex align-items-start justify-content-center flex-column">
	997	+ <p class="text-white mb-0 font-weight-300 align-self-start mb-3">MCAP Prime Rate</p>
	998	+ <p class="h2 round-number-box text-white bg-primary-blue font-weight-700 text-center">
	999	+ 4.45%
	1000	+ </p>
	1001	+ </div>
	1002	+ <div class="col-6 col-md-3 col-lg-3 d-flex align-items-center justify-content-start">
	1003	+ <p class="text-white big mt-4 font-weight-700 pl-3 pt-3">
	1004	+ Effective October 30, 2025
	1005	+ </p>
	1006	+ </div>
	1007	+ </div>
	1008	+
	1009	+ </div>
	1010	+</div>
	1011	+
	1012	+
	1013	+ <div class="container-fluid bg-accent-superlight-grey cta-hero cta-clipped" id="fwbanner_6">
	1014	+ <div class="cta-hero-image-container-desktop mcap-polygon-right-clip-banner">
	1015	+ <img src="/Content/MCAP/UploadedImages/Enrich-Your-Mortgage-cta6_1053154.jpg" alt="" class="obj-pos-h-center" />
	1016	+ </div>
	1017	+
	1018	+ <div class="container mt-2 mt-sm-0">
	1019	+ <div class="row">
	1020	+ <div class="offset-0 offset-sm-6 col-sm-6 cta-clipped-text">
	1021	+ <h2 class="text-primary-blue mb-30">Enrich Your Mortgage Rate Knowledge</h2>
	1022	+ <p class="small text-tertiary-grey mb-30 font-weight-300">
	1023	+ The mortgage process can be complex but we’re here to help. Find the answers to all your mortgage, rate and payment questions in our ultimate guide to mortgage rates in Canada.
	1024	+ </p>
	1025	+ <a href="https://www.mcap.com/residential-mortgages/advice/mortgage-rates-canada/the-ultimate-guide-to-mortgage-rates-in-canada" class="green-arrow-link text-underline">Explore the Guide</a>
	1026	+ </div>
	1027	+
	1028	+ </div>
	1029	+ </div>
	1030	+ </div>
	1031	+
	1032	+
	1033	+
	1034	+<div class="container-fluid big-blue-bar" id="cta_7">
	1035	+ <div class="container text-center">
	1036	+ <h2 class="text-white h3">Talk to a broker for our current rates</h2>
	1037	+ <p class="text-white h4">MCAP mortgage brokers can walk you through our current mortgage rates and help you choose a mortgage that meets your needs.</p>
	1038	+ <button class="btn btn-tertiary" id="contactBtn_7" data-url="/residential-mortgages/resources/find-a-mortgage-broker">FIND A BROKER</button>
	1039	+
	1040	+ </div>
	1041	+</div>
	1042	+
	1043	+ <script type="text/javascript">
	1044	+ setTimeout(function () {
	1045	+ $("#contactBtn_7").click(function () {
	1046	+ location.href = '/residential-mortgages/resources/find-a-mortgage-broker';
	1047	+ });
	1048	+ }, 500);
	1049	+ </script>
	1050	+
	1051	+
	1052	+
	1053	+
	1054	+
	1055	+ </main>
	1056	+
	1057	+
	1058	+
	1059	+ <!-- Footer -->
	1060	+ <footer>
	1061	+ <div class="footer container-fluid">
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	1063	+ <div class="row">
	1064	+ <div class="col-sm-3 footer-logo-container">
	1065	+ <img class="footer-logo" src="/Content/MCAP/Modern/assets/images/logos/mcap-inverse.svg" alt="MCAP logo" />
	1066	+ </div>
	1067	+ <div class="col-md-2">
	1068	+ <ul class="footer-links">
	1069	+ <li>
	1070	+ <span class="font-weight-300">COMPANY</span>
	1071	+ </li>
	1072	+
	1073	+ <li>
	1074	+ <a href="/corporate/about-mcap">ABOUT MCAP</a>
	1075	+ </li>
	1076	+
	1077	+ <li>
	1078	+ <a href="/corporate/careers">CAREERS</a>
	1079	+ </li>
	1080	+ </ul>
	1081	+ </div>
	1082	+ <div class="col-md-3">
	1083	+ <ul class="footer-links">
	1084	+ <li>
	1085	+ <span class="font-weight-300">INFO</span>
	1086	+ </li>
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	1088	+ <li>
	1089	+ <a href="/corporate/institutional-investor">INSTITUTIONAL INVESTOR</a>
	1090	+ </li>
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	1092	+ <li>
	1093	+ <a href="/corporate/outsourcing-mortgages">OUTSOURCING MORTGAGES</a>
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	1096	+ </div>
	1097	+ <div class="col-md-2">
	1098	+ <ul class="footer-links social-links">
	1099	+ <li>
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	1103	+ <li>
	1104	+ <a href="https://www.facebook.com/MCAPResidential/" class="facebook social-link" target="_blank">FACEBOOK</a>
	1105	+ </li>
	1106	+
	1107	+ </ul>
	1108	+ </div>
	1109	+ <div class="top-btn-container">
	1110	+ <a href="#navbar-main" style="background-color: #FFFFFF; border-radius: 5rem;" class="scroll-top float-end" aria-label="back to top">
	1111	+ TOP
	1112	+ </a>
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	1119	+ <a href="/corporate/legal">LEGAL</a> <span> \| </span>
	1120	+ </li>
	1121	+ <li>
	1122	+ <a href="/corporate/privacy">SECURITY, PRIVACY & AML</a> <span> \| </span>
	1123	+ </li>
	1124	+ <li>
	1125	+ <a href="/corporate/accessibility">ACCESSIBILITY</a> <span> \| </span>
	1126	+ </li>
	1127	+ <li>
	1128	+ <a href="/corporate/licenses">LICENSES</a>
	1129	+ </li>
	1130	+ </ul>
	1131	+ </div>
	1132	+ </div>
	1133	+ <div class="row border-top">
	1134	+ <div class="col-sm-3">
	1135	+ <p>
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	1139	+ <div class="col-sm-9 d-none d-sm-block">
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	1142	+ <a href="/corporate/legal">LEGAL</a> <span> \| </span>
	1143	+ </li>
	1144	+ <li>
	1145	+ <a href="/corporate/privacy">SECURITY, PRIVACY & AML</a> <span> \| </span>
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	1148	+ <a href="/corporate/accessibility">ACCESSIBILITY</a> <span> \| </span>
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	1151	+ <a href="/corporate/licenses">LICENSES</a>
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	1154	+ </div>
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	1158	+ </footer>
	1159	+ <svg width="0" height="0" class="mcap-svg">
	1160	+ <defs>
	1161	+ <clipPath id="clip-shape" clipPathUnits="objectBoundingBox" transform="scale(0.001396648045, 0.001560062402)">
	1162	+ <path d="M514 0L0 6.10352e-05V642H530L690.302 364.678C706.104 337.34 705.45 303.496 688.603 276.79L514 0Z" />
	1163	+ </clipPath>
	1164	+ </defs>
	1165	+ </svg>
	1166	+
	1167	+ <svg width="0" height="0" class="mcap-svg">
	1168	+ <defs>
	1169	+ <clipPath id="clip-shape-left" clipPathUnits="objectBoundingBox" transform="scale(0.000520833333, 0.001445086705)">
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	1171	+ </clipPath>
	1172	+ </defs>
	1173	+ </svg>
	1174	+
	1175	+ <svg width="0" height="0" class="mcap-svg">
	1176	+ <defs>
	1177	+ <clipPath id="clip-shape-vert" clipPathUnits="objectBoundingBox" transform="scale(0.00265957446, 0.00272479564)">
	1178	+ <path d="M376 272.282L376 0L0 0L0 287.847L137.043 349.108C162.44 360.461 191.536 360.112 216.652 348.153L376 272.282Z" />
	1179	+ </clipPath>
	1180	+ </defs>
	1181	+ </svg>
	1182	+
	1183	+
	1184	+ <!--global-->
	1185	+ <script>
	1186	+ let numFormatter_en = new Intl.NumberFormat('en-CA', { style: 'currency', currency: 'CAD' });
	1187	+ let numFormatter_fr = new Intl.NumberFormat('fr-CA', { style: 'currency', currency: 'CAD' });
	1188	+ let decimalFormatter_en = new Intl.NumberFormat('en-CA', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
	1189	+ let decimalFormatter_fr = new Intl.NumberFormat('fr-CA', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
	1190	+ let appLang = 'True' === 'True' ? 'en' : 'fr';
	1191	+ </script>
	1192	+ <!-- Bootstrap core JS-->
	1193	+ <script src="https://code.jquery.com/jquery-3.5.1.min.js"></script>
	1194	+ <script src="/Scripts/bootstrap.bundle.min.js"></script>
	1195	+ <!-- Core theme JS-->
	1196	+ <script src="/Content/MCAP/Modern/js/scripts.js?v=3"></script>
	1197	+ <!-- Core plugins-->
	1198	+ <script src="/Content/MCAP/Modern/js/custom-select.min.js"></script>
	1199	+ <script src="/Content/MCAP/Modern/js/tiny-slider.js"></script>
	1200	+
	1201	+ <script src="/Content/MCAP/Modern/js/MenubarLinks.js"></script>
	1202	+ <script src="/Content/MCAP/Modern/js/MenubarItemLinks.js"></script>
	1203	+ <script src="/Content/MCAP/Modern/js/PopupMenuLinks.js"></script>
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	1205	+ <script src="/Content/MCAP/Modern/js/disclosureMenu.js"></script>
	1206	+ <script src="/Content/MCAP/Modern/js/listbox.js"></script>
	1207	+ <script src="/Content/MCAP/Modern/js/listbox-collapsible.js"></script>
	1208	+ <script src="/Content/MCAP/Modern/js/utils.js"></script>
	1209	+
	1210	+
	1211	+<script src="https://cdn.jsdelivr.net/npm/axios/dist/axios.min.js"></script>
	1212	+
	1213	+ <div id="consent-popup">
	1214	+ <h2 class="titleText">We value your privacy</h2>
	1215	+ <div id="consent-popup-content-container">
	1216	+ <p id="consent-popup-content">
	1217	+ By clicking “ACCEPT ALL”, you consent to our use of cookies and other
	1218	+ technologies that collect information about website visitor activity to
	1219	+ enhance your browsing experience, analyze our website usage and traffic,
	1220	+ and serve personalized ads. View our
	1221	+ <a id="privacy-link" href="/corporate/privacy" target="_blank" rel="noopener"
	1222	+ >Privacy page</a
	1223	+ >
	1224	+ to learn more.
	1225	+ </p>
	1226	+ </div>
	1227	+
	1228	+ <div class="button-row center">
	1229	+ <button id="accept-consent" class="btn btn-tertiary text-uppercase btn-margin-right" type="submit">
	1230	+ Accept All</button
	1231	+ ><button id="reject-consent" class="btn btn-tertiary text-uppercase" type="submit">
	1232	+ Reject All
	1233	+ </button>
	1234	+ </div>
	1235	+</div>
	1236	+
	1237	+ <script>
	1238	+ var menubar = new Menubar(document.getElementById('mainNav'));
	1239	+ menubar.init();
	1240	+
	1241	+ $('#accept-consent').click(async function () {
	1242	+ $(this).parent().parent().hide();
	1243	+ try {
	1244	+ let response = await fetch('../accept-consent');
	1245	+ if (!response) {
	1246	+ throw new Error('Network response was not ok')
	1247	+ }
	1248	+ }
	1249	+ catch (error) {
	1250	+ console.log("There was a problem with fetch operation", error)
	1251	+ }
	1252	+ location.reload();
	1253	+ });
	1254	+
	1255	+ $('#reject-consent').click(async function () {
	1256	+ $(this).parent().parent().hide();
	1257	+ try {
	1258	+ let response = await fetch('../reject-consent');
	1259	+ if (!response) {
	1260	+ throw new Error('Network response was not ok')
	1261	+ }
	1262	+ }
	1263	+ catch (error) {
	1264	+ console.log("There was a problem with fetch operation", error)
	1265	+ }
	1266	+ location.reload();
	1267	+ });
	1268	+ </script>
	1269	+
	1270	+
	1271	+
	1272	+ <style>
	1273	+ #consent-popup {
	1274	+ position: sticky;
	1275	+ width: 100%;
	1276	+ background: #2A36A9;
	1277	+ bottom: 0;
	1278	+ left: 0;
	1279	+ padding: 20px;
	1280	+ z-index: 2;
	1281	+ .titleText
	1282	+
	1283	+ {
	1284	+ font-size: 18px;
	1285	+ text-align: center;
	1286	+ color: #fff;
	1287	+ margin-bottom: 0.5rem;
	1288	+ }
	1289	+
	1290	+ .contentText {
	1291	+ text-align: center;
	1292	+ color: white;
	1293	+ max-width: 1200px;
	1294	+ margin: 0 auto;
	1295	+ p, a
	1296	+
	1297	+ {
	1298	+ color: white;
	1299	+ margin-bottom: 15px;
	1300	+ &:last-child
	1301	+
	1302	+ {
	1303	+ margin-bottom: 0px;
	1304	+ }
	1305	+
	1306	+ }
	1307	+ }
	1308	+
	1309	+ .button-row {
	1310	+ margin-top: 1.2rem;
	1311	+ display: flex;
	1312	+ justify-content: center;
	1313	+ .button-consent
	1314	+
	1315	+ {
	1316	+ margin-right: 30px;
	1317	+ &:last-child
	1318	+
	1319	+ {
	1320	+ margin-right: 0px;
	1321	+ }
	1322	+
	1323	+ }
	1324	+
	1325	+ .button--secondary {
	1326	+ background:;
	1327	+ border: 1px solid;
	1328	+ }
	1329	+
	1330	+ }
	1331	+ }
	1332	+
	1333	+ #consent-popup-content {
	1334	+ color: white;
	1335	+ font-size: 16px;
	1336	+ }
	1337	+
	1338	+ #consent-popup-content-container {
	1339	+ text-align: center;
	1340	+ max-width: 1200px;
	1341	+ margin: 0 auto;
	1342	+ }
	1343	+
	1344	+ #privacy-link {
	1345	+ text-decoration: underline;
	1346	+ color: #fff;
	1347	+ }
	1348	+
	1349	+ .btn-margin-right {
	1350	+ margin-right: 30px;
	1351	+ }
	1352	+
	1353	+ #accept-consent, #reject-consent {
	1354	+ background-color: #EFF2F5;
	1355	+ padding: 0.7rem 1.5rem;
	1356	+ border-radius: 3px;
	1357	+ letter-spacing: 0.02em;
	1358	+ color: #1D2675;
	1359	+ overflow: hidden;
	1360	+ position: relative;
	1361	+ display: inline-block;
	1362	+ text-align: center;
	1363	+ vertical-align: middle;
	1364	+ user-select: none;
	1365	+ border: 1px solid transparent;
	1366	+ line-height: 1.5;
	1367	+ transition: color 0.15s ease-in-out, background-color 0.15s ease-in-out, border-color 0.15s ease-in-out, box-shadow 0.15s ease-in-out;
	1368	+ }
	1369	+
	1370	+ .footer-links-bottom-right {
	1371	+ float: right;
	1372	+ text-align: right;
	1373	+ }
	1374	+ </style>
	1375	+<script type="text/javascript" src="/_Incapsula_Resource?SWJIYLWA=719d34d31c8e3a6e6fffd425f7e032f3&ns=10&cb=1205200974" async></script></body>
	1376	+</html>

added tests/fixtures/mortgage/national-bank.html +11449 −0

		`@@ -0,0 +1,12197 @@`
	1	+hares\",\"url\":\"https://www.nbc.ca/about-us/investors/capital-debt/shares.html\",\"current\":false},{\"label\":\"Legislative covered bonds\",\"url\":\"https://www.nbc.ca/about-us/investors/capital-debt/legislative-covered-bonds.html\",\"current\":false}]}]},{\"label\":\"News and communications\\t\\t\\t\",\"url\":\"https://www.nbc.ca/about-us/news-media.html\",\"current\":false,\"sections\":[{\"label\":\"PRESS RELEASES\",\"url\":\"\",\"current\":false,\"links\":[{\"label\":\"Latest news\",\"url\":\"https://www.nbc.ca/about-us/news-media/press-release.html\",\"current\":false},{\"label\":\"Archives 2025\",\"url\":\"https://www.nbc.ca/about-us/news-media/press-release/2025.html\",\"current\":false},{\"label\":\"Archives 2024\",\"url\":\"https://www.nbc.ca/about-us/news-media/press-release/2024.html\",\"current\":false},{\"label\":\"Archives 2023\",\"url\":\"https://www.nbc.ca/about-us/news-media/press-release/2023.html\",\"current\":false},{\"label\":\"Archives 2022\",\"url\":\"https://www.nbc.ca/about-us/news-media/press-release/2022.html\",\"current\":false},{\"label\":\"Archives 2021\",\"url\":\"https://www.nbc.ca/about-us/news-media/press-release/2021.html\",\"current\":false}]},{\"label\":\"FINANCIAL NEWS\",\"url\":\"\",\"current\":false,\"links\":[{\"label\":\"Financial news\",\"url\":\"https://www.nbc.ca/about-us/news-media/financial-news.html\",\"current\":false},{\"label\":\"Economical impact\",\"url\":\"https://www.nbc.ca/personal/advice/economic-impact.html\",\"current\":false},{\"label\":\"Financial analysis\",\"url\":\"https://www.nbc.ca/about-us/news-media/financial-news/financial-analysis.html\",\"current\":false}]}]},{\"label\":\"Careers\\t\\t\",\"url\":\"https://www.nbc.ca/tools-apps/career.html\",\"current\":false,\"sections\":[{\"label\":\" \",\"url\":\"\",\"current\":false,\"links\":[{\"label\":\"Life at National Bank\",\"url\":\"https://www.nbc.ca/tools-apps/career/life-national-bank.html\",\"current\":false},{\"label\":\"All Jobs\",\"url\":\"https://www.nbc.ca/tools-apps/career/all-jobs.html\",\"current\":false},{\"label\":\"Students and Internships\",\"url\":\"https://www.nbc.ca/tools-apps/career/students-internships.html\",\"current\":false}]}]}]}]}","/content/bnc/en/jcr:content/navigation-menu_com.bnc.aem.websites.toolkit.sling.models.react.NavigationMenu.isSecure()":"false","/content/bnc/en/jcr:content/navigation-menu_com.bnc.aem.websites.toolkit.sling.models.react.NavigationMenu.getSecureUrl()":"https://www.nbc.ca/personal/mortgages/rates.html/secure","/content/bnc/en/jcr:content/navigation-menu_com.bnc.aem.websites.toolkit.sling.models.LanguageSwitcher.getLanguageTwoCharName()":"Fr","/content/bnc/en/jcr:content/navigation-menu_com.bnc.aem.websites.toolkit.sling.models.LanguageSwitcher.getCurrentEncodedPagePath()":"5f42a34d6054412cfde38ac6c89caeafe0f5ea3453a3cf05c6beb01e865d6b0cbe4a70c0c4c1deeab76bb6d03abc697af77526d5b3f11211c2b59dca812f00a10eb376b9b5acac44aa49b6afbda9668a","/content/bnc/en/jcr:content/navigation-menu_com.bnc.aem.websites.toolkit.sling.models.LanguageSwitcher.getLanguageFirstLetterCapitalized()":"Français"}},"resourceType":"web-sites-react/components/navigation-menu","path":"/content/bnc/en/jcr:content/navigation-menu","wcmmode":"disabled"}</script><script src="/etc.clientlibs/web-sites-toolkit/clientlibs/web-sites-toolkit/toolkit-clientlib/clientlibs/vendor/lodash.min.a98e817fa80e9f0446305f835cdaa621.js"></script>
	2	+<script src="/etc.clientlibs/web-sites/clientlibs/vendor/react.min.45e0671f00ea10ecf34e891cd69b1f90.js"></script>
	3	+<script src="/etc.clientlibs/web-sites-react/components/web-sites-react/clientlib.min.fe11aea912e2dd12fabdd3005a3b27d5.js"></script>
	4	+<script src="/etc.clientlibs/web-sites/clientlibs/core/eventListenerHandlers.min.6da5ec95ff88986fe5a678195fb73f2e.js"></script>
	5	+<script src="/etc.clientlibs/web-sites/clientlibs/core/basepage.min.3097d244e3acdaa1cc46cbe27a844341.js"></script>
	6	+<script src="/etc.clientlibs/web-sites/clientlibs/core/sticky.min.f7421d1f70d92b9a74fb9655256bba54.js"></script>
	7	+<script src="/etc.clientlibs/web-sites-react/components/navigation-menu/clientlib.min.b4b22ad67a81f751655f944101a7ede1.js"></script>
	8	+
	9	+ </div>
	10	+
	11	+
	12	+
	13	+
	14	+
	15	+ <main>
	16	+
	17	+
	18	+
	19	+
	20	+<!-- on affiche le breadcrumb au besoin -->
	21	+
	22	+
	23	+
	24	+
	25	+<!-- on affiche pas le titre au besoin -->
	26	+
	27	+
	28	+<div class="container-fluid">
	29	+ <div class="parsys"><div class="plainhtmlcode section">
	30	+<div data-emptytext="HTML Component" class="cq-placeholder"></div>
	31	+<style>:target:before {
	32	+ content: "";
	33	+ display: block;
	34	+ height: 57px;
	35	+ margin-top: -40px;
	36	+}</style>
	37	+</div>
	38	+<div class="capsuleProductsProvider section">
	39	+
	40	+
	41	+<script src="/etc.clientlibs/web-sites/components/product/capsuleProductsProvider/clientlibs/site.min.5c88cf4ad66fd778797b7943e97fc6ab.js"></script>
	42	+
	43	+
	44	+
	45	+
	46	+
	47	+
	48	+
	49	+
	50	+ <script>
	51	+ // All arrays are centralized inside this object
	52	+ // It contains capsule aliases arrays
	53	+ // or the only array coming from the Products Provider Component
	54	+ Websites.Product.Core.setProductMap(JSON.parse("{\x22c1\x22:\x22[{\\\x22taux7ansF\\\x22:\\\x226.400\\\x22,\\\x22tauxPromo4ansF\\\x22:\\\x224,79\\\x22,\\\x22tauxPromo3ansFQ\\\x22:\\\x224,64\\\x22,\\\x22productName.fr\\\x22:\\\x22Prêt Hypothécaire\\\x22,\\\x22productCriteria.AMTRANGE\\\x22:\\\x22true\\\x22,\\\x22channel.s_1859_pfe\\\x22:\\\x22false\\\x22,\\\x22productAbbrvName.fr\\\x22:\\\x22Prêt Hypothécaire\\\x22,\\\x22tac3ans\\\x22:\\\x224,69\\\x22,\\\x22productName\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22productCriteria.FNDSERIEF\\\x22:\\\x22false\\\x22,\\\x22tauxPromo3ansF\\\x22:\\\x224.64\\\x22,\\\x22productCriteria.FNDSERIEE\\\x22:\\\x22false\\\x22,\\\x22conditionId\\\x22:\\\x22PH\u002DTF\\\x22,\\\x22productCriteria.AMTRANGE.criteriaLowerValue\\\x22:\\\x225000\\\x22,\\\x22productCriteria.CURRENCY\\\x22:\\\x22false\\\x22,\\\x22tauxDateJour\\\x22:\\\x222026\u002D08\u002D24T16:00:22.482\u002D04:00\\\x22,\\\x22productTypeCd\\\x22:\\\x22MORTGLOAN\\\x22,\\\x22productAbbrvName.en\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22productId\\\x22:\\\x22PH\u002DPRETHYP\\\x22,\\\x22taux1anF\\\x22:\\\x225.490\\\x22,\\\x22channel.mobile\\\x22:\\\x22false\\\x22,\\\x22productCriteria.AMTRANGE.unitOfMsrCd\\\x22:\\\x22AMT\\\x22,\\\x22additionalCharacteristics\\\x22:[],\\\x22tac4ans\\\x22:\\\x224,83\\\x22,\\\x22tags\\\x22:[],\\\x22productCriteria.MAGFI\\\x22:\\\x22false\\\x22,\\\x22productCriteria.AMTRANGE.lowerComparisonCd\\\x22:\\\x22GE\\\x22,\\\x22productConditionName\\\x22:\\\x22Mortgage fixed rate\\\x22,\\\x22taux6moisF\\\x22:\\\x226.090\\\x22,\\\x22channel.vsd_res\\\x22:\\\x22false\\\x22,\\\x22taux3moisF\\\x22:\\\x227.840\\\x22,\\\x22productCriteria.PSYSINVEST\\\x22:\\\x22false\\\x22,\\\x22tauxPromo4ansFQ\\\x22:\\\x224,79\\\x22,\\\x22tauxPromo5ansF\\\x22:\\\x224,84\\\x22,\\\x22channel.sbip\\\x22:\\\x22false\\\x22,\\\x22tac4ansQ\\\x22:\\\x224,83\\\x22,\\\x22productCriteria.INTTYPE\\\x22:\\\x22false\\\x22,\\\x22channel.ddh\\\x22:\\\x22false\\\x22,\\\x22taux6moisO\\\x22:\\\x229.750\\\x22,\\\x22tac3ansQ\\\x22:\\\x224,69\\\x22,\\\x22channel.succ\\\x22:\\\x22false\\\x22,\\\x22taux2ansIA\\\x22:\\\x22\\\x22,\\\x22taux5ansIA\\\x22:\\\x22\\\x22,\\\x22taux12moisIA\\\x22:\\\x22\\\x22,\\\x22productConditionName.fr\\\x22:\\\x22Prêt hypothécaire taux fixe\\\x22,\\\x22tac5ans\\\x22:\\\x224,88\\\x22,\\\x22packageName.en\\\x22:\\\x22NBC general offer\\\x22,\\\x22taux2ansF\\\x22:\\\x225.240\\\x22,\\\x22productDomainCd\\\x22:\\\x22LOAN\\\x22,\\\x22productCriteria.AGAMI\\\x22:\\\x22false\\\x22,\\\x22tac5ansQ\\\x22:\\\x224,88\\\x22,\\\x22productConditionId\\\x22:\\\x22PH\u002DTF\\\x22,\\\x22channel.vsd_cons\\\x22:\\\x22false\\\x22,\\\x22productAbbrvName\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22taux4ansIA\\\x22:\\\x22\\\x22,\\\x22taux3ansF\\\x22:\\\x226.050\\\x22,\\\x22channel.s_1859_inv\\\x22:\\\x22false\\\x22,\\\x22puid\\\x22:\\\x22\/content\/productcatalog\/hypotheque\/PH\u002DPRETHYP\/OFFRE\u002DGEN\/PH\u002DTF\\\x22,\\\x22productName.en\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22taux4ansF\\\x22:\\\x225.990\\\x22,\\\x22packageName\\\x22:\\\x22NBC general offer\\\x22,\\\x22productConditionName.en\\\x22:\\\x22Mortgage fixed rate\\\x22,\\\x22productConditionEffctvDt\\\x22:\\\x22Mortgage fixed rate\\\x22,\\\x22taux1anO\\\x22:\\\x229.650\\\x22,\\\x22tauxPromo5ansFQ\\\x22:\\\x224,84\\\x22,\\\x22productCriteria.TERMRANGE\\\x22:\\\x22false\\\x22,\\\x22channel.s_cns_fbn\\\x22:\\\x22false\\\x22,\\\x22taux1moisF\\\x22:\\\x224.450\\\x22,\\\x22taux3ansIA\\\x22:\\\x22\\\x22,\\\x22tauxBase\\\x22:\\\x224.450\\\x22,\\\x22packageId\\\x22:\\\x22OFFRE\u002DGEN\\\x22,\\\x22channel.partnr\\\x22:\\\x22false\\\x22,\\\x22productCriteria.REGPLANTP\\\x22:\\\x22false\\\x22,\\\x22packageName.fr\\\x22:\\\x22Offre BNC générale\\\x22,\\\x22channel.s_cns_1859\\\x22:\\\x22false\\\x22,\\\x22taux5ansF\\\x22:\\\x226.090\\\x22,\\\x22productCriteria.WEBINFOCD\\\x22:\\\x22false\\\x22,\\\x22productCriteria.ADDINVEST\\\x22:\\\x22false\\\x22,\\\x22channel.internet\\\x22:\\\x22true\\\x22,\\\x22taux10ansF\\\x22:\\\x226.800\\\x22,\\\x22productCriteria.IA\\\x22:\\\x22false\\\x22,\\\x22taux6ansF\\\x22:\\\x226.400\\\x22},{\\\x22productName.fr\\\x22:\\\x22Prêt Hypothécaire\\\x22,\\\x22productCriteria.AMTRANGE\\\x22:\\\x22true\\\x22,\\\x22channel.s_1859_pfe\\\x22:\\\x22false\\\x22,\\\x22productAbbrvName.fr\\\x22:\\\x22Prêt Hypothécaire\\\x22,\\\x22productName\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22productCriteria.FNDSERIEF\\\x22:\\\x22false\\\x22,\\\x22productCriteria.FNDSERIEE\\\x22:\\\x22false\\\x22,\\\x22conditionId\\\x22:\\\x22PH\u002DTV\\\x22,\\\x22productCriteria.AMTRANGE.criteriaLowerValue\\\x22:\\\x225000\\\x22,\\\x22productCriteria.CURRENCY\\\x22:\\\x22false\\\x22,\\\x22tauxDateJour\\\x22:\\\x222026\u002D08\u002D24T16:00:22.482\u002D04:00\\\x22,\\\x22productTypeCd\\\x22:\\\x22MORTGLOAN\\\x22,\\\x22productAbbrvName.en\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22productId\\\x22:\\\x22PH\u002DPRETHYP\\\x22,\\\x22channel.mobile\\\x22:\\\x22false\\\x22,\\\x22productCriteria.AMTRANGE.unitOfMsrCd\\\x22:\\\x22AMT\\\x22,\\\x22additionalCharacteristics\\\x22:[],\\\x22tags\\\x22:[],\\\x22productCriteria.MAGFI\\\x22:\\\x22false\\\x22,\\\x22productCriteria.AMTRANGE.lowerComparisonCd\\\x22:\\\x22GE\\\x22,\\\x22productConditionName\\\x22:\\\x22Mortgage variable rate\\\x22,\\\x22channel.vsd_res\\\x22:\\\x22false\\\x22,\\\x22productCriteria.PSYSINVEST\\\x22:\\\x22false\\\x22,\\\x22tauxPromo5ansF\\\x22:\\\x224,10\\\x22,\\\x22channel.sbip\\\x22:\\\x22false\\\x22,\\\x22productCriteria.INTTYPE\\\x22:\\\x22false\\\x22,\\\x22channel.ddh\\\x22:\\\x22false\\\x22,\\\x22ecart\\\x22:\\\x220\\\x22,\\\x22channel.succ\\\x22:\\\x22false\\\x22,\\\x22taux2ansIA\\\x22:\\\x22\\\x22,\\\x22taux5ansIA\\\x22:\\\x22\\\x22,\\\x22taux12moisIA\\\x22:\\\x22\\\x22,\\\x22productConditionName.fr\\\x22:\\\x22Prêt hypothécaire taux variable\\\x22,\\\x22tac5ans\\\x22:\\\x224,14\\\x22,\\\x22packageName.en\\\x22:\\\x22NBC general offer\\\x22,\\\x22productDomainCd\\\x22:\\\x22LOAN\\\x22,\\\x22productCriteria.AGAMI\\\x22:\\\x22false\\\x22,\\\x22tac5ansQ\\\x22:\\\x224,14\\\x22,\\\x22productConditionId\\\x22:\\\x22PH\u002DTV\\\x22,\\\x22channel.vsd_cons\\\x22:\\\x22false\\\x22,\\\x22productAbbrvName\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22taux4ansIA\\\x22:\\\x22\\\x22,\\\x22channel.s_1859_inv\\\x22:\\\x22false\\\x22,\\\x22puid\\\x22:\\\x22\/content\/productcatalog\/hypotheque\/PH\u002DPRETHYP\/OFFRE\u002DGEN\/PH\u002DTV\\\x22,\\\x22productName.en\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22packageName\\\x22:\\\x22NBC general offer\\\x22,\\\x22productConditionName.en\\\x22:\\\x22Mortgage variable rate\\\x22,\\\x22productConditionEffctvDt\\\x22:\\\x22Mortgage variable rate\\\x22,\\\x22tauxPromo5ansFQ\\\x22:\\\x224,10\\\x22,\\\x22productCriteria.TERMRANGE\\\x22:\\\x22false\\\x22,\\\x22channel.s_cns_fbn\\\x22:\\\x22false\\\x22,\\\x22taux5ansO\\\x22:\\\x224.450\\\x22,\\\x22taux3ansIA\\\x22:\\\x22\\\x22,\\\x22tauxBase\\\x22:\\\x220,35\\\x22,\\\x22packageId\\\x22:\\\x22OFFRE\u002DGEN\\\x22,\\\x22channel.partnr\\\x22:\\\x22false\\\x22,\\\x22productCriteria.REGPLANTP\\\x22:\\\x22false\\\x22,\\\x22packageName.fr\\\x22:\\\x22Offre BNC générale\\\x22,\\\x22channel.s_cns_1859\\\x22:\\\x22false\\\x22,\\\x22productCriteria.WEBINFOCD\\\x22:\\\x22false\\\x22,\\\x22productCriteria.ADDINVEST\\\x22:\\\x22false\\\x22,\\\x22channel.internet\\\x22:\\\x22true\\\x22,\\\x22productCriteria.IA\\\x22:\\\x22false\\\x22},{\\\x22productName.fr\\\x22:\\\x22Prêt Hypothécaire\\\x22,\\\x22productCriteria.AMTRANGE\\\x22:\\\x22true\\\x22,\\\x22channel.s_1859_pfe\\\x22:\\\x22false\\\x22,\\\x22productAbbrvName.fr\\\x22:\\\x22Prêt Hypothécaire\\\x22,\\\x22productName\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22productCriteria.FNDSERIEF\\\x22:\\\x22false\\\x22,\\\x22productCriteria.FNDSERIEE\\\x22:\\\x22false\\\x22,\\\x22conditionId\\\x22:\\\x22PH\u002DTV\u002DPL\\\x22,\\\x22productCriteria.AMTRANGE.criteriaLowerValue\\\x22:\\\x225000\\\x22,\\\x22productCriteria.CURRENCY\\\x22:\\\x22false\\\x22,\\\x22tauxDateJour\\\x22:\\\x222026\u002D08\u002D24T16:00:22.482\u002D04:00\\\x22,\\\x22productTypeCd\\\x22:\\\x22MORTGLOAN\\\x22,\\\x22productAbbrvName.en\\\x22:\\\x22Mortgage Solutions\\\x22,\\\x22productId\\\x22:\\\x22PH\u002DPRETHYP\\\x22,\\\x22channel.mobile\\\x22:\\\x22false\\\x22,\\\x22productCriteria.AMTRANGE.unitOfMsrCd\\\x22:\\\x22AMT\\\x22,\\\x22additionalCharacteristics\\\x22:[],\\\x22tags\\\x22:[],\\\x22productCriteria.MAGFI\\\x22:\\\x22false\\\x22,\\\x22productCriteria.AMTRANGE.lowerComparisonCd\\\x22:\\\x22GE\\\x22,\\\x22productConditionName\\\x22:\\\x22Variable capped\u002Drate 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	195	+</h1>
	196	+<p class="chapeau3">See current rates<br>
	197	+</p>
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	221	+
	222	+
	223	+ if(dataLayerViewEventName.trim().length) {
	224	+
	225	+ var obj = {
	226	+ dataLayerViewEventName: dataLayerViewEventName,
	227	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_textandimage" ,
	228	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	229	+ };
	230	+
	231	+ // IE11 trick (because IE11 don't know document.currentScript):
	232	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	233	+ if(document.currentScript){
	234	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	235	+ } else {
	236	+ var scripts = document.getElementsByTagName( 'script' );
	237	+ var currentScript = scripts[scripts.length - 1];
	238	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	239	+ }
	240	+
	241	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	242	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	243	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	244	+
	245	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	246	+
	247	+ }
	248	+
	249	+ })();
	250	+
	251	+ </script>
	252	+
	253	+</div>
	254	+
	255	+ <script>
	256	+
	257	+ /**
	258	+ * clickEventDownloadHandler()
	259	+ * Is used to handle download image action selected as an opening mode
	260	+ *
	261	+ */
	262	+
	263	+ var firstDownload = true;
	264	+
	265	+ function clickEventDownloadHandler() {
	266	+
	267	+ var link = this;
	268	+ var filename = link.dataset.linkpath;
	269	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	270	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	271	+
	272	+ if (newFile) {
	273	+
	274	+ if (firstDownload) {
	275	+ firstDownload = false;
	276	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	277	+ } else {
	278	+ this.href = link.href;
	279	+ }
	280	+
	281	+ this.download = fn;
	282	+
	283	+ } else {
	284	+ this.download = fn + ".html";
	285	+ }
	286	+ }
	287	+
	288	+ </script></div>
	289	+<div class="panelContainer section">
	290	+
	291	+
	292	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	293	+
	294	+
	295	+
	296	+ <div>
	297	+
	298	+<script src="/etc.clientlibs/web-sites/clientlibs/vendor/jquery/jquery-sticky-1-0-4.min.b245ebc9b251955a08c1cf747a222d10.js"></script>
	299	+<script src="/etc.clientlibs/web-sites/clientlibs/core/stickyBehavior.min.81a4b9df09c15476124998587316faed.js"></script>
	300	+<script src="/etc.clientlibs/web-sites-toolkit/core/wcm/components/genericPanel/v1/genericPanel/clientlibs/site.min.8bd3357c8782030bd34e3822ff5765c2.js"></script>
	301	+
	302	+
	303	+
	304	+
	305	+
	306	+
	307	+
	308	+
	309	+
	310	+
	311	+
	312	+
	313	+
	314	+
	315	+
	316	+
	317	+
	318	+
	319	+
	320	+
	321	+
	322	+
	323	+<div class="panelContainer panelContainerStyle2 "
	324	+
	325	+
	326	+ data-websites-component="/components/panelContainer.v1"
	327	+ data-panel-container-lg-mg=""
	328	+ data-panel-container-lg-pd=""
	329	+ data-panel-container-lg-ht=""
	330	+ data-panel-container-md-mg=""
	331	+ data-panel-container-md-pd=""
	332	+ data-panel-container-md-ht=""
	333	+ data-panel-container-sm-mg=""
	334	+ data-panel-container-sm-pd=""
	335	+ data-panel-container-sm-ht=""
	336	+ data-panel-container-xs-mg=""
	337	+ data-panel-container-xs-pd=""
	338	+ data-panel-container-xs-ht=""
	339	+ data-panel-container-limit="">
	340	+ <div class="parsys"><div class="panelContainer section">
	341	+
	342	+
	343	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	344	+
	345	+
	346	+
	347	+ <div>
	348	+
	349	+
	350	+
	351	+
	352	+
	353	+
	354	+
	355	+
	356	+
	357	+
	358	+
	359	+
	360	+
	361	+
	362	+
	363	+
	364	+
	365	+
	366	+
	367	+
	368	+
	369	+
	370	+
	371	+<div class="panelContainer "
	372	+
	373	+
	374	+ data-websites-component="/components/panelContainer.v1"
	375	+ data-panel-container-lg-mg="5% 0 5% 0"
	376	+ data-panel-container-lg-pd=""
	377	+ data-panel-container-lg-ht=""
	378	+ data-panel-container-md-mg="5% 0 5% 0"
	379	+ data-panel-container-md-pd=""
	380	+ data-panel-container-md-ht=""
	381	+ data-panel-container-sm-mg="5% 0 5% 0"
	382	+ data-panel-container-sm-pd=""
	383	+ data-panel-container-sm-ht=""
	384	+ data-panel-container-xs-mg="5% 0 5% 0"
	385	+ data-panel-container-xs-pd=""
	386	+ data-panel-container-xs-ht=""
	387	+ data-panel-container-limit="">
	388	+ <div class="parsys"><div class="panelContainer section">
	389	+
	390	+
	391	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	392	+
	393	+
	394	+
	395	+ <div>
	396	+
	397	+
	398	+
	399	+
	400	+
	401	+
	402	+
	403	+
	404	+
	405	+
	406	+
	407	+
	408	+
	409	+
	410	+
	411	+
	412	+
	413	+
	414	+
	415	+
	416	+
	417	+
	418	+
	419	+<div class="panelContainer background-none "
	420	+
	421	+
	422	+ data-websites-component="/components/panelContainer.v1"
	423	+ data-panel-container-lg-mg="1% 20% 0 0"
	424	+ data-panel-container-lg-pd=""
	425	+ data-panel-container-lg-ht=""
	426	+ data-panel-container-md-mg="1% 20% 0 0"
	427	+ data-panel-container-md-pd=""
	428	+ data-panel-container-md-ht=""
	429	+ data-panel-container-sm-mg="1% 0 0 0"
	430	+ data-panel-container-sm-pd=""
	431	+ data-panel-container-sm-ht=""
	432	+ data-panel-container-xs-mg="1% 0 0 0"
	433	+ data-panel-container-xs-pd=""
	434	+ data-panel-container-xs-ht=""
	435	+ data-panel-container-limit="">
	436	+ <div class="parsys"><div class="textandimage parbase section">
	437	+
	438	+
	439	+
	440	+
	441	+
	442	+
	443	+
	444	+
	445	+
	446	+
	447	+
	448	+
	449	+
	450	+
	451	+
	452	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_1477154735_parsys_textandimage" class="text-image-container at-0155-switch-h2"
	453	+ data-text-image-container-right-left="false">
	454	+
	455	+
	456	+
	457	+
	458	+
	459	+
	460	+
	461	+
	462	+
	463	+ <div class="row text-image-row"
	464	+ data-websites-component="/components/textandimage/rowcontainer"
	465	+
	466	+ data-text-image-rowcontainer-bg-type-lg="none"
	467	+
	468	+
	469	+
	470	+
	471	+
	472	+ data-text-image-rowcontainer-height-lg="0"
	473	+ data-text-image-rowcontainer-width-lg="0"
	474	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	475	+
	476	+ data-text-image-rowcontainer-bg-type-md="none"
	477	+
	478	+
	479	+
	480	+
	481	+
	482	+ data-text-image-rowcontainer-height-md="0"
	483	+ data-text-image-rowcontainer-width-md="0"
	484	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	485	+
	486	+ data-text-image-rowcontainer-bg-type-sm="none"
	487	+
	488	+
	489	+
	490	+
	491	+
	492	+ data-text-image-rowcontainer-height-sm="0"
	493	+ data-text-image-rowcontainer-width-sm="0"
	494	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	495	+
	496	+ data-text-image-rowcontainer-bg-type-xs="none"
	497	+
	498	+
	499	+
	500	+
	501	+
	502	+ data-text-image-rowcontainer-height-xs="0"
	503	+ data-text-image-rowcontainer-width-xs="0"
	504	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	505	+
	506	+ <div class="col-xs-12 text-image-text-container " ><h2 class="h2variant1"><a id="promo"></a>Special offers on certain terms</h2>
	507	+</div>
	508	+ </div>
	509	+
	510	+
	511	+
	512	+
	513	+
	514	+
	515	+
	516	+
	517	+
	518	+
	519	+
	520	+ <script>
	521	+
	522	+ (function(){
	523	+
	524	+ var dataLayerViewEventName = '' \|\| '';
	525	+ var dataLayerViewLayerProperties = [];
	526	+ var $el;
	527	+
	528	+
	529	+
	530	+ if(dataLayerViewEventName.trim().length) {
	531	+
	532	+ var obj = {
	533	+ dataLayerViewEventName: dataLayerViewEventName,
	534	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_1477154735_parsys_textandimage" ,
	535	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	536	+ };
	537	+
	538	+ // IE11 trick (because IE11 don't know document.currentScript):
	539	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	540	+ if(document.currentScript){
	541	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	542	+ } else {
	543	+ var scripts = document.getElementsByTagName( 'script' );
	544	+ var currentScript = scripts[scripts.length - 1];
	545	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	546	+ }
	547	+
	548	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	549	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	550	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	551	+
	552	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	553	+
	554	+ }
	555	+
	556	+ })();
	557	+
	558	+ </script>
	559	+
	560	+</div>
	561	+
	562	+ <script>
	563	+
	564	+ /**
	565	+ * clickEventDownloadHandler()
	566	+ * Is used to handle download image action selected as an opening mode
	567	+ *
	568	+ */
	569	+
	570	+ var firstDownload = true;
	571	+
	572	+ function clickEventDownloadHandler() {
	573	+
	574	+ var link = this;
	575	+ var filename = link.dataset.linkpath;
	576	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	577	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	578	+
	579	+ if (newFile) {
	580	+
	581	+ if (firstDownload) {
	582	+ firstDownload = false;
	583	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	584	+ } else {
	585	+ this.href = link.href;
	586	+ }
	587	+
	588	+ this.download = fn;
	589	+
	590	+ } else {
	591	+ this.download = fn + ".html";
	592	+ }
	593	+ }
	594	+
	595	+ </script></div>
	596	+
	597	+</div>
	598	+
	599	+</div>
	600	+
	601	+
	602	+
	603	+<!--/* Initialize Js */-->
	604	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_1477154735">
	605	+ if(""){
	606	+ new Websites.Sticky({
	607	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_1477154735",
	608	+ breakpoint: {
	609	+ lg: {
	610	+ to: ""
	611	+ },
	612	+ md: {
	613	+ to: ""
	614	+ },
	615	+ sm: {
	616	+ to: "",
	617	+ },
	618	+ xs: {
	619	+ to: ""
	620	+ }
	621	+ }
	622	+ });
	623	+ }
	624	+</script>
	625	+
	626	+</div>
	627	+</div>
	628	+<div class="panelContainer section">
	629	+
	630	+
	631	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	632	+
	633	+
	634	+
	635	+ <div>
	636	+
	637	+
	638	+
	639	+
	640	+
	641	+
	642	+
	643	+
	644	+
	645	+
	646	+
	647	+
	648	+
	649	+
	650	+
	651	+
	652	+
	653	+
	654	+
	655	+
	656	+
	657	+
	658	+
	659	+<div class="panelContainer "
	660	+
	661	+
	662	+ data-websites-component="/components/panelContainer.v1"
	663	+ data-panel-container-lg-mg=""
	664	+ data-panel-container-lg-pd=""
	665	+ data-panel-container-lg-ht=""
	666	+ data-panel-container-md-mg=""
	667	+ data-panel-container-md-pd=""
	668	+ data-panel-container-md-ht=""
	669	+ data-panel-container-sm-mg=""
	670	+ data-panel-container-sm-pd=""
	671	+ data-panel-container-sm-ht=""
	672	+ data-panel-container-xs-mg=""
	673	+ data-panel-container-xs-pd=""
	674	+ data-panel-container-xs-ht=""
	675	+ data-panel-container-limit="">
	676	+ <div class="parsys"><div class="columns parbase section">
	677	+
	678	+
	679	+
	680	+<script src="/etc.clientlibs/web-sites/components/columns/clientlibs/site.min.105741b41766cc59fef14e6b39edcf68.js"></script>
	681	+
	682	+<div data-emptytext="Responsive Columns" class="cq-placeholder"></div>
	683	+
	684	+
	685	+
	686	+
	687	+
	688	+
	689	+
	690	+
	691	+
	692	+
	693	+
	694	+
	695	+
	696	+ <div style=""
	697	+ class="columns-row row row-eq-height"
	698	+
	699	+ data-style-lg="" data-height-lg=""
	700	+ data-width-lg=""
	701	+ data-background-color-lg=""
	702	+ data-background-color-xs="">
	703	+ <div style=""
	704	+ class="col-xs-12 col-sm-12 columns-title "
	705	+ data-height="" data-width=""
	706	+ data-style-xs="" data-height-xs=""
	707	+ data-width-xs="">
	708	+
	709	+ </div>
	710	+
	711	+
	712	+
	713	+
	714	+ <div class="col-xs-12 col-sm-4 column col-first ">
	715	+ <div class="parsys1 parsys"><div class="panelContainer section">
	716	+
	717	+
	718	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	719	+
	720	+
	721	+
	722	+ <div>
	723	+
	724	+
	725	+
	726	+
	727	+
	728	+
	729	+
	730	+
	731	+
	732	+
	733	+
	734	+
	735	+
	736	+
	737	+
	738	+
	739	+
	740	+
	741	+
	742	+
	743	+
	744	+
	745	+
	746	+<div class="panelContainer panel-border panel-border-radius "
	747	+
	748	+
	749	+ data-websites-component="/components/panelContainer.v1"
	750	+ data-panel-container-lg-mg=""
	751	+ data-panel-container-lg-pd="20px"
	752	+ data-panel-container-lg-ht=""
	753	+ data-panel-container-md-mg=""
	754	+ data-panel-container-md-pd="20px"
	755	+ data-panel-container-md-ht=""
	756	+ data-panel-container-sm-mg=""
	757	+ data-panel-container-sm-pd="20px"
	758	+ data-panel-container-sm-ht=""
	759	+ data-panel-container-xs-mg="20px 0 0 0"
	760	+ data-panel-container-xs-pd="20px"
	761	+ data-panel-container-xs-ht=""
	762	+ data-panel-container-limit="">
	763	+ <div class="parsys"><div class="panelContainer section">
	764	+
	765	+
	766	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	767	+
	768	+
	769	+
	770	+ <div>
	771	+
	772	+
	773	+
	774	+
	775	+
	776	+
	777	+
	778	+
	779	+
	780	+
	781	+
	782	+
	783	+
	784	+
	785	+
	786	+
	787	+
	788	+
	789	+
	790	+
	791	+
	792	+
	793	+
	794	+<div class="panelContainer background-tertiary-pinkPastel "
	795	+
	796	+
	797	+ data-websites-component="/components/panelContainer.v1"
	798	+ data-panel-container-lg-mg="0 30%"
	799	+ data-panel-container-lg-pd="10px 0 0 0"
	800	+ data-panel-container-lg-ht=""
	801	+ data-panel-container-md-mg="0 20%"
	802	+ data-panel-container-md-pd="10px 0 0 0"
	803	+ data-panel-container-md-ht=""
	804	+ data-panel-container-sm-mg=""
	805	+ data-panel-container-sm-pd="10px 0 0 0"
	806	+ data-panel-container-sm-ht=""
	807	+ data-panel-container-xs-mg="0 30%"
	808	+ data-panel-container-xs-pd="10px 0 0 0"
	809	+ data-panel-container-xs-ht=""
	810	+ data-panel-container-limit="">
	811	+ <div class="parsys"><div class="textandimage parbase section">
	812	+
	813	+
	814	+
	815	+
	816	+
	817	+
	818	+
	819	+
	820	+
	821	+
	822	+
	823	+
	824	+
	825	+
	826	+
	827	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys1_panelcontainer_copy_parsys_panelcontainer_1939379463_parsys_textandimage" class="text-image-container "
	828	+ data-text-image-container-right-left="false">
	829	+
	830	+
	831	+
	832	+
	833	+
	834	+
	835	+
	836	+
	837	+
	838	+ <div class="row text-image-row"
	839	+ data-websites-component="/components/textandimage/rowcontainer"
	840	+
	841	+ data-text-image-rowcontainer-bg-type-lg="none"
	842	+
	843	+
	844	+
	845	+
	846	+
	847	+ data-text-image-rowcontainer-height-lg="0"
	848	+ data-text-image-rowcontainer-width-lg="0"
	849	+ data-text-image-rowcontainer-class-lg="backgroundColor72BFC1--80"
	850	+
	851	+ data-text-image-rowcontainer-bg-type-md="none"
	852	+
	853	+
	854	+
	855	+
	856	+
	857	+ data-text-image-rowcontainer-height-md="0"
	858	+ data-text-image-rowcontainer-width-md="0"
	859	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	860	+
	861	+ data-text-image-rowcontainer-bg-type-sm="none"
	862	+
	863	+
	864	+
	865	+
	866	+
	867	+ data-text-image-rowcontainer-height-sm="0"
	868	+ data-text-image-rowcontainer-width-sm="0"
	869	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	870	+
	871	+ data-text-image-rowcontainer-bg-type-xs="none"
	872	+
	873	+
	874	+
	875	+
	876	+
	877	+ data-text-image-rowcontainer-height-xs="0"
	878	+ data-text-image-rowcontainer-width-xs="0"
	879	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	880	+
	881	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><b>PROMOTION</b></p>
	882	+</div>
	883	+ </div>
	884	+
	885	+
	886	+
	887	+
	888	+
	889	+
	890	+
	891	+
	892	+
	893	+
	894	+
	895	+ <script>
	896	+
	897	+ (function(){
	898	+
	899	+ var dataLayerViewEventName = '' \|\| '';
	900	+ var dataLayerViewLayerProperties = [];
	901	+ var $el;
	902	+
	903	+
	904	+
	905	+ if(dataLayerViewEventName.trim().length) {
	906	+
	907	+ var obj = {
	908	+ dataLayerViewEventName: dataLayerViewEventName,
	909	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys1_panelcontainer_copy_parsys_panelcontainer_1939379463_parsys_textandimage" ,
	910	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	911	+ };
	912	+
	913	+ // IE11 trick (because IE11 don't know document.currentScript):
	914	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	915	+ if(document.currentScript){
	916	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	917	+ } else {
	918	+ var scripts = document.getElementsByTagName( 'script' );
	919	+ var currentScript = scripts[scripts.length - 1];
	920	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	921	+ }
	922	+
	923	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	924	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	925	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	926	+
	927	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	928	+
	929	+ }
	930	+
	931	+ })();
	932	+
	933	+ </script>
	934	+
	935	+</div>
	936	+
	937	+ <script>
	938	+
	939	+ /**
	940	+ * clickEventDownloadHandler()
	941	+ * Is used to handle download image action selected as an opening mode
	942	+ *
	943	+ */
	944	+
	945	+ var firstDownload = true;
	946	+
	947	+ function clickEventDownloadHandler() {
	948	+
	949	+ var link = this;
	950	+ var filename = link.dataset.linkpath;
	951	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	952	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	953	+
	954	+ if (newFile) {
	955	+
	956	+ if (firstDownload) {
	957	+ firstDownload = false;
	958	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	959	+ } else {
	960	+ this.href = link.href;
	961	+ }
	962	+
	963	+ this.download = fn;
	964	+
	965	+ } else {
	966	+ this.download = fn + ".html";
	967	+ }
	968	+ }
	969	+
	970	+ </script></div>
	971	+
	972	+</div>
	973	+
	974	+</div>
	975	+
	976	+
	977	+
	978	+<!--/* Initialize Js */-->
	979	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys1/panelcontainer_copy/parsys/panelcontainer_1939379463">
	980	+ if(""){
	981	+ new Websites.Sticky({
	982	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys1/panelcontainer_copy/parsys/panelcontainer_1939379463",
	983	+ breakpoint: {
	984	+ lg: {
	985	+ to: "none"
	986	+ },
	987	+ md: {
	988	+ to: "none"
	989	+ },
	990	+ sm: {
	991	+ to: "none",
	992	+ },
	993	+ xs: {
	994	+ to: "none"
	995	+ }
	996	+ }
	997	+ });
	998	+ }
	999	+</script>
	1000	+
	1001	+</div>
	1002	+</div>
	1003	+<div class="panelContainer section">
	1004	+
	1005	+
	1006	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	1007	+
	1008	+
	1009	+
	1010	+ <div>
	1011	+
	1012	+
	1013	+
	1014	+
	1015	+
	1016	+
	1017	+
	1018	+
	1019	+
	1020	+
	1021	+
	1022	+
	1023	+
	1024	+
	1025	+
	1026	+
	1027	+
	1028	+
	1029	+
	1030	+
	1031	+
	1032	+
	1033	+
	1034	+<div class="panelContainer "
	1035	+
	1036	+
	1037	+ data-websites-component="/components/panelContainer.v1"
	1038	+ data-panel-container-lg-mg="20px"
	1039	+ data-panel-container-lg-pd=""
	1040	+ data-panel-container-lg-ht=""
	1041	+ data-panel-container-md-mg="20px 0 0 0"
	1042	+ data-panel-container-md-pd=""
	1043	+ data-panel-container-md-ht=""
	1044	+ data-panel-container-sm-mg="20px 0 0 0"
	1045	+ data-panel-container-sm-pd=""
	1046	+ data-panel-container-sm-ht=""
	1047	+ data-panel-container-xs-mg="20px 0 0 0"
	1048	+ data-panel-container-xs-pd=""
	1049	+ data-panel-container-xs-ht=""
	1050	+ data-panel-container-limit="">
	1051	+ <div class="parsys"><div class="textandimage parbase section">
	1052	+
	1053	+
	1054	+
	1055	+
	1056	+
	1057	+
	1058	+
	1059	+
	1060	+
	1061	+
	1062	+
	1063	+
	1064	+
	1065	+
	1066	+
	1067	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys1_panelcontainer_copy_parsys_panelcontainer_parsys_textandimage" class="text-image-container "
	1068	+ data-text-image-container-right-left="false">
	1069	+
	1070	+
	1071	+
	1072	+
	1073	+
	1074	+
	1075	+
	1076	+
	1077	+
	1078	+ <div class="row text-image-row"
	1079	+ data-websites-component="/components/textandimage/rowcontainer"
	1080	+
	1081	+ data-text-image-rowcontainer-bg-type-lg=""
	1082	+
	1083	+
	1084	+
	1085	+
	1086	+
	1087	+ data-text-image-rowcontainer-height-lg="0"
	1088	+ data-text-image-rowcontainer-width-lg="0"
	1089	+ data-text-image-rowcontainer-class-lg=""
	1090	+
	1091	+ data-text-image-rowcontainer-bg-type-md=""
	1092	+
	1093	+
	1094	+
	1095	+
	1096	+
	1097	+ data-text-image-rowcontainer-height-md="0"
	1098	+ data-text-image-rowcontainer-width-md="0"
	1099	+ data-text-image-rowcontainer-class-md=""
	1100	+
	1101	+ data-text-image-rowcontainer-bg-type-sm=""
	1102	+
	1103	+
	1104	+
	1105	+
	1106	+
	1107	+ data-text-image-rowcontainer-height-sm="0"
	1108	+ data-text-image-rowcontainer-width-sm="0"
	1109	+ data-text-image-rowcontainer-class-sm=""
	1110	+
	1111	+ data-text-image-rowcontainer-bg-type-xs=""
	1112	+
	1113	+
	1114	+
	1115	+
	1116	+
	1117	+ data-text-image-rowcontainer-height-xs="0"
	1118	+ data-text-image-rowcontainer-width-xs="0"
	1119	+ data-text-image-rowcontainer-class-xs="">
	1120	+
	1121	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><b>5 year</b> fixed high ratio rate<sup><a hrefnoextension="false" href="#notes-item-30819b1e37" target="_self">1</a></sup></p>
	1122	+<p class="chapeau3" style="text-align: center;">4.69%</p>
	1123	+</div>
	1124	+ </div>
	1125	+
	1126	+
	1127	+
	1128	+
	1129	+
	1130	+
	1131	+
	1132	+
	1133	+
	1134	+
	1135	+
	1136	+ <script>
	1137	+
	1138	+ (function(){
	1139	+
	1140	+ var dataLayerViewEventName = '' \|\| '';
	1141	+ var dataLayerViewLayerProperties = [];
	1142	+ var $el;
	1143	+
	1144	+
	1145	+
	1146	+ if(dataLayerViewEventName.trim().length) {
	1147	+
	1148	+ var obj = {
	1149	+ dataLayerViewEventName: dataLayerViewEventName,
	1150	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys1_panelcontainer_copy_parsys_panelcontainer_parsys_textandimage" ,
	1151	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	1152	+ };
	1153	+
	1154	+ // IE11 trick (because IE11 don't know document.currentScript):
	1155	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	1156	+ if(document.currentScript){
	1157	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	1158	+ } else {
	1159	+ var scripts = document.getElementsByTagName( 'script' );
	1160	+ var currentScript = scripts[scripts.length - 1];
	1161	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	1162	+ }
	1163	+
	1164	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	1165	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	1166	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	1167	+
	1168	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	1169	+
	1170	+ }
	1171	+
	1172	+ })();
	1173	+
	1174	+ </script>
	1175	+
	1176	+</div>
	1177	+
	1178	+ <script>
	1179	+
	1180	+ /**
	1181	+ * clickEventDownloadHandler()
	1182	+ * Is used to handle download image action selected as an opening mode
	1183	+ *
	1184	+ */
	1185	+
	1186	+ var firstDownload = true;
	1187	+
	1188	+ function clickEventDownloadHandler() {
	1189	+
	1190	+ var link = this;
	1191	+ var filename = link.dataset.linkpath;
	1192	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	1193	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	1194	+
	1195	+ if (newFile) {
	1196	+
	1197	+ if (firstDownload) {
	1198	+ firstDownload = false;
	1199	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	1200	+ } else {
	1201	+ this.href = link.href;
	1202	+ }
	1203	+
	1204	+ this.download = fn;
	1205	+
	1206	+ } else {
	1207	+ this.download = fn + ".html";
	1208	+ }
	1209	+ }
	1210	+
	1211	+ </script></div>
	1212	+
	1213	+</div>
	1214	+
	1215	+</div>
	1216	+
	1217	+
	1218	+
	1219	+<!--/* Initialize Js */-->
	1220	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys1/panelcontainer_copy/parsys/panelcontainer">
	1221	+ if(""){
	1222	+ new Websites.Sticky({
	1223	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys1/panelcontainer_copy/parsys/panelcontainer",
	1224	+ breakpoint: {
	1225	+ lg: {
	1226	+ to: "none"
	1227	+ },
	1228	+ md: {
	1229	+ to: "none"
	1230	+ },
	1231	+ sm: {
	1232	+ to: "none",
	1233	+ },
	1234	+ xs: {
	1235	+ to: "none"
	1236	+ }
	1237	+ }
	1238	+ });
	1239	+ }
	1240	+</script>
	1241	+
	1242	+</div>
	1243	+</div>
	1244	+<div class="separator section">
	1245	+
	1246	+
	1247	+<link rel="stylesheet" href="/etc.clientlibs/web-sites-toolkit/components/content/separator/clientlibs/site.min.ed03f48a059181c11364a01ab436d822.css" type="text/css">
	1248	+
	1249	+
	1250	+
	1251	+
	1252	+<div id="separator-20d8a56044" class="cmp-separator">
	1253	+ <hr class="cmp-separator__horizontal-rule"/>
	1254	+</div></div>
	1255	+<div class="panelContainer section">
	1256	+
	1257	+
	1258	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	1259	+
	1260	+
	1261	+
	1262	+ <div>
	1263	+
	1264	+
	1265	+
	1266	+
	1267	+
	1268	+
	1269	+
	1270	+
	1271	+
	1272	+
	1273	+
	1274	+
	1275	+
	1276	+
	1277	+
	1278	+
	1279	+
	1280	+
	1281	+
	1282	+
	1283	+
	1284	+
	1285	+
	1286	+<div class="panelContainer "
	1287	+
	1288	+
	1289	+ data-websites-component="/components/panelContainer.v1"
	1290	+ data-panel-container-lg-mg="20px"
	1291	+ data-panel-container-lg-pd=""
	1292	+ data-panel-container-lg-ht=""
	1293	+ data-panel-container-md-mg="20px 0 0 0"
	1294	+ data-panel-container-md-pd=""
	1295	+ data-panel-container-md-ht=""
	1296	+ data-panel-container-sm-mg="20px 0 0 0"
	1297	+ data-panel-container-sm-pd=""
	1298	+ data-panel-container-sm-ht=""
	1299	+ data-panel-container-xs-mg="20px 0 0 0"
	1300	+ data-panel-container-xs-pd=""
	1301	+ data-panel-container-xs-ht=""
	1302	+ data-panel-container-limit="">
	1303	+ <div class="parsys"><div class="textandimage parbase section">
	1304	+
	1305	+
	1306	+
	1307	+
	1308	+
	1309	+
	1310	+
	1311	+
	1312	+
	1313	+
	1314	+
	1315	+
	1316	+
	1317	+
	1318	+
	1319	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys1_panelcontainer_copy_parsys_panelcontainer_1021323156_parsys_textandimage" class="text-image-container "
	1320	+ data-text-image-container-right-left="false">
	1321	+
	1322	+
	1323	+
	1324	+
	1325	+
	1326	+
	1327	+
	1328	+
	1329	+
	1330	+ <div class="row text-image-row"
	1331	+ data-websites-component="/components/textandimage/rowcontainer"
	1332	+
	1333	+ data-text-image-rowcontainer-bg-type-lg=""
	1334	+
	1335	+
	1336	+
	1337	+
	1338	+
	1339	+ data-text-image-rowcontainer-height-lg="0"
	1340	+ data-text-image-rowcontainer-width-lg="0"
	1341	+ data-text-image-rowcontainer-class-lg=""
	1342	+
	1343	+ data-text-image-rowcontainer-bg-type-md=""
	1344	+
	1345	+
	1346	+
	1347	+
	1348	+
	1349	+ data-text-image-rowcontainer-height-md="0"
	1350	+ data-text-image-rowcontainer-width-md="0"
	1351	+ data-text-image-rowcontainer-class-md=""
	1352	+
	1353	+ data-text-image-rowcontainer-bg-type-sm=""
	1354	+
	1355	+
	1356	+
	1357	+
	1358	+
	1359	+ data-text-image-rowcontainer-height-sm="0"
	1360	+ data-text-image-rowcontainer-width-sm="0"
	1361	+ data-text-image-rowcontainer-class-sm=""
	1362	+
	1363	+ data-text-image-rowcontainer-bg-type-xs=""
	1364	+
	1365	+
	1366	+
	1367	+
	1368	+
	1369	+ data-text-image-rowcontainer-height-xs="0"
	1370	+ data-text-image-rowcontainer-width-xs="0"
	1371	+ data-text-image-rowcontainer-class-xs="">
	1372	+
	1373	+ <div class="col-xs-12 text-image-text-container " ><p class="chapeau3" style="text-align: center;">4.73%<a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">**</a></p>
	1374	+<p style="text-align: center;">APR<sup><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">2</a></sup></p>
	1375	+</div>
	1376	+ </div>
	1377	+
	1378	+
	1379	+
	1380	+
	1381	+
	1382	+
	1383	+
	1384	+
	1385	+
	1386	+
	1387	+
	1388	+ <script>
	1389	+
	1390	+ (function(){
	1391	+
	1392	+ var dataLayerViewEventName = '' \|\| '';
	1393	+ var dataLayerViewLayerProperties = [];
	1394	+ var $el;
	1395	+
	1396	+
	1397	+
	1398	+ if(dataLayerViewEventName.trim().length) {
	1399	+
	1400	+ var obj = {
	1401	+ dataLayerViewEventName: dataLayerViewEventName,
	1402	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys1_panelcontainer_copy_parsys_panelcontainer_1021323156_parsys_textandimage" ,
	1403	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	1404	+ };
	1405	+
	1406	+ // IE11 trick (because IE11 don't know document.currentScript):
	1407	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	1408	+ if(document.currentScript){
	1409	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	1410	+ } else {
	1411	+ var scripts = document.getElementsByTagName( 'script' );
	1412	+ var currentScript = scripts[scripts.length - 1];
	1413	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	1414	+ }
	1415	+
	1416	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	1417	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	1418	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	1419	+
	1420	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	1421	+
	1422	+ }
	1423	+
	1424	+ })();
	1425	+
	1426	+ </script>
	1427	+
	1428	+</div>
	1429	+
	1430	+ <script>
	1431	+
	1432	+ /**
	1433	+ * clickEventDownloadHandler()
	1434	+ * Is used to handle download image action selected as an opening mode
	1435	+ *
	1436	+ */
	1437	+
	1438	+ var firstDownload = true;
	1439	+
	1440	+ function clickEventDownloadHandler() {
	1441	+
	1442	+ var link = this;
	1443	+ var filename = link.dataset.linkpath;
	1444	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	1445	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	1446	+
	1447	+ if (newFile) {
	1448	+
	1449	+ if (firstDownload) {
	1450	+ firstDownload = false;
	1451	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	1452	+ } else {
	1453	+ this.href = link.href;
	1454	+ }
	1455	+
	1456	+ this.download = fn;
	1457	+
	1458	+ } else {
	1459	+ this.download = fn + ".html";
	1460	+ }
	1461	+ }
	1462	+
	1463	+ </script></div>
	1464	+
	1465	+</div>
	1466	+
	1467	+</div>
	1468	+
	1469	+
	1470	+
	1471	+<!--/* Initialize Js */-->
	1472	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys1/panelcontainer_copy/parsys/panelcontainer_1021323156">
	1473	+ if(""){
	1474	+ new Websites.Sticky({
	1475	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys1/panelcontainer_copy/parsys/panelcontainer_1021323156",
	1476	+ breakpoint: {
	1477	+ lg: {
	1478	+ to: "none"
	1479	+ },
	1480	+ md: {
	1481	+ to: "none"
	1482	+ },
	1483	+ sm: {
	1484	+ to: "none",
	1485	+ },
	1486	+ xs: {
	1487	+ to: "none"
	1488	+ }
	1489	+ }
	1490	+ });
	1491	+ }
	1492	+</script>
	1493	+
	1494	+</div>
	1495	+</div>
	1496	+
	1497	+</div>
	1498	+
	1499	+</div>
	1500	+
	1501	+
	1502	+
	1503	+<!--/* Initialize Js */-->
	1504	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys1/panelcontainer_copy">
	1505	+ if(""){
	1506	+ new Websites.Sticky({
	1507	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys1/panelcontainer_copy",
	1508	+ breakpoint: {
	1509	+ lg: {
	1510	+ to: "none"
	1511	+ },
	1512	+ md: {
	1513	+ to: "none"
	1514	+ },
	1515	+ sm: {
	1516	+ to: "none",
	1517	+ },
	1518	+ xs: {
	1519	+ to: "none"
	1520	+ }
	1521	+ }
	1522	+ });
	1523	+ }
	1524	+</script>
	1525	+
	1526	+</div>
	1527	+</div>
	1528	+
	1529	+</div>
	1530	+
	1531	+ </div>
	1532	+
	1533	+ <div class="col-xs-12 col-sm-4 column ">
	1534	+ <div class="parsys2 parsys"><div class="panelContainer section">
	1535	+
	1536	+
	1537	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	1538	+
	1539	+
	1540	+
	1541	+ <div>
	1542	+
	1543	+
	1544	+
	1545	+
	1546	+
	1547	+
	1548	+
	1549	+
	1550	+
	1551	+
	1552	+
	1553	+
	1554	+
	1555	+
	1556	+
	1557	+
	1558	+
	1559	+
	1560	+
	1561	+
	1562	+
	1563	+
	1564	+
	1565	+<div class="panelContainer panel-border panel-border-radius "
	1566	+
	1567	+
	1568	+ data-websites-component="/components/panelContainer.v1"
	1569	+ data-panel-container-lg-mg="0 10px"
	1570	+ data-panel-container-lg-pd="20px"
	1571	+ data-panel-container-lg-ht=""
	1572	+ data-panel-container-md-mg="0 10px"
	1573	+ data-panel-container-md-pd="20px"
	1574	+ data-panel-container-md-ht=""
	1575	+ data-panel-container-sm-mg="0 10px"
	1576	+ data-panel-container-sm-pd="20px"
	1577	+ data-panel-container-sm-ht=""
	1578	+ data-panel-container-xs-mg="20px 0 0 0"
	1579	+ data-panel-container-xs-pd="20px"
	1580	+ data-panel-container-xs-ht=""
	1581	+ data-panel-container-limit="">
	1582	+ <div class="parsys"><div class="panelContainer section">
	1583	+
	1584	+
	1585	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	1586	+
	1587	+
	1588	+
	1589	+ <div>
	1590	+
	1591	+
	1592	+
	1593	+
	1594	+
	1595	+
	1596	+
	1597	+
	1598	+
	1599	+
	1600	+
	1601	+
	1602	+
	1603	+
	1604	+
	1605	+
	1606	+
	1607	+
	1608	+
	1609	+
	1610	+
	1611	+
	1612	+
	1613	+<div class="panelContainer background-tertiary-pinkPastel "
	1614	+
	1615	+
	1616	+ data-websites-component="/components/panelContainer.v1"
	1617	+ data-panel-container-lg-mg="0 30%"
	1618	+ data-panel-container-lg-pd="10px 0 0 0"
	1619	+ data-panel-container-lg-ht=""
	1620	+ data-panel-container-md-mg="0 20%"
	1621	+ data-panel-container-md-pd="10px 0 0 0"
	1622	+ data-panel-container-md-ht=""
	1623	+ data-panel-container-sm-mg=""
	1624	+ data-panel-container-sm-pd="10px 0 0 0"
	1625	+ data-panel-container-sm-ht=""
	1626	+ data-panel-container-xs-mg="0 30%"
	1627	+ data-panel-container-xs-pd="10px 0 0 0"
	1628	+ data-panel-container-xs-ht=""
	1629	+ data-panel-container-limit="">
	1630	+ <div class="parsys"><div class="textandimage parbase section">
	1631	+
	1632	+
	1633	+
	1634	+
	1635	+
	1636	+
	1637	+
	1638	+
	1639	+
	1640	+
	1641	+
	1642	+
	1643	+
	1644	+
	1645	+
	1646	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys2_panelcontainer_copy__parsys_panelcontainer_1939379463_parsys_textandimage" class="text-image-container "
	1647	+ data-text-image-container-right-left="false">
	1648	+
	1649	+
	1650	+
	1651	+
	1652	+
	1653	+
	1654	+
	1655	+
	1656	+
	1657	+ <div class="row text-image-row"
	1658	+ data-websites-component="/components/textandimage/rowcontainer"
	1659	+
	1660	+ data-text-image-rowcontainer-bg-type-lg="none"
	1661	+
	1662	+
	1663	+
	1664	+
	1665	+
	1666	+ data-text-image-rowcontainer-height-lg="0"
	1667	+ data-text-image-rowcontainer-width-lg="0"
	1668	+ data-text-image-rowcontainer-class-lg="backgroundColor72BFC1--80"
	1669	+
	1670	+ data-text-image-rowcontainer-bg-type-md="none"
	1671	+
	1672	+
	1673	+
	1674	+
	1675	+
	1676	+ data-text-image-rowcontainer-height-md="0"
	1677	+ data-text-image-rowcontainer-width-md="0"
	1678	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	1679	+
	1680	+ data-text-image-rowcontainer-bg-type-sm="none"
	1681	+
	1682	+
	1683	+
	1684	+
	1685	+
	1686	+ data-text-image-rowcontainer-height-sm="0"
	1687	+ data-text-image-rowcontainer-width-sm="0"
	1688	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	1689	+
	1690	+ data-text-image-rowcontainer-bg-type-xs="none"
	1691	+
	1692	+
	1693	+
	1694	+
	1695	+
	1696	+ data-text-image-rowcontainer-height-xs="0"
	1697	+ data-text-image-rowcontainer-width-xs="0"
	1698	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	1699	+
	1700	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><b>PROMOTION</b></p>
	1701	+</div>
	1702	+ </div>
	1703	+
	1704	+
	1705	+
	1706	+
	1707	+
	1708	+
	1709	+
	1710	+
	1711	+
	1712	+
	1713	+
	1714	+ <script>
	1715	+
	1716	+ (function(){
	1717	+
	1718	+ var dataLayerViewEventName = '' \|\| '';
	1719	+ var dataLayerViewLayerProperties = [];
	1720	+ var $el;
	1721	+
	1722	+
	1723	+
	1724	+ if(dataLayerViewEventName.trim().length) {
	1725	+
	1726	+ var obj = {
	1727	+ dataLayerViewEventName: dataLayerViewEventName,
	1728	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys2_panelcontainer_copy__parsys_panelcontainer_1939379463_parsys_textandimage" ,
	1729	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	1730	+ };
	1731	+
	1732	+ // IE11 trick (because IE11 don't know document.currentScript):
	1733	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	1734	+ if(document.currentScript){
	1735	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	1736	+ } else {
	1737	+ var scripts = document.getElementsByTagName( 'script' );
	1738	+ var currentScript = scripts[scripts.length - 1];
	1739	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	1740	+ }
	1741	+
	1742	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	1743	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	1744	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	1745	+
	1746	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	1747	+
	1748	+ }
	1749	+
	1750	+ })();
	1751	+
	1752	+ </script>
	1753	+
	1754	+</div>
	1755	+
	1756	+ <script>
	1757	+
	1758	+ /**
	1759	+ * clickEventDownloadHandler()
	1760	+ * Is used to handle download image action selected as an opening mode
	1761	+ *
	1762	+ */
	1763	+
	1764	+ var firstDownload = true;
	1765	+
	1766	+ function clickEventDownloadHandler() {
	1767	+
	1768	+ var link = this;
	1769	+ var filename = link.dataset.linkpath;
	1770	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	1771	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	1772	+
	1773	+ if (newFile) {
	1774	+
	1775	+ if (firstDownload) {
	1776	+ firstDownload = false;
	1777	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	1778	+ } else {
	1779	+ this.href = link.href;
	1780	+ }
	1781	+
	1782	+ this.download = fn;
	1783	+
	1784	+ } else {
	1785	+ this.download = fn + ".html";
	1786	+ }
	1787	+ }
	1788	+
	1789	+ </script></div>
	1790	+
	1791	+</div>
	1792	+
	1793	+</div>
	1794	+
	1795	+
	1796	+
	1797	+<!--/* Initialize Js */-->
	1798	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys2/panelcontainer_copy_/parsys/panelcontainer_1939379463">
	1799	+ if(""){
	1800	+ new Websites.Sticky({
	1801	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys2/panelcontainer_copy_/parsys/panelcontainer_1939379463",
	1802	+ breakpoint: {
	1803	+ lg: {
	1804	+ to: "none"
	1805	+ },
	1806	+ md: {
	1807	+ to: "none"
	1808	+ },
	1809	+ sm: {
	1810	+ to: "none",
	1811	+ },
	1812	+ xs: {
	1813	+ to: "none"
	1814	+ }
	1815	+ }
	1816	+ });
	1817	+ }
	1818	+</script>
	1819	+
	1820	+</div>
	1821	+</div>
	1822	+<div class="panelContainer section">
	1823	+
	1824	+
	1825	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	1826	+
	1827	+
	1828	+
	1829	+ <div>
	1830	+
	1831	+
	1832	+
	1833	+
	1834	+
	1835	+
	1836	+
	1837	+
	1838	+
	1839	+
	1840	+
	1841	+
	1842	+
	1843	+
	1844	+
	1845	+
	1846	+
	1847	+
	1848	+
	1849	+
	1850	+
	1851	+
	1852	+
	1853	+<div class="panelContainer "
	1854	+
	1855	+
	1856	+ data-websites-component="/components/panelContainer.v1"
	1857	+ data-panel-container-lg-mg="20px"
	1858	+ data-panel-container-lg-pd=""
	1859	+ data-panel-container-lg-ht=""
	1860	+ data-panel-container-md-mg="20px 0 0 0"
	1861	+ data-panel-container-md-pd=""
	1862	+ data-panel-container-md-ht=""
	1863	+ data-panel-container-sm-mg="20px 0 0 0"
	1864	+ data-panel-container-sm-pd=""
	1865	+ data-panel-container-sm-ht=""
	1866	+ data-panel-container-xs-mg="20px 0 0 0"
	1867	+ data-panel-container-xs-pd=""
	1868	+ data-panel-container-xs-ht=""
	1869	+ data-panel-container-limit="">
	1870	+ <div class="parsys"><div class="textandimage parbase section">
	1871	+
	1872	+
	1873	+
	1874	+
	1875	+
	1876	+
	1877	+
	1878	+
	1879	+
	1880	+
	1881	+
	1882	+
	1883	+
	1884	+
	1885	+
	1886	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys2_panelcontainer_copy__parsys_panelcontainer_parsys_textandimage" class="text-image-container "
	1887	+ data-text-image-container-right-left="false">
	1888	+
	1889	+
	1890	+
	1891	+
	1892	+
	1893	+
	1894	+
	1895	+
	1896	+
	1897	+ <div class="row text-image-row"
	1898	+ data-websites-component="/components/textandimage/rowcontainer"
	1899	+
	1900	+ data-text-image-rowcontainer-bg-type-lg=""
	1901	+
	1902	+
	1903	+
	1904	+
	1905	+
	1906	+ data-text-image-rowcontainer-height-lg="0"
	1907	+ data-text-image-rowcontainer-width-lg="0"
	1908	+ data-text-image-rowcontainer-class-lg=""
	1909	+
	1910	+ data-text-image-rowcontainer-bg-type-md=""
	1911	+
	1912	+
	1913	+
	1914	+
	1915	+
	1916	+ data-text-image-rowcontainer-height-md="0"
	1917	+ data-text-image-rowcontainer-width-md="0"
	1918	+ data-text-image-rowcontainer-class-md=""
	1919	+
	1920	+ data-text-image-rowcontainer-bg-type-sm=""
	1921	+
	1922	+
	1923	+
	1924	+
	1925	+
	1926	+ data-text-image-rowcontainer-height-sm="0"
	1927	+ data-text-image-rowcontainer-width-sm="0"
	1928	+ data-text-image-rowcontainer-class-sm=""
	1929	+
	1930	+ data-text-image-rowcontainer-bg-type-xs=""
	1931	+
	1932	+
	1933	+
	1934	+
	1935	+
	1936	+ data-text-image-rowcontainer-height-xs="0"
	1937	+ data-text-image-rowcontainer-width-xs="0"
	1938	+ data-text-image-rowcontainer-class-xs="">
	1939	+
	1940	+ <div class="col-xs-12 text-image-text-container
	1941	+ initializing" ><p style="text-align: center;"><b>5 year</b> fixed rate<sup><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">1</a></sup></p>
	1942	+<p class="chapeau3" style="text-align: center;"><span static-token='tauxPromo5ansF\|percent:"true"'>${p1.tauxPromo5ansF\|percent:"true"}</span><br>
	1943	+</p></div>
	1944	+ </div>
	1945	+
	1946	+
	1947	+
	1948	+
	1949	+
	1950	+
	1951	+
	1952	+
	1953	+
	1954	+
	1955	+
	1956	+
	1957	+ <script>
	1958	+ (function(){
	1959	+ var $el;
	1960	+ var listeners = [];
	1961	+ var dataLayerViewEventName = '';
	1962	+ var dataLayerViewLayerProperties = [];
	1963	+
	1964	+ dataLayerViewEventName = '';
	1965	+
	1966	+
	1967	+
	1968	+
	1969	+
	1970	+ // IE11 trick (because IE11 don't know document.currentScript):
	1971	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	1972	+ if(document.currentScript){
	1973	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	1974	+ } else {
	1975	+ var scripts = document.getElementsByTagName( 'script' );
	1976	+ var currentScript = scripts[scripts.length - 1];
	1977	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	1978	+ }
	1979	+
	1980	+ Websites.Product.Core.initContentQueue.push(function () {
	1981	+ Websites.Product.TextContent.initTextContent({
	1982	+ $el: $el,
	1983	+ capsuleAlias: "",
	1984	+ listeners: listeners,
	1985	+ products: Websites.Product.Core.determineProductsArray(""),
	1986	+ dataLayerViewEvent: {
	1987	+ dataLayerViewEventName: dataLayerViewEventName,
	1988	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys2_panelcontainer_copy__parsys_panelcontainer_parsys_textandimage" ,
	1989	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	1990	+ }
	1991	+ });
	1992	+ });
	1993	+ })();
	1994	+
	1995	+ </script>
	1996	+
	1997	+
	1998	+
	1999	+
	2000	+
	2001	+</div>
	2002	+
	2003	+ <script>
	2004	+
	2005	+ /**
	2006	+ * clickEventDownloadHandler()
	2007	+ * Is used to handle download image action selected as an opening mode
	2008	+ *
	2009	+ */
	2010	+
	2011	+ var firstDownload = true;
	2012	+
	2013	+ function clickEventDownloadHandler() {
	2014	+
	2015	+ var link = this;
	2016	+ var filename = link.dataset.linkpath;
	2017	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	2018	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	2019	+
	2020	+ if (newFile) {
	2021	+
	2022	+ if (firstDownload) {
	2023	+ firstDownload = false;
	2024	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	2025	+ } else {
	2026	+ this.href = link.href;
	2027	+ }
	2028	+
	2029	+ this.download = fn;
	2030	+
	2031	+ } else {
	2032	+ this.download = fn + ".html";
	2033	+ }
	2034	+ }
	2035	+
	2036	+ </script></div>
	2037	+
	2038	+</div>
	2039	+
	2040	+</div>
	2041	+
	2042	+
	2043	+
	2044	+<!--/* Initialize Js */-->
	2045	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys2/panelcontainer_copy_/parsys/panelcontainer">
	2046	+ if(""){
	2047	+ new Websites.Sticky({
	2048	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys2/panelcontainer_copy_/parsys/panelcontainer",
	2049	+ breakpoint: {
	2050	+ lg: {
	2051	+ to: "none"
	2052	+ },
	2053	+ md: {
	2054	+ to: "none"
	2055	+ },
	2056	+ sm: {
	2057	+ to: "none",
	2058	+ },
	2059	+ xs: {
	2060	+ to: "none"
	2061	+ }
	2062	+ }
	2063	+ });
	2064	+ }
	2065	+</script>
	2066	+
	2067	+</div>
	2068	+</div>
	2069	+<div class="separator section">
	2070	+
	2071	+
	2072	+
	2073	+
	2074	+
	2075	+
	2076	+<div id="separator-eba8872247" class="cmp-separator">
	2077	+ <hr class="cmp-separator__horizontal-rule"/>
	2078	+</div></div>
	2079	+<div class="panelContainer section">
	2080	+
	2081	+
	2082	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	2083	+
	2084	+
	2085	+
	2086	+ <div>
	2087	+
	2088	+
	2089	+
	2090	+
	2091	+
	2092	+
	2093	+
	2094	+
	2095	+
	2096	+
	2097	+
	2098	+
	2099	+
	2100	+
	2101	+
	2102	+
	2103	+
	2104	+
	2105	+
	2106	+
	2107	+
	2108	+
	2109	+
	2110	+<div class="panelContainer "
	2111	+
	2112	+
	2113	+ data-websites-component="/components/panelContainer.v1"
	2114	+ data-panel-container-lg-mg="20px"
	2115	+ data-panel-container-lg-pd=""
	2116	+ data-panel-container-lg-ht=""
	2117	+ data-panel-container-md-mg="20px 0 0 0"
	2118	+ data-panel-container-md-pd=""
	2119	+ data-panel-container-md-ht=""
	2120	+ data-panel-container-sm-mg="20px 0 0 0"
	2121	+ data-panel-container-sm-pd=""
	2122	+ data-panel-container-sm-ht=""
	2123	+ data-panel-container-xs-mg="20px 0 0 0"
	2124	+ data-panel-container-xs-pd=""
	2125	+ data-panel-container-xs-ht=""
	2126	+ data-panel-container-limit="">
	2127	+ <div class="parsys"><div class="textandimage parbase section">
	2128	+
	2129	+
	2130	+
	2131	+
	2132	+
	2133	+
	2134	+
	2135	+
	2136	+
	2137	+
	2138	+
	2139	+
	2140	+
	2141	+
	2142	+
	2143	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys2_panelcontainer_copy__parsys_panelcontainer_1021323156_parsys_textandimage" class="text-image-container "
	2144	+ data-text-image-container-right-left="false">
	2145	+
	2146	+
	2147	+
	2148	+
	2149	+
	2150	+
	2151	+
	2152	+
	2153	+
	2154	+ <div class="row text-image-row"
	2155	+ data-websites-component="/components/textandimage/rowcontainer"
	2156	+
	2157	+ data-text-image-rowcontainer-bg-type-lg=""
	2158	+
	2159	+
	2160	+
	2161	+
	2162	+
	2163	+ data-text-image-rowcontainer-height-lg="0"
	2164	+ data-text-image-rowcontainer-width-lg="0"
	2165	+ data-text-image-rowcontainer-class-lg=""
	2166	+
	2167	+ data-text-image-rowcontainer-bg-type-md=""
	2168	+
	2169	+
	2170	+
	2171	+
	2172	+
	2173	+ data-text-image-rowcontainer-height-md="0"
	2174	+ data-text-image-rowcontainer-width-md="0"
	2175	+ data-text-image-rowcontainer-class-md=""
	2176	+
	2177	+ data-text-image-rowcontainer-bg-type-sm=""
	2178	+
	2179	+
	2180	+
	2181	+
	2182	+
	2183	+ data-text-image-rowcontainer-height-sm="0"
	2184	+ data-text-image-rowcontainer-width-sm="0"
	2185	+ data-text-image-rowcontainer-class-sm=""
	2186	+
	2187	+ data-text-image-rowcontainer-bg-type-xs=""
	2188	+
	2189	+
	2190	+
	2191	+
	2192	+
	2193	+ data-text-image-rowcontainer-height-xs="0"
	2194	+ data-text-image-rowcontainer-width-xs="0"
	2195	+ data-text-image-rowcontainer-class-xs="">
	2196	+
	2197	+ <div class="col-xs-12 text-image-text-container
	2198	+ initializing" ><p class="chapeau3" style="text-align: center;"><span static-token='tac5ans\|percent:"true"'>${p1.tac5ans\|percent:"true"}</span><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">**</a></p>
	2199	+<p style="text-align: center;">APR<sup><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">2</a></sup></p></div>
	2200	+ </div>
	2201	+
	2202	+
	2203	+
	2204	+
	2205	+
	2206	+
	2207	+
	2208	+
	2209	+
	2210	+
	2211	+
	2212	+
	2213	+ <script>
	2214	+ (function(){
	2215	+ var $el;
	2216	+ var listeners = [];
	2217	+ var dataLayerViewEventName = '';
	2218	+ var dataLayerViewLayerProperties = [];
	2219	+
	2220	+ dataLayerViewEventName = '';
	2221	+
	2222	+
	2223	+
	2224	+
	2225	+
	2226	+ // IE11 trick (because IE11 don't know document.currentScript):
	2227	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	2228	+ if(document.currentScript){
	2229	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	2230	+ } else {
	2231	+ var scripts = document.getElementsByTagName( 'script' );
	2232	+ var currentScript = scripts[scripts.length - 1];
	2233	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	2234	+ }
	2235	+
	2236	+ Websites.Product.Core.initContentQueue.push(function () {
	2237	+ Websites.Product.TextContent.initTextContent({
	2238	+ $el: $el,
	2239	+ capsuleAlias: "",
	2240	+ listeners: listeners,
	2241	+ products: Websites.Product.Core.determineProductsArray(""),
	2242	+ dataLayerViewEvent: {
	2243	+ dataLayerViewEventName: dataLayerViewEventName,
	2244	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys2_panelcontainer_copy__parsys_panelcontainer_1021323156_parsys_textandimage" ,
	2245	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	2246	+ }
	2247	+ });
	2248	+ });
	2249	+ })();
	2250	+
	2251	+ </script>
	2252	+
	2253	+
	2254	+
	2255	+
	2256	+
	2257	+</div>
	2258	+
	2259	+ <script>
	2260	+
	2261	+ /**
	2262	+ * clickEventDownloadHandler()
	2263	+ * Is used to handle download image action selected as an opening mode
	2264	+ *
	2265	+ */
	2266	+
	2267	+ var firstDownload = true;
	2268	+
	2269	+ function clickEventDownloadHandler() {
	2270	+
	2271	+ var link = this;
	2272	+ var filename = link.dataset.linkpath;
	2273	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	2274	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	2275	+
	2276	+ if (newFile) {
	2277	+
	2278	+ if (firstDownload) {
	2279	+ firstDownload = false;
	2280	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	2281	+ } else {
	2282	+ this.href = link.href;
	2283	+ }
	2284	+
	2285	+ this.download = fn;
	2286	+
	2287	+ } else {
	2288	+ this.download = fn + ".html";
	2289	+ }
	2290	+ }
	2291	+
	2292	+ </script></div>
	2293	+
	2294	+</div>
	2295	+
	2296	+</div>
	2297	+
	2298	+
	2299	+
	2300	+<!--/* Initialize Js */-->
	2301	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys2/panelcontainer_copy_/parsys/panelcontainer_1021323156">
	2302	+ if(""){
	2303	+ new Websites.Sticky({
	2304	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys2/panelcontainer_copy_/parsys/panelcontainer_1021323156",
	2305	+ breakpoint: {
	2306	+ lg: {
	2307	+ to: "none"
	2308	+ },
	2309	+ md: {
	2310	+ to: "none"
	2311	+ },
	2312	+ sm: {
	2313	+ to: "none",
	2314	+ },
	2315	+ xs: {
	2316	+ to: "none"
	2317	+ }
	2318	+ }
	2319	+ });
	2320	+ }
	2321	+</script>
	2322	+
	2323	+</div>
	2324	+</div>
	2325	+
	2326	+</div>
	2327	+
	2328	+</div>
	2329	+
	2330	+
	2331	+
	2332	+<!--/* Initialize Js */-->
	2333	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys2/panelcontainer_copy_">
	2334	+ if(""){
	2335	+ new Websites.Sticky({
	2336	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys2/panelcontainer_copy_",
	2337	+ breakpoint: {
	2338	+ lg: {
	2339	+ to: "none"
	2340	+ },
	2341	+ md: {
	2342	+ to: "none"
	2343	+ },
	2344	+ sm: {
	2345	+ to: "none",
	2346	+ },
	2347	+ xs: {
	2348	+ to: "none"
	2349	+ }
	2350	+ }
	2351	+ });
	2352	+ }
	2353	+</script>
	2354	+
	2355	+</div>
	2356	+</div>
	2357	+
	2358	+</div>
	2359	+
	2360	+ </div>
	2361	+
	2362	+ <div class="col-xs-12 col-sm-4 column col-last ">
	2363	+ <div class="parsys3 parsys"><div class="panelContainer section">
	2364	+
	2365	+
	2366	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	2367	+
	2368	+
	2369	+
	2370	+ <div>
	2371	+
	2372	+
	2373	+
	2374	+
	2375	+
	2376	+
	2377	+
	2378	+
	2379	+
	2380	+
	2381	+
	2382	+
	2383	+
	2384	+
	2385	+
	2386	+
	2387	+
	2388	+
	2389	+
	2390	+
	2391	+
	2392	+
	2393	+
	2394	+<div class="panelContainer panel-border panel-border-radius "
	2395	+
	2396	+
	2397	+ data-websites-component="/components/panelContainer.v1"
	2398	+ data-panel-container-lg-mg=""
	2399	+ data-panel-container-lg-pd="20px"
	2400	+ data-panel-container-lg-ht=""
	2401	+ data-panel-container-md-mg=""
	2402	+ data-panel-container-md-pd="20px"
	2403	+ data-panel-container-md-ht=""
	2404	+ data-panel-container-sm-mg=""
	2405	+ data-panel-container-sm-pd="20px"
	2406	+ data-panel-container-sm-ht=""
	2407	+ data-panel-container-xs-mg="20px 0 0 0"
	2408	+ data-panel-container-xs-pd="20px"
	2409	+ data-panel-container-xs-ht=""
	2410	+ data-panel-container-limit="">
	2411	+ <div class="parsys"><div class="panelContainer section">
	2412	+
	2413	+
	2414	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	2415	+
	2416	+
	2417	+
	2418	+ <div>
	2419	+
	2420	+
	2421	+
	2422	+
	2423	+
	2424	+
	2425	+
	2426	+
	2427	+
	2428	+
	2429	+
	2430	+
	2431	+
	2432	+
	2433	+
	2434	+
	2435	+
	2436	+
	2437	+
	2438	+
	2439	+
	2440	+
	2441	+
	2442	+<div class="panelContainer background-tertiary-pinkPastel "
	2443	+
	2444	+
	2445	+ data-websites-component="/components/panelContainer.v1"
	2446	+ data-panel-container-lg-mg="0 30%"
	2447	+ data-panel-container-lg-pd="10px 0 0 0"
	2448	+ data-panel-container-lg-ht=""
	2449	+ data-panel-container-md-mg="0 20%"
	2450	+ data-panel-container-md-pd="10px 0 0 0"
	2451	+ data-panel-container-md-ht=""
	2452	+ data-panel-container-sm-mg=""
	2453	+ data-panel-container-sm-pd="10px 0 0 0"
	2454	+ data-panel-container-sm-ht=""
	2455	+ data-panel-container-xs-mg="0 30%"
	2456	+ data-panel-container-xs-pd="10px 0 0 0"
	2457	+ data-panel-container-xs-ht=""
	2458	+ data-panel-container-limit="">
	2459	+ <div class="parsys"><div class="textandimage parbase section">
	2460	+
	2461	+
	2462	+
	2463	+
	2464	+
	2465	+
	2466	+
	2467	+
	2468	+
	2469	+
	2470	+
	2471	+
	2472	+
	2473	+
	2474	+
	2475	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys3_panelcontainer_copy__parsys_panelcontainer_1939379463_parsys_textandimage" class="text-image-container "
	2476	+ data-text-image-container-right-left="false">
	2477	+
	2478	+
	2479	+
	2480	+
	2481	+
	2482	+
	2483	+
	2484	+
	2485	+
	2486	+ <div class="row text-image-row"
	2487	+ data-websites-component="/components/textandimage/rowcontainer"
	2488	+
	2489	+ data-text-image-rowcontainer-bg-type-lg="none"
	2490	+
	2491	+
	2492	+
	2493	+
	2494	+
	2495	+ data-text-image-rowcontainer-height-lg="0"
	2496	+ data-text-image-rowcontainer-width-lg="0"
	2497	+ data-text-image-rowcontainer-class-lg="backgroundColor72BFC1--80"
	2498	+
	2499	+ data-text-image-rowcontainer-bg-type-md="none"
	2500	+
	2501	+
	2502	+
	2503	+
	2504	+
	2505	+ data-text-image-rowcontainer-height-md="0"
	2506	+ data-text-image-rowcontainer-width-md="0"
	2507	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	2508	+
	2509	+ data-text-image-rowcontainer-bg-type-sm="none"
	2510	+
	2511	+
	2512	+
	2513	+
	2514	+
	2515	+ data-text-image-rowcontainer-height-sm="0"
	2516	+ data-text-image-rowcontainer-width-sm="0"
	2517	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	2518	+
	2519	+ data-text-image-rowcontainer-bg-type-xs="none"
	2520	+
	2521	+
	2522	+
	2523	+
	2524	+
	2525	+ data-text-image-rowcontainer-height-xs="0"
	2526	+ data-text-image-rowcontainer-width-xs="0"
	2527	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	2528	+
	2529	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><b>PROMOTION</b></p>
	2530	+</div>
	2531	+ </div>
	2532	+
	2533	+
	2534	+
	2535	+
	2536	+
	2537	+
	2538	+
	2539	+
	2540	+
	2541	+
	2542	+
	2543	+ <script>
	2544	+
	2545	+ (function(){
	2546	+
	2547	+ var dataLayerViewEventName = '' \|\| '';
	2548	+ var dataLayerViewLayerProperties = [];
	2549	+ var $el;
	2550	+
	2551	+
	2552	+
	2553	+ if(dataLayerViewEventName.trim().length) {
	2554	+
	2555	+ var obj = {
	2556	+ dataLayerViewEventName: dataLayerViewEventName,
	2557	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys3_panelcontainer_copy__parsys_panelcontainer_1939379463_parsys_textandimage" ,
	2558	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	2559	+ };
	2560	+
	2561	+ // IE11 trick (because IE11 don't know document.currentScript):
	2562	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	2563	+ if(document.currentScript){
	2564	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	2565	+ } else {
	2566	+ var scripts = document.getElementsByTagName( 'script' );
	2567	+ var currentScript = scripts[scripts.length - 1];
	2568	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	2569	+ }
	2570	+
	2571	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	2572	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	2573	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	2574	+
	2575	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	2576	+
	2577	+ }
	2578	+
	2579	+ })();
	2580	+
	2581	+ </script>
	2582	+
	2583	+</div>
	2584	+
	2585	+ <script>
	2586	+
	2587	+ /**
	2588	+ * clickEventDownloadHandler()
	2589	+ * Is used to handle download image action selected as an opening mode
	2590	+ *
	2591	+ */
	2592	+
	2593	+ var firstDownload = true;
	2594	+
	2595	+ function clickEventDownloadHandler() {
	2596	+
	2597	+ var link = this;
	2598	+ var filename = link.dataset.linkpath;
	2599	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	2600	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	2601	+
	2602	+ if (newFile) {
	2603	+
	2604	+ if (firstDownload) {
	2605	+ firstDownload = false;
	2606	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	2607	+ } else {
	2608	+ this.href = link.href;
	2609	+ }
	2610	+
	2611	+ this.download = fn;
	2612	+
	2613	+ } else {
	2614	+ this.download = fn + ".html";
	2615	+ }
	2616	+ }
	2617	+
	2618	+ </script></div>
	2619	+
	2620	+</div>
	2621	+
	2622	+</div>
	2623	+
	2624	+
	2625	+
	2626	+<!--/* Initialize Js */-->
	2627	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer_1939379463">
	2628	+ if(""){
	2629	+ new Websites.Sticky({
	2630	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer_1939379463",
	2631	+ breakpoint: {
	2632	+ lg: {
	2633	+ to: "none"
	2634	+ },
	2635	+ md: {
	2636	+ to: "none"
	2637	+ },
	2638	+ sm: {
	2639	+ to: "none",
	2640	+ },
	2641	+ xs: {
	2642	+ to: "none"
	2643	+ }
	2644	+ }
	2645	+ });
	2646	+ }
	2647	+</script>
	2648	+
	2649	+</div>
	2650	+</div>
	2651	+<div class="panelContainer section">
	2652	+
	2653	+
	2654	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	2655	+
	2656	+
	2657	+
	2658	+ <div>
	2659	+
	2660	+
	2661	+
	2662	+
	2663	+
	2664	+
	2665	+
	2666	+
	2667	+
	2668	+
	2669	+
	2670	+
	2671	+
	2672	+
	2673	+
	2674	+
	2675	+
	2676	+
	2677	+
	2678	+
	2679	+
	2680	+
	2681	+
	2682	+<div class="panelContainer "
	2683	+
	2684	+
	2685	+ data-websites-component="/components/panelContainer.v1"
	2686	+ data-panel-container-lg-mg="20px"
	2687	+ data-panel-container-lg-pd=""
	2688	+ data-panel-container-lg-ht=""
	2689	+ data-panel-container-md-mg="20px 0 0 0"
	2690	+ data-panel-container-md-pd=""
	2691	+ data-panel-container-md-ht=""
	2692	+ data-panel-container-sm-mg="20px 0 0 0"
	2693	+ data-panel-container-sm-pd=""
	2694	+ data-panel-container-sm-ht=""
	2695	+ data-panel-container-xs-mg="20px 0 0 0"
	2696	+ data-panel-container-xs-pd=""
	2697	+ data-panel-container-xs-ht=""
	2698	+ data-panel-container-limit="">
	2699	+ <div class="parsys"><div class="textandimage parbase section">
	2700	+
	2701	+
	2702	+
	2703	+
	2704	+
	2705	+
	2706	+
	2707	+
	2708	+
	2709	+
	2710	+
	2711	+
	2712	+
	2713	+
	2714	+
	2715	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys3_panelcontainer_copy__parsys_panelcontainer_parsys_textandimage" class="text-image-container "
	2716	+ data-text-image-container-right-left="false">
	2717	+
	2718	+
	2719	+
	2720	+
	2721	+
	2722	+
	2723	+
	2724	+
	2725	+
	2726	+ <div class="row text-image-row"
	2727	+ data-websites-component="/components/textandimage/rowcontainer"
	2728	+
	2729	+ data-text-image-rowcontainer-bg-type-lg=""
	2730	+
	2731	+
	2732	+
	2733	+
	2734	+
	2735	+ data-text-image-rowcontainer-height-lg="0"
	2736	+ data-text-image-rowcontainer-width-lg="0"
	2737	+ data-text-image-rowcontainer-class-lg=""
	2738	+
	2739	+ data-text-image-rowcontainer-bg-type-md=""
	2740	+
	2741	+
	2742	+
	2743	+
	2744	+
	2745	+ data-text-image-rowcontainer-height-md="0"
	2746	+ data-text-image-rowcontainer-width-md="0"
	2747	+ data-text-image-rowcontainer-class-md=""
	2748	+
	2749	+ data-text-image-rowcontainer-bg-type-sm=""
	2750	+
	2751	+
	2752	+
	2753	+
	2754	+
	2755	+ data-text-image-rowcontainer-height-sm="0"
	2756	+ data-text-image-rowcontainer-width-sm="0"
	2757	+ data-text-image-rowcontainer-class-sm=""
	2758	+
	2759	+ data-text-image-rowcontainer-bg-type-xs=""
	2760	+
	2761	+
	2762	+
	2763	+
	2764	+
	2765	+ data-text-image-rowcontainer-height-xs="0"
	2766	+ data-text-image-rowcontainer-width-xs="0"
	2767	+ data-text-image-rowcontainer-class-xs="">
	2768	+
	2769	+ <div class="col-xs-12 text-image-text-container
	2770	+ initializing" ><p style="text-align: center;"><b>5 year</b> variable rate<sup><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">7</a></sup></p>
	2771	+<p class="chapeau3" style="text-align: center;"><span static-token='tauxPromo5ansF\|percent:"true"'>${p2.tauxPromo5ansF\|percent:"true"}</span><br>
	2772	+</p></div>
	2773	+ </div>
	2774	+
	2775	+
	2776	+
	2777	+
	2778	+
	2779	+
	2780	+
	2781	+
	2782	+
	2783	+
	2784	+
	2785	+
	2786	+ <script>
	2787	+ (function(){
	2788	+ var $el;
	2789	+ var listeners = [];
	2790	+ var dataLayerViewEventName = '';
	2791	+ var dataLayerViewLayerProperties = [];
	2792	+
	2793	+ dataLayerViewEventName = '';
	2794	+
	2795	+
	2796	+
	2797	+
	2798	+
	2799	+ // IE11 trick (because IE11 don't know document.currentScript):
	2800	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	2801	+ if(document.currentScript){
	2802	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	2803	+ } else {
	2804	+ var scripts = document.getElementsByTagName( 'script' );
	2805	+ var currentScript = scripts[scripts.length - 1];
	2806	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	2807	+ }
	2808	+
	2809	+ Websites.Product.Core.initContentQueue.push(function () {
	2810	+ Websites.Product.TextContent.initTextContent({
	2811	+ $el: $el,
	2812	+ capsuleAlias: "",
	2813	+ listeners: listeners,
	2814	+ products: Websites.Product.Core.determineProductsArray(""),
	2815	+ dataLayerViewEvent: {
	2816	+ dataLayerViewEventName: dataLayerViewEventName,
	2817	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys3_panelcontainer_copy__parsys_panelcontainer_parsys_textandimage" ,
	2818	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	2819	+ }
	2820	+ });
	2821	+ });
	2822	+ })();
	2823	+
	2824	+ </script>
	2825	+
	2826	+
	2827	+
	2828	+
	2829	+
	2830	+</div>
	2831	+
	2832	+ <script>
	2833	+
	2834	+ /**
	2835	+ * clickEventDownloadHandler()
	2836	+ * Is used to handle download image action selected as an opening mode
	2837	+ *
	2838	+ */
	2839	+
	2840	+ var firstDownload = true;
	2841	+
	2842	+ function clickEventDownloadHandler() {
	2843	+
	2844	+ var link = this;
	2845	+ var filename = link.dataset.linkpath;
	2846	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	2847	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	2848	+
	2849	+ if (newFile) {
	2850	+
	2851	+ if (firstDownload) {
	2852	+ firstDownload = false;
	2853	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	2854	+ } else {
	2855	+ this.href = link.href;
	2856	+ }
	2857	+
	2858	+ this.download = fn;
	2859	+
	2860	+ } else {
	2861	+ this.download = fn + ".html";
	2862	+ }
	2863	+ }
	2864	+
	2865	+ </script></div>
	2866	+
	2867	+</div>
	2868	+
	2869	+</div>
	2870	+
	2871	+
	2872	+
	2873	+<!--/* Initialize Js */-->
	2874	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer">
	2875	+ if(""){
	2876	+ new Websites.Sticky({
	2877	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer",
	2878	+ breakpoint: {
	2879	+ lg: {
	2880	+ to: "none"
	2881	+ },
	2882	+ md: {
	2883	+ to: "none"
	2884	+ },
	2885	+ sm: {
	2886	+ to: "none",
	2887	+ },
	2888	+ xs: {
	2889	+ to: "none"
	2890	+ }
	2891	+ }
	2892	+ });
	2893	+ }
	2894	+</script>
	2895	+
	2896	+</div>
	2897	+</div>
	2898	+<div class="separator section">
	2899	+
	2900	+
	2901	+
	2902	+
	2903	+
	2904	+
	2905	+<div id="separator-54b0dfd9db" class="cmp-separator">
	2906	+ <hr class="cmp-separator__horizontal-rule"/>
	2907	+</div></div>
	2908	+<div class="panelContainer section">
	2909	+
	2910	+
	2911	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	2912	+
	2913	+
	2914	+
	2915	+ <div>
	2916	+
	2917	+
	2918	+
	2919	+
	2920	+
	2921	+
	2922	+
	2923	+
	2924	+
	2925	+
	2926	+
	2927	+
	2928	+
	2929	+
	2930	+
	2931	+
	2932	+
	2933	+
	2934	+
	2935	+
	2936	+
	2937	+
	2938	+
	2939	+<div class="panelContainer "
	2940	+
	2941	+
	2942	+ data-websites-component="/components/panelContainer.v1"
	2943	+ data-panel-container-lg-mg="20px"
	2944	+ data-panel-container-lg-pd=""
	2945	+ data-panel-container-lg-ht=""
	2946	+ data-panel-container-md-mg="20px 0 0 0"
	2947	+ data-panel-container-md-pd=""
	2948	+ data-panel-container-md-ht=""
	2949	+ data-panel-container-sm-mg="20px 0 0 0"
	2950	+ data-panel-container-sm-pd=""
	2951	+ data-panel-container-sm-ht=""
	2952	+ data-panel-container-xs-mg="20px 0 0 0"
	2953	+ data-panel-container-xs-pd=""
	2954	+ data-panel-container-xs-ht=""
	2955	+ data-panel-container-limit="">
	2956	+ <div class="parsys"><div class="columns parbase section">
	2957	+
	2958	+
	2959	+
	2960	+
	2961	+<div data-emptytext="Responsive Columns" class="cq-placeholder"></div>
	2962	+
	2963	+
	2964	+
	2965	+
	2966	+
	2967	+
	2968	+
	2969	+
	2970	+
	2971	+
	2972	+
	2973	+
	2974	+
	2975	+ <div style=""
	2976	+ class="columns-row row row-eq-height"
	2977	+
	2978	+ data-style-lg="" data-height-lg=""
	2979	+ data-width-lg=""
	2980	+ data-background-color-lg=""
	2981	+ data-background-color-xs="">
	2982	+ <div style=""
	2983	+ class="col-xs-12 col-sm-12 columns-title "
	2984	+ data-height="" data-width=""
	2985	+ data-style-xs="" data-height-xs=""
	2986	+ data-width-xs="">
	2987	+
	2988	+ </div>
	2989	+
	2990	+
	2991	+
	2992	+
	2993	+ <div class="col-xs-12 col-sm-6 column col-first separatorFilet">
	2994	+ <div class="parsys1 parsys"><div class="panelContainer section">
	2995	+
	2996	+
	2997	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	2998	+
	2999	+
	3000	+
	3001	+ <div>
	3002	+
	3003	+
	3004	+
	3005	+
	3006	+
	3007	+
	3008	+
	3009	+
	3010	+
	3011	+
	3012	+
	3013	+
	3014	+
	3015	+
	3016	+
	3017	+
	3018	+
	3019	+
	3020	+
	3021	+
	3022	+
	3023	+
	3024	+
	3025	+<div class="panelContainer "
	3026	+
	3027	+
	3028	+ data-websites-component="/components/panelContainer.v1"
	3029	+ data-panel-container-lg-mg=""
	3030	+ data-panel-container-lg-pd=""
	3031	+ data-panel-container-lg-ht=""
	3032	+ data-panel-container-md-mg=""
	3033	+ data-panel-container-md-pd=""
	3034	+ data-panel-container-md-ht=""
	3035	+ data-panel-container-sm-mg=""
	3036	+ data-panel-container-sm-pd=""
	3037	+ data-panel-container-sm-ht=""
	3038	+ data-panel-container-xs-mg=""
	3039	+ data-panel-container-xs-pd=""
	3040	+ data-panel-container-xs-ht=""
	3041	+ data-panel-container-limit="">
	3042	+ <div class="parsys"><div class="textandimage parbase section">
	3043	+
	3044	+
	3045	+
	3046	+
	3047	+
	3048	+
	3049	+
	3050	+
	3051	+
	3052	+
	3053	+
	3054	+
	3055	+
	3056	+
	3057	+
	3058	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys3_panelcontainer_copy__parsys_panelcontainer_1021323156_parsys_columns_parsys1_panelcontainer_parsys_textandimage_copy" class="text-image-container "
	3059	+ data-text-image-container-right-left="false">
	3060	+
	3061	+
	3062	+
	3063	+
	3064	+
	3065	+
	3066	+
	3067	+
	3068	+
	3069	+ <div class="row text-image-row"
	3070	+ data-websites-component="/components/textandimage/rowcontainer"
	3071	+
	3072	+ data-text-image-rowcontainer-bg-type-lg=""
	3073	+
	3074	+
	3075	+
	3076	+
	3077	+
	3078	+ data-text-image-rowcontainer-height-lg="0"
	3079	+ data-text-image-rowcontainer-width-lg="0"
	3080	+ data-text-image-rowcontainer-class-lg=""
	3081	+
	3082	+ data-text-image-rowcontainer-bg-type-md=""
	3083	+
	3084	+
	3085	+
	3086	+
	3087	+
	3088	+ data-text-image-rowcontainer-height-md="0"
	3089	+ data-text-image-rowcontainer-width-md="0"
	3090	+ data-text-image-rowcontainer-class-md=""
	3091	+
	3092	+ data-text-image-rowcontainer-bg-type-sm=""
	3093	+
	3094	+
	3095	+
	3096	+
	3097	+
	3098	+ data-text-image-rowcontainer-height-sm="0"
	3099	+ data-text-image-rowcontainer-width-sm="0"
	3100	+ data-text-image-rowcontainer-class-sm=""
	3101	+
	3102	+ data-text-image-rowcontainer-bg-type-xs=""
	3103	+
	3104	+
	3105	+
	3106	+
	3107	+
	3108	+ data-text-image-rowcontainer-height-xs="0"
	3109	+ data-text-image-rowcontainer-width-xs="0"
	3110	+ data-text-image-rowcontainer-class-xs="">
	3111	+
	3112	+ <div class="col-xs-12 text-image-text-container
	3113	+ initializing" ><p style="text-align: center;">Prime rate –</p>
	3114	+<p class="chapeau3" style="text-align: center;"><span static-token='tauxBase\|percent:"true"'>${p2.tauxBase\|percent:"true"}</span><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">***</a></p></div>
	3115	+ </div>
	3116	+
	3117	+
	3118	+
	3119	+
	3120	+
	3121	+
	3122	+
	3123	+
	3124	+
	3125	+
	3126	+
	3127	+
	3128	+ <script>
	3129	+ (function(){
	3130	+ var $el;
	3131	+ var listeners = [];
	3132	+ var dataLayerViewEventName = '';
	3133	+ var dataLayerViewLayerProperties = [];
	3134	+
	3135	+ dataLayerViewEventName = '';
	3136	+
	3137	+
	3138	+
	3139	+
	3140	+
	3141	+ // IE11 trick (because IE11 don't know document.currentScript):
	3142	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	3143	+ if(document.currentScript){
	3144	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	3145	+ } else {
	3146	+ var scripts = document.getElementsByTagName( 'script' );
	3147	+ var currentScript = scripts[scripts.length - 1];
	3148	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	3149	+ }
	3150	+
	3151	+ Websites.Product.Core.initContentQueue.push(function () {
	3152	+ Websites.Product.TextContent.initTextContent({
	3153	+ $el: $el,
	3154	+ capsuleAlias: "",
	3155	+ listeners: listeners,
	3156	+ products: Websites.Product.Core.determineProductsArray(""),
	3157	+ dataLayerViewEvent: {
	3158	+ dataLayerViewEventName: dataLayerViewEventName,
	3159	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys3_panelcontainer_copy__parsys_panelcontainer_1021323156_parsys_columns_parsys1_panelcontainer_parsys_textandimage_copy" ,
	3160	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	3161	+ }
	3162	+ });
	3163	+ });
	3164	+ })();
	3165	+
	3166	+ </script>
	3167	+
	3168	+
	3169	+
	3170	+
	3171	+
	3172	+</div>
	3173	+
	3174	+ <script>
	3175	+
	3176	+ /**
	3177	+ * clickEventDownloadHandler()
	3178	+ * Is used to handle download image action selected as an opening mode
	3179	+ *
	3180	+ */
	3181	+
	3182	+ var firstDownload = true;
	3183	+
	3184	+ function clickEventDownloadHandler() {
	3185	+
	3186	+ var link = this;
	3187	+ var filename = link.dataset.linkpath;
	3188	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	3189	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	3190	+
	3191	+ if (newFile) {
	3192	+
	3193	+ if (firstDownload) {
	3194	+ firstDownload = false;
	3195	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	3196	+ } else {
	3197	+ this.href = link.href;
	3198	+ }
	3199	+
	3200	+ this.download = fn;
	3201	+
	3202	+ } else {
	3203	+ this.download = fn + ".html";
	3204	+ }
	3205	+ }
	3206	+
	3207	+ </script></div>
	3208	+
	3209	+</div>
	3210	+
	3211	+</div>
	3212	+
	3213	+
	3214	+
	3215	+<!--/* Initialize Js */-->
	3216	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer_1021323156/parsys/columns/parsys1/panelcontainer">
	3217	+ if(""){
	3218	+ new Websites.Sticky({
	3219	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer_1021323156/parsys/columns/parsys1/panelcontainer",
	3220	+ breakpoint: {
	3221	+ lg: {
	3222	+ to: ""
	3223	+ },
	3224	+ md: {
	3225	+ to: ""
	3226	+ },
	3227	+ sm: {
	3228	+ to: "",
	3229	+ },
	3230	+ xs: {
	3231	+ to: ""
	3232	+ }
	3233	+ }
	3234	+ });
	3235	+ }
	3236	+</script>
	3237	+
	3238	+</div>
	3239	+</div>
	3240	+
	3241	+</div>
	3242	+
	3243	+ </div>
	3244	+
	3245	+ <div class="col-xs-12 col-sm-6 column col-last ">
	3246	+ <div class="parsys2 parsys"><div class="panelContainer section">
	3247	+
	3248	+
	3249	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	3250	+
	3251	+
	3252	+
	3253	+ <div>
	3254	+
	3255	+
	3256	+
	3257	+
	3258	+
	3259	+
	3260	+
	3261	+
	3262	+
	3263	+
	3264	+
	3265	+
	3266	+
	3267	+
	3268	+
	3269	+
	3270	+
	3271	+
	3272	+
	3273	+
	3274	+
	3275	+
	3276	+
	3277	+<div class="panelContainer "
	3278	+
	3279	+
	3280	+ data-websites-component="/components/panelContainer.v1"
	3281	+ data-panel-container-lg-mg=""
	3282	+ data-panel-container-lg-pd=""
	3283	+ data-panel-container-lg-ht=""
	3284	+ data-panel-container-md-mg=""
	3285	+ data-panel-container-md-pd=""
	3286	+ data-panel-container-md-ht=""
	3287	+ data-panel-container-sm-mg=""
	3288	+ data-panel-container-sm-pd=""
	3289	+ data-panel-container-sm-ht=""
	3290	+ data-panel-container-xs-mg=""
	3291	+ data-panel-container-xs-pd=""
	3292	+ data-panel-container-xs-ht=""
	3293	+ data-panel-container-limit="">
	3294	+ <div class="parsys"><div class="textandimage parbase section">
	3295	+
	3296	+
	3297	+
	3298	+
	3299	+
	3300	+
	3301	+
	3302	+
	3303	+
	3304	+
	3305	+
	3306	+
	3307	+
	3308	+
	3309	+
	3310	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys3_panelcontainer_copy__parsys_panelcontainer_1021323156_parsys_columns_parsys2_panelcontainer_parsys_textandimage" class="text-image-container "
	3311	+ data-text-image-container-right-left="false">
	3312	+
	3313	+
	3314	+
	3315	+
	3316	+
	3317	+
	3318	+
	3319	+
	3320	+
	3321	+ <div class="row text-image-row"
	3322	+ data-websites-component="/components/textandimage/rowcontainer"
	3323	+
	3324	+ data-text-image-rowcontainer-bg-type-lg=""
	3325	+
	3326	+
	3327	+
	3328	+
	3329	+
	3330	+ data-text-image-rowcontainer-height-lg="0"
	3331	+ data-text-image-rowcontainer-width-lg="0"
	3332	+ data-text-image-rowcontainer-class-lg=""
	3333	+
	3334	+ data-text-image-rowcontainer-bg-type-md=""
	3335	+
	3336	+
	3337	+
	3338	+
	3339	+
	3340	+ data-text-image-rowcontainer-height-md="0"
	3341	+ data-text-image-rowcontainer-width-md="0"
	3342	+ data-text-image-rowcontainer-class-md=""
	3343	+
	3344	+ data-text-image-rowcontainer-bg-type-sm=""
	3345	+
	3346	+
	3347	+
	3348	+
	3349	+
	3350	+ data-text-image-rowcontainer-height-sm="0"
	3351	+ data-text-image-rowcontainer-width-sm="0"
	3352	+ data-text-image-rowcontainer-class-sm=""
	3353	+
	3354	+ data-text-image-rowcontainer-bg-type-xs=""
	3355	+
	3356	+
	3357	+
	3358	+
	3359	+
	3360	+ data-text-image-rowcontainer-height-xs="0"
	3361	+ data-text-image-rowcontainer-width-xs="0"
	3362	+ data-text-image-rowcontainer-class-xs="">
	3363	+
	3364	+ <div class="col-xs-12 text-image-text-container
	3365	+ initializing" ><p class="chapeau3" style="text-align: center;"><span static-token='tac5ans\|percent:"true"'>${p2.tac5ans\|percent:"true"}</span><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">**</a></p>
	3366	+<p style="text-align: center;">APR<sup><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">2</a></sup></p></div>
	3367	+ </div>
	3368	+
	3369	+
	3370	+
	3371	+
	3372	+
	3373	+
	3374	+
	3375	+
	3376	+
	3377	+
	3378	+
	3379	+
	3380	+ <script>
	3381	+ (function(){
	3382	+ var $el;
	3383	+ var listeners = [];
	3384	+ var dataLayerViewEventName = '';
	3385	+ var dataLayerViewLayerProperties = [];
	3386	+
	3387	+ dataLayerViewEventName = '';
	3388	+
	3389	+
	3390	+
	3391	+
	3392	+
	3393	+ // IE11 trick (because IE11 don't know document.currentScript):
	3394	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	3395	+ if(document.currentScript){
	3396	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	3397	+ } else {
	3398	+ var scripts = document.getElementsByTagName( 'script' );
	3399	+ var currentScript = scripts[scripts.length - 1];
	3400	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	3401	+ }
	3402	+
	3403	+ Websites.Product.Core.initContentQueue.push(function () {
	3404	+ Websites.Product.TextContent.initTextContent({
	3405	+ $el: $el,
	3406	+ capsuleAlias: "",
	3407	+ listeners: listeners,
	3408	+ products: Websites.Product.Core.determineProductsArray(""),
	3409	+ dataLayerViewEvent: {
	3410	+ dataLayerViewEventName: dataLayerViewEventName,
	3411	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_panelcontainer_copy_parsys_columns_copy_copy_co_parsys3_panelcontainer_copy__parsys_panelcontainer_1021323156_parsys_columns_parsys2_panelcontainer_parsys_textandimage" ,
	3412	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	3413	+ }
	3414	+ });
	3415	+ });
	3416	+ })();
	3417	+
	3418	+ </script>
	3419	+
	3420	+
	3421	+
	3422	+
	3423	+
	3424	+</div>
	3425	+
	3426	+ <script>
	3427	+
	3428	+ /**
	3429	+ * clickEventDownloadHandler()
	3430	+ * Is used to handle download image action selected as an opening mode
	3431	+ *
	3432	+ */
	3433	+
	3434	+ var firstDownload = true;
	3435	+
	3436	+ function clickEventDownloadHandler() {
	3437	+
	3438	+ var link = this;
	3439	+ var filename = link.dataset.linkpath;
	3440	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	3441	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	3442	+
	3443	+ if (newFile) {
	3444	+
	3445	+ if (firstDownload) {
	3446	+ firstDownload = false;
	3447	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	3448	+ } else {
	3449	+ this.href = link.href;
	3450	+ }
	3451	+
	3452	+ this.download = fn;
	3453	+
	3454	+ } else {
	3455	+ this.download = fn + ".html";
	3456	+ }
	3457	+ }
	3458	+
	3459	+ </script></div>
	3460	+
	3461	+</div>
	3462	+
	3463	+</div>
	3464	+
	3465	+
	3466	+
	3467	+<!--/* Initialize Js */-->
	3468	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer_1021323156/parsys/columns/parsys2/panelcontainer">
	3469	+ if(""){
	3470	+ new Websites.Sticky({
	3471	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer_1021323156/parsys/columns/parsys2/panelcontainer",
	3472	+ breakpoint: {
	3473	+ lg: {
	3474	+ to: ""
	3475	+ },
	3476	+ md: {
	3477	+ to: ""
	3478	+ },
	3479	+ sm: {
	3480	+ to: "",
	3481	+ },
	3482	+ xs: {
	3483	+ to: ""
	3484	+ }
	3485	+ }
	3486	+ });
	3487	+ }
	3488	+</script>
	3489	+
	3490	+</div>
	3491	+</div>
	3492	+
	3493	+</div>
	3494	+
	3495	+ </div>
	3496	+
	3497	+ </div>
	3498	+
	3499	+
	3500	+
	3501	+</div>
	3502	+
	3503	+</div>
	3504	+
	3505	+</div>
	3506	+
	3507	+
	3508	+
	3509	+<!--/* Initialize Js */-->
	3510	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer_1021323156">
	3511	+ if(""){
	3512	+ new Websites.Sticky({
	3513	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_/parsys/panelcontainer_1021323156",
	3514	+ breakpoint: {
	3515	+ lg: {
	3516	+ to: "none"
	3517	+ },
	3518	+ md: {
	3519	+ to: "none"
	3520	+ },
	3521	+ sm: {
	3522	+ to: "none",
	3523	+ },
	3524	+ xs: {
	3525	+ to: "none"
	3526	+ }
	3527	+ }
	3528	+ });
	3529	+ }
	3530	+</script>
	3531	+
	3532	+</div>
	3533	+</div>
	3534	+
	3535	+</div>
	3536	+
	3537	+</div>
	3538	+
	3539	+
	3540	+
	3541	+<!--/* Initialize Js */-->
	3542	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_">
	3543	+ if(""){
	3544	+ new Websites.Sticky({
	3545	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy/parsys/columns_copy_copy_co/parsys3/panelcontainer_copy_",
	3546	+ breakpoint: {
	3547	+ lg: {
	3548	+ to: "none"
	3549	+ },
	3550	+ md: {
	3551	+ to: "none"
	3552	+ },
	3553	+ sm: {
	3554	+ to: "none",
	3555	+ },
	3556	+ xs: {
	3557	+ to: "none"
	3558	+ }
	3559	+ }
	3560	+ });
	3561	+ }
	3562	+</script>
	3563	+
	3564	+</div>
	3565	+</div>
	3566	+
	3567	+</div>
	3568	+
	3569	+ </div>
	3570	+
	3571	+ </div>
	3572	+
	3573	+
	3574	+
	3575	+</div>
	3576	+
	3577	+</div>
	3578	+
	3579	+</div>
	3580	+
	3581	+
	3582	+
	3583	+<!--/* Initialize Js */-->
	3584	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy">
	3585	+ if(""){
	3586	+ new Websites.Sticky({
	3587	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/panelcontainer_copy",
	3588	+ breakpoint: {
	3589	+ lg: {
	3590	+ to: ""
	3591	+ },
	3592	+ md: {
	3593	+ to: ""
	3594	+ },
	3595	+ sm: {
	3596	+ to: "",
	3597	+ },
	3598	+ xs: {
	3599	+ to: ""
	3600	+ }
	3601	+ }
	3602	+ });
	3603	+ }
	3604	+</script>
	3605	+
	3606	+</div>
	3607	+</div>
	3608	+<div class="textandimage parbase section">
	3609	+
	3610	+
	3611	+
	3612	+
	3613	+
	3614	+
	3615	+
	3616	+
	3617	+
	3618	+
	3619	+
	3620	+
	3621	+
	3622	+
	3623	+
	3624	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_textandimage_copy_co" class="text-image-container "
	3625	+ data-text-image-container-right-left="false">
	3626	+
	3627	+
	3628	+
	3629	+
	3630	+
	3631	+
	3632	+
	3633	+
	3634	+
	3635	+ <div class="row text-image-row"
	3636	+ data-websites-component="/components/textandimage/rowcontainer"
	3637	+
	3638	+ data-text-image-rowcontainer-bg-type-lg=""
	3639	+
	3640	+
	3641	+
	3642	+
	3643	+
	3644	+ data-text-image-rowcontainer-height-lg="0"
	3645	+ data-text-image-rowcontainer-width-lg="0"
	3646	+ data-text-image-rowcontainer-class-lg=""
	3647	+
	3648	+ data-text-image-rowcontainer-bg-type-md=""
	3649	+
	3650	+
	3651	+
	3652	+
	3653	+
	3654	+ data-text-image-rowcontainer-height-md="0"
	3655	+ data-text-image-rowcontainer-width-md="0"
	3656	+ data-text-image-rowcontainer-class-md=""
	3657	+
	3658	+ data-text-image-rowcontainer-bg-type-sm=""
	3659	+
	3660	+
	3661	+
	3662	+
	3663	+
	3664	+ data-text-image-rowcontainer-height-sm="0"
	3665	+ data-text-image-rowcontainer-width-sm="0"
	3666	+ data-text-image-rowcontainer-class-sm=""
	3667	+
	3668	+ data-text-image-rowcontainer-bg-type-xs=""
	3669	+
	3670	+
	3671	+
	3672	+
	3673	+
	3674	+ data-text-image-rowcontainer-height-xs="0"
	3675	+ data-text-image-rowcontainer-width-xs="0"
	3676	+ data-text-image-rowcontainer-class-xs="">
	3677	+
	3678	+ <div class="col-xs-12 text-image-text-container " ><h3 class="h3variant3">Other promotional rates<br>
	3679	+</h3>
	3680	+</div>
	3681	+ </div>
	3682	+
	3683	+
	3684	+
	3685	+
	3686	+
	3687	+
	3688	+
	3689	+
	3690	+
	3691	+
	3692	+
	3693	+ <script>
	3694	+
	3695	+ (function(){
	3696	+
	3697	+ var dataLayerViewEventName = '' \|\| '';
	3698	+ var dataLayerViewLayerProperties = [];
	3699	+ var $el;
	3700	+
	3701	+
	3702	+
	3703	+ if(dataLayerViewEventName.trim().length) {
	3704	+
	3705	+ var obj = {
	3706	+ dataLayerViewEventName: dataLayerViewEventName,
	3707	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_textandimage_copy_co" ,
	3708	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	3709	+ };
	3710	+
	3711	+ // IE11 trick (because IE11 don't know document.currentScript):
	3712	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	3713	+ if(document.currentScript){
	3714	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	3715	+ } else {
	3716	+ var scripts = document.getElementsByTagName( 'script' );
	3717	+ var currentScript = scripts[scripts.length - 1];
	3718	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	3719	+ }
	3720	+
	3721	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	3722	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	3723	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	3724	+
	3725	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	3726	+
	3727	+ }
	3728	+
	3729	+ })();
	3730	+
	3731	+ </script>
	3732	+
	3733	+</div>
	3734	+
	3735	+ <script>
	3736	+
	3737	+ /**
	3738	+ * clickEventDownloadHandler()
	3739	+ * Is used to handle download image action selected as an opening mode
	3740	+ *
	3741	+ */
	3742	+
	3743	+ var firstDownload = true;
	3744	+
	3745	+ function clickEventDownloadHandler() {
	3746	+
	3747	+ var link = this;
	3748	+ var filename = link.dataset.linkpath;
	3749	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	3750	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	3751	+
	3752	+ if (newFile) {
	3753	+
	3754	+ if (firstDownload) {
	3755	+ firstDownload = false;
	3756	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	3757	+ } else {
	3758	+ this.href = link.href;
	3759	+ }
	3760	+
	3761	+ this.download = fn;
	3762	+
	3763	+ } else {
	3764	+ this.download = fn + ".html";
	3765	+ }
	3766	+ }
	3767	+
	3768	+ </script></div>
	3769	+<div class="table parbase section">
	3770	+
	3771	+
	3772	+
	3773	+<script src="/etc.clientlibs/web-sites/components/table/clientlibs/site.min.3e37d1187a23edb74eb7c7bd2e36c4e6.js"></script>
	3774	+
	3775	+
	3776	+
	3777	+
	3778	+<div class="table-container">
	3779	+ <table class="bncr-table bncr-table-mobile" width="100%" cellspacing="0" cellpadding="1" border="1">
	3780	+ <tbody>
	3781	+ <tr class="no-border">
	3782	+ <th style="text-align: center; width: 50.0%;" class="separator">Term<br></th>
	3783	+ <th style="text-align: center; width: 25.0%;" class="separator">Interest rate</th>
	3784	+ <th style="text-align: center; width: 25.0%;" class="separator">APR<sup><a hrefnoextension="false" href="#notes-item-4f8cde8ad8" target="_self">2</a></sup></th>
	3785	+ </tr>
	3786	+ <tr>
	3787	+ <td><p style="margin-left: 40.0px;"><b>1 year </b>fixed rate<sup><a hrefnoextension="false" href="#notes-item-30819b1e37" target="_self">1</a></sup><br></p></td>
	3788	+ <td><p class="chapeau3" style="text-align: center;">5.49%<br></p></td>
	3789	+ <td><p class="chapeau3" style="text-align: center;">5.61%<a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">**</a></p></td>
	3790	+ </tr>
	3791	+ <tr>
	3792	+ <td><p style="margin-left: 40.0px;"><b>2 year </b>fixed rate<sup><a hrefnoextension="false" href="#notes-item-30819b1e37" target="_self">1</a></sup></p></td>
	3793	+ <td><p class="chapeau3" style="text-align: center;">4.84%<br></p></td>
	3794	+ <td><p class="chapeau3" style="text-align: center;">4.91%<a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">**</a></p></td>
	3795	+ </tr>
	3796	+ <tr>
	3797	+ <td><p style="margin-left: 40.0px;"><b>3 year </b>fixed rate<sup><a hrefnoextension="false" href="#notes-item-30819b1e37" target="_self">1</a></sup></p></td>
	3798	+ <td><p class="chapeau3" style="text-align: center;"><span static-token='tauxPromo3ansF\|percent:"true"'>${p1.tauxPromo3ansF\|percent:"true"}</span><br></p></td>
	3799	+ <td><p class="chapeau3" style="text-align: center;"><span static-token='tac3ans\|percent:"true"'>${p1.tac3ans\|percent:"true"}</span><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">**</a></p></td>
	3800	+ </tr>
	3801	+ <tr>
	3802	+ <td><p style="margin-left: 40.0px;"><b>4 year </b>fixed rate<sup><a hrefnoextension="false" href="#notes-item-30819b1e37" target="_self">1</a></sup></p></td>
	3803	+ <td><p class="chapeau3" style="text-align: center;"><span static-token='tauxPromo4ansF\|percent:"true"'>${p1.tauxPromo4ansF\|percent:"true"}</span><br></p></td>
	3804	+ <td><p class="chapeau3" style="text-align: center;"><span static-token='tac4ans\|percent:"true"'>${p1.tac4ans\|percent:"true"}</span><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">**</a></p></td>
	3805	+ </tr>
	3806	+ <tr>
	3807	+ <td><p style="margin-left: 40.0px;"><b>7 year </b>fixed rate<sup><a hrefnoextension="false" href="#notes-item-30819b1e37" target="_self">1</a></sup></p></td>
	3808	+ <td><p class="chapeau3" style="text-align: center;">5.26%<br></p></td>
	3809	+ <td><p class="chapeau3" style="text-align: center;">5.29%<a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">**</a></p></td>
	3810	+ </tr>
	3811	+ </tbody>
	3812	+</table>
	3813	+
	3814	+ <span class="table-carousel-arrow arrow-left"><i class="fa fa-angle-left"></i></span>
	3815	+ <span class="table-carousel-arrow arrow-right"><i class="fa fa-angle-right"></i></span>
	3816	+ <div class="table-carousel-dots"></div>
	3817	+</div>
	3818	+
	3819	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/table_copy_copy_copy">
	3820	+ new Websites.TableStatic({
	3821	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer/parsys/table_copy_copy_copy",
	3822	+ listeners: JSON.parse("[]".replace(new RegExp('\\["', 'g'), '[').replace(new RegExp('\\"]', 'g'), ']').replace(new RegExp('\\\\', 'g'), '')),
	3823	+ capsuleAlias: "c1",
	3824	+ staticHeader: !!(""), // use !! to convert to boolean
	3825	+ carousel: !!(""),
	3826	+ transposition: !!(""),
	3827	+ customId: ""
	3828	+ });
	3829	+</script>
	3830	+</div>
	3831	+<div class="textandimage parbase section">
	3832	+
	3833	+
	3834	+
	3835	+
	3836	+
	3837	+
	3838	+
	3839	+
	3840	+
	3841	+
	3842	+
	3843	+
	3844	+
	3845	+
	3846	+
	3847	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_textandimage_310874312" class="text-image-container "
	3848	+ data-text-image-container-right-left="false">
	3849	+
	3850	+
	3851	+
	3852	+
	3853	+
	3854	+
	3855	+
	3856	+
	3857	+
	3858	+ <div class="row text-image-row"
	3859	+ data-websites-component="/components/textandimage/rowcontainer"
	3860	+
	3861	+ data-text-image-rowcontainer-bg-type-lg="none"
	3862	+
	3863	+
	3864	+
	3865	+
	3866	+
	3867	+ data-text-image-rowcontainer-height-lg="0"
	3868	+ data-text-image-rowcontainer-width-lg="0"
	3869	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	3870	+
	3871	+ data-text-image-rowcontainer-bg-type-md="none"
	3872	+
	3873	+
	3874	+
	3875	+
	3876	+
	3877	+ data-text-image-rowcontainer-height-md="0"
	3878	+ data-text-image-rowcontainer-width-md="0"
	3879	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	3880	+
	3881	+ data-text-image-rowcontainer-bg-type-sm="none"
	3882	+
	3883	+
	3884	+
	3885	+
	3886	+
	3887	+ data-text-image-rowcontainer-height-sm="0"
	3888	+ data-text-image-rowcontainer-width-sm="0"
	3889	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	3890	+
	3891	+ data-text-image-rowcontainer-bg-type-xs="none"
	3892	+
	3893	+
	3894	+
	3895	+
	3896	+
	3897	+ data-text-image-rowcontainer-height-xs="0"
	3898	+ data-text-image-rowcontainer-width-xs="0"
	3899	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	3900	+
	3901	+ <div class="col-xs-12 text-image-text-container
	3902	+ initializing" ><p class="pvariant3"><b><br>
	3903	+ Rate (%) as at <span static-token='tauxDateJour\|date:"-"'>${p1.tauxDateJour\|date:"-"}</span></b></p></div>
	3904	+ </div>
	3905	+
	3906	+
	3907	+
	3908	+
	3909	+
	3910	+
	3911	+
	3912	+
	3913	+
	3914	+
	3915	+
	3916	+
	3917	+ <script>
	3918	+ (function(){
	3919	+ var $el;
	3920	+ var listeners = [];
	3921	+ var dataLayerViewEventName = '';
	3922	+ var dataLayerViewLayerProperties = [];
	3923	+
	3924	+ dataLayerViewEventName = '';
	3925	+
	3926	+
	3927	+
	3928	+
	3929	+
	3930	+ // IE11 trick (because IE11 don't know document.currentScript):
	3931	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	3932	+ if(document.currentScript){
	3933	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	3934	+ } else {
	3935	+ var scripts = document.getElementsByTagName( 'script' );
	3936	+ var currentScript = scripts[scripts.length - 1];
	3937	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	3938	+ }
	3939	+
	3940	+ Websites.Product.Core.initContentQueue.push(function () {
	3941	+ Websites.Product.TextContent.initTextContent({
	3942	+ $el: $el,
	3943	+ capsuleAlias: "c1",
	3944	+ listeners: listeners,
	3945	+ products: Websites.Product.Core.determineProductsArray("c1"),
	3946	+ dataLayerViewEvent: {
	3947	+ dataLayerViewEventName: dataLayerViewEventName,
	3948	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_parsys_textandimage_310874312" ,
	3949	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	3950	+ }
	3951	+ });
	3952	+ });
	3953	+ })();
	3954	+
	3955	+ </script>
	3956	+
	3957	+
	3958	+
	3959	+
	3960	+
	3961	+</div>
	3962	+
	3963	+ <script>
	3964	+
	3965	+ /**
	3966	+ * clickEventDownloadHandler()
	3967	+ * Is used to handle download image action selected as an opening mode
	3968	+ *
	3969	+ */
	3970	+
	3971	+ var firstDownload = true;
	3972	+
	3973	+ function clickEventDownloadHandler() {
	3974	+
	3975	+ var link = this;
	3976	+ var filename = link.dataset.linkpath;
	3977	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	3978	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	3979	+
	3980	+ if (newFile) {
	3981	+
	3982	+ if (firstDownload) {
	3983	+ firstDownload = false;
	3984	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	3985	+ } else {
	3986	+ this.href = link.href;
	3987	+ }
	3988	+
	3989	+ this.download = fn;
	3990	+
	3991	+ } else {
	3992	+ this.download = fn + ".html";
	3993	+ }
	3994	+ }
	3995	+
	3996	+ </script></div>
	3997	+
	3998	+</div>
	3999	+
	4000	+</div>
	4001	+
	4002	+
	4003	+
	4004	+<!--/* Initialize Js */-->
	4005	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer">
	4006	+ if(""){
	4007	+ new Websites.Sticky({
	4008	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer",
	4009	+ breakpoint: {
	4010	+ lg: {
	4011	+ to: ""
	4012	+ },
	4013	+ md: {
	4014	+ to: ""
	4015	+ },
	4016	+ sm: {
	4017	+ to: "none",
	4018	+ },
	4019	+ xs: {
	4020	+ to: "none"
	4021	+ }
	4022	+ }
	4023	+ });
	4024	+ }
	4025	+</script>
	4026	+
	4027	+</div>
	4028	+</div>
	4029	+<div class="panelContainer section">
	4030	+
	4031	+
	4032	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	4033	+
	4034	+
	4035	+
	4036	+ <div>
	4037	+
	4038	+
	4039	+
	4040	+
	4041	+
	4042	+
	4043	+
	4044	+
	4045	+
	4046	+
	4047	+
	4048	+
	4049	+
	4050	+
	4051	+
	4052	+
	4053	+
	4054	+
	4055	+
	4056	+
	4057	+
	4058	+
	4059	+
	4060	+<div class="panelContainer background-tertiary-lightGrey panel-border-radius "
	4061	+
	4062	+
	4063	+ data-websites-component="/components/panelContainer.v1"
	4064	+ data-panel-container-lg-mg=""
	4065	+ data-panel-container-lg-pd=""
	4066	+ data-panel-container-lg-ht=""
	4067	+ data-panel-container-md-mg=""
	4068	+ data-panel-container-md-pd=""
	4069	+ data-panel-container-md-ht=""
	4070	+ data-panel-container-sm-mg=""
	4071	+ data-panel-container-sm-pd=""
	4072	+ data-panel-container-sm-ht=""
	4073	+ data-panel-container-xs-mg=""
	4074	+ data-panel-container-xs-pd=""
	4075	+ data-panel-container-xs-ht=""
	4076	+ data-panel-container-limit="">
	4077	+ <div class="parsys"><div class="columns parbase section">
	4078	+
	4079	+
	4080	+
	4081	+
	4082	+<div data-emptytext="Responsive Columns" class="cq-placeholder"></div>
	4083	+
	4084	+
	4085	+
	4086	+
	4087	+
	4088	+
	4089	+
	4090	+
	4091	+
	4092	+
	4093	+
	4094	+
	4095	+
	4096	+ <div style=""
	4097	+ class="columns-row row row-eq-height"
	4098	+
	4099	+ data-style-lg="" data-height-lg=""
	4100	+ data-width-lg=""
	4101	+ data-background-color-lg=""
	4102	+ data-background-color-xs="">
	4103	+ <div style=""
	4104	+ class="col-xs-12 col-sm-12 columns-title "
	4105	+ data-height="" data-width=""
	4106	+ data-style-xs="" data-height-xs=""
	4107	+ data-width-xs="">
	4108	+
	4109	+ </div>
	4110	+
	4111	+
	4112	+
	4113	+
	4114	+ <div class="col-xs-12 col-sm-4 column col-first ">
	4115	+ <div class="parsys1 parsys"><div class="panelContainer section">
	4116	+
	4117	+
	4118	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	4119	+
	4120	+
	4121	+
	4122	+ <div>
	4123	+
	4124	+
	4125	+
	4126	+
	4127	+
	4128	+
	4129	+
	4130	+
	4131	+
	4132	+
	4133	+
	4134	+
	4135	+
	4136	+
	4137	+
	4138	+
	4139	+
	4140	+
	4141	+
	4142	+
	4143	+
	4144	+
	4145	+
	4146	+<div class="panelContainer background-secondary-white "
	4147	+
	4148	+
	4149	+ data-websites-component="/components/panelContainer.v1"
	4150	+ data-panel-container-lg-mg=""
	4151	+ data-panel-container-lg-pd="0px 0px 10px 0px"
	4152	+ data-panel-container-lg-ht=""
	4153	+ data-panel-container-md-mg=""
	4154	+ data-panel-container-md-pd="0px 0px 40px 0px"
	4155	+ data-panel-container-md-ht=""
	4156	+ data-panel-container-sm-mg=""
	4157	+ data-panel-container-sm-pd=""
	4158	+ data-panel-container-sm-ht="320px"
	4159	+ data-panel-container-xs-mg=""
	4160	+ data-panel-container-xs-pd=""
	4161	+ data-panel-container-xs-ht=""
	4162	+ data-panel-container-limit="">
	4163	+ <div class="parsys"><div class="textandimage parbase section">
	4164	+
	4165	+
	4166	+
	4167	+
	4168	+
	4169	+
	4170	+
	4171	+
	4172	+
	4173	+
	4174	+
	4175	+
	4176	+
	4177	+
	4178	+
	4179	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_copy__parsys_columns_parsys1_panelcontainer_parsys_textandimage" class="text-image-container "
	4180	+ data-text-image-container-right-left="false">
	4181	+
	4182	+
	4183	+
	4184	+
	4185	+
	4186	+
	4187	+
	4188	+
	4189	+
	4190	+ <div class="row text-image-row"
	4191	+ data-websites-component="/components/textandimage/rowcontainer"
	4192	+
	4193	+ data-text-image-rowcontainer-bg-type-lg="none"
	4194	+
	4195	+
	4196	+
	4197	+
	4198	+
	4199	+ data-text-image-rowcontainer-height-lg="0"
	4200	+ data-text-image-rowcontainer-width-lg="0"
	4201	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	4202	+
	4203	+ data-text-image-rowcontainer-bg-type-md="none"
	4204	+
	4205	+
	4206	+
	4207	+
	4208	+
	4209	+ data-text-image-rowcontainer-height-md="0"
	4210	+ data-text-image-rowcontainer-width-md="0"
	4211	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	4212	+
	4213	+ data-text-image-rowcontainer-bg-type-sm="none"
	4214	+
	4215	+
	4216	+
	4217	+
	4218	+
	4219	+ data-text-image-rowcontainer-height-sm="0"
	4220	+ data-text-image-rowcontainer-width-sm="0"
	4221	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	4222	+
	4223	+ data-text-image-rowcontainer-bg-type-xs="none"
	4224	+
	4225	+
	4226	+
	4227	+
	4228	+
	4229	+ data-text-image-rowcontainer-height-xs="0"
	4230	+ data-text-image-rowcontainer-width-xs="0"
	4231	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	4232	+
	4233	+
	4234	+
	4235	+
	4236	+
	4237	+
	4238	+
	4239	+
	4240	+
	4241	+
	4242	+
	4243	+
	4244	+
	4245	+
	4246	+ <div class="col-xs-12 text-image-image-container" >
	4247	+
	4248	+
	4249	+
	4250	+ <div>
	4251	+
	4252	+
	4253	+
	4254	+
	4255	+
	4256	+
	4257	+ <picture>
	4258	+
	4259	+
	4260	+
	4261	+
	4262	+
	4263	+
	4264	+
	4265	+
	4266	+
	4267	+
	4268	+
	4269	+
	4270	+
	4271	+ <source srcset="/content/dam/bnc/particuliers/img/img-maillage-bandeau-offre-duo.png" media="(max-width: 767px)">
	4272	+
	4273	+
	4274	+
	4275	+
	4276	+
	4277	+
	4278	+
	4279	+
	4280	+
	4281	+
	4282	+
	4283	+
	4284	+
	4285	+
	4286	+
	4287	+
	4288	+
	4289	+
	4290	+
	4291	+
	4292	+
	4293	+
	4294	+
	4295	+
	4296	+ <source srcset="/content/dam/bnc/particuliers/img/img-maillage-bandeau-offre-duo.png" media="(max-width: 991px)">
	4297	+
	4298	+
	4299	+
	4300	+
	4301	+
	4302	+
	4303	+
	4304	+
	4305	+
	4306	+
	4307	+
	4308	+
	4309	+
	4310	+
	4311	+
	4312	+
	4313	+
	4314	+
	4315	+
	4316	+
	4317	+
	4318	+
	4319	+
	4320	+
	4321	+ <source srcset="/content/dam/bnc/particuliers/img/img-maillage-bandeau-offre-duo.png" media="(max-width: 1199px)">
	4322	+
	4323	+
	4324	+
	4325	+
	4326	+
	4327	+
	4328	+
	4329	+
	4330	+
	4331	+
	4332	+
	4333	+
	4334	+
	4335	+
	4336	+ <source srcset="/content/dam/bnc/particuliers/img/img-maillage-bandeau-offre-duo.png" media="(min-width: 1200px)">
	4337	+
	4338	+
	4339	+
	4340	+
	4341	+ <img src='/content/dam/bnc/particuliers/img/img-maillage-bandeau-offre-duo.png' srcset='/content/dam/bnc/particuliers/img/img-maillage-bandeau-offre-duo.png' data-websites-component="/components/textandimage/image" alt="" data-picture-alttext-lg="" data-picture-alttext-md="" data-picture-alttext-sm="" data-picture-alttext-xs="" class="center-block image-responsive">
	4342	+ </picture>
	4343	+
	4344	+
	4345	+
	4346	+ <script type="text/javascript">
	4347	+
	4348	+ var Websites = Websites \|\| {};
	4349	+ Websites.FragmentPicture = Websites.FragmentPicture \|\| {
	4350	+ init: function(viewport) {
	4351	+ Websites.FragmentPicture.loadAlternativeText(viewport);
	4352	+ },
	4353	+
	4354	+ loadAlternativeText: function(viewport) {
	4355	+ $('[data-websites-component="/components/textandimage/image"]').each(function(){
	4356	+ if(viewport.is("xs") ) {
	4357	+ $(this).attr("alt", $(this).data("picture-alttext-xs"));
	4358	+ } else if(viewport.is("sm") ) {
	4359	+ $(this).attr("alt", $(this).data("picture-alttext-sm"));
	4360	+ } else if(viewport.is("md") ) {
	4361	+ $(this).attr("alt", $(this).data("picture-alttext-md"));
	4362	+ } else if(viewport.is("lg") ) {
	4363	+ $(this).attr("alt", $(this).data("picture-alttext-lg"));
	4364	+ }
	4365	+ });
	4366	+ }
	4367	+ };
	4368	+
	4369	+ $(document).ready(function(){
	4370	+ Websites.FragmentPicture.loadAlternativeText(ResponsiveBootstrapToolkit);
	4371	+ });
	4372	+
	4373	+ Websites.Events.onBreakpointChanged(function(){
	4374	+ Websites.FragmentPicture.loadAlternativeText(ResponsiveBootstrapToolkit);
	4375	+ });
	4376	+ </script>
	4377	+
	4378	+
	4379	+
	4380	+
	4381	+
	4382	+ </div>
	4383	+
	4384	+
	4385	+
	4386	+</div>
	4387	+<div
	4388	+ class="col-xs-12 text-image-text-container "
	4389	+
	4390	+ data-websites-component="/components/textandimage/text"
	4391	+ data-text-image-text-container-style-xs="{'padding-top': '0px'}"
	4392	+ data-text-image-text-container-style-sm="{'padding-top': '0px'}"
	4393	+ data-text-image-text-container-style-md="{'padding-top': '0px'}"
	4394	+ data-text-image-text-container-style-lg="{'padding-top': '0px'}"></div>
	4395	+
	4396	+
	4397	+
	4398	+
	4399	+
	4400	+
	4401	+
	4402	+
	4403	+
	4404	+ </div>
	4405	+
	4406	+
	4407	+
	4408	+
	4409	+
	4410	+
	4411	+
	4412	+
	4413	+
	4414	+
	4415	+
	4416	+
	4417	+ <script>
	4418	+
	4419	+ (function(){
	4420	+
	4421	+ var dataLayerViewEventName = '' \|\| '';
	4422	+ var dataLayerViewLayerProperties = [];
	4423	+ var $el;
	4424	+
	4425	+
	4426	+
	4427	+ if(dataLayerViewEventName.trim().length) {
	4428	+
	4429	+ var obj = {
	4430	+ dataLayerViewEventName: dataLayerViewEventName,
	4431	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_copy__parsys_columns_parsys1_panelcontainer_parsys_textandimage" ,
	4432	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	4433	+ };
	4434	+
	4435	+ // IE11 trick (because IE11 don't know document.currentScript):
	4436	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	4437	+ if(document.currentScript){
	4438	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	4439	+ } else {
	4440	+ var scripts = document.getElementsByTagName( 'script' );
	4441	+ var currentScript = scripts[scripts.length - 1];
	4442	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	4443	+ }
	4444	+
	4445	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	4446	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	4447	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	4448	+
	4449	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	4450	+
	4451	+ }
	4452	+
	4453	+ })();
	4454	+
	4455	+ </script>
	4456	+
	4457	+</div>
	4458	+
	4459	+ <script>
	4460	+
	4461	+ /**
	4462	+ * clickEventDownloadHandler()
	4463	+ * Is used to handle download image action selected as an opening mode
	4464	+ *
	4465	+ */
	4466	+
	4467	+ var firstDownload = true;
	4468	+
	4469	+ function clickEventDownloadHandler() {
	4470	+
	4471	+ var link = this;
	4472	+ var filename = link.dataset.linkpath;
	4473	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	4474	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	4475	+
	4476	+ if (newFile) {
	4477	+
	4478	+ if (firstDownload) {
	4479	+ firstDownload = false;
	4480	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	4481	+ } else {
	4482	+ this.href = link.href;
	4483	+ }
	4484	+
	4485	+ this.download = fn;
	4486	+
	4487	+ } else {
	4488	+ this.download = fn + ".html";
	4489	+ }
	4490	+ }
	4491	+
	4492	+ </script></div>
	4493	+
	4494	+</div>
	4495	+
	4496	+</div>
	4497	+
	4498	+
	4499	+
	4500	+<!--/* Initialize Js */-->
	4501	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer_copy_/parsys/columns/parsys1/panelcontainer">
	4502	+ if(""){
	4503	+ new Websites.Sticky({
	4504	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_801429889/parsys/panelcontainer_copy_/parsys/columns/parsys1/panelcontainer",
	4505	+ breakpoint: {
	4506	+ lg: {
	4507	+ to: "none"
	4508	+ },
	4509	+ md: {
	4510	+ to: "none"
	4511	+ },
	4512	+ sm: {
	4513	+ to: "none",
	4514	+ },
	4515	+ xs: {
	4516	+ to: "none"
	4517	+ }
	4518	+ }
	4519	+ });
	4520	+ }
	4521	+</script>
	4522	+
	4523	+</div>
	4524	+</div>
	4525	+
	4526	+</div>
	4527	+
	4528	+ </div>
	4529	+
	4530	+ <div class="col-xs-12 col-sm-8 column col-last ">
	4531	+ <div class="parsys2 parsys"><div class="panelContainer section">
	4532	+
	4533	+
	4534	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	4535	+
	4536	+
	4537	+
	4538	+ <div>
	4539	+
	4540	+
	4541	+
	4542	+
	4543	+
	4544	+
	4545	+
	4546	+
	4547	+
	4548	+
	4549	+
	4550	+
	4551	+
	4552	+
	4553	+
	4554	+
	4555	+
	4556	+
	4557	+
	4558	+
	4559	+
	4560	+
	4561	+
	4562	+<div class="panelContainer "
	4563	+
	4564	+
	4565	+ data-websites-component="/components/panelContainer.v1"
	4566	+ data-panel-container-lg-mg=""
	4567	+ data-panel-container-lg-pd="10px 20px"
	4568	+ data-panel-container-lg-ht=""
	4569	+ data-panel-container-md-mg=""
	4570	+ data-panel-container-md-pd="0px 10px"
	4571	+ data-panel-container-md-ht=""
	4572	+ data-panel-container-sm-mg=""
	4573	+ data-panel-container-sm-pd="10px 20px"
	4574	+ data-panel-container-sm-ht=""
	4575	+ data-panel-container-xs-mg=""
	4576	+ data-panel-container-xs-pd="10px 20px"
	4577	+ data-panel-container-xs-ht=""
	4578	+ data-panel-container-limit="">
	4579	+ <div class="parsys"><div class="textandimage parbase section">
	4580	+
	4581	+
	4582	+
	4583	+
	4584	+
	4585	+
	4586	+
	4587	+
	4588	+
	4589	+
	4590	+
	4591	+
	4592	+
	4593	+
	4594	+
	4595	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_801429889_parsys_panelcontainer_copy__parsys_columns_parsys2_panelcontainer_parsys_textandimage" class="text-image-container "
	4596	+ data-text-image-container-right-left="false">
	4597	+
	4598	+
	4599	+
	4600	+
	4601	+
	4602	+
	4603	+
	4604	+
	4605	+
	4606	+ <div class="row text-image-row"
	4607	+ data-websites-component="/components/textandimage/rowcontainer"
	4608	+
	4609	+ data-text-image-rowcontainer-bg-type-lg=""
	4610	+
	4611	+
	4612	+
	4613	+
	4614	+
	4615	+ data-text-image-rowcontainer-height-lg="0"
	4616	+ data-text-image-rowcontainer-width-lg="0"
	4617	+ data-text-image-rowcontainer-class-lg=""
	4618	+
	4619	+ data-text-image-rowcontainer-bg-type-md=""
	4620	+
	4621	+
	4622	+
	4623	+
	4624	+
	4625	+ data-text-image-rowcontainer-height-md="0"
	4626	+ data-text-image-rowcontainer-width-md="0"
	4627	+ data-text-image-rowcontainer-class-md=""
	4628	+
	4629	+ data-text-image-rowcontainer-bg-type-sm=""
	4630	+
	4631	+
	4632	+
	4633	+
	4634	+
	4635	+ data-text-image-rowcontainer-height-sm="0"
	4636	+ data-text-image-rowcontainer-width-sm="0"
	4637	+ data-text-image-rowcontainer-class-sm=""
	4638	+
	4639	+ data-text-image-rowcontainer-bg-type-xs=""
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	4645	+ data-text-image-rowcontainer-height-xs="0"
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	4647	+ data-text-image-rowcontainer-class-xs="">
	4648	+
	4649	+ <div class="col-xs-12 text-image-text-container " ><h2 class="h2variant3" style="text-align: left;"><b>Take advantage of our mortgage offers</b></h2>
	4650	+<p class="pvariant3" style="text-align: left;">Bundle your mortgage, new investments, and mortgage loan insurance to unlock additional cashback opportunities.*</p>
	4651	+<p class="pvariant3" style="text-align: left;"><a role="button" tabindex="0" onkeyup="if(event.key === ' ') this.click();" href="/personal/mortgages/offers.html" class="btnRTE3 btn-arrow btn" target="_self" hrefnoextension="false">Discover our offers</a></p>
	4652	+<p class="legalnotes3" style="text-align: left;">*For a limited time. Conditions and restrictions apply. </p>
	4653	+</div>
	4654	+ </div>
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	4897	+<div data-emptytext="HTML Component" class="cq-placeholder"></div>
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	4899	+ @media (min-width: 1200px) {
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	4907	+.bncr-banner.promo .chapeau3 {
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	4915	+height: 380px !important;
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	4921	+.bncr-banner .text-image-text-container {
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	4923	+}
	4924	+}
	4925	+ @media (max-width: 480px) {
	4926	+ .bncr-banner.promo .text-image-text-container {
	4927	+ margin-top: 35px !important;
	4928	+ height: 300px !important;
	4929	+ }
	4930	+ }
	4931	+</style>
	4932	+</div>
	4933	+
	4934	+</div>
	4935	+
	4936	+</div>
	4937	+
	4938	+
	4939	+
	4940	+<!--/* Initialize Js */-->
	4941	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_copy">
	4942	+ if(""){
	4943	+ new Websites.Sticky({
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	4960	+ }
	4961	+</script>
	4962	+
	4963	+</div>
	4964	+</div>
	4965	+<div class="panelContainer section">
	4966	+
	4967	+
	4968	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
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	4970	+
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	4996	+<div class="panelContainer "
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	4998	+
	4999	+ data-websites-component="/components/panelContainer.v1"
	5000	+ data-panel-container-lg-mg=""
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	5005	+ data-panel-container-md-ht=""
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	5010	+ data-panel-container-xs-pd=""
	5011	+ data-panel-container-xs-ht=""
	5012	+ data-panel-container-limit="">
	5013	+ <div class="parsys"><div class="panelContainer section">
	5014	+
	5015	+
	5016	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	5017	+
	5018	+
	5019	+
	5020	+ <div>
	5021	+
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	5040	+
	5041	+
	5042	+
	5043	+
	5044	+<div class="panelContainer panelContainerStyle2 "
	5045	+
	5046	+
	5047	+ data-websites-component="/components/panelContainer.v1"
	5048	+ data-panel-container-lg-mg=""
	5049	+ data-panel-container-lg-pd=""
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	5128	+
	5129	+
	5130	+
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	5136	+ <div class="row text-image-row"
	5137	+ data-websites-component="/components/textandimage/rowcontainer"
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	5163	+
	5164	+
	5165	+ data-text-image-rowcontainer-height-sm="0"
	5166	+ data-text-image-rowcontainer-width-sm="0"
	5167	+ data-text-image-rowcontainer-class-sm=""
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	5175	+ data-text-image-rowcontainer-height-xs="0"
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	5177	+ data-text-image-rowcontainer-class-xs="">
	5178	+
	5179	+ <div class="col-xs-12 text-image-text-container " ><h2>How to protect yourself against rising mortgage rates</h2>
	5180	+<p><br>
	5181	+Several factors affect mortgage rates, including amortization period, market conditions and the key rate set by the Bank of Canada. While there are no guarantees that another hike is on the way, the key rate will be revised again 8 times a year. <a hrefnoextension="false" href="https://www.bankofcanada.ca/core-functions/monetary-policy/key-interest-rate/?theme_mode=light&_gl=11xq7n2x_gaMTQ4NTE1NDUzOS4xNzA3MzI0MDIw_ga_D0WRRH3RZH*MTcwNzMyNDAyMC4xLjAuMTcwNzMyNDAyMy41Ny4wLjA." class="link-underlined__darker" target="_blank">View dates</a></p>
	5182	+<p><b>Planning to buy a home within the next few months? </b></p>
	5183	+<p>Apply for pre-approval online today. There’s no obligation to take out a loan, but your rate will be protected for 120 days<a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false"><sup>9</sup></a> — so you can shop for a home with peace of mind. </p>
	5184	+<p><br>
	5185	+<b>Need help? </b></p>
	5186	+<p>A mortgage advisor can help you complete your application so you can enjoy additional savings.</p>
	5187	+</div>
	5188	+ </div>
	5189	+
	5190	+
	5191	+
	5192	+
	5193	+
	5194	+
	5195	+
	5196	+
	5197	+
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	5200	+ <script>
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	5268	+ this.download = fn;
	5269	+
	5270	+ } else {
	5271	+ this.download = fn + ".html";
	5272	+ }
	5273	+ }
	5274	+
	5275	+ </script></div>
	5276	+<div class="columns parbase section">
	5277	+
	5278	+
	5279	+
	5280	+
	5281	+<div data-emptytext="Responsive Columns" class="cq-placeholder"></div>
	5282	+
	5283	+
	5284	+
	5285	+
	5286	+
	5287	+
	5288	+
	5289	+
	5290	+
	5291	+
	5292	+
	5293	+
	5294	+
	5295	+ <div style=""
	5296	+ class="columns-row row row-eq-height"
	5297	+
	5298	+ data-style-lg="" data-height-lg=""
	5299	+ data-width-lg=""
	5300	+ data-background-color-lg=""
	5301	+ data-background-color-xs="">
	5302	+ <div style=""
	5303	+ class="col-xs-12 col-sm-12 columns-title "
	5304	+ data-height="" data-width=""
	5305	+ data-style-xs="" data-height-xs=""
	5306	+ data-width-xs="">
	5307	+
	5308	+ </div>
	5309	+
	5310	+
	5311	+
	5312	+
	5313	+ <div class="col-xs-12 col-sm-3 column col-first ">
	5314	+ <div class="parsys1 parsys">
	5315	+</div>
	5316	+
	5317	+ </div>
	5318	+
	5319	+ <div class="col-xs-12 col-sm-3 column ">
	5320	+ <div class="parsys2 parsys"><div class="textandimage parbase section">
	5321	+
	5322	+
	5323	+
	5324	+
	5325	+
	5326	+
	5327	+
	5328	+
	5329	+
	5330	+
	5331	+
	5332	+
	5333	+
	5334	+
	5335	+
	5336	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_14340_parsys_columns_copy_copy_co_parsys2_textandimage_1540660" class="text-image-container "
	5337	+ data-text-image-container-right-left="false">
	5338	+
	5339	+
	5340	+
	5341	+
	5342	+
	5343	+
	5344	+
	5345	+
	5346	+
	5347	+ <div class="row text-image-row"
	5348	+ data-websites-component="/components/textandimage/rowcontainer"
	5349	+
	5350	+ data-text-image-rowcontainer-bg-type-lg=""
	5351	+
	5352	+
	5353	+
	5354	+
	5355	+
	5356	+ data-text-image-rowcontainer-height-lg="0"
	5357	+ data-text-image-rowcontainer-width-lg="0"
	5358	+ data-text-image-rowcontainer-class-lg=""
	5359	+
	5360	+ data-text-image-rowcontainer-bg-type-md=""
	5361	+
	5362	+
	5363	+
	5364	+
	5365	+
	5366	+ data-text-image-rowcontainer-height-md="0"
	5367	+ data-text-image-rowcontainer-width-md="0"
	5368	+ data-text-image-rowcontainer-class-md=""
	5369	+
	5370	+ data-text-image-rowcontainer-bg-type-sm=""
	5371	+
	5372	+
	5373	+
	5374	+
	5375	+
	5376	+ data-text-image-rowcontainer-height-sm="0"
	5377	+ data-text-image-rowcontainer-width-sm="0"
	5378	+ data-text-image-rowcontainer-class-sm=""
	5379	+
	5380	+ data-text-image-rowcontainer-bg-type-xs=""
	5381	+
	5382	+
	5383	+
	5384	+
	5385	+
	5386	+ data-text-image-rowcontainer-height-xs="0"
	5387	+ data-text-image-rowcontainer-width-xs="0"
	5388	+ data-text-image-rowcontainer-class-xs="">
	5389	+
	5390	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><a role="button" tabindex="0" onkeyup="if(event.key === ' ') this.click();" href="https://app.bnc.ca/forms/mortgage/preauth?lang=en" class="btnRTE3 btn-arrow btn" target="_blank" hrefnoextension="false">Protect my rate</a></p>
	5391	+</div>
	5392	+ </div>
	5393	+
	5394	+
	5395	+
	5396	+
	5397	+
	5398	+
	5399	+
	5400	+
	5401	+
	5402	+
	5403	+
	5404	+ <script>
	5405	+
	5406	+ (function(){
	5407	+
	5408	+ var dataLayerViewEventName = '' \|\| '';
	5409	+ var dataLayerViewLayerProperties = [];
	5410	+ var $el;
	5411	+
	5412	+
	5413	+
	5414	+ if(dataLayerViewEventName.trim().length) {
	5415	+
	5416	+ var obj = {
	5417	+ dataLayerViewEventName: dataLayerViewEventName,
	5418	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_14340_parsys_columns_copy_copy_co_parsys2_textandimage_1540660" ,
	5419	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	5420	+ };
	5421	+
	5422	+ // IE11 trick (because IE11 don't know document.currentScript):
	5423	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	5424	+ if(document.currentScript){
	5425	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	5426	+ } else {
	5427	+ var scripts = document.getElementsByTagName( 'script' );
	5428	+ var currentScript = scripts[scripts.length - 1];
	5429	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	5430	+ }
	5431	+
	5432	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	5433	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	5434	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	5435	+
	5436	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	5437	+
	5438	+ }
	5439	+
	5440	+ })();
	5441	+
	5442	+ </script>
	5443	+
	5444	+</div>
	5445	+
	5446	+ <script>
	5447	+
	5448	+ /**
	5449	+ * clickEventDownloadHandler()
	5450	+ * Is used to handle download image action selected as an opening mode
	5451	+ *
	5452	+ */
	5453	+
	5454	+ var firstDownload = true;
	5455	+
	5456	+ function clickEventDownloadHandler() {
	5457	+
	5458	+ var link = this;
	5459	+ var filename = link.dataset.linkpath;
	5460	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	5461	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	5462	+
	5463	+ if (newFile) {
	5464	+
	5465	+ if (firstDownload) {
	5466	+ firstDownload = false;
	5467	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	5468	+ } else {
	5469	+ this.href = link.href;
	5470	+ }
	5471	+
	5472	+ this.download = fn;
	5473	+
	5474	+ } else {
	5475	+ this.download = fn + ".html";
	5476	+ }
	5477	+ }
	5478	+
	5479	+ </script></div>
	5480	+
	5481	+</div>
	5482	+
	5483	+ </div>
	5484	+
	5485	+ <div class="col-xs-12 col-sm-3 column ">
	5486	+ <div class="parsys3 parsys"><div class="textandimage parbase section">
	5487	+
	5488	+
	5489	+
	5490	+
	5491	+
	5492	+
	5493	+
	5494	+
	5495	+
	5496	+
	5497	+
	5498	+
	5499	+
	5500	+
	5501	+
	5502	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_14340_parsys_columns_copy_copy_co_parsys3_textandimage_1540660" class="text-image-container "
	5503	+ data-text-image-container-right-left="false">
	5504	+
	5505	+
	5506	+
	5507	+
	5508	+
	5509	+
	5510	+
	5511	+
	5512	+
	5513	+ <div class="row text-image-row"
	5514	+ data-websites-component="/components/textandimage/rowcontainer"
	5515	+
	5516	+ data-text-image-rowcontainer-bg-type-lg=""
	5517	+
	5518	+
	5519	+
	5520	+
	5521	+
	5522	+ data-text-image-rowcontainer-height-lg="0"
	5523	+ data-text-image-rowcontainer-width-lg="0"
	5524	+ data-text-image-rowcontainer-class-lg=""
	5525	+
	5526	+ data-text-image-rowcontainer-bg-type-md=""
	5527	+
	5528	+
	5529	+
	5530	+
	5531	+
	5532	+ data-text-image-rowcontainer-height-md="0"
	5533	+ data-text-image-rowcontainer-width-md="0"
	5534	+ data-text-image-rowcontainer-class-md=""
	5535	+
	5536	+ data-text-image-rowcontainer-bg-type-sm=""
	5537	+
	5538	+
	5539	+
	5540	+
	5541	+
	5542	+ data-text-image-rowcontainer-height-sm="0"
	5543	+ data-text-image-rowcontainer-width-sm="0"
	5544	+ data-text-image-rowcontainer-class-sm=""
	5545	+
	5546	+ data-text-image-rowcontainer-bg-type-xs=""
	5547	+
	5548	+
	5549	+
	5550	+
	5551	+
	5552	+ data-text-image-rowcontainer-height-xs="0"
	5553	+ data-text-image-rowcontainer-width-xs="0"
	5554	+ data-text-image-rowcontainer-class-xs="">
	5555	+
	5556	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><a role="button" tabindex="0" onkeyup="if(event.key === ' ') this.click();" href="https://retail.appointment.bnc.ca/service?category=mo&lang=en&utm_medium=BNCWEBCA&utm_source=14" class="link-not-underlined__darker" target="_blank" hrefnoextension="false">Make an appointment</a></p>
	5557	+</div>
	5558	+ </div>
	5559	+
	5560	+
	5561	+
	5562	+
	5563	+
	5564	+
	5565	+
	5566	+
	5567	+
	5568	+
	5569	+
	5570	+ <script>
	5571	+
	5572	+ (function(){
	5573	+
	5574	+ var dataLayerViewEventName = '' \|\| '';
	5575	+ var dataLayerViewLayerProperties = [];
	5576	+ var $el;
	5577	+
	5578	+
	5579	+
	5580	+ if(dataLayerViewEventName.trim().length) {
	5581	+
	5582	+ var obj = {
	5583	+ dataLayerViewEventName: dataLayerViewEventName,
	5584	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_14340_parsys_columns_copy_copy_co_parsys3_textandimage_1540660" ,
	5585	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	5586	+ };
	5587	+
	5588	+ // IE11 trick (because IE11 don't know document.currentScript):
	5589	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	5590	+ if(document.currentScript){
	5591	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	5592	+ } else {
	5593	+ var scripts = document.getElementsByTagName( 'script' );
	5594	+ var currentScript = scripts[scripts.length - 1];
	5595	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	5596	+ }
	5597	+
	5598	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	5599	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	5600	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	5601	+
	5602	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	5603	+
	5604	+ }
	5605	+
	5606	+ })();
	5607	+
	5608	+ </script>
	5609	+
	5610	+</div>
	5611	+
	5612	+ <script>
	5613	+
	5614	+ /**
	5615	+ * clickEventDownloadHandler()
	5616	+ * Is used to handle download image action selected as an opening mode
	5617	+ *
	5618	+ */
	5619	+
	5620	+ var firstDownload = true;
	5621	+
	5622	+ function clickEventDownloadHandler() {
	5623	+
	5624	+ var link = this;
	5625	+ var filename = link.dataset.linkpath;
	5626	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	5627	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	5628	+
	5629	+ if (newFile) {
	5630	+
	5631	+ if (firstDownload) {
	5632	+ firstDownload = false;
	5633	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	5634	+ } else {
	5635	+ this.href = link.href;
	5636	+ }
	5637	+
	5638	+ this.download = fn;
	5639	+
	5640	+ } else {
	5641	+ this.download = fn + ".html";
	5642	+ }
	5643	+ }
	5644	+
	5645	+ </script></div>
	5646	+
	5647	+</div>
	5648	+
	5649	+ </div>
	5650	+
	5651	+ <div class="col-xs-12 col-sm-3 column col-last ">
	5652	+ <div class="parsys4 parsys">
	5653	+</div>
	5654	+
	5655	+ </div>
	5656	+
	5657	+ </div>
	5658	+
	5659	+
	5660	+
	5661	+</div>
	5662	+
	5663	+</div>
	5664	+
	5665	+</div>
	5666	+
	5667	+
	5668	+
	5669	+<!--/* Initialize Js */-->
	5670	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_14340">
	5671	+ if(""){
	5672	+ new Websites.Sticky({
	5673	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_14340",
	5674	+ breakpoint: {
	5675	+ lg: {
	5676	+ to: "none"
	5677	+ },
	5678	+ md: {
	5679	+ to: "none"
	5680	+ },
	5681	+ sm: {
	5682	+ to: "none",
	5683	+ },
	5684	+ xs: {
	5685	+ to: "none"
	5686	+ }
	5687	+ }
	5688	+ });
	5689	+ }
	5690	+</script>
	5691	+
	5692	+</div>
	5693	+</div>
	5694	+<div class="panelContainer section">
	5695	+
	5696	+
	5697	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	5698	+
	5699	+
	5700	+
	5701	+ <div>
	5702	+
	5703	+
	5704	+
	5705	+
	5706	+
	5707	+
	5708	+
	5709	+
	5710	+
	5711	+
	5712	+
	5713	+
	5714	+
	5715	+
	5716	+
	5717	+
	5718	+
	5719	+
	5720	+
	5721	+
	5722	+
	5723	+
	5724	+
	5725	+<div class="panelContainer "
	5726	+
	5727	+
	5728	+ data-websites-component="/components/panelContainer.v1"
	5729	+ data-panel-container-lg-mg="5% 0 0 0"
	5730	+ data-panel-container-lg-pd=""
	5731	+ data-panel-container-lg-ht=""
	5732	+ data-panel-container-md-mg="5% 0 0 0"
	5733	+ data-panel-container-md-pd=""
	5734	+ data-panel-container-md-ht=""
	5735	+ data-panel-container-sm-mg="5% 0 0 0"
	5736	+ data-panel-container-sm-pd=""
	5737	+ data-panel-container-sm-ht=""
	5738	+ data-panel-container-xs-mg="5% 0 0 0"
	5739	+ data-panel-container-xs-pd=""
	5740	+ data-panel-container-xs-ht=""
	5741	+ data-panel-container-limit="">
	5742	+ <div class="parsys"><div class="textandimage parbase section">
	5743	+
	5744	+
	5745	+
	5746	+
	5747	+
	5748	+
	5749	+
	5750	+
	5751	+
	5752	+
	5753	+
	5754	+
	5755	+
	5756	+
	5757	+
	5758	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_textandimage_copy" class="text-image-container "
	5759	+ data-text-image-container-right-left="false">
	5760	+
	5761	+
	5762	+
	5763	+
	5764	+
	5765	+
	5766	+
	5767	+
	5768	+
	5769	+ <div class="row text-image-row"
	5770	+ data-websites-component="/components/textandimage/rowcontainer"
	5771	+
	5772	+ data-text-image-rowcontainer-bg-type-lg=""
	5773	+
	5774	+
	5775	+
	5776	+
	5777	+
	5778	+ data-text-image-rowcontainer-height-lg="0"
	5779	+ data-text-image-rowcontainer-width-lg="0"
	5780	+ data-text-image-rowcontainer-class-lg=""
	5781	+
	5782	+ data-text-image-rowcontainer-bg-type-md=""
	5783	+
	5784	+
	5785	+
	5786	+
	5787	+
	5788	+ data-text-image-rowcontainer-height-md="0"
	5789	+ data-text-image-rowcontainer-width-md="0"
	5790	+ data-text-image-rowcontainer-class-md=""
	5791	+
	5792	+ data-text-image-rowcontainer-bg-type-sm=""
	5793	+
	5794	+
	5795	+
	5796	+
	5797	+
	5798	+ data-text-image-rowcontainer-height-sm="0"
	5799	+ data-text-image-rowcontainer-width-sm="0"
	5800	+ data-text-image-rowcontainer-class-sm=""
	5801	+
	5802	+ data-text-image-rowcontainer-bg-type-xs=""
	5803	+
	5804	+
	5805	+
	5806	+
	5807	+
	5808	+ data-text-image-rowcontainer-height-xs="0"
	5809	+ data-text-image-rowcontainer-width-xs="0"
	5810	+ data-text-image-rowcontainer-class-xs="">
	5811	+
	5812	+ <div class="col-xs-12 text-image-text-container " ><h2 class="h2variant3">Do your calculations<br>
	5813	+</h2>
	5814	+</div>
	5815	+ </div>
	5816	+
	5817	+
	5818	+
	5819	+
	5820	+
	5821	+
	5822	+
	5823	+
	5824	+
	5825	+
	5826	+
	5827	+ <script>
	5828	+
	5829	+ (function(){
	5830	+
	5831	+ var dataLayerViewEventName = '' \|\| '';
	5832	+ var dataLayerViewLayerProperties = [];
	5833	+ var $el;
	5834	+
	5835	+
	5836	+
	5837	+ if(dataLayerViewEventName.trim().length) {
	5838	+
	5839	+ var obj = {
	5840	+ dataLayerViewEventName: dataLayerViewEventName,
	5841	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_textandimage_copy" ,
	5842	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	5843	+ };
	5844	+
	5845	+ // IE11 trick (because IE11 don't know document.currentScript):
	5846	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	5847	+ if(document.currentScript){
	5848	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	5849	+ } else {
	5850	+ var scripts = document.getElementsByTagName( 'script' );
	5851	+ var currentScript = scripts[scripts.length - 1];
	5852	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	5853	+ }
	5854	+
	5855	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	5856	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	5857	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	5858	+
	5859	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	5860	+
	5861	+ }
	5862	+
	5863	+ })();
	5864	+
	5865	+ </script>
	5866	+
	5867	+</div>
	5868	+
	5869	+ <script>
	5870	+
	5871	+ /**
	5872	+ * clickEventDownloadHandler()
	5873	+ * Is used to handle download image action selected as an opening mode
	5874	+ *
	5875	+ */
	5876	+
	5877	+ var firstDownload = true;
	5878	+
	5879	+ function clickEventDownloadHandler() {
	5880	+
	5881	+ var link = this;
	5882	+ var filename = link.dataset.linkpath;
	5883	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	5884	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	5885	+
	5886	+ if (newFile) {
	5887	+
	5888	+ if (firstDownload) {
	5889	+ firstDownload = false;
	5890	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	5891	+ } else {
	5892	+ this.href = link.href;
	5893	+ }
	5894	+
	5895	+ this.download = fn;
	5896	+
	5897	+ } else {
	5898	+ this.download = fn + ".html";
	5899	+ }
	5900	+ }
	5901	+
	5902	+ </script></div>
	5903	+<div class="columns parbase section">
	5904	+
	5905	+
	5906	+
	5907	+
	5908	+<div data-emptytext="Responsive Columns" class="cq-placeholder"></div>
	5909	+
	5910	+
	5911	+
	5912	+
	5913	+
	5914	+
	5915	+
	5916	+
	5917	+
	5918	+
	5919	+
	5920	+
	5921	+
	5922	+ <div style=""
	5923	+ class="columns-row row row-eq-height"
	5924	+
	5925	+ data-style-lg="" data-height-lg=""
	5926	+ data-width-lg=""
	5927	+ data-background-color-lg=""
	5928	+ data-background-color-xs="">
	5929	+ <div style=""
	5930	+ class="col-xs-12 col-sm-12 columns-title "
	5931	+ data-height="" data-width=""
	5932	+ data-style-xs="" data-height-xs=""
	5933	+ data-width-xs="">
	5934	+
	5935	+ </div>
	5936	+
	5937	+
	5938	+
	5939	+
	5940	+ <div class="col-xs-12 col-sm-3 column col-first ">
	5941	+ <div class="parsys1 parsys"><div class="panelContainer section">
	5942	+
	5943	+
	5944	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	5945	+
	5946	+
	5947	+
	5948	+ <div>
	5949	+
	5950	+
	5951	+
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	5968	+
	5969	+
	5970	+
	5971	+
	5972	+<div class="panelContainer "
	5973	+
	5974	+
	5975	+ data-websites-component="/components/panelContainer.v1"
	5976	+ data-panel-container-lg-mg="10px 5px 10px 5px"
	5977	+ data-panel-container-lg-pd=""
	5978	+ data-panel-container-lg-ht=""
	5979	+ data-panel-container-md-mg="10px 5px 10px 5px"
	5980	+ data-panel-container-md-pd=""
	5981	+ data-panel-container-md-ht=""
	5982	+ data-panel-container-sm-mg="10px 5px 10px 5px"
	5983	+ data-panel-container-sm-pd=""
	5984	+ data-panel-container-sm-ht=""
	5985	+ data-panel-container-xs-mg="10px"
	5986	+ data-panel-container-xs-pd=""
	5987	+ data-panel-container-xs-ht=""
	5988	+ data-panel-container-limit="">
	5989	+ <div class="parsys"><div class="textandimage parbase section">
	5990	+
	5991	+
	5992	+
	5993	+
	5994	+
	5995	+
	5996	+
	5997	+
	5998	+
	5999	+
	6000	+
	6001	+
	6002	+
	6003	+
	6004	+
	6005	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys1_panelcontainer_parsys_textandimage_3840856" class="text-image-container "
	6006	+ data-text-image-container-right-left="false">
	6007	+
	6008	+
	6009	+
	6010	+
	6011	+
	6012	+
	6013	+
	6014	+
	6015	+
	6016	+ <div class="row text-image-row"
	6017	+ data-websites-component="/components/textandimage/rowcontainer"
	6018	+
	6019	+ data-text-image-rowcontainer-bg-type-lg="none"
	6020	+
	6021	+
	6022	+
	6023	+
	6024	+
	6025	+ data-text-image-rowcontainer-height-lg="0"
	6026	+ data-text-image-rowcontainer-width-lg="0"
	6027	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	6028	+
	6029	+ data-text-image-rowcontainer-bg-type-md="none"
	6030	+
	6031	+
	6032	+
	6033	+
	6034	+
	6035	+ data-text-image-rowcontainer-height-md="0"
	6036	+ data-text-image-rowcontainer-width-md="0"
	6037	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	6038	+
	6039	+ data-text-image-rowcontainer-bg-type-sm="none"
	6040	+
	6041	+
	6042	+
	6043	+
	6044	+
	6045	+ data-text-image-rowcontainer-height-sm="0"
	6046	+ data-text-image-rowcontainer-width-sm="0"
	6047	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	6048	+
	6049	+ data-text-image-rowcontainer-bg-type-xs="none"
	6050	+
	6051	+
	6052	+
	6053	+
	6054	+
	6055	+ data-text-image-rowcontainer-height-xs="0"
	6056	+ data-text-image-rowcontainer-width-xs="0"
	6057	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	6058	+
	6059	+
	6060	+
	6061	+
	6062	+
	6063	+
	6064	+
	6065	+
	6066	+
	6067	+
	6068	+
	6069	+
	6070	+
	6071	+
	6072	+ <div class="col-xs-12 text-image-image-container" >
	6073	+
	6074	+
	6075	+
	6076	+ <div>
	6077	+
	6078	+
	6079	+
	6080	+
	6081	+
	6082	+
	6083	+ <picture>
	6084	+
	6085	+
	6086	+
	6087	+
	6088	+
	6089	+
	6090	+
	6091	+
	6092	+
	6093	+
	6094	+
	6095	+
	6096	+
	6097	+ <source srcset="/content/dam/bnc/particuliers/img/375x195/img-combien-emprunter-375x195.jpg" media="(max-width: 767px)">
	6098	+
	6099	+
	6100	+
	6101	+
	6102	+
	6103	+
	6104	+
	6105	+
	6106	+
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	6110	+
	6111	+
	6112	+
	6113	+
	6114	+
	6115	+
	6116	+
	6117	+
	6118	+
	6119	+
	6120	+
	6121	+
	6122	+ <source srcset="/content/dam/bnc/particuliers/img/375x195/img-combien-emprunter-375x195.jpg" media="(max-width: 991px)">
	6123	+
	6124	+
	6125	+
	6126	+
	6127	+
	6128	+
	6129	+
	6130	+
	6131	+
	6132	+
	6133	+
	6134	+
	6135	+
	6136	+
	6137	+
	6138	+
	6139	+
	6140	+
	6141	+
	6142	+
	6143	+
	6144	+
	6145	+
	6146	+
	6147	+ <source srcset="/content/dam/bnc/particuliers/img/375x195/img-combien-emprunter-375x195.jpg" media="(max-width: 1199px)">
	6148	+
	6149	+
	6150	+
	6151	+
	6152	+
	6153	+
	6154	+
	6155	+
	6156	+
	6157	+
	6158	+
	6159	+
	6160	+
	6161	+
	6162	+ <source srcset="/content/dam/bnc/particuliers/img/375x195/img-combien-emprunter-375x195.jpg" media="(min-width: 1200px)">
	6163	+
	6164	+
	6165	+
	6166	+
	6167	+ <img src='/content/dam/bnc/particuliers/img/375x195/img-combien-emprunter-375x195.jpg' srcset='/content/dam/bnc/particuliers/img/375x195/img-combien-emprunter-375x195.jpg' data-websites-component="/components/textandimage/image" alt="Illustration of bundle of banknotes with thought bubble containing a question mark " data-picture-alttext-lg="Illustration of bundle of banknotes with thought bubble containing a question mark " data-picture-alttext-md="Illustration of bundle of banknotes with thought bubble containing a question mark " data-picture-alttext-sm="Illustration of bundle of banknotes with thought bubble containing a question mark " data-picture-alttext-xs="Illustration of bundle of banknotes with thought bubble containing a question mark " class="center-block image-responsive">
	6168	+ </picture>
	6169	+
	6170	+
	6171	+
	6172	+ <script type="text/javascript">
	6173	+
	6174	+ var Websites = Websites \|\| {};
	6175	+ Websites.FragmentPicture = Websites.FragmentPicture \|\| {
	6176	+ init: function(viewport) {
	6177	+ Websites.FragmentPicture.loadAlternativeText(viewport);
	6178	+ },
	6179	+
	6180	+ loadAlternativeText: function(viewport) {
	6181	+ $('[data-websites-component="/components/textandimage/image"]').each(function(){
	6182	+ if(viewport.is("xs") ) {
	6183	+ $(this).attr("alt", $(this).data("picture-alttext-xs"));
	6184	+ } else if(viewport.is("sm") ) {
	6185	+ $(this).attr("alt", $(this).data("picture-alttext-sm"));
	6186	+ } else if(viewport.is("md") ) {
	6187	+ $(this).attr("alt", $(this).data("picture-alttext-md"));
	6188	+ } else if(viewport.is("lg") ) {
	6189	+ $(this).attr("alt", $(this).data("picture-alttext-lg"));
	6190	+ }
	6191	+ });
	6192	+ }
	6193	+ };
	6194	+
	6195	+ $(document).ready(function(){
	6196	+ Websites.FragmentPicture.loadAlternativeText(ResponsiveBootstrapToolkit);
	6197	+ });
	6198	+
	6199	+ Websites.Events.onBreakpointChanged(function(){
	6200	+ Websites.FragmentPicture.loadAlternativeText(ResponsiveBootstrapToolkit);
	6201	+ });
	6202	+ </script>
	6203	+
	6204	+
	6205	+
	6206	+
	6207	+
	6208	+ </div>
	6209	+
	6210	+
	6211	+
	6212	+</div>
	6213	+<div
	6214	+ class="col-xs-12 text-image-text-container "
	6215	+
	6216	+ data-websites-component="/components/textandimage/text"
	6217	+ data-text-image-text-container-style-xs="{'padding-top': '0px'}"
	6218	+ data-text-image-text-container-style-sm="{'padding-top': '0px'}"
	6219	+ data-text-image-text-container-style-md="{'padding-top': '0px'}"
	6220	+ data-text-image-text-container-style-lg="{'padding-top': '0px'}"><p style="text-align: center;"><b>How much can you borrow?</b><br>
	6221	+</p>
	6222	+<p style="text-align: center;">Estimate the mortgage amount you could get.<br>
	6223	+</p>
	6224	+</div>
	6225	+
	6226	+
	6227	+
	6228	+
	6229	+
	6230	+
	6231	+
	6232	+
	6233	+
	6234	+ </div>
	6235	+
	6236	+
	6237	+
	6238	+
	6239	+
	6240	+
	6241	+
	6242	+
	6243	+
	6244	+
	6245	+
	6246	+
	6247	+ <script>
	6248	+
	6249	+ (function(){
	6250	+
	6251	+ var dataLayerViewEventName = '' \|\| '';
	6252	+ var dataLayerViewLayerProperties = [];
	6253	+ var $el;
	6254	+
	6255	+
	6256	+
	6257	+ if(dataLayerViewEventName.trim().length) {
	6258	+
	6259	+ var obj = {
	6260	+ dataLayerViewEventName: dataLayerViewEventName,
	6261	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys1_panelcontainer_parsys_textandimage_3840856" ,
	6262	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	6263	+ };
	6264	+
	6265	+ // IE11 trick (because IE11 don't know document.currentScript):
	6266	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	6267	+ if(document.currentScript){
	6268	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	6269	+ } else {
	6270	+ var scripts = document.getElementsByTagName( 'script' );
	6271	+ var currentScript = scripts[scripts.length - 1];
	6272	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	6273	+ }
	6274	+
	6275	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	6276	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	6277	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	6278	+
	6279	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	6280	+
	6281	+ }
	6282	+
	6283	+ })();
	6284	+
	6285	+ </script>
	6286	+
	6287	+</div>
	6288	+
	6289	+ <script>
	6290	+
	6291	+ /**
	6292	+ * clickEventDownloadHandler()
	6293	+ * Is used to handle download image action selected as an opening mode
	6294	+ *
	6295	+ */
	6296	+
	6297	+ var firstDownload = true;
	6298	+
	6299	+ function clickEventDownloadHandler() {
	6300	+
	6301	+ var link = this;
	6302	+ var filename = link.dataset.linkpath;
	6303	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	6304	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	6305	+
	6306	+ if (newFile) {
	6307	+
	6308	+ if (firstDownload) {
	6309	+ firstDownload = false;
	6310	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	6311	+ } else {
	6312	+ this.href = link.href;
	6313	+ }
	6314	+
	6315	+ this.download = fn;
	6316	+
	6317	+ } else {
	6318	+ this.download = fn + ".html";
	6319	+ }
	6320	+ }
	6321	+
	6322	+ </script></div>
	6323	+<div class="textandimage parbase section">
	6324	+
	6325	+
	6326	+
	6327	+
	6328	+
	6329	+
	6330	+
	6331	+
	6332	+
	6333	+
	6334	+
	6335	+
	6336	+
	6337	+
	6338	+
	6339	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys1_panelcontainer_parsys_textandimage_copy_co" class="text-image-container "
	6340	+ data-text-image-container-right-left="false">
	6341	+
	6342	+
	6343	+
	6344	+
	6345	+
	6346	+
	6347	+
	6348	+
	6349	+
	6350	+ <div class="row text-image-row"
	6351	+ data-websites-component="/components/textandimage/rowcontainer"
	6352	+
	6353	+ data-text-image-rowcontainer-bg-type-lg="none"
	6354	+
	6355	+
	6356	+
	6357	+
	6358	+
	6359	+ data-text-image-rowcontainer-height-lg="0"
	6360	+ data-text-image-rowcontainer-width-lg="0"
	6361	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	6362	+
	6363	+ data-text-image-rowcontainer-bg-type-md="none"
	6364	+
	6365	+
	6366	+
	6367	+
	6368	+
	6369	+ data-text-image-rowcontainer-height-md="0"
	6370	+ data-text-image-rowcontainer-width-md="0"
	6371	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	6372	+
	6373	+ data-text-image-rowcontainer-bg-type-sm="none"
	6374	+
	6375	+
	6376	+
	6377	+
	6378	+
	6379	+ data-text-image-rowcontainer-height-sm="0"
	6380	+ data-text-image-rowcontainer-width-sm="0"
	6381	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	6382	+
	6383	+ data-text-image-rowcontainer-bg-type-xs="none"
	6384	+
	6385	+
	6386	+
	6387	+
	6388	+
	6389	+ data-text-image-rowcontainer-height-xs="0"
	6390	+ data-text-image-rowcontainer-width-xs="0"
	6391	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	6392	+
	6393	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><a href="/personal/mortgages/calculators/borrowing-capacity.html" target="_self" hrefnoextension="false">Calculate my loan</a></p>
	6394	+</div>
	6395	+ </div>
	6396	+
	6397	+
	6398	+
	6399	+
	6400	+
	6401	+
	6402	+
	6403	+
	6404	+
	6405	+
	6406	+
	6407	+ <script>
	6408	+
	6409	+ (function(){
	6410	+
	6411	+ var dataLayerViewEventName = '' \|\| '';
	6412	+ var dataLayerViewLayerProperties = [];
	6413	+ var $el;
	6414	+
	6415	+
	6416	+
	6417	+ if(dataLayerViewEventName.trim().length) {
	6418	+
	6419	+ var obj = {
	6420	+ dataLayerViewEventName: dataLayerViewEventName,
	6421	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys1_panelcontainer_parsys_textandimage_copy_co" ,
	6422	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	6423	+ };
	6424	+
	6425	+ // IE11 trick (because IE11 don't know document.currentScript):
	6426	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	6427	+ if(document.currentScript){
	6428	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	6429	+ } else {
	6430	+ var scripts = document.getElementsByTagName( 'script' );
	6431	+ var currentScript = scripts[scripts.length - 1];
	6432	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	6433	+ }
	6434	+
	6435	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	6436	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	6437	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	6438	+
	6439	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	6440	+
	6441	+ }
	6442	+
	6443	+ })();
	6444	+
	6445	+ </script>
	6446	+
	6447	+</div>
	6448	+
	6449	+ <script>
	6450	+
	6451	+ /**
	6452	+ * clickEventDownloadHandler()
	6453	+ * Is used to handle download image action selected as an opening mode
	6454	+ *
	6455	+ */
	6456	+
	6457	+ var firstDownload = true;
	6458	+
	6459	+ function clickEventDownloadHandler() {
	6460	+
	6461	+ var link = this;
	6462	+ var filename = link.dataset.linkpath;
	6463	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	6464	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	6465	+
	6466	+ if (newFile) {
	6467	+
	6468	+ if (firstDownload) {
	6469	+ firstDownload = false;
	6470	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	6471	+ } else {
	6472	+ this.href = link.href;
	6473	+ }
	6474	+
	6475	+ this.download = fn;
	6476	+
	6477	+ } else {
	6478	+ this.download = fn + ".html";
	6479	+ }
	6480	+ }
	6481	+
	6482	+ </script></div>
	6483	+
	6484	+</div>
	6485	+
	6486	+</div>
	6487	+
	6488	+
	6489	+
	6490	+<!--/* Initialize Js */-->
	6491	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_82860/parsys/columns_copy/parsys1/panelcontainer">
	6492	+ if(""){
	6493	+ new Websites.Sticky({
	6494	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_82860/parsys/columns_copy/parsys1/panelcontainer",
	6495	+ breakpoint: {
	6496	+ lg: {
	6497	+ to: ""
	6498	+ },
	6499	+ md: {
	6500	+ to: ""
	6501	+ },
	6502	+ sm: {
	6503	+ to: "",
	6504	+ },
	6505	+ xs: {
	6506	+ to: ""
	6507	+ }
	6508	+ }
	6509	+ });
	6510	+ }
	6511	+</script>
	6512	+
	6513	+</div>
	6514	+</div>
	6515	+
	6516	+</div>
	6517	+
	6518	+ </div>
	6519	+
	6520	+ <div class="col-xs-12 col-sm-3 column ">
	6521	+ <div class="parsys2 parsys"><div class="panelContainer section">
	6522	+
	6523	+
	6524	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	6525	+
	6526	+
	6527	+
	6528	+ <div>
	6529	+
	6530	+
	6531	+
	6532	+
	6533	+
	6534	+
	6535	+
	6536	+
	6537	+
	6538	+
	6539	+
	6540	+
	6541	+
	6542	+
	6543	+
	6544	+
	6545	+
	6546	+
	6547	+
	6548	+
	6549	+
	6550	+
	6551	+
	6552	+<div class="panelContainer "
	6553	+
	6554	+
	6555	+ data-websites-component="/components/panelContainer.v1"
	6556	+ data-panel-container-lg-mg="10px 5px 10px 5px"
	6557	+ data-panel-container-lg-pd=""
	6558	+ data-panel-container-lg-ht=""
	6559	+ data-panel-container-md-mg="10px 5px 10px 5px"
	6560	+ data-panel-container-md-pd=""
	6561	+ data-panel-container-md-ht=""
	6562	+ data-panel-container-sm-mg="10px 5px 10px 5px"
	6563	+ data-panel-container-sm-pd=""
	6564	+ data-panel-container-sm-ht=""
	6565	+ data-panel-container-xs-mg="10px"
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	6585	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys2_panelcontainer_61569_parsys_textandimage_7231150" class="text-image-container "
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	6677	+ <source srcset="/content/dam/bnc/particuliers/img/img-montants-versements-calculatrice-375x195.jpg" media="(max-width: 767px)">
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	6702	+ <source srcset="/content/dam/bnc/particuliers/img/img-montants-versements-calculatrice-375x195.jpg" media="(max-width: 991px)">
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	6742	+ <source srcset="/content/dam/bnc/particuliers/img/img-montants-versements-calculatrice-375x195.jpg" media="(min-width: 1200px)">
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	6745	+
	6746	+
	6747	+ <img src='/content/dam/bnc/particuliers/img/img-montants-versements-calculatrice-375x195.jpg' srcset='/content/dam/bnc/particuliers/img/img-montants-versements-calculatrice-375x195.jpg' data-websites-component="/components/textandimage/image" alt="Picto of a calculator and house with the National Bank logo in the background" data-picture-alttext-lg="Picto of a calculator and house with the National Bank logo in the background" data-picture-alttext-md="Picto of a calculator and house with the National Bank logo in the background" data-picture-alttext-sm="Picto of a calculator and house with the National Bank logo in the background" data-picture-alttext-xs="Picto of a calculator and house with the National Bank logo in the background" class="center-block image-responsive">
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	6800	+ data-text-image-text-container-style-lg="{'padding-top': '0px'}"><p style="text-align: center;"><b>Calculate your monthly payments</b><br>
	6801	+</p>
	6802	+<p style="text-align: center;">Figure out how much you could repay each month based on your budget.<br>
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	6804	+<p class="pvariant3" style="text-align: center;"><a href="/personal/mortgages/calculators/payments.html" target="_blank" hrefnoextension="false">Calculate my payments</a><br>
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	7219	+ data-text-image-text-container-style-xs="{'padding-top': '0px'}"
	7220	+ data-text-image-text-container-style-sm="{'padding-top': '0px'}"
	7221	+ data-text-image-text-container-style-md="{'padding-top': '0px'}"
	7222	+ data-text-image-text-container-style-lg="{'padding-top': '0px'}"><p style="text-align: center;"><b>Rent or buy?</b><br>
	7223	+</p>
	7224	+<p style="text-align: center;">Find out if it's more profitable for you to buy or rent.<br>
	7225	+</p>
	7226	+</div>
	7227	+
	7228	+
	7229	+
	7230	+
	7231	+
	7232	+
	7233	+
	7234	+
	7235	+
	7236	+ </div>
	7237	+
	7238	+
	7239	+
	7240	+
	7241	+
	7242	+
	7243	+
	7244	+
	7245	+
	7246	+
	7247	+
	7248	+
	7249	+ <script>
	7250	+
	7251	+ (function(){
	7252	+
	7253	+ var dataLayerViewEventName = '' \|\| '';
	7254	+ var dataLayerViewLayerProperties = [];
	7255	+ var $el;
	7256	+
	7257	+
	7258	+
	7259	+ if(dataLayerViewEventName.trim().length) {
	7260	+
	7261	+ var obj = {
	7262	+ dataLayerViewEventName: dataLayerViewEventName,
	7263	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys3_panelcontainer_1423965634_parsys_textandimage_7231150" ,
	7264	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	7265	+ };
	7266	+
	7267	+ // IE11 trick (because IE11 don't know document.currentScript):
	7268	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	7269	+ if(document.currentScript){
	7270	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	7271	+ } else {
	7272	+ var scripts = document.getElementsByTagName( 'script' );
	7273	+ var currentScript = scripts[scripts.length - 1];
	7274	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	7275	+ }
	7276	+
	7277	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	7278	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	7279	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	7280	+
	7281	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	7282	+
	7283	+ }
	7284	+
	7285	+ })();
	7286	+
	7287	+ </script>
	7288	+
	7289	+</div>
	7290	+
	7291	+ <script>
	7292	+
	7293	+ /**
	7294	+ * clickEventDownloadHandler()
	7295	+ * Is used to handle download image action selected as an opening mode
	7296	+ *
	7297	+ */
	7298	+
	7299	+ var firstDownload = true;
	7300	+
	7301	+ function clickEventDownloadHandler() {
	7302	+
	7303	+ var link = this;
	7304	+ var filename = link.dataset.linkpath;
	7305	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	7306	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	7307	+
	7308	+ if (newFile) {
	7309	+
	7310	+ if (firstDownload) {
	7311	+ firstDownload = false;
	7312	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	7313	+ } else {
	7314	+ this.href = link.href;
	7315	+ }
	7316	+
	7317	+ this.download = fn;
	7318	+
	7319	+ } else {
	7320	+ this.download = fn + ".html";
	7321	+ }
	7322	+ }
	7323	+
	7324	+ </script></div>
	7325	+<div class="textandimage parbase section">
	7326	+
	7327	+
	7328	+
	7329	+
	7330	+
	7331	+
	7332	+
	7333	+
	7334	+
	7335	+
	7336	+
	7337	+
	7338	+
	7339	+
	7340	+
	7341	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys3_panelcontainer_1423965634_parsys_textandimage_copy_co" class="text-image-container "
	7342	+ data-text-image-container-right-left="false">
	7343	+
	7344	+
	7345	+
	7346	+
	7347	+
	7348	+
	7349	+
	7350	+
	7351	+
	7352	+ <div class="row text-image-row"
	7353	+ data-websites-component="/components/textandimage/rowcontainer"
	7354	+
	7355	+ data-text-image-rowcontainer-bg-type-lg="none"
	7356	+
	7357	+
	7358	+
	7359	+
	7360	+
	7361	+ data-text-image-rowcontainer-height-lg="0"
	7362	+ data-text-image-rowcontainer-width-lg="0"
	7363	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	7364	+
	7365	+ data-text-image-rowcontainer-bg-type-md="none"
	7366	+
	7367	+
	7368	+
	7369	+
	7370	+
	7371	+ data-text-image-rowcontainer-height-md="0"
	7372	+ data-text-image-rowcontainer-width-md="0"
	7373	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	7374	+
	7375	+ data-text-image-rowcontainer-bg-type-sm="none"
	7376	+
	7377	+
	7378	+
	7379	+
	7380	+
	7381	+ data-text-image-rowcontainer-height-sm="0"
	7382	+ data-text-image-rowcontainer-width-sm="0"
	7383	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	7384	+
	7385	+ data-text-image-rowcontainer-bg-type-xs="none"
	7386	+
	7387	+
	7388	+
	7389	+
	7390	+
	7391	+ data-text-image-rowcontainer-height-xs="0"
	7392	+ data-text-image-rowcontainer-width-xs="0"
	7393	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	7394	+
	7395	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><a href="/personal/mortgages/calculators/rent-or-buy.html" target="_blank" hrefnoextension="false">Take the test</a></p>
	7396	+</div>
	7397	+ </div>
	7398	+
	7399	+
	7400	+
	7401	+
	7402	+
	7403	+
	7404	+
	7405	+
	7406	+
	7407	+
	7408	+
	7409	+ <script>
	7410	+
	7411	+ (function(){
	7412	+
	7413	+ var dataLayerViewEventName = '' \|\| '';
	7414	+ var dataLayerViewLayerProperties = [];
	7415	+ var $el;
	7416	+
	7417	+
	7418	+
	7419	+ if(dataLayerViewEventName.trim().length) {
	7420	+
	7421	+ var obj = {
	7422	+ dataLayerViewEventName: dataLayerViewEventName,
	7423	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys3_panelcontainer_1423965634_parsys_textandimage_copy_co" ,
	7424	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	7425	+ };
	7426	+
	7427	+ // IE11 trick (because IE11 don't know document.currentScript):
	7428	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	7429	+ if(document.currentScript){
	7430	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	7431	+ } else {
	7432	+ var scripts = document.getElementsByTagName( 'script' );
	7433	+ var currentScript = scripts[scripts.length - 1];
	7434	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	7435	+ }
	7436	+
	7437	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	7438	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	7439	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	7440	+
	7441	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	7442	+
	7443	+ }
	7444	+
	7445	+ })();
	7446	+
	7447	+ </script>
	7448	+
	7449	+</div>
	7450	+
	7451	+ <script>
	7452	+
	7453	+ /**
	7454	+ * clickEventDownloadHandler()
	7455	+ * Is used to handle download image action selected as an opening mode
	7456	+ *
	7457	+ */
	7458	+
	7459	+ var firstDownload = true;
	7460	+
	7461	+ function clickEventDownloadHandler() {
	7462	+
	7463	+ var link = this;
	7464	+ var filename = link.dataset.linkpath;
	7465	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	7466	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	7467	+
	7468	+ if (newFile) {
	7469	+
	7470	+ if (firstDownload) {
	7471	+ firstDownload = false;
	7472	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	7473	+ } else {
	7474	+ this.href = link.href;
	7475	+ }
	7476	+
	7477	+ this.download = fn;
	7478	+
	7479	+ } else {
	7480	+ this.download = fn + ".html";
	7481	+ }
	7482	+ }
	7483	+
	7484	+ </script></div>
	7485	+
	7486	+</div>
	7487	+
	7488	+</div>
	7489	+
	7490	+
	7491	+
	7492	+<!--/* Initialize Js */-->
	7493	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_82860/parsys/columns_copy/parsys3/panelcontainer_1423965634">
	7494	+ if(""){
	7495	+ new Websites.Sticky({
	7496	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_82860/parsys/columns_copy/parsys3/panelcontainer_1423965634",
	7497	+ breakpoint: {
	7498	+ lg: {
	7499	+ to: ""
	7500	+ },
	7501	+ md: {
	7502	+ to: ""
	7503	+ },
	7504	+ sm: {
	7505	+ to: "",
	7506	+ },
	7507	+ xs: {
	7508	+ to: ""
	7509	+ }
	7510	+ }
	7511	+ });
	7512	+ }
	7513	+</script>
	7514	+
	7515	+</div>
	7516	+</div>
	7517	+
	7518	+</div>
	7519	+
	7520	+ </div>
	7521	+
	7522	+ <div class="col-xs-12 col-sm-3 column col-last ">
	7523	+ <div class="parsys4 parsys"><div class="panelContainer section">
	7524	+
	7525	+
	7526	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	7527	+
	7528	+
	7529	+
	7530	+ <div>
	7531	+
	7532	+
	7533	+
	7534	+
	7535	+
	7536	+
	7537	+
	7538	+
	7539	+
	7540	+
	7541	+
	7542	+
	7543	+
	7544	+
	7545	+
	7546	+
	7547	+
	7548	+
	7549	+
	7550	+
	7551	+
	7552	+
	7553	+
	7554	+<div class="panelContainer "
	7555	+
	7556	+
	7557	+ data-websites-component="/components/panelContainer.v1"
	7558	+ data-panel-container-lg-mg="1% 2% 0 2%"
	7559	+ data-panel-container-lg-pd=""
	7560	+ data-panel-container-lg-ht=""
	7561	+ data-panel-container-md-mg="1% 2% 0 2%"
	7562	+ data-panel-container-md-pd=""
	7563	+ data-panel-container-md-ht=""
	7564	+ data-panel-container-sm-mg="1% 2% 0 2%"
	7565	+ data-panel-container-sm-pd=""
	7566	+ data-panel-container-sm-ht=""
	7567	+ data-panel-container-xs-mg="1% 2% 0 2%"
	7568	+ data-panel-container-xs-pd=""
	7569	+ data-panel-container-xs-ht=""
	7570	+ data-panel-container-limit="">
	7571	+ <div class="parsys"><div class="textandimage parbase section">
	7572	+
	7573	+
	7574	+
	7575	+
	7576	+
	7577	+
	7578	+
	7579	+
	7580	+
	7581	+
	7582	+
	7583	+
	7584	+
	7585	+
	7586	+
	7587	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys4_panelcontainer_copy__parsys_textandimage_723115041" class="text-image-container "
	7588	+ data-text-image-container-right-left="false">
	7589	+
	7590	+
	7591	+
	7592	+
	7593	+
	7594	+
	7595	+
	7596	+
	7597	+
	7598	+ <div class="row text-image-row"
	7599	+ data-websites-component="/components/textandimage/rowcontainer"
	7600	+
	7601	+ data-text-image-rowcontainer-bg-type-lg="none"
	7602	+
	7603	+
	7604	+
	7605	+
	7606	+
	7607	+ data-text-image-rowcontainer-height-lg="0"
	7608	+ data-text-image-rowcontainer-width-lg="0"
	7609	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	7610	+
	7611	+ data-text-image-rowcontainer-bg-type-md="none"
	7612	+
	7613	+
	7614	+
	7615	+
	7616	+
	7617	+ data-text-image-rowcontainer-height-md="0"
	7618	+ data-text-image-rowcontainer-width-md="0"
	7619	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	7620	+
	7621	+ data-text-image-rowcontainer-bg-type-sm="none"
	7622	+
	7623	+
	7624	+
	7625	+
	7626	+
	7627	+ data-text-image-rowcontainer-height-sm="0"
	7628	+ data-text-image-rowcontainer-width-sm="0"
	7629	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	7630	+
	7631	+ data-text-image-rowcontainer-bg-type-xs="none"
	7632	+
	7633	+
	7634	+
	7635	+
	7636	+
	7637	+ data-text-image-rowcontainer-height-xs="0"
	7638	+ data-text-image-rowcontainer-width-xs="0"
	7639	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	7640	+
	7641	+
	7642	+
	7643	+
	7644	+
	7645	+
	7646	+
	7647	+
	7648	+
	7649	+
	7650	+
	7651	+
	7652	+
	7653	+
	7654	+ <div class="col-xs-12 text-image-image-container" >
	7655	+
	7656	+
	7657	+
	7658	+ <div>
	7659	+
	7660	+
	7661	+
	7662	+
	7663	+
	7664	+
	7665	+ <picture>
	7666	+
	7667	+
	7668	+
	7669	+
	7670	+
	7671	+
	7672	+
	7673	+
	7674	+
	7675	+
	7676	+
	7677	+
	7678	+
	7679	+ <source srcset="/content/dam/bnc/particuliers/img/375x195/img-montants-versements-375x195.jpg" media="(max-width: 767px)">
	7680	+
	7681	+
	7682	+
	7683	+
	7684	+
	7685	+
	7686	+
	7687	+
	7688	+
	7689	+
	7690	+
	7691	+
	7692	+
	7693	+
	7694	+
	7695	+
	7696	+
	7697	+
	7698	+
	7699	+
	7700	+
	7701	+
	7702	+
	7703	+
	7704	+ <source srcset="/content/dam/bnc/particuliers/img/375x195/img-montants-versements-375x195.jpg" media="(max-width: 991px)">
	7705	+
	7706	+
	7707	+
	7708	+
	7709	+
	7710	+
	7711	+
	7712	+
	7713	+
	7714	+
	7715	+
	7716	+
	7717	+
	7718	+
	7719	+
	7720	+
	7721	+
	7722	+
	7723	+
	7724	+
	7725	+
	7726	+
	7727	+
	7728	+
	7729	+ <source srcset="/content/dam/bnc/particuliers/img/375x195/img-montants-versements-375x195.jpg" media="(max-width: 1199px)">
	7730	+
	7731	+
	7732	+
	7733	+
	7734	+
	7735	+
	7736	+
	7737	+
	7738	+
	7739	+
	7740	+
	7741	+
	7742	+
	7743	+
	7744	+ <source srcset="/content/dam/bnc/particuliers/img/375x195/img-montants-versements-375x195.jpg" media="(min-width: 1200px)">
	7745	+
	7746	+
	7747	+
	7748	+
	7749	+ <img src='/content/dam/bnc/particuliers/img/375x195/img-montants-versements-375x195.jpg' srcset='/content/dam/bnc/particuliers/img/375x195/img-montants-versements-375x195.jpg' data-websites-component="/components/textandimage/image" alt="Picto of a calculator and calendar with the National Bank logo in the background" data-picture-alttext-lg="Picto of a calculator and calendar with the National Bank logo in the background" data-picture-alttext-md="Picto of a calculator and calendar with the National Bank logo in the background" data-picture-alttext-sm="Picto of a calculator and calendar with the National Bank logo in the background" data-picture-alttext-xs="Picto of a calculator and calendar with the National Bank logo in the background" class="center-block image-responsive">
	7750	+ </picture>
	7751	+
	7752	+
	7753	+
	7754	+ <script type="text/javascript">
	7755	+
	7756	+ var Websites = Websites \|\| {};
	7757	+ Websites.FragmentPicture = Websites.FragmentPicture \|\| {
	7758	+ init: function(viewport) {
	7759	+ Websites.FragmentPicture.loadAlternativeText(viewport);
	7760	+ },
	7761	+
	7762	+ loadAlternativeText: function(viewport) {
	7763	+ $('[data-websites-component="/components/textandimage/image"]').each(function(){
	7764	+ if(viewport.is("xs") ) {
	7765	+ $(this).attr("alt", $(this).data("picture-alttext-xs"));
	7766	+ } else if(viewport.is("sm") ) {
	7767	+ $(this).attr("alt", $(this).data("picture-alttext-sm"));
	7768	+ } else if(viewport.is("md") ) {
	7769	+ $(this).attr("alt", $(this).data("picture-alttext-md"));
	7770	+ } else if(viewport.is("lg") ) {
	7771	+ $(this).attr("alt", $(this).data("picture-alttext-lg"));
	7772	+ }
	7773	+ });
	7774	+ }
	7775	+ };
	7776	+
	7777	+ $(document).ready(function(){
	7778	+ Websites.FragmentPicture.loadAlternativeText(ResponsiveBootstrapToolkit);
	7779	+ });
	7780	+
	7781	+ Websites.Events.onBreakpointChanged(function(){
	7782	+ Websites.FragmentPicture.loadAlternativeText(ResponsiveBootstrapToolkit);
	7783	+ });
	7784	+ </script>
	7785	+
	7786	+
	7787	+
	7788	+
	7789	+
	7790	+ </div>
	7791	+
	7792	+
	7793	+
	7794	+</div>
	7795	+<div
	7796	+ class="col-xs-12 text-image-text-container "
	7797	+
	7798	+ data-websites-component="/components/textandimage/text"
	7799	+ data-text-image-text-container-style-xs="{'padding-top': '0px'}"
	7800	+ data-text-image-text-container-style-sm="{'padding-top': '0px'}"
	7801	+ data-text-image-text-container-style-md="{'padding-top': '0px'}"
	7802	+ data-text-image-text-container-style-lg="{'padding-top': '0px'}"><p style="text-align: center;"><b>Calculate your renewal payments</b><br>
	7803	+</p>
	7804	+<p style="text-align: center;">Is your mortgage renewal approaching, and you want to calculate your budget? Learn the amount and frequency of your mortgage payments while still being able to save each month.<br>
	7805	+</p>
	7806	+<p class="pvariant3" style="text-align: center;"><a role="button" tabindex="0" onkeyup="if(event.key === ' ') this.click();" href="/personal/mortgages/calculators/renewal-payments.html" target="_blank" hrefnoextension="false">Calculate my payments</a><br>
	7807	+</p>
	7808	+</div>
	7809	+
	7810	+
	7811	+
	7812	+
	7813	+
	7814	+
	7815	+
	7816	+
	7817	+
	7818	+ </div>
	7819	+
	7820	+
	7821	+
	7822	+
	7823	+
	7824	+
	7825	+
	7826	+
	7827	+
	7828	+
	7829	+
	7830	+
	7831	+ <script>
	7832	+
	7833	+ (function(){
	7834	+
	7835	+ var dataLayerViewEventName = '' \|\| '';
	7836	+ var dataLayerViewLayerProperties = [];
	7837	+ var $el;
	7838	+
	7839	+
	7840	+
	7841	+ if(dataLayerViewEventName.trim().length) {
	7842	+
	7843	+ var obj = {
	7844	+ dataLayerViewEventName: dataLayerViewEventName,
	7845	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_parsys_panelcontainer_parsys_panelcontainer_82860_parsys_columns_copy_parsys4_panelcontainer_copy__parsys_textandimage_723115041" ,
	7846	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	7847	+ };
	7848	+
	7849	+ // IE11 trick (because IE11 don't know document.currentScript):
	7850	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	7851	+ if(document.currentScript){
	7852	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	7853	+ } else {
	7854	+ var scripts = document.getElementsByTagName( 'script' );
	7855	+ var currentScript = scripts[scripts.length - 1];
	7856	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	7857	+ }
	7858	+
	7859	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	7860	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	7861	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	7862	+
	7863	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	7864	+
	7865	+ }
	7866	+
	7867	+ })();
	7868	+
	7869	+ </script>
	7870	+
	7871	+</div>
	7872	+
	7873	+ <script>
	7874	+
	7875	+ /**
	7876	+ * clickEventDownloadHandler()
	7877	+ * Is used to handle download image action selected as an opening mode
	7878	+ *
	7879	+ */
	7880	+
	7881	+ var firstDownload = true;
	7882	+
	7883	+ function clickEventDownloadHandler() {
	7884	+
	7885	+ var link = this;
	7886	+ var filename = link.dataset.linkpath;
	7887	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	7888	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	7889	+
	7890	+ if (newFile) {
	7891	+
	7892	+ if (firstDownload) {
	7893	+ firstDownload = false;
	7894	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	7895	+ } else {
	7896	+ this.href = link.href;
	7897	+ }
	7898	+
	7899	+ this.download = fn;
	7900	+
	7901	+ } else {
	7902	+ this.download = fn + ".html";
	7903	+ }
	7904	+ }
	7905	+
	7906	+ </script></div>
	7907	+
	7908	+</div>
	7909	+
	7910	+</div>
	7911	+
	7912	+
	7913	+
	7914	+<!--/* Initialize Js */-->
	7915	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_82860/parsys/columns_copy/parsys4/panelcontainer_copy_">
	7916	+ if(""){
	7917	+ new Websites.Sticky({
	7918	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_82860/parsys/columns_copy/parsys4/panelcontainer_copy_",
	7919	+ breakpoint: {
	7920	+ lg: {
	7921	+ to: ""
	7922	+ },
	7923	+ md: {
	7924	+ to: ""
	7925	+ },
	7926	+ sm: {
	7927	+ to: "",
	7928	+ },
	7929	+ xs: {
	7930	+ to: ""
	7931	+ }
	7932	+ }
	7933	+ });
	7934	+ }
	7935	+</script>
	7936	+
	7937	+</div>
	7938	+</div>
	7939	+
	7940	+</div>
	7941	+
	7942	+ </div>
	7943	+
	7944	+ </div>
	7945	+
	7946	+
	7947	+
	7948	+</div>
	7949	+
	7950	+</div>
	7951	+
	7952	+</div>
	7953	+
	7954	+
	7955	+
	7956	+<!--/* Initialize Js */-->
	7957	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_82860">
	7958	+ if(""){
	7959	+ new Websites.Sticky({
	7960	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer/parsys/panelcontainer_82860",
	7961	+ breakpoint: {
	7962	+ lg: {
	7963	+ to: "none"
	7964	+ },
	7965	+ md: {
	7966	+ to: "none"
	7967	+ },
	7968	+ sm: {
	7969	+ to: "none",
	7970	+ },
	7971	+ xs: {
	7972	+ to: "none"
	7973	+ }
	7974	+ }
	7975	+ });
	7976	+ }
	7977	+</script>
	7978	+
	7979	+</div>
	7980	+</div>
	7981	+
	7982	+</div>
	7983	+
	7984	+</div>
	7985	+
	7986	+
	7987	+
	7988	+<!--/* Initialize Js */-->
	7989	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer">
	7990	+ if(""){
	7991	+ new Websites.Sticky({
	7992	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer/parsys/panelcontainer",
	7993	+ breakpoint: {
	7994	+ lg: {
	7995	+ to: "none"
	7996	+ },
	7997	+ md: {
	7998	+ to: "none"
	7999	+ },
	8000	+ sm: {
	8001	+ to: "none",
	8002	+ },
	8003	+ xs: {
	8004	+ to: "none"
	8005	+ }
	8006	+ }
	8007	+ });
	8008	+ }
	8009	+</script>
	8010	+
	8011	+</div>
	8012	+</div>
	8013	+
	8014	+</div>
	8015	+
	8016	+</div>
	8017	+
	8018	+
	8019	+
	8020	+<!--/* Initialize Js */-->
	8021	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer">
	8022	+ if(""){
	8023	+ new Websites.Sticky({
	8024	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer",
	8025	+ breakpoint: {
	8026	+ lg: {
	8027	+ to: ""
	8028	+ },
	8029	+ md: {
	8030	+ to: ""
	8031	+ },
	8032	+ sm: {
	8033	+ to: "",
	8034	+ },
	8035	+ xs: {
	8036	+ to: ""
	8037	+ }
	8038	+ }
	8039	+ });
	8040	+ }
	8041	+</script>
	8042	+
	8043	+</div>
	8044	+</div>
	8045	+<div class="panelContainer section">
	8046	+
	8047	+
	8048	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	8049	+
	8050	+
	8051	+
	8052	+ <div>
	8053	+
	8054	+
	8055	+
	8056	+
	8057	+
	8058	+
	8059	+
	8060	+
	8061	+
	8062	+
	8063	+
	8064	+
	8065	+
	8066	+
	8067	+
	8068	+
	8069	+
	8070	+
	8071	+
	8072	+
	8073	+
	8074	+
	8075	+
	8076	+<div class="panelContainer panelContainerStyle2 "
	8077	+
	8078	+
	8079	+ data-websites-component="/components/panelContainer.v1"
	8080	+ data-panel-container-lg-mg=""
	8081	+ data-panel-container-lg-pd=""
	8082	+ data-panel-container-lg-ht=""
	8083	+ data-panel-container-md-mg=""
	8084	+ data-panel-container-md-pd=""
	8085	+ data-panel-container-md-ht=""
	8086	+ data-panel-container-sm-mg=""
	8087	+ data-panel-container-sm-pd=""
	8088	+ data-panel-container-sm-ht=""
	8089	+ data-panel-container-xs-mg=""
	8090	+ data-panel-container-xs-pd=""
	8091	+ data-panel-container-xs-ht=""
	8092	+ data-panel-container-limit="">
	8093	+ <div class="parsys"><div class="textandimage parbase section">
	8094	+
	8095	+
	8096	+
	8097	+
	8098	+
	8099	+
	8100	+
	8101	+
	8102	+
	8103	+
	8104	+
	8105	+
	8106	+
	8107	+
	8108	+
	8109	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_textandimage" class="text-image-container "
	8110	+ data-text-image-container-right-left="false">
	8111	+
	8112	+
	8113	+
	8114	+
	8115	+
	8116	+
	8117	+
	8118	+
	8119	+
	8120	+ <div class="row text-image-row"
	8121	+ data-websites-component="/components/textandimage/rowcontainer"
	8122	+
	8123	+ data-text-image-rowcontainer-bg-type-lg="none"
	8124	+
	8125	+
	8126	+
	8127	+
	8128	+
	8129	+ data-text-image-rowcontainer-height-lg="0"
	8130	+ data-text-image-rowcontainer-width-lg="0"
	8131	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	8132	+
	8133	+ data-text-image-rowcontainer-bg-type-md="none"
	8134	+
	8135	+
	8136	+
	8137	+
	8138	+
	8139	+ data-text-image-rowcontainer-height-md="0"
	8140	+ data-text-image-rowcontainer-width-md="0"
	8141	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	8142	+
	8143	+ data-text-image-rowcontainer-bg-type-sm="none"
	8144	+
	8145	+
	8146	+
	8147	+
	8148	+
	8149	+ data-text-image-rowcontainer-height-sm="0"
	8150	+ data-text-image-rowcontainer-width-sm="0"
	8151	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	8152	+
	8153	+ data-text-image-rowcontainer-bg-type-xs="none"
	8154	+
	8155	+
	8156	+
	8157	+
	8158	+
	8159	+ data-text-image-rowcontainer-height-xs="0"
	8160	+ data-text-image-rowcontainer-width-xs="0"
	8161	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	8162	+
	8163	+ <div class="col-xs-12 text-image-text-container " ><h2 class="h2variant1"><a id="fixed"></a><span style="letter-spacing: 0.3px; background-color: transparent;">Fixed-rate loan</span><br>
	8164	+</h2>
	8165	+</div>
	8166	+ </div>
	8167	+
	8168	+
	8169	+
	8170	+
	8171	+
	8172	+
	8173	+
	8174	+
	8175	+
	8176	+
	8177	+
	8178	+ <script>
	8179	+
	8180	+ (function(){
	8181	+
	8182	+ var dataLayerViewEventName = '' \|\| '';
	8183	+ var dataLayerViewLayerProperties = [];
	8184	+ var $el;
	8185	+
	8186	+
	8187	+
	8188	+ if(dataLayerViewEventName.trim().length) {
	8189	+
	8190	+ var obj = {
	8191	+ dataLayerViewEventName: dataLayerViewEventName,
	8192	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_textandimage" ,
	8193	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	8194	+ };
	8195	+
	8196	+ // IE11 trick (because IE11 don't know document.currentScript):
	8197	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	8198	+ if(document.currentScript){
	8199	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	8200	+ } else {
	8201	+ var scripts = document.getElementsByTagName( 'script' );
	8202	+ var currentScript = scripts[scripts.length - 1];
	8203	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	8204	+ }
	8205	+
	8206	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	8207	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	8208	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	8209	+
	8210	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	8211	+
	8212	+ }
	8213	+
	8214	+ })();
	8215	+
	8216	+ </script>
	8217	+
	8218	+</div>
	8219	+
	8220	+ <script>
	8221	+
	8222	+ /**
	8223	+ * clickEventDownloadHandler()
	8224	+ * Is used to handle download image action selected as an opening mode
	8225	+ *
	8226	+ */
	8227	+
	8228	+ var firstDownload = true;
	8229	+
	8230	+ function clickEventDownloadHandler() {
	8231	+
	8232	+ var link = this;
	8233	+ var filename = link.dataset.linkpath;
	8234	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	8235	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	8236	+
	8237	+ if (newFile) {
	8238	+
	8239	+ if (firstDownload) {
	8240	+ firstDownload = false;
	8241	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	8242	+ } else {
	8243	+ this.href = link.href;
	8244	+ }
	8245	+
	8246	+ this.download = fn;
	8247	+
	8248	+ } else {
	8249	+ this.download = fn + ".html";
	8250	+ }
	8251	+ }
	8252	+
	8253	+ </script></div>
	8254	+<div class="panelContainer section">
	8255	+
	8256	+
	8257	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	8258	+
	8259	+
	8260	+
	8261	+ <div>
	8262	+
	8263	+
	8264	+
	8265	+
	8266	+
	8267	+
	8268	+
	8269	+
	8270	+
	8271	+
	8272	+
	8273	+
	8274	+
	8275	+
	8276	+
	8277	+
	8278	+
	8279	+
	8280	+
	8281	+
	8282	+
	8283	+
	8284	+
	8285	+<div class="panelContainer background-none no-pad-collapse at-0173-astuce"
	8286	+
	8287	+
	8288	+ data-websites-component="/components/panelContainer.v1"
	8289	+ data-panel-container-lg-mg="1% 20% 0 0"
	8290	+ data-panel-container-lg-pd=""
	8291	+ data-panel-container-lg-ht=""
	8292	+ data-panel-container-md-mg="1% 20% 0 0"
	8293	+ data-panel-container-md-pd=""
	8294	+ data-panel-container-md-ht=""
	8295	+ data-panel-container-sm-mg="1% 0 0 0"
	8296	+ data-panel-container-sm-pd=""
	8297	+ data-panel-container-sm-ht=""
	8298	+ data-panel-container-xs-mg="1% 0 0 0"
	8299	+ data-panel-container-xs-pd=""
	8300	+ data-panel-container-xs-ht=""
	8301	+ data-panel-container-limit="">
	8302	+ <div class="parsys"><div class="textandimage parbase section">
	8303	+
	8304	+
	8305	+
	8306	+
	8307	+
	8308	+
	8309	+
	8310	+
	8311	+
	8312	+
	8313	+
	8314	+
	8315	+
	8316	+
	8317	+
	8318	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_parsys_textandimage" class="text-image-container "
	8319	+ data-text-image-container-right-left="false">
	8320	+
	8321	+
	8322	+
	8323	+
	8324	+
	8325	+
	8326	+
	8327	+
	8328	+
	8329	+ <div class="row text-image-row"
	8330	+ data-websites-component="/components/textandimage/rowcontainer"
	8331	+
	8332	+ data-text-image-rowcontainer-bg-type-lg="none"
	8333	+
	8334	+
	8335	+
	8336	+
	8337	+
	8338	+ data-text-image-rowcontainer-height-lg="0"
	8339	+ data-text-image-rowcontainer-width-lg="0"
	8340	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	8341	+
	8342	+ data-text-image-rowcontainer-bg-type-md="none"
	8343	+
	8344	+
	8345	+
	8346	+
	8347	+
	8348	+ data-text-image-rowcontainer-height-md="0"
	8349	+ data-text-image-rowcontainer-width-md="0"
	8350	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	8351	+
	8352	+ data-text-image-rowcontainer-bg-type-sm="none"
	8353	+
	8354	+
	8355	+
	8356	+
	8357	+
	8358	+ data-text-image-rowcontainer-height-sm="0"
	8359	+ data-text-image-rowcontainer-width-sm="0"
	8360	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	8361	+
	8362	+ data-text-image-rowcontainer-bg-type-xs="none"
	8363	+
	8364	+
	8365	+
	8366	+
	8367	+
	8368	+ data-text-image-rowcontainer-height-xs="0"
	8369	+ data-text-image-rowcontainer-width-xs="0"
	8370	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	8371	+
	8372	+ <div class="col-xs-12 text-image-text-container " ><p>Your interest rate is set as soon as you take out your mortgage. This rate is not affected by fluctuations for the duration of your term. This type of rate is only available with a <a href="/personal/mortgages/loan.html" target="_self">mortgage loans</a>.</p>
	8373	+</div>
	8374	+ </div>
	8375	+
	8376	+
	8377	+
	8378	+
	8379	+
	8380	+
	8381	+
	8382	+
	8383	+
	8384	+
	8385	+
	8386	+ <script>
	8387	+
	8388	+ (function(){
	8389	+
	8390	+ var dataLayerViewEventName = '' \|\| '';
	8391	+ var dataLayerViewLayerProperties = [];
	8392	+ var $el;
	8393	+
	8394	+
	8395	+
	8396	+ if(dataLayerViewEventName.trim().length) {
	8397	+
	8398	+ var obj = {
	8399	+ dataLayerViewEventName: dataLayerViewEventName,
	8400	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_parsys_textandimage" ,
	8401	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	8402	+ };
	8403	+
	8404	+ // IE11 trick (because IE11 don't know document.currentScript):
	8405	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	8406	+ if(document.currentScript){
	8407	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	8408	+ } else {
	8409	+ var scripts = document.getElementsByTagName( 'script' );
	8410	+ var currentScript = scripts[scripts.length - 1];
	8411	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	8412	+ }
	8413	+
	8414	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	8415	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	8416	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	8417	+
	8418	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	8419	+
	8420	+ }
	8421	+
	8422	+ })();
	8423	+
	8424	+ </script>
	8425	+
	8426	+</div>
	8427	+
	8428	+ <script>
	8429	+
	8430	+ /**
	8431	+ * clickEventDownloadHandler()
	8432	+ * Is used to handle download image action selected as an opening mode
	8433	+ *
	8434	+ */
	8435	+
	8436	+ var firstDownload = true;
	8437	+
	8438	+ function clickEventDownloadHandler() {
	8439	+
	8440	+ var link = this;
	8441	+ var filename = link.dataset.linkpath;
	8442	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	8443	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	8444	+
	8445	+ if (newFile) {
	8446	+
	8447	+ if (firstDownload) {
	8448	+ firstDownload = false;
	8449	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	8450	+ } else {
	8451	+ this.href = link.href;
	8452	+ }
	8453	+
	8454	+ this.download = fn;
	8455	+
	8456	+ } else {
	8457	+ this.download = fn + ".html";
	8458	+ }
	8459	+ }
	8460	+
	8461	+ </script></div>
	8462	+<div class="textandimage parbase section">
	8463	+
	8464	+
	8465	+
	8466	+
	8467	+
	8468	+
	8469	+
	8470	+
	8471	+
	8472	+
	8473	+
	8474	+
	8475	+
	8476	+
	8477	+
	8478	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_parsys_textandimage_2116172" class="text-image-container "
	8479	+ data-text-image-container-right-left="false">
	8480	+
	8481	+
	8482	+
	8483	+
	8484	+
	8485	+
	8486	+
	8487	+
	8488	+
	8489	+ <div class="row text-image-row"
	8490	+ data-websites-component="/components/textandimage/rowcontainer"
	8491	+
	8492	+ data-text-image-rowcontainer-bg-type-lg="none"
	8493	+
	8494	+
	8495	+
	8496	+
	8497	+
	8498	+ data-text-image-rowcontainer-height-lg="0"
	8499	+ data-text-image-rowcontainer-width-lg="0"
	8500	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	8501	+
	8502	+ data-text-image-rowcontainer-bg-type-md="none"
	8503	+
	8504	+
	8505	+
	8506	+
	8507	+
	8508	+ data-text-image-rowcontainer-height-md="0"
	8509	+ data-text-image-rowcontainer-width-md="0"
	8510	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	8511	+
	8512	+ data-text-image-rowcontainer-bg-type-sm="none"
	8513	+
	8514	+
	8515	+
	8516	+
	8517	+
	8518	+ data-text-image-rowcontainer-height-sm="0"
	8519	+ data-text-image-rowcontainer-width-sm="0"
	8520	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	8521	+
	8522	+ data-text-image-rowcontainer-bg-type-xs="none"
	8523	+
	8524	+
	8525	+
	8526	+
	8527	+
	8528	+ data-text-image-rowcontainer-height-xs="0"
	8529	+ data-text-image-rowcontainer-width-xs="0"
	8530	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	8531	+
	8532	+ <div class="col-xs-12 text-image-text-container
	8533	+ initializing" ><p class="pvariant3"><b><br>
	8534	+ Rate (%) as at <span static-token='tauxDateJour\|date:"-"'>${p1.tauxDateJour\|date:"-"}</span></b></p></div>
	8535	+ </div>
	8536	+
	8537	+
	8538	+
	8539	+
	8540	+
	8541	+
	8542	+
	8543	+
	8544	+
	8545	+
	8546	+
	8547	+
	8548	+ <script>
	8549	+ (function(){
	8550	+ var $el;
	8551	+ var listeners = [];
	8552	+ var dataLayerViewEventName = '';
	8553	+ var dataLayerViewLayerProperties = [];
	8554	+
	8555	+ dataLayerViewEventName = '';
	8556	+
	8557	+
	8558	+
	8559	+
	8560	+
	8561	+ // IE11 trick (because IE11 don't know document.currentScript):
	8562	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	8563	+ if(document.currentScript){
	8564	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	8565	+ } else {
	8566	+ var scripts = document.getElementsByTagName( 'script' );
	8567	+ var currentScript = scripts[scripts.length - 1];
	8568	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	8569	+ }
	8570	+
	8571	+ Websites.Product.Core.initContentQueue.push(function () {
	8572	+ Websites.Product.TextContent.initTextContent({
	8573	+ $el: $el,
	8574	+ capsuleAlias: "c1",
	8575	+ listeners: listeners,
	8576	+ products: Websites.Product.Core.determineProductsArray("c1"),
	8577	+ dataLayerViewEvent: {
	8578	+ dataLayerViewEventName: dataLayerViewEventName,
	8579	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_parsys_textandimage_2116172" ,
	8580	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	8581	+ }
	8582	+ });
	8583	+ });
	8584	+ })();
	8585	+
	8586	+ </script>
	8587	+
	8588	+
	8589	+
	8590	+
	8591	+
	8592	+</div>
	8593	+
	8594	+ <script>
	8595	+
	8596	+ /**
	8597	+ * clickEventDownloadHandler()
	8598	+ * Is used to handle download image action selected as an opening mode
	8599	+ *
	8600	+ */
	8601	+
	8602	+ var firstDownload = true;
	8603	+
	8604	+ function clickEventDownloadHandler() {
	8605	+
	8606	+ var link = this;
	8607	+ var filename = link.dataset.linkpath;
	8608	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	8609	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	8610	+
	8611	+ if (newFile) {
	8612	+
	8613	+ if (firstDownload) {
	8614	+ firstDownload = false;
	8615	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	8616	+ } else {
	8617	+ this.href = link.href;
	8618	+ }
	8619	+
	8620	+ this.download = fn;
	8621	+
	8622	+ } else {
	8623	+ this.download = fn + ".html";
	8624	+ }
	8625	+ }
	8626	+
	8627	+ </script></div>
	8628	+<div class="table parbase section">
	8629	+
	8630	+
	8631	+
	8632	+
	8633	+
	8634	+
	8635	+
	8636	+<div class="table-container">
	8637	+ <table class="bncr-table bncr-table-mobile" width="100%" cellspacing="0" cellpadding="1" border="1">
	8638	+ <tbody>
	8639	+ <tr class="no-border">
	8640	+ <th style="text-align: center; width: 25%;" class="filled">Term</th>
	8641	+ <th style="text-align: center; width: 25%;" class="filled">Open</th>
	8642	+ <th style="text-align: center; width: 25%;" class="filled">Closed</th>
	8643	+ <th style="text-align: center; width: 25%;" class="filled">APR<a href="#notes-item-30819b1e37" target="_self" class="link-not-underlined__darker" hrefnoextension="false"><sup style="left: 0;">8</sup>**</a></th>
	8644	+ </tr>
	8645	+ <tr class="no-border">
	8646	+ <td colspan="4" class="separator"><b>Prime = <span static-token='tauxBase\|percent'>${p1.tauxBase\|percent}</span></b></td>
	8647	+ </tr>
	8648	+ <tr>
	8649	+ <td><p style="margin-left: 40px;">3 months</p></td>
	8650	+ <td><p style="margin-left: 40px;">---</p></td>
	8651	+ <td><p style="margin-left: 40px;"><span static-token='taux3moisF\|percent:"true"'>${p1.taux3moisF\|percent:"true"}</span><br></p></td>
	8652	+ <td><p style="margin-left: 40px;">8.37%</p></td>
	8653	+ </tr>
	8654	+ <tr>
	8655	+ <td><p style="margin-left: 40px;">6 months</p></td>
	8656	+ <td><p style="margin-left: 40px;"><span static-token='taux6moisO\|percent:"true"'>${p1.taux6moisO\|percent:"true"}</span><br></p></td>
	8657	+ <td><p style="margin-left: 40px;"><span static-token='taux6moisF\|percent:"true"'>${p1.taux6moisF\|percent:"true"}</span><br></p></td>
	8658	+ <td><p style="margin-left: 40px;">Open: 9.98%<br> Closed: 6.31%</p></td>
	8659	+ </tr>
	8660	+ <tr>
	8661	+ <td><p style="margin-left: 40px;">1 year</p></td>
	8662	+ <td><p style="margin-left: 40px;"><span static-token='taux1anO\|percent:"true"'>${p1.taux1anO\|percent:"true"}</span><br></p></td>
	8663	+ <td><p style="margin-left: 40px;"><span static-token='taux1anF\|percent:"true"'>${p1.taux1anF\|percent:"true"}</span><br></p></td>
	8664	+ <td><p style="margin-left: 40px;">Open: 9.77%<br> Closed: 5.61%<br></p></td>
	8665	+ </tr>
	8666	+ <tr>
	8667	+ <td><p style="margin-left: 40px;">2 years</p></td>
	8668	+ <td><p style="margin-left: 40px;">---</p></td>
	8669	+ <td><p style="margin-left: 40px;"><span static-token='taux2ansF\|percent:"true"'>${p1.taux2ansF\|percent:"true"}</span><br></p></td>
	8670	+ <td><p style="margin-left: 40px;">5.31%<br></p></td>
	8671	+ </tr>
	8672	+ <tr>
	8673	+ <td><p style="margin-left: 40px;">3 years</p></td>
	8674	+ <td><p style="margin-left: 40px;">---</p></td>
	8675	+ <td><p style="margin-left: 40px;"><span static-token='taux3ansF\|percent:"true"'>${p1.taux3ansF\|percent:"true"}</span><br></p></td>
	8676	+ <td><p style="margin-left: 40px;">6.10%<br></p></td>
	8677	+ </tr>
	8678	+ <tr>
	8679	+ <td><p style="margin-left: 40px;">4 years</p></td>
	8680	+ <td><p style="margin-left: 40px;">---</p></td>
	8681	+ <td><p style="margin-left: 40px;"><span static-token='taux4ansF\|percent:"true"'>${p1.taux4ansF\|percent:"true"}</span>   <a href="#promo" target="_self">see the promo</a><br></p></td>
	8682	+ <td><p style="margin-left: 40px;">6.03%<br></p></td>
	8683	+ </tr>
	8684	+ <tr>
	8685	+ <td><p style="margin-left: 40px;">5 years</p></td>
	8686	+ <td><p style="margin-left: 40px;">---</p></td>
	8687	+ <td><p style="margin-left: 40px;"><span static-token='taux5ansF\|percent:"true"'>${p1.taux5ansF\|percent:"true"}</span>   <a href="#promo" target="_self">see the promo</a><br></p></td>
	8688	+ <td><p style="margin-left: 40px;">6.13%<br></p></td>
	8689	+ </tr>
	8690	+ </tbody>
	8691	+</table>
	8692	+
	8693	+ <span class="table-carousel-arrow arrow-left"><i class="fa fa-angle-left"></i></span>
	8694	+ <span class="table-carousel-arrow arrow-right"><i class="fa fa-angle-right"></i></span>
	8695	+ <div class="table-carousel-dots"></div>
	8696	+</div>
	8697	+
	8698	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer/parsys/table">
	8699	+ new Websites.TableStatic({
	8700	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer/parsys/table",
	8701	+ listeners: JSON.parse("[]".replace(new RegExp('\\["', 'g'), '[').replace(new RegExp('\\"]', 'g'), ']').replace(new RegExp('\\\\', 'g'), '')),
	8702	+ capsuleAlias: "c1",
	8703	+ staticHeader: !!(""), // use !! to convert to boolean
	8704	+ carousel: !!(""),
	8705	+ transposition: !!(""),
	8706	+ customId: ""
	8707	+ });
	8708	+</script>
	8709	+</div>
	8710	+<div class="accordion panelcontainer section">
	8711	+
	8712	+
	8713	+<script src="/etc.clientlibs/core/wcm/components/commons/site/clientlibs/container.min.0a6aff292f5cc42142779cde92054524.js"></script>
	8714	+<script src="/etc.clientlibs/core/wcm/components/accordion/v1/accordion/clientlibs/site.min.c254b351182288a72fbd32db1f3a5320.js"></script>
	8715	+
	8716	+
	8717	+
	8718	+
	8719	+
	8720	+<link rel="stylesheet" href="/etc.clientlibs/core/wcm/components/accordion/v1/accordion/clientlibs/site.min.44a1783be8e88dc73188908af6c38c01.css" type="text/css">
	8721	+<link rel="stylesheet" href="/etc.clientlibs/web-sites-toolkit/components/content/accordion/clientlibs/site.min.f6c1348a612942645a5181a642bcadb4.css" type="text/css">
	8722	+
	8723	+
	8724	+
	8725	+
	8726	+
	8727	+<div id="accordion-d1c9554935" class="cmp-accordion" data-cmp-is="accordion" data-placeholder-text="false">
	8728	+ <div class="cmp-accordion__item" data-cmp-hook-accordion="item" id="accordion-d1c9554935-item-264a601db1">
	8729	+ <h3 class="cmp-accordion__header">
	8730	+ <button id="accordion-d1c9554935-item-264a601db1-button" class="cmp-accordion__button" aria-controls="accordion-d1c9554935-item-264a601db1-panel" data-cmp-hook-accordion="button">
	8731	+ <span class="cmp-accordion__title">See all fixed-rates</span>
	8732	+ <span class="cmp-accordion__icon"></span>
	8733	+ </button>
	8734	+ </h3>
	8735	+ <div data-cmp-hook-accordion="panel" id="accordion-d1c9554935-item-264a601db1-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-d1c9554935-item-264a601db1-button"><div class="container responsivegrid">
	8736	+
	8737	+
	8738	+<link rel="stylesheet" href="/etc.clientlibs/web-sites-toolkit/components/content/container/clientlibs.min.90932f7188b6de3499a57fd9afe1ddb6.css" type="text/css">
	8739	+
	8740	+
	8741	+
	8742	+
	8743	+
	8744	+
	8745	+
	8746	+
	8747	+ <div id="container-264a601db1" class="cmp-container">
	8748	+
	8749	+ <div class="table parbase">
	8750	+
	8751	+
	8752	+
	8753	+
	8754	+
	8755	+
	8756	+
	8757	+<div class="table-container">
	8758	+ <table class="bncr-table bncr-table-mobile" width="100%" cellspacing="0" cellpadding="1" border="1">
	8759	+ <tbody>
	8760	+ <tr class="no-border">
	8761	+ <th style="text-align: center; width: 25%;" class="filled">Term</th>
	8762	+ <th style="text-align: center; width: 25%;" class="filled">Open</th>
	8763	+ <th style="text-align: center; width: 25%;" class="filled">Closed</th>
	8764	+ <th style="text-align: center; width: 25%;" class="filled">APR<a href="#notes-item-30819b1e37" target="_self" class="link-not-underlined__darker" hrefnoextension="false"><sup style="left: 0;">8</sup>**</a></th>
	8765	+ </tr>
	8766	+ <tr>
	8767	+ <td><p style="margin-left: 40px;">6 years</p></td>
	8768	+ <td><p style="margin-left: 40px;">---</p></td>
	8769	+ <td><p style="margin-left: 40px;"><span static-token='taux6ansF\|percent:"true"'>${p1.taux6ansF\|percent:"true"}</span><br></p></td>
	8770	+ <td><p style="margin-left: 40px;">6.44%</p></td>
	8771	+ </tr>
	8772	+ <tr>
	8773	+ <td><p style="margin-left: 40px;">7 years</p></td>
	8774	+ <td><p style="margin-left: 40px;">---</p></td>
	8775	+ <td><p style="margin-left: 40px;"><span static-token='taux7ansF\|percent:"true"'>${p1.taux7ansF\|percent:"true"}</span><br></p></td>
	8776	+ <td><p style="margin-left: 40px;">6.43%</p></td>
	8777	+ </tr>
	8778	+ <tr>
	8779	+ <td><p style="margin-left: 40px;">10 years</p></td>
	8780	+ <td><p style="margin-left: 40px;">---</p></td>
	8781	+ <td><p style="margin-left: 40px;"><span static-token='taux10ansF\|percent:"true"'>${p1.taux10ansF\|percent:"true"}</span><br></p></td>
	8782	+ <td><p style="margin-left: 40px;">6.83%</p></td>
	8783	+ </tr>
	8784	+ </tbody>
	8785	+</table>
	8786	+
	8787	+ <span class="table-carousel-arrow arrow-left"><i class="fa fa-angle-left"></i></span>
	8788	+ <span class="table-carousel-arrow arrow-right"><i class="fa fa-angle-right"></i></span>
	8789	+ <div class="table-carousel-dots"></div>
	8790	+</div>
	8791	+
	8792	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer/parsys/accordion_1525997712/item_1330618322/table_copy_165091638">
	8793	+ new Websites.TableStatic({
	8794	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer/parsys/accordion_1525997712/item_1330618322/table_copy_165091638",
	8795	+ listeners: JSON.parse("[]".replace(new RegExp('\\["', 'g'), '[').replace(new RegExp('\\"]', 'g'), ']').replace(new RegExp('\\\\', 'g'), '')),
	8796	+ capsuleAlias: "c1",
	8797	+ staticHeader: !!(""), // use !! to convert to boolean
	8798	+ carousel: !!(""),
	8799	+ transposition: !!(""),
	8800	+ customId: ""
	8801	+ });
	8802	+</script>
	8803	+</div>
	8804	+
	8805	+
	8806	+ </div>
	8807	+
	8808	+</div>
	8809	+</div>
	8810	+ </div>
	8811	+
	8812	+
	8813	+</div>
	8814	+</div>
	8815	+
	8816	+</div>
	8817	+
	8818	+</div>
	8819	+
	8820	+
	8821	+
	8822	+<!--/* Initialize Js */-->
	8823	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer">
	8824	+ if(""){
	8825	+ new Websites.Sticky({
	8826	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer",
	8827	+ breakpoint: {
	8828	+ lg: {
	8829	+ to: ""
	8830	+ },
	8831	+ md: {
	8832	+ to: ""
	8833	+ },
	8834	+ sm: {
	8835	+ to: "none",
	8836	+ },
	8837	+ xs: {
	8838	+ to: "none"
	8839	+ }
	8840	+ }
	8841	+ });
	8842	+ }
	8843	+</script>
	8844	+
	8845	+</div>
	8846	+</div>
	8847	+<div class="panelContainer section">
	8848	+
	8849	+
	8850	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	8851	+
	8852	+
	8853	+
	8854	+ <div>
	8855	+
	8856	+
	8857	+
	8858	+
	8859	+
	8860	+
	8861	+
	8862	+
	8863	+
	8864	+
	8865	+
	8866	+
	8867	+
	8868	+
	8869	+
	8870	+
	8871	+
	8872	+
	8873	+
	8874	+
	8875	+
	8876	+
	8877	+
	8878	+<div class="panelContainer "
	8879	+
	8880	+
	8881	+ data-websites-component="/components/panelContainer.v1"
	8882	+ data-panel-container-lg-mg="5% 0 0 0"
	8883	+ data-panel-container-lg-pd=""
	8884	+ data-panel-container-lg-ht=""
	8885	+ data-panel-container-md-mg="5% 0 0 0"
	8886	+ data-panel-container-md-pd=""
	8887	+ data-panel-container-md-ht=""
	8888	+ data-panel-container-sm-mg="5% 0 0 0"
	8889	+ data-panel-container-sm-pd=""
	8890	+ data-panel-container-sm-ht=""
	8891	+ data-panel-container-xs-mg="5% 0 0 0"
	8892	+ data-panel-container-xs-pd=""
	8893	+ data-panel-container-xs-ht=""
	8894	+ data-panel-container-limit="">
	8895	+ <div class="parsys"><div class="textandimage parbase section">
	8896	+
	8897	+
	8898	+
	8899	+
	8900	+
	8901	+
	8902	+
	8903	+
	8904	+
	8905	+
	8906	+
	8907	+
	8908	+
	8909	+
	8910	+
	8911	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_16630_parsys_textandimage" class="text-image-container "
	8912	+ data-text-image-container-right-left="false">
	8913	+
	8914	+
	8915	+
	8916	+
	8917	+
	8918	+
	8919	+
	8920	+
	8921	+
	8922	+ <div class="row text-image-row"
	8923	+ data-websites-component="/components/textandimage/rowcontainer"
	8924	+
	8925	+ data-text-image-rowcontainer-bg-type-lg="none"
	8926	+
	8927	+
	8928	+
	8929	+
	8930	+
	8931	+ data-text-image-rowcontainer-height-lg="0"
	8932	+ data-text-image-rowcontainer-width-lg="0"
	8933	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	8934	+
	8935	+ data-text-image-rowcontainer-bg-type-md="none"
	8936	+
	8937	+
	8938	+
	8939	+
	8940	+
	8941	+ data-text-image-rowcontainer-height-md="0"
	8942	+ data-text-image-rowcontainer-width-md="0"
	8943	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	8944	+
	8945	+ data-text-image-rowcontainer-bg-type-sm="none"
	8946	+
	8947	+
	8948	+
	8949	+
	8950	+
	8951	+ data-text-image-rowcontainer-height-sm="0"
	8952	+ data-text-image-rowcontainer-width-sm="0"
	8953	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	8954	+
	8955	+ data-text-image-rowcontainer-bg-type-xs="none"
	8956	+
	8957	+
	8958	+
	8959	+
	8960	+
	8961	+ data-text-image-rowcontainer-height-xs="0"
	8962	+ data-text-image-rowcontainer-width-xs="0"
	8963	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	8964	+
	8965	+ <div class="col-xs-12 text-image-text-container " ><h2 class="h2variant1"><a id="variable-rate"></a>Variable-rate loan<br>
	8966	+</h2>
	8967	+</div>
	8968	+ </div>
	8969	+
	8970	+
	8971	+
	8972	+
	8973	+
	8974	+
	8975	+
	8976	+
	8977	+
	8978	+
	8979	+
	8980	+ <script>
	8981	+
	8982	+ (function(){
	8983	+
	8984	+ var dataLayerViewEventName = '' \|\| '';
	8985	+ var dataLayerViewLayerProperties = [];
	8986	+ var $el;
	8987	+
	8988	+
	8989	+
	8990	+ if(dataLayerViewEventName.trim().length) {
	8991	+
	8992	+ var obj = {
	8993	+ dataLayerViewEventName: dataLayerViewEventName,
	8994	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_16630_parsys_textandimage" ,
	8995	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	8996	+ };
	8997	+
	8998	+ // IE11 trick (because IE11 don't know document.currentScript):
	8999	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	9000	+ if(document.currentScript){
	9001	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	9002	+ } else {
	9003	+ var scripts = document.getElementsByTagName( 'script' );
	9004	+ var currentScript = scripts[scripts.length - 1];
	9005	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	9006	+ }
	9007	+
	9008	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	9009	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	9010	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	9011	+
	9012	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	9013	+
	9014	+ }
	9015	+
	9016	+ })();
	9017	+
	9018	+ </script>
	9019	+
	9020	+</div>
	9021	+
	9022	+ <script>
	9023	+
	9024	+ /**
	9025	+ * clickEventDownloadHandler()
	9026	+ * Is used to handle download image action selected as an opening mode
	9027	+ *
	9028	+ */
	9029	+
	9030	+ var firstDownload = true;
	9031	+
	9032	+ function clickEventDownloadHandler() {
	9033	+
	9034	+ var link = this;
	9035	+ var filename = link.dataset.linkpath;
	9036	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	9037	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	9038	+
	9039	+ if (newFile) {
	9040	+
	9041	+ if (firstDownload) {
	9042	+ firstDownload = false;
	9043	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	9044	+ } else {
	9045	+ this.href = link.href;
	9046	+ }
	9047	+
	9048	+ this.download = fn;
	9049	+
	9050	+ } else {
	9051	+ this.download = fn + ".html";
	9052	+ }
	9053	+ }
	9054	+
	9055	+ </script></div>
	9056	+<div class="panelContainer section">
	9057	+
	9058	+
	9059	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	9060	+
	9061	+
	9062	+
	9063	+ <div>
	9064	+
	9065	+
	9066	+
	9067	+
	9068	+
	9069	+
	9070	+
	9071	+
	9072	+
	9073	+
	9074	+
	9075	+
	9076	+
	9077	+
	9078	+
	9079	+
	9080	+
	9081	+
	9082	+
	9083	+
	9084	+
	9085	+
	9086	+
	9087	+<div class="panelContainer background-none "
	9088	+
	9089	+
	9090	+ data-websites-component="/components/panelContainer.v1"
	9091	+ data-panel-container-lg-mg="1% 20% 0 0"
	9092	+ data-panel-container-lg-pd=""
	9093	+ data-panel-container-lg-ht=""
	9094	+ data-panel-container-md-mg="1% 20% 0 0"
	9095	+ data-panel-container-md-pd=""
	9096	+ data-panel-container-md-ht=""
	9097	+ data-panel-container-sm-mg="1% 0 0 0"
	9098	+ data-panel-container-sm-pd=""
	9099	+ data-panel-container-sm-ht=""
	9100	+ data-panel-container-xs-mg="1% 0 0 0"
	9101	+ data-panel-container-xs-pd=""
	9102	+ data-panel-container-xs-ht=""
	9103	+ data-panel-container-limit="">
	9104	+ <div class="parsys"><div class="textandimage parbase section">
	9105	+
	9106	+
	9107	+
	9108	+
	9109	+
	9110	+
	9111	+
	9112	+
	9113	+
	9114	+
	9115	+
	9116	+
	9117	+
	9118	+
	9119	+
	9120	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_16630_parsys_panelcontainer_parsys_textandimage" class="text-image-container "
	9121	+ data-text-image-container-right-left="false">
	9122	+
	9123	+
	9124	+
	9125	+
	9126	+
	9127	+
	9128	+
	9129	+
	9130	+
	9131	+ <div class="row text-image-row"
	9132	+ data-websites-component="/components/textandimage/rowcontainer"
	9133	+
	9134	+ data-text-image-rowcontainer-bg-type-lg="none"
	9135	+
	9136	+
	9137	+
	9138	+
	9139	+
	9140	+ data-text-image-rowcontainer-height-lg="0"
	9141	+ data-text-image-rowcontainer-width-lg="0"
	9142	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	9143	+
	9144	+ data-text-image-rowcontainer-bg-type-md="none"
	9145	+
	9146	+
	9147	+
	9148	+
	9149	+
	9150	+ data-text-image-rowcontainer-height-md="0"
	9151	+ data-text-image-rowcontainer-width-md="0"
	9152	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	9153	+
	9154	+ data-text-image-rowcontainer-bg-type-sm="none"
	9155	+
	9156	+
	9157	+
	9158	+
	9159	+
	9160	+ data-text-image-rowcontainer-height-sm="0"
	9161	+ data-text-image-rowcontainer-width-sm="0"
	9162	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	9163	+
	9164	+ data-text-image-rowcontainer-bg-type-xs="none"
	9165	+
	9166	+
	9167	+
	9168	+
	9169	+
	9170	+ data-text-image-rowcontainer-height-xs="0"
	9171	+ data-text-image-rowcontainer-width-xs="0"
	9172	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	9173	+
	9174	+ <div class="col-xs-12 text-image-text-container
	9175	+ initializing" ><p>Variable-rate <a href="/personal/mortgages/loan.html" target="_self" class="link-underlined__darker" hrefnoextension="false">mortgage loan </a>have an interest rate of Prime + <span static-token='ecart\|percent:"true"'>${p2.ecart\|percent:"true"}</span><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false"><sup>4</sup></a> and are adjusted monthly. They allow you to take advantage of lower interest rates.</p></div>
	9176	+ </div>
	9177	+
	9178	+
	9179	+
	9180	+
	9181	+
	9182	+
	9183	+
	9184	+
	9185	+
	9186	+
	9187	+
	9188	+
	9189	+ <script>
	9190	+ (function(){
	9191	+ var $el;
	9192	+ var listeners = [];
	9193	+ var dataLayerViewEventName = '';
	9194	+ var dataLayerViewLayerProperties = [];
	9195	+
	9196	+ dataLayerViewEventName = '';
	9197	+
	9198	+
	9199	+
	9200	+
	9201	+
	9202	+ // IE11 trick (because IE11 don't know document.currentScript):
	9203	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	9204	+ if(document.currentScript){
	9205	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	9206	+ } else {
	9207	+ var scripts = document.getElementsByTagName( 'script' );
	9208	+ var currentScript = scripts[scripts.length - 1];
	9209	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	9210	+ }
	9211	+
	9212	+ Websites.Product.Core.initContentQueue.push(function () {
	9213	+ Websites.Product.TextContent.initTextContent({
	9214	+ $el: $el,
	9215	+ capsuleAlias: "c1",
	9216	+ listeners: listeners,
	9217	+ products: Websites.Product.Core.determineProductsArray("c1"),
	9218	+ dataLayerViewEvent: {
	9219	+ dataLayerViewEventName: dataLayerViewEventName,
	9220	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_16630_parsys_panelcontainer_parsys_textandimage" ,
	9221	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	9222	+ }
	9223	+ });
	9224	+ });
	9225	+ })();
	9226	+
	9227	+ </script>
	9228	+
	9229	+
	9230	+
	9231	+
	9232	+
	9233	+</div>
	9234	+
	9235	+ <script>
	9236	+
	9237	+ /**
	9238	+ * clickEventDownloadHandler()
	9239	+ * Is used to handle download image action selected as an opening mode
	9240	+ *
	9241	+ */
	9242	+
	9243	+ var firstDownload = true;
	9244	+
	9245	+ function clickEventDownloadHandler() {
	9246	+
	9247	+ var link = this;
	9248	+ var filename = link.dataset.linkpath;
	9249	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	9250	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	9251	+
	9252	+ if (newFile) {
	9253	+
	9254	+ if (firstDownload) {
	9255	+ firstDownload = false;
	9256	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	9257	+ } else {
	9258	+ this.href = link.href;
	9259	+ }
	9260	+
	9261	+ this.download = fn;
	9262	+
	9263	+ } else {
	9264	+ this.download = fn + ".html";
	9265	+ }
	9266	+ }
	9267	+
	9268	+ </script></div>
	9269	+
	9270	+</div>
	9271	+
	9272	+</div>
	9273	+
	9274	+
	9275	+
	9276	+<!--/* Initialize Js */-->
	9277	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer_16630/parsys/panelcontainer">
	9278	+ if(""){
	9279	+ new Websites.Sticky({
	9280	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer_16630/parsys/panelcontainer",
	9281	+ breakpoint: {
	9282	+ lg: {
	9283	+ to: ""
	9284	+ },
	9285	+ md: {
	9286	+ to: ""
	9287	+ },
	9288	+ sm: {
	9289	+ to: "",
	9290	+ },
	9291	+ xs: {
	9292	+ to: ""
	9293	+ }
	9294	+ }
	9295	+ });
	9296	+ }
	9297	+</script>
	9298	+
	9299	+</div>
	9300	+</div>
	9301	+<div class="textandimage parbase section">
	9302	+
	9303	+
	9304	+
	9305	+
	9306	+
	9307	+
	9308	+
	9309	+
	9310	+
	9311	+
	9312	+
	9313	+
	9314	+
	9315	+
	9316	+
	9317	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_16630_parsys_textandimage_2116172872" class="text-image-container "
	9318	+ data-text-image-container-right-left="false">
	9319	+
	9320	+
	9321	+
	9322	+
	9323	+
	9324	+
	9325	+
	9326	+
	9327	+
	9328	+ <div class="row text-image-row"
	9329	+ data-websites-component="/components/textandimage/rowcontainer"
	9330	+
	9331	+ data-text-image-rowcontainer-bg-type-lg="none"
	9332	+
	9333	+
	9334	+
	9335	+
	9336	+
	9337	+ data-text-image-rowcontainer-height-lg="0"
	9338	+ data-text-image-rowcontainer-width-lg="0"
	9339	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	9340	+
	9341	+ data-text-image-rowcontainer-bg-type-md="none"
	9342	+
	9343	+
	9344	+
	9345	+
	9346	+
	9347	+ data-text-image-rowcontainer-height-md="0"
	9348	+ data-text-image-rowcontainer-width-md="0"
	9349	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	9350	+
	9351	+ data-text-image-rowcontainer-bg-type-sm="none"
	9352	+
	9353	+
	9354	+
	9355	+
	9356	+
	9357	+ data-text-image-rowcontainer-height-sm="0"
	9358	+ data-text-image-rowcontainer-width-sm="0"
	9359	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	9360	+
	9361	+ data-text-image-rowcontainer-bg-type-xs="none"
	9362	+
	9363	+
	9364	+
	9365	+
	9366	+
	9367	+ data-text-image-rowcontainer-height-xs="0"
	9368	+ data-text-image-rowcontainer-width-xs="0"
	9369	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	9370	+
	9371	+ <div class="col-xs-12 text-image-text-container
	9372	+ initializing" ><p class="pvariant3"><b><br>
	9373	+ Rate (%) as at <span static-token='tauxDateJour\|date:"-"'>${p2.tauxDateJour\|date:"-"}</span></b></p></div>
	9374	+ </div>
	9375	+
	9376	+
	9377	+
	9378	+
	9379	+
	9380	+
	9381	+
	9382	+
	9383	+
	9384	+
	9385	+
	9386	+
	9387	+ <script>
	9388	+ (function(){
	9389	+ var $el;
	9390	+ var listeners = [];
	9391	+ var dataLayerViewEventName = '';
	9392	+ var dataLayerViewLayerProperties = [];
	9393	+
	9394	+ dataLayerViewEventName = '';
	9395	+
	9396	+
	9397	+
	9398	+
	9399	+
	9400	+ // IE11 trick (because IE11 don't know document.currentScript):
	9401	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	9402	+ if(document.currentScript){
	9403	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	9404	+ } else {
	9405	+ var scripts = document.getElementsByTagName( 'script' );
	9406	+ var currentScript = scripts[scripts.length - 1];
	9407	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	9408	+ }
	9409	+
	9410	+ Websites.Product.Core.initContentQueue.push(function () {
	9411	+ Websites.Product.TextContent.initTextContent({
	9412	+ $el: $el,
	9413	+ capsuleAlias: "c1",
	9414	+ listeners: listeners,
	9415	+ products: Websites.Product.Core.determineProductsArray("c1"),
	9416	+ dataLayerViewEvent: {
	9417	+ dataLayerViewEventName: dataLayerViewEventName,
	9418	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_726300686_parsys_panelcontainer_16630_parsys_textandimage_2116172872" ,
	9419	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	9420	+ }
	9421	+ });
	9422	+ });
	9423	+ })();
	9424	+
	9425	+ </script>
	9426	+
	9427	+
	9428	+
	9429	+
	9430	+
	9431	+</div>
	9432	+
	9433	+ <script>
	9434	+
	9435	+ /**
	9436	+ * clickEventDownloadHandler()
	9437	+ * Is used to handle download image action selected as an opening mode
	9438	+ *
	9439	+ */
	9440	+
	9441	+ var firstDownload = true;
	9442	+
	9443	+ function clickEventDownloadHandler() {
	9444	+
	9445	+ var link = this;
	9446	+ var filename = link.dataset.linkpath;
	9447	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	9448	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	9449	+
	9450	+ if (newFile) {
	9451	+
	9452	+ if (firstDownload) {
	9453	+ firstDownload = false;
	9454	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	9455	+ } else {
	9456	+ this.href = link.href;
	9457	+ }
	9458	+
	9459	+ this.download = fn;
	9460	+
	9461	+ } else {
	9462	+ this.download = fn + ".html";
	9463	+ }
	9464	+ }
	9465	+
	9466	+ </script></div>
	9467	+<div class="table parbase section">
	9468	+
	9469	+
	9470	+
	9471	+
	9472	+
	9473	+
	9474	+
	9475	+<div class="table-container">
	9476	+ <table class="bncr-table bncr-table-mobile" width="100%" cellspacing="0" cellpadding="1" border="1">
	9477	+ <tbody>
	9478	+ <tr class="no-border">
	9479	+ <th style="text-align: center;" class="filled">Mortgage</th>
	9480	+ <th style="text-align: center;" class="filled">Reference rate</th>
	9481	+ <th style="text-align: center;" class="filled">Difference</th>
	9482	+ <th style="text-align: center;" class="filled">Rate in effect<a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">*</a></th>
	9483	+ <th style="text-align: center;" class="filled">APR<a href="#notes-item-30819b1e37" target="_self" class="link-not-underlined__darker" hrefnoextension="false"><sup style="left: 0;">8</sup>**</a></th>
	9484	+ </tr>
	9485	+ <tr class="no-border">
	9486	+ <td colspan="5" class="separator"><b>Prime = <span static-token='tauxBase\|percent'>${p1.tauxBase\|percent}</span></b></td>
	9487	+ </tr>
	9488	+ <tr>
	9489	+ <td>Variable-rate mortgage (60 month term)</td>
	9490	+ <td><p style="margin-left: 40px;">Prime rate<br></p></td>
	9491	+ <td><p style="margin-left: 40px;"><span static-token='ecart\|percent:"true"'>${p2.ecart\|percent:"true"}</span><br></p></td>
	9492	+ <td><p style="margin-left: 40px;"><span static-token='taux5ansO\|percent:"true"'>${p2.taux5ansO\|percent:"true"}</span><br></p></td>
	9493	+ <td><p style="margin-left: 40px;">4.74%</p></td>
	9494	+ </tr>
	9495	+ <tr>
	9496	+ <td><a href="/personal/help-centre.html#mortgage" target="_self" hrefnoextension="false">Capped-rate mortgage</a> (60 month term)</td>
	9497	+ <td><p style="margin-left: 40px;">Prime rate</p> <p style="margin-left: 40px;">Capped rate<a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false"><sup>5</sup></a> = <span static-token='tauxPlafond\|percent:"true"'>${p3.tauxPlafond\|percent:"true"}</span><br></p></td>
	9498	+ <td><p style="margin-left: 40px;"><span static-token='ecart\|percent:"true"'>${p3.ecart\|percent:"true"}</span><br></p></td>
	9499	+ <td><p style="margin-left: 40px;"><span static-token='taux5ansO\|percent:"true"'>${p3.taux5ansO\|percent:"true"}</span><br></p></td>
	9500	+ <td><p style="margin-left: 40px;">5.24%</p></td>
	9501	+ </tr>
	9502	+ </tbody>
	9503	+</table>
	9504	+
	9505	+ <span class="table-carousel-arrow arrow-left"><i class="fa fa-angle-left"></i></span>
	9506	+ <span class="table-carousel-arrow arrow-right"><i class="fa fa-angle-right"></i></span>
	9507	+ <div class="table-carousel-dots"></div>
	9508	+</div>
	9509	+
	9510	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer_16630/parsys/table">
	9511	+ new Websites.TableStatic({
	9512	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer_16630/parsys/table",
	9513	+ listeners: JSON.parse("[]".replace(new RegExp('\\["', 'g'), '[').replace(new RegExp('\\"]', 'g'), ']').replace(new RegExp('\\\\', 'g'), '')),
	9514	+ capsuleAlias: "c1",
	9515	+ staticHeader: !!(""), // use !! to convert to boolean
	9516	+ carousel: !!(""),
	9517	+ transposition: !!(""),
	9518	+ customId: ""
	9519	+ });
	9520	+</script>
	9521	+</div>
	9522	+
	9523	+</div>
	9524	+
	9525	+</div>
	9526	+
	9527	+
	9528	+
	9529	+<!--/* Initialize Js */-->
	9530	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer_16630">
	9531	+ if(""){
	9532	+ new Websites.Sticky({
	9533	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686/parsys/panelcontainer_16630",
	9534	+ breakpoint: {
	9535	+ lg: {
	9536	+ to: ""
	9537	+ },
	9538	+ md: {
	9539	+ to: ""
	9540	+ },
	9541	+ sm: {
	9542	+ to: "",
	9543	+ },
	9544	+ xs: {
	9545	+ to: ""
	9546	+ }
	9547	+ }
	9548	+ });
	9549	+ }
	9550	+</script>
	9551	+
	9552	+</div>
	9553	+</div>
	9554	+
	9555	+</div>
	9556	+
	9557	+</div>
	9558	+
	9559	+
	9560	+
	9561	+<!--/* Initialize Js */-->
	9562	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686">
	9563	+ if(""){
	9564	+ new Websites.Sticky({
	9565	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_726300686",
	9566	+ breakpoint: {
	9567	+ lg: {
	9568	+ to: "none"
	9569	+ },
	9570	+ md: {
	9571	+ to: "none"
	9572	+ },
	9573	+ sm: {
	9574	+ to: "none",
	9575	+ },
	9576	+ xs: {
	9577	+ to: "none"
	9578	+ }
	9579	+ }
	9580	+ });
	9581	+ }
	9582	+</script>
	9583	+
	9584	+</div>
	9585	+</div>
	9586	+<div class="panelContainer section">
	9587	+
	9588	+
	9589	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	9590	+
	9591	+
	9592	+
	9593	+ <div>
	9594	+
	9595	+
	9596	+
	9597	+
	9598	+
	9599	+
	9600	+
	9601	+
	9602	+
	9603	+
	9604	+
	9605	+
	9606	+
	9607	+
	9608	+
	9609	+
	9610	+
	9611	+
	9612	+
	9613	+
	9614	+
	9615	+
	9616	+
	9617	+<div class="panelContainer panelContainerStyle2 "
	9618	+
	9619	+
	9620	+ data-websites-component="/components/panelContainer.v1"
	9621	+ data-panel-container-lg-mg=""
	9622	+ data-panel-container-lg-pd=""
	9623	+ data-panel-container-lg-ht=""
	9624	+ data-panel-container-md-mg=""
	9625	+ data-panel-container-md-pd=""
	9626	+ data-panel-container-md-ht=""
	9627	+ data-panel-container-sm-mg=""
	9628	+ data-panel-container-sm-pd=""
	9629	+ data-panel-container-sm-ht=""
	9630	+ data-panel-container-xs-mg=""
	9631	+ data-panel-container-xs-pd=""
	9632	+ data-panel-container-xs-ht=""
	9633	+ data-panel-container-limit="">
	9634	+ <div class="parsys"><div class="panelContainer section">
	9635	+
	9636	+
	9637	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	9638	+
	9639	+
	9640	+
	9641	+ <div>
	9642	+
	9643	+
	9644	+
	9645	+
	9646	+
	9647	+
	9648	+
	9649	+
	9650	+
	9651	+
	9652	+
	9653	+
	9654	+
	9655	+
	9656	+
	9657	+
	9658	+
	9659	+
	9660	+
	9661	+
	9662	+
	9663	+
	9664	+
	9665	+<div class="panelContainer "
	9666	+
	9667	+
	9668	+ data-websites-component="/components/panelContainer.v1"
	9669	+ data-panel-container-lg-mg="2% 0 0 0"
	9670	+ data-panel-container-lg-pd=""
	9671	+ data-panel-container-lg-ht=""
	9672	+ data-panel-container-md-mg="2% 0 0 0"
	9673	+ data-panel-container-md-pd=""
	9674	+ data-panel-container-md-ht=""
	9675	+ data-panel-container-sm-mg="2% 0 0 0"
	9676	+ data-panel-container-sm-pd=""
	9677	+ data-panel-container-sm-ht=""
	9678	+ data-panel-container-xs-mg="2% 0 0 0"
	9679	+ data-panel-container-xs-pd=""
	9680	+ data-panel-container-xs-ht=""
	9681	+ data-panel-container-limit="">
	9682	+ <div class="parsys"><div class="textandimage parbase section">
	9683	+
	9684	+
	9685	+
	9686	+
	9687	+
	9688	+
	9689	+
	9690	+
	9691	+
	9692	+
	9693	+
	9694	+
	9695	+
	9696	+
	9697	+
	9698	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_70689_parsys_textandimage" class="text-image-container "
	9699	+ data-text-image-container-right-left="false">
	9700	+
	9701	+
	9702	+
	9703	+
	9704	+
	9705	+
	9706	+
	9707	+
	9708	+
	9709	+ <div class="row text-image-row"
	9710	+ data-websites-component="/components/textandimage/rowcontainer"
	9711	+
	9712	+ data-text-image-rowcontainer-bg-type-lg="none"
	9713	+
	9714	+
	9715	+
	9716	+
	9717	+
	9718	+ data-text-image-rowcontainer-height-lg="0"
	9719	+ data-text-image-rowcontainer-width-lg="0"
	9720	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	9721	+
	9722	+ data-text-image-rowcontainer-bg-type-md="none"
	9723	+
	9724	+
	9725	+
	9726	+
	9727	+
	9728	+ data-text-image-rowcontainer-height-md="0"
	9729	+ data-text-image-rowcontainer-width-md="0"
	9730	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	9731	+
	9732	+ data-text-image-rowcontainer-bg-type-sm="none"
	9733	+
	9734	+
	9735	+
	9736	+
	9737	+
	9738	+ data-text-image-rowcontainer-height-sm="0"
	9739	+ data-text-image-rowcontainer-width-sm="0"
	9740	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	9741	+
	9742	+ data-text-image-rowcontainer-bg-type-xs="none"
	9743	+
	9744	+
	9745	+
	9746	+
	9747	+
	9748	+ data-text-image-rowcontainer-height-xs="0"
	9749	+ data-text-image-rowcontainer-width-xs="0"
	9750	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	9751	+
	9752	+ <div class="col-xs-12 text-image-text-container " ><h2 class="h2variant1"><a id="credit"></a>Home equity line of credit<br>
	9753	+</h2>
	9754	+</div>
	9755	+ </div>
	9756	+
	9757	+
	9758	+
	9759	+
	9760	+
	9761	+
	9762	+
	9763	+
	9764	+
	9765	+
	9766	+
	9767	+ <script>
	9768	+
	9769	+ (function(){
	9770	+
	9771	+ var dataLayerViewEventName = '' \|\| '';
	9772	+ var dataLayerViewLayerProperties = [];
	9773	+ var $el;
	9774	+
	9775	+
	9776	+
	9777	+ if(dataLayerViewEventName.trim().length) {
	9778	+
	9779	+ var obj = {
	9780	+ dataLayerViewEventName: dataLayerViewEventName,
	9781	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_70689_parsys_textandimage" ,
	9782	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	9783	+ };
	9784	+
	9785	+ // IE11 trick (because IE11 don't know document.currentScript):
	9786	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	9787	+ if(document.currentScript){
	9788	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	9789	+ } else {
	9790	+ var scripts = document.getElementsByTagName( 'script' );
	9791	+ var currentScript = scripts[scripts.length - 1];
	9792	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	9793	+ }
	9794	+
	9795	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	9796	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	9797	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	9798	+
	9799	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	9800	+
	9801	+ }
	9802	+
	9803	+ })();
	9804	+
	9805	+ </script>
	9806	+
	9807	+</div>
	9808	+
	9809	+ <script>
	9810	+
	9811	+ /**
	9812	+ * clickEventDownloadHandler()
	9813	+ * Is used to handle download image action selected as an opening mode
	9814	+ *
	9815	+ */
	9816	+
	9817	+ var firstDownload = true;
	9818	+
	9819	+ function clickEventDownloadHandler() {
	9820	+
	9821	+ var link = this;
	9822	+ var filename = link.dataset.linkpath;
	9823	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	9824	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	9825	+
	9826	+ if (newFile) {
	9827	+
	9828	+ if (firstDownload) {
	9829	+ firstDownload = false;
	9830	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	9831	+ } else {
	9832	+ this.href = link.href;
	9833	+ }
	9834	+
	9835	+ this.download = fn;
	9836	+
	9837	+ } else {
	9838	+ this.download = fn + ".html";
	9839	+ }
	9840	+ }
	9841	+
	9842	+ </script></div>
	9843	+<div class="panelContainer section">
	9844	+
	9845	+
	9846	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	9847	+
	9848	+
	9849	+
	9850	+ <div>
	9851	+
	9852	+
	9853	+
	9854	+
	9855	+
	9856	+
	9857	+
	9858	+
	9859	+
	9860	+
	9861	+
	9862	+
	9863	+
	9864	+
	9865	+
	9866	+
	9867	+
	9868	+
	9869	+
	9870	+
	9871	+
	9872	+
	9873	+
	9874	+<div class="panelContainer background-none "
	9875	+
	9876	+
	9877	+ data-websites-component="/components/panelContainer.v1"
	9878	+ data-panel-container-lg-mg="1% 20% 0 0"
	9879	+ data-panel-container-lg-pd=""
	9880	+ data-panel-container-lg-ht=""
	9881	+ data-panel-container-md-mg="1% 20% 0 0"
	9882	+ data-panel-container-md-pd=""
	9883	+ data-panel-container-md-ht=""
	9884	+ data-panel-container-sm-mg="1% 0 0 0"
	9885	+ data-panel-container-sm-pd=""
	9886	+ data-panel-container-sm-ht=""
	9887	+ data-panel-container-xs-mg="1% 0 0 0"
	9888	+ data-panel-container-xs-pd=""
	9889	+ data-panel-container-xs-ht=""
	9890	+ data-panel-container-limit="">
	9891	+ <div class="parsys"><div class="textandimage parbase section">
	9892	+
	9893	+
	9894	+
	9895	+
	9896	+
	9897	+
	9898	+
	9899	+
	9900	+
	9901	+
	9902	+
	9903	+
	9904	+
	9905	+
	9906	+
	9907	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_70689_parsys_panelcontainer_parsys_textandimage" class="text-image-container "
	9908	+ data-text-image-container-right-left="false">
	9909	+
	9910	+
	9911	+
	9912	+
	9913	+
	9914	+
	9915	+
	9916	+
	9917	+
	9918	+ <div class="row text-image-row"
	9919	+ data-websites-component="/components/textandimage/rowcontainer"
	9920	+
	9921	+ data-text-image-rowcontainer-bg-type-lg="none"
	9922	+
	9923	+
	9924	+
	9925	+
	9926	+
	9927	+ data-text-image-rowcontainer-height-lg="0"
	9928	+ data-text-image-rowcontainer-width-lg="0"
	9929	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	9930	+
	9931	+ data-text-image-rowcontainer-bg-type-md="none"
	9932	+
	9933	+
	9934	+
	9935	+
	9936	+
	9937	+ data-text-image-rowcontainer-height-md="0"
	9938	+ data-text-image-rowcontainer-width-md="0"
	9939	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	9940	+
	9941	+ data-text-image-rowcontainer-bg-type-sm="none"
	9942	+
	9943	+
	9944	+
	9945	+
	9946	+
	9947	+ data-text-image-rowcontainer-height-sm="0"
	9948	+ data-text-image-rowcontainer-width-sm="0"
	9949	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	9950	+
	9951	+ data-text-image-rowcontainer-bg-type-xs="none"
	9952	+
	9953	+
	9954	+
	9955	+
	9956	+
	9957	+ data-text-image-rowcontainer-height-xs="0"
	9958	+ data-text-image-rowcontainer-width-xs="0"
	9959	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	9960	+
	9961	+ <div class="col-xs-12 text-image-text-container " ><p>The All-In-One<sup><a hrefnoextension="false" href="#notes-item-30819b1e37" target="_self">TM</a></sup> <a href="/personal/mortgages/all-in-one.html" target="_self" class="link-underlined__darker" hrefnoextension="false">home equity line of credit</a> allows you to use the principal you repay to finance new projects, like renovations or travel. The rate is variable.<br>
	9962	+</p>
	9963	+</div>
	9964	+ </div>
	9965	+
	9966	+
	9967	+
	9968	+
	9969	+
	9970	+
	9971	+
	9972	+
	9973	+
	9974	+
	9975	+
	9976	+ <script>
	9977	+
	9978	+ (function(){
	9979	+
	9980	+ var dataLayerViewEventName = '' \|\| '';
	9981	+ var dataLayerViewLayerProperties = [];
	9982	+ var $el;
	9983	+
	9984	+
	9985	+
	9986	+ if(dataLayerViewEventName.trim().length) {
	9987	+
	9988	+ var obj = {
	9989	+ dataLayerViewEventName: dataLayerViewEventName,
	9990	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_70689_parsys_panelcontainer_parsys_textandimage" ,
	9991	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	9992	+ };
	9993	+
	9994	+ // IE11 trick (because IE11 don't know document.currentScript):
	9995	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	9996	+ if(document.currentScript){
	9997	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	9998	+ } else {
	9999	+ var scripts = document.getElementsByTagName( 'script' );
	10000	+ var currentScript = scripts[scripts.length - 1];
	10001	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	10002	+ }
	10003	+
	10004	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	10005	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	10006	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	10007	+
	10008	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	10009	+
	10010	+ }
	10011	+
	10012	+ })();
	10013	+
	10014	+ </script>
	10015	+
	10016	+</div>
	10017	+
	10018	+ <script>
	10019	+
	10020	+ /**
	10021	+ * clickEventDownloadHandler()
	10022	+ * Is used to handle download image action selected as an opening mode
	10023	+ *
	10024	+ */
	10025	+
	10026	+ var firstDownload = true;
	10027	+
	10028	+ function clickEventDownloadHandler() {
	10029	+
	10030	+ var link = this;
	10031	+ var filename = link.dataset.linkpath;
	10032	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	10033	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	10034	+
	10035	+ if (newFile) {
	10036	+
	10037	+ if (firstDownload) {
	10038	+ firstDownload = false;
	10039	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	10040	+ } else {
	10041	+ this.href = link.href;
	10042	+ }
	10043	+
	10044	+ this.download = fn;
	10045	+
	10046	+ } else {
	10047	+ this.download = fn + ".html";
	10048	+ }
	10049	+ }
	10050	+
	10051	+ </script></div>
	10052	+
	10053	+</div>
	10054	+
	10055	+</div>
	10056	+
	10057	+
	10058	+
	10059	+<!--/* Initialize Js */-->
	10060	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer_70689/parsys/panelcontainer">
	10061	+ if(""){
	10062	+ new Websites.Sticky({
	10063	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer_70689/parsys/panelcontainer",
	10064	+ breakpoint: {
	10065	+ lg: {
	10066	+ to: ""
	10067	+ },
	10068	+ md: {
	10069	+ to: ""
	10070	+ },
	10071	+ sm: {
	10072	+ to: "",
	10073	+ },
	10074	+ xs: {
	10075	+ to: ""
	10076	+ }
	10077	+ }
	10078	+ });
	10079	+ }
	10080	+</script>
	10081	+
	10082	+</div>
	10083	+</div>
	10084	+
	10085	+</div>
	10086	+
	10087	+</div>
	10088	+
	10089	+
	10090	+
	10091	+<!--/* Initialize Js */-->
	10092	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer_70689">
	10093	+ if(""){
	10094	+ new Websites.Sticky({
	10095	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer_70689",
	10096	+ breakpoint: {
	10097	+ lg: {
	10098	+ to: "none"
	10099	+ },
	10100	+ md: {
	10101	+ to: "none"
	10102	+ },
	10103	+ sm: {
	10104	+ to: "none",
	10105	+ },
	10106	+ xs: {
	10107	+ to: "none"
	10108	+ }
	10109	+ }
	10110	+ });
	10111	+ }
	10112	+</script>
	10113	+
	10114	+</div>
	10115	+</div>
	10116	+<div class="textandimage parbase section">
	10117	+
	10118	+
	10119	+
	10120	+
	10121	+
	10122	+
	10123	+
	10124	+
	10125	+
	10126	+
	10127	+
	10128	+
	10129	+
	10130	+
	10131	+
	10132	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_textandimage_2116172" class="text-image-container "
	10133	+ data-text-image-container-right-left="false">
	10134	+
	10135	+
	10136	+
	10137	+
	10138	+
	10139	+
	10140	+
	10141	+
	10142	+
	10143	+ <div class="row text-image-row"
	10144	+ data-websites-component="/components/textandimage/rowcontainer"
	10145	+
	10146	+ data-text-image-rowcontainer-bg-type-lg="none"
	10147	+
	10148	+
	10149	+
	10150	+
	10151	+
	10152	+ data-text-image-rowcontainer-height-lg="0"
	10153	+ data-text-image-rowcontainer-width-lg="0"
	10154	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	10155	+
	10156	+ data-text-image-rowcontainer-bg-type-md="none"
	10157	+
	10158	+
	10159	+
	10160	+
	10161	+
	10162	+ data-text-image-rowcontainer-height-md="0"
	10163	+ data-text-image-rowcontainer-width-md="0"
	10164	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	10165	+
	10166	+ data-text-image-rowcontainer-bg-type-sm="none"
	10167	+
	10168	+
	10169	+
	10170	+
	10171	+
	10172	+ data-text-image-rowcontainer-height-sm="0"
	10173	+ data-text-image-rowcontainer-width-sm="0"
	10174	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	10175	+
	10176	+ data-text-image-rowcontainer-bg-type-xs="none"
	10177	+
	10178	+
	10179	+
	10180	+
	10181	+
	10182	+ data-text-image-rowcontainer-height-xs="0"
	10183	+ data-text-image-rowcontainer-width-xs="0"
	10184	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	10185	+
	10186	+ <div class="col-xs-12 text-image-text-container
	10187	+ initializing" ><p class="pvariant3"><b><br>
	10188	+ Rate (%) as at <span static-token='tauxDateJour\|date:"-"'>${p2.tauxDateJour\|date:"-"}</span><br>
	10189	+ </b></p></div>
	10190	+ </div>
	10191	+
	10192	+
	10193	+
	10194	+
	10195	+
	10196	+
	10197	+
	10198	+
	10199	+
	10200	+
	10201	+
	10202	+
	10203	+ <script>
	10204	+ (function(){
	10205	+ var $el;
	10206	+ var listeners = [];
	10207	+ var dataLayerViewEventName = '';
	10208	+ var dataLayerViewLayerProperties = [];
	10209	+
	10210	+ dataLayerViewEventName = '';
	10211	+
	10212	+
	10213	+
	10214	+
	10215	+
	10216	+ // IE11 trick (because IE11 don't know document.currentScript):
	10217	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	10218	+ if(document.currentScript){
	10219	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	10220	+ } else {
	10221	+ var scripts = document.getElementsByTagName( 'script' );
	10222	+ var currentScript = scripts[scripts.length - 1];
	10223	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	10224	+ }
	10225	+
	10226	+ Websites.Product.Core.initContentQueue.push(function () {
	10227	+ Websites.Product.TextContent.initTextContent({
	10228	+ $el: $el,
	10229	+ capsuleAlias: "c1",
	10230	+ listeners: listeners,
	10231	+ products: Websites.Product.Core.determineProductsArray("c1"),
	10232	+ dataLayerViewEvent: {
	10233	+ dataLayerViewEventName: dataLayerViewEventName,
	10234	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_textandimage_2116172" ,
	10235	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	10236	+ }
	10237	+ });
	10238	+ });
	10239	+ })();
	10240	+
	10241	+ </script>
	10242	+
	10243	+
	10244	+
	10245	+
	10246	+
	10247	+</div>
	10248	+
	10249	+ <script>
	10250	+
	10251	+ /**
	10252	+ * clickEventDownloadHandler()
	10253	+ * Is used to handle download image action selected as an opening mode
	10254	+ *
	10255	+ */
	10256	+
	10257	+ var firstDownload = true;
	10258	+
	10259	+ function clickEventDownloadHandler() {
	10260	+
	10261	+ var link = this;
	10262	+ var filename = link.dataset.linkpath;
	10263	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	10264	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	10265	+
	10266	+ if (newFile) {
	10267	+
	10268	+ if (firstDownload) {
	10269	+ firstDownload = false;
	10270	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	10271	+ } else {
	10272	+ this.href = link.href;
	10273	+ }
	10274	+
	10275	+ this.download = fn;
	10276	+
	10277	+ } else {
	10278	+ this.download = fn + ".html";
	10279	+ }
	10280	+ }
	10281	+
	10282	+ </script></div>
	10283	+<div class="table parbase section">
	10284	+
	10285	+
	10286	+
	10287	+
	10288	+
	10289	+
	10290	+
	10291	+<div class="table-container">
	10292	+ <table width="100%" cellspacing="0" cellpadding="1" border="1" class="bncr-table bncr-table-mobile">
	10293	+ <tbody>
	10294	+ <tr class="no-border">
	10295	+ <th class="filled"> </th>
	10296	+ <th style="text-align: center;" class="filled">Prime rate<br></th>
	10297	+ <th style="text-align: center;" class="filled">Difference</th>
	10298	+ <th style="text-align: center;" class="filled">Rate in effect<a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false">*</a></th>
	10299	+ <th style="text-align: center;" class="filled">Interest earned</th>
	10300	+ </tr>
	10301	+ <tr>
	10302	+ <td><p>Rate for the home equity line of credit<br></p></td>
	10303	+ <td><p style="text-align: center;"><span static-token='tauxBase\|percent:"true"'>${p5.tauxBase\|percent:"true"}</span><br></p></td>
	10304	+ <td><p style="text-align: center;">1%<br></p></td>
	10305	+ <td><p style="text-align: center;"><span static-token='taux\|percent:"true"'>${p5.taux\|percent:"true"}</span><br></p></td>
	10306	+ <td style="text-align: center;"><p style="text-align: center;"><span static-token='interetCredT2\|percent:"true"'>${p5.interetCredT2\|percent:"true"}</span><sup> </sup><a href="#notes-item-30819b1e37" target="_self" hrefnoextension="false"><sup>6</sup></a></p></td>
	10307	+ </tr>
	10308	+ <tr>
	10309	+ <td colspan="5"><p>Fixed rate of 7$ per month, per account</p></td>
	10310	+ </tr>
	10311	+ </tbody>
	10312	+</table>
	10313	+
	10314	+ <span class="table-carousel-arrow arrow-left"><i class="fa fa-angle-left"></i></span>
	10315	+ <span class="table-carousel-arrow arrow-right"><i class="fa fa-angle-right"></i></span>
	10316	+ <div class="table-carousel-dots"></div>
	10317	+</div>
	10318	+
	10319	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/table_copy_copy">
	10320	+ new Websites.TableStatic({
	10321	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/table_copy_copy",
	10322	+ listeners: JSON.parse("[]".replace(new RegExp('\\["', 'g'), '[').replace(new RegExp('\\"]', 'g'), ']').replace(new RegExp('\\\\', 'g'), '')),
	10323	+ capsuleAlias: "c2",
	10324	+ staticHeader: !!(""), // use !! to convert to boolean
	10325	+ carousel: !!(""),
	10326	+ transposition: !!(""),
	10327	+ customId: ""
	10328	+ });
	10329	+</script>
	10330	+</div>
	10331	+<div class="textandimage parbase section">
	10332	+
	10333	+
	10334	+
	10335	+
	10336	+
	10337	+
	10338	+
	10339	+
	10340	+
	10341	+
	10342	+
	10343	+
	10344	+
	10345	+
	10346	+
	10347	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_textandimage" class="text-image-container "
	10348	+ data-text-image-container-right-left="false">
	10349	+
	10350	+
	10351	+
	10352	+
	10353	+
	10354	+
	10355	+
	10356	+
	10357	+
	10358	+ <div class="row text-image-row"
	10359	+ data-websites-component="/components/textandimage/rowcontainer"
	10360	+
	10361	+ data-text-image-rowcontainer-bg-type-lg=""
	10362	+
	10363	+
	10364	+
	10365	+
	10366	+
	10367	+ data-text-image-rowcontainer-height-lg="0"
	10368	+ data-text-image-rowcontainer-width-lg="0"
	10369	+ data-text-image-rowcontainer-class-lg=""
	10370	+
	10371	+ data-text-image-rowcontainer-bg-type-md=""
	10372	+
	10373	+
	10374	+
	10375	+
	10376	+
	10377	+ data-text-image-rowcontainer-height-md="0"
	10378	+ data-text-image-rowcontainer-width-md="0"
	10379	+ data-text-image-rowcontainer-class-md=""
	10380	+
	10381	+ data-text-image-rowcontainer-bg-type-sm=""
	10382	+
	10383	+
	10384	+
	10385	+
	10386	+
	10387	+ data-text-image-rowcontainer-height-sm="0"
	10388	+ data-text-image-rowcontainer-width-sm="0"
	10389	+ data-text-image-rowcontainer-class-sm=""
	10390	+
	10391	+ data-text-image-rowcontainer-bg-type-xs=""
	10392	+
	10393	+
	10394	+
	10395	+
	10396	+
	10397	+ data-text-image-rowcontainer-height-xs="0"
	10398	+ data-text-image-rowcontainer-width-xs="0"
	10399	+ data-text-image-rowcontainer-class-xs="">
	10400	+
	10401	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><a href="/personal/mortgages/all-in-one.html" target="_self" class="btnRTE4 btn-arrow btn" hrefnoextension="false">See the line of credit</a></p>
	10402	+</div>
	10403	+ </div>
	10404	+
	10405	+
	10406	+
	10407	+
	10408	+
	10409	+
	10410	+
	10411	+
	10412	+
	10413	+
	10414	+
	10415	+ <script>
	10416	+
	10417	+ (function(){
	10418	+
	10419	+ var dataLayerViewEventName = '' \|\| '';
	10420	+ var dataLayerViewLayerProperties = [];
	10421	+ var $el;
	10422	+
	10423	+
	10424	+
	10425	+ if(dataLayerViewEventName.trim().length) {
	10426	+
	10427	+ var obj = {
	10428	+ dataLayerViewEventName: dataLayerViewEventName,
	10429	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_textandimage" ,
	10430	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	10431	+ };
	10432	+
	10433	+ // IE11 trick (because IE11 don't know document.currentScript):
	10434	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	10435	+ if(document.currentScript){
	10436	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	10437	+ } else {
	10438	+ var scripts = document.getElementsByTagName( 'script' );
	10439	+ var currentScript = scripts[scripts.length - 1];
	10440	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	10441	+ }
	10442	+
	10443	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	10444	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	10445	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	10446	+
	10447	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	10448	+
	10449	+ }
	10450	+
	10451	+ })();
	10452	+
	10453	+ </script>
	10454	+
	10455	+</div>
	10456	+
	10457	+ <script>
	10458	+
	10459	+ /**
	10460	+ * clickEventDownloadHandler()
	10461	+ * Is used to handle download image action selected as an opening mode
	10462	+ *
	10463	+ */
	10464	+
	10465	+ var firstDownload = true;
	10466	+
	10467	+ function clickEventDownloadHandler() {
	10468	+
	10469	+ var link = this;
	10470	+ var filename = link.dataset.linkpath;
	10471	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	10472	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	10473	+
	10474	+ if (newFile) {
	10475	+
	10476	+ if (firstDownload) {
	10477	+ firstDownload = false;
	10478	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	10479	+ } else {
	10480	+ this.href = link.href;
	10481	+ }
	10482	+
	10483	+ this.download = fn;
	10484	+
	10485	+ } else {
	10486	+ this.download = fn + ".html";
	10487	+ }
	10488	+ }
	10489	+
	10490	+ </script></div>
	10491	+<div class="panelContainer section">
	10492	+
	10493	+
	10494	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	10495	+
	10496	+
	10497	+
	10498	+ <div>
	10499	+
	10500	+
	10501	+
	10502	+
	10503	+
	10504	+
	10505	+
	10506	+
	10507	+
	10508	+
	10509	+
	10510	+
	10511	+
	10512	+
	10513	+
	10514	+
	10515	+
	10516	+
	10517	+
	10518	+
	10519	+
	10520	+
	10521	+
	10522	+<div class="panelContainer hidden-lg hidden-md hidden-sm hidden-xs "
	10523	+
	10524	+
	10525	+ data-websites-component="/components/panelContainer.v1"
	10526	+ data-panel-container-lg-mg=""
	10527	+ data-panel-container-lg-pd=""
	10528	+ data-panel-container-lg-ht=""
	10529	+ data-panel-container-md-mg=""
	10530	+ data-panel-container-md-pd=""
	10531	+ data-panel-container-md-ht=""
	10532	+ data-panel-container-sm-mg=""
	10533	+ data-panel-container-sm-pd=""
	10534	+ data-panel-container-sm-ht=""
	10535	+ data-panel-container-xs-mg=""
	10536	+ data-panel-container-xs-pd=""
	10537	+ data-panel-container-xs-ht=""
	10538	+ data-panel-container-limit="">
	10539	+ <div class="parsys"><div class="table parbase section">
	10540	+
	10541	+
	10542	+
	10543	+
	10544	+
	10545	+
	10546	+
	10547	+<div class="table-container">
	10548	+ <table width="100%" cellspacing="0" cellpadding="1" border="1" class="bncr-table bncr-table-mobile">
	10549	+ <tbody>
	10550	+ <tr class="no-border">
	10551	+ <th style="text-align: center;" class="filled" colspan="2"><span style="font-size: 14px; font-weight: 400; letter-spacing: normal;">Interest earned (interest paid on accounts grouped together in the AIO)<br> </span></th>
	10552	+ </tr>
	10553	+ <tr class="no-border">
	10554	+ <td colspan="2" class="separator"><p style="margin-left: 40px;">Prime = <span static-token='tauxBase\|percent:"true"'>${p5.tauxBase\|percent:"true"}</span><br> All-in-one = Prime + <span static-token='ecart\|percent:"true"'>${p5.ecart\|percent:"true"}</span> = <span static-token='taux\|percent:"true"'>${p5.taux\|percent:"true"}</span><br> $6.00/month for the main account</p></td>
	10555	+ </tr>
	10556	+ <tr>
	10557	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;">$0 to $4,999.99<br> </span></p></td>
	10558	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;"><span static-token='interetCredT1\|percent:"true"'>${p5.interetCredT1\|percent:"true"}</span><br> </span></p></td>
	10559	+ </tr>
	10560	+ <tr>
	10561	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;">$5,000 to $24,999.99<br> </span></p></td>
	10562	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;"><span static-token='interetCredT2\|percent:"true"'>${p5.interetCredT2\|percent:"true"}</span><br> </span></p></td>
	10563	+ </tr>
	10564	+ <tr>
	10565	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;">$25,000 to $59,999.99<br> </span></p></td>
	10566	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;"><span static-token='interetCredT3\|percent:"true"'>${p5.interetCredT3\|percent:"true"}</span><br> </span></p></td>
	10567	+ </tr>
	10568	+ <tr>
	10569	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;">$60,000 to $99,999.99<br> </span></p></td>
	10570	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;"><span static-token='interetCredT4\|percent:"true"'>${p5.interetCredT4\|percent:"true"}</span><br> </span></p></td>
	10571	+ </tr>
	10572	+ <tr>
	10573	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;">$100,000 or more<br> </span></p></td>
	10574	+ <td><p style="margin-left: 40px;"><span style="font-size: 14px; letter-spacing: normal;"><span static-token='interetCredT5\|percent:"true"'>${p5.interetCredT5\|percent:"true"}</span><br> </span></p></td>
	10575	+ </tr>
	10576	+ </tbody>
	10577	+</table>
	10578	+
	10579	+ <span class="table-carousel-arrow arrow-left"><i class="fa fa-angle-left"></i></span>
	10580	+ <span class="table-carousel-arrow arrow-right"><i class="fa fa-angle-right"></i></span>
	10581	+ <div class="table-carousel-dots"></div>
	10582	+</div>
	10583	+
	10584	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer/parsys/table">
	10585	+ new Websites.TableStatic({
	10586	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer/parsys/table",
	10587	+ listeners: JSON.parse("[]".replace(new RegExp('\\["', 'g'), '[').replace(new RegExp('\\"]', 'g'), ']').replace(new RegExp('\\\\', 'g'), '')),
	10588	+ capsuleAlias: "c2",
	10589	+ staticHeader: !!(""), // use !! to convert to boolean
	10590	+ carousel: !!(""),
	10591	+ transposition: !!(""),
	10592	+ customId: ""
	10593	+ });
	10594	+</script>
	10595	+</div>
	10596	+
	10597	+</div>
	10598	+
	10599	+</div>
	10600	+
	10601	+
	10602	+
	10603	+<!--/* Initialize Js */-->
	10604	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer">
	10605	+ if(""){
	10606	+ new Websites.Sticky({
	10607	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer",
	10608	+ breakpoint: {
	10609	+ lg: {
	10610	+ to: "none"
	10611	+ },
	10612	+ md: {
	10613	+ to: "none"
	10614	+ },
	10615	+ sm: {
	10616	+ to: "none",
	10617	+ },
	10618	+ xs: {
	10619	+ to: "none"
	10620	+ }
	10621	+ }
	10622	+ });
	10623	+ }
	10624	+</script>
	10625	+
	10626	+</div>
	10627	+</div>
	10628	+<div class="panelContainer section">
	10629	+
	10630	+
	10631	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	10632	+
	10633	+
	10634	+
	10635	+ <div>
	10636	+
	10637	+
	10638	+
	10639	+
	10640	+
	10641	+
	10642	+
	10643	+
	10644	+
	10645	+
	10646	+
	10647	+
	10648	+
	10649	+
	10650	+
	10651	+
	10652	+
	10653	+
	10654	+
	10655	+
	10656	+
	10657	+
	10658	+
	10659	+<div class="panelContainer at-0165-remove"
	10660	+
	10661	+
	10662	+ data-websites-component="/components/panelContainer.v1"
	10663	+ data-panel-container-lg-mg="5% 0% 0% 0%"
	10664	+ data-panel-container-lg-pd=""
	10665	+ data-panel-container-lg-ht=""
	10666	+ data-panel-container-md-mg="5% 0% 0% 0%"
	10667	+ data-panel-container-md-pd=""
	10668	+ data-panel-container-md-ht=""
	10669	+ data-panel-container-sm-mg="5% 0% 0% 0%"
	10670	+ data-panel-container-sm-pd=""
	10671	+ data-panel-container-sm-ht=""
	10672	+ data-panel-container-xs-mg="5% 0% 0% 0%"
	10673	+ data-panel-container-xs-pd=""
	10674	+ data-panel-container-xs-ht=""
	10675	+ data-panel-container-limit="">
	10676	+ <div class="parsys"><div class="textandimage parbase section">
	10677	+
	10678	+
	10679	+
	10680	+
	10681	+
	10682	+
	10683	+
	10684	+
	10685	+
	10686	+
	10687	+
	10688	+
	10689	+
	10690	+
	10691	+
	10692	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_17189_parsys_textandimage" class="text-image-container "
	10693	+ data-text-image-container-right-left="false">
	10694	+
	10695	+
	10696	+
	10697	+
	10698	+
	10699	+
	10700	+
	10701	+
	10702	+
	10703	+ <div class="row text-image-row"
	10704	+ data-websites-component="/components/textandimage/rowcontainer"
	10705	+
	10706	+ data-text-image-rowcontainer-bg-type-lg="none"
	10707	+
	10708	+
	10709	+
	10710	+
	10711	+
	10712	+ data-text-image-rowcontainer-height-lg="0"
	10713	+ data-text-image-rowcontainer-width-lg="0"
	10714	+ data-text-image-rowcontainer-class-lg="backgroundColor1"
	10715	+
	10716	+ data-text-image-rowcontainer-bg-type-md="none"
	10717	+
	10718	+
	10719	+
	10720	+
	10721	+
	10722	+ data-text-image-rowcontainer-height-md="0"
	10723	+ data-text-image-rowcontainer-width-md="0"
	10724	+ data-text-image-rowcontainer-class-md="backgroundColor1"
	10725	+
	10726	+ data-text-image-rowcontainer-bg-type-sm="none"
	10727	+
	10728	+
	10729	+
	10730	+
	10731	+
	10732	+ data-text-image-rowcontainer-height-sm="0"
	10733	+ data-text-image-rowcontainer-width-sm="0"
	10734	+ data-text-image-rowcontainer-class-sm="backgroundColor1"
	10735	+
	10736	+ data-text-image-rowcontainer-bg-type-xs="none"
	10737	+
	10738	+
	10739	+
	10740	+
	10741	+
	10742	+ data-text-image-rowcontainer-height-xs="0"
	10743	+ data-text-image-rowcontainer-width-xs="0"
	10744	+ data-text-image-rowcontainer-class-xs="backgroundColor1">
	10745	+
	10746	+ <div class="col-xs-12 text-image-text-container " ><h2 class="h2variant3">Explore our mortgage solutions<br>
	10747	+</h2>
	10748	+</div>
	10749	+ </div>
	10750	+
	10751	+
	10752	+
	10753	+
	10754	+
	10755	+
	10756	+
	10757	+
	10758	+
	10759	+
	10760	+
	10761	+ <script>
	10762	+
	10763	+ (function(){
	10764	+
	10765	+ var dataLayerViewEventName = '' \|\| '';
	10766	+ var dataLayerViewLayerProperties = [];
	10767	+ var $el;
	10768	+
	10769	+
	10770	+
	10771	+ if(dataLayerViewEventName.trim().length) {
	10772	+
	10773	+ var obj = {
	10774	+ dataLayerViewEventName: dataLayerViewEventName,
	10775	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_17189_parsys_textandimage" ,
	10776	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	10777	+ };
	10778	+
	10779	+ // IE11 trick (because IE11 don't know document.currentScript):
	10780	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	10781	+ if(document.currentScript){
	10782	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	10783	+ } else {
	10784	+ var scripts = document.getElementsByTagName( 'script' );
	10785	+ var currentScript = scripts[scripts.length - 1];
	10786	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	10787	+ }
	10788	+
	10789	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	10790	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	10791	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	10792	+
	10793	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	10794	+
	10795	+ }
	10796	+
	10797	+ })();
	10798	+
	10799	+ </script>
	10800	+
	10801	+</div>
	10802	+
	10803	+ <script>
	10804	+
	10805	+ /**
	10806	+ * clickEventDownloadHandler()
	10807	+ * Is used to handle download image action selected as an opening mode
	10808	+ *
	10809	+ */
	10810	+
	10811	+ var firstDownload = true;
	10812	+
	10813	+ function clickEventDownloadHandler() {
	10814	+
	10815	+ var link = this;
	10816	+ var filename = link.dataset.linkpath;
	10817	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	10818	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	10819	+
	10820	+ if (newFile) {
	10821	+
	10822	+ if (firstDownload) {
	10823	+ firstDownload = false;
	10824	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	10825	+ } else {
	10826	+ this.href = link.href;
	10827	+ }
	10828	+
	10829	+ this.download = fn;
	10830	+
	10831	+ } else {
	10832	+ this.download = fn + ".html";
	10833	+ }
	10834	+ }
	10835	+
	10836	+ </script></div>
	10837	+<div class="panelContainer section">
	10838	+
	10839	+
	10840	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	10841	+
	10842	+
	10843	+
	10844	+ <div>
	10845	+
	10846	+
	10847	+
	10848	+
	10849	+
	10850	+
	10851	+
	10852	+
	10853	+
	10854	+
	10855	+
	10856	+
	10857	+
	10858	+
	10859	+
	10860	+
	10861	+
	10862	+
	10863	+
	10864	+
	10865	+
	10866	+
	10867	+
	10868	+<div class="panelContainer panel-border panel-border-radius "
	10869	+
	10870	+
	10871	+ data-websites-component="/components/panelContainer.v1"
	10872	+ data-panel-container-lg-mg=""
	10873	+ data-panel-container-lg-pd=""
	10874	+ data-panel-container-lg-ht=""
	10875	+ data-panel-container-md-mg=""
	10876	+ data-panel-container-md-pd=""
	10877	+ data-panel-container-md-ht=""
	10878	+ data-panel-container-sm-mg=""
	10879	+ data-panel-container-sm-pd=""
	10880	+ data-panel-container-sm-ht=""
	10881	+ data-panel-container-xs-mg=""
	10882	+ data-panel-container-xs-pd=""
	10883	+ data-panel-container-xs-ht=""
	10884	+ data-panel-container-limit="">
	10885	+ <div class="parsys"><div class="columns parbase section">
	10886	+
	10887	+
	10888	+
	10889	+
	10890	+<div data-emptytext="Responsive Columns" class="cq-placeholder"></div>
	10891	+
	10892	+
	10893	+
	10894	+
	10895	+
	10896	+
	10897	+
	10898	+
	10899	+
	10900	+
	10901	+
	10902	+
	10903	+
	10904	+ <div style=""
	10905	+ class="columns-row row adapt-size row-eq-height"
	10906	+
	10907	+ data-style-lg="" data-height-lg=""
	10908	+ data-width-lg=""
	10909	+ data-background-color-lg=""
	10910	+ data-background-color-xs="">
	10911	+ <div style=""
	10912	+ class="col-xs-12 col-sm-12 columns-title "
	10913	+ data-height="" data-width=""
	10914	+ data-style-xs="" data-height-xs=""
	10915	+ data-width-xs="">
	10916	+
	10917	+ </div>
	10918	+
	10919	+
	10920	+
	10921	+
	10922	+ <div class="col-xs-12 col-sm-4 column col-first separatorFilet">
	10923	+ <div class="parsys1 parsys"><div class="panelContainer section">
	10924	+
	10925	+
	10926	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	10927	+
	10928	+
	10929	+
	10930	+ <div>
	10931	+
	10932	+
	10933	+
	10934	+
	10935	+
	10936	+
	10937	+
	10938	+
	10939	+
	10940	+
	10941	+
	10942	+
	10943	+
	10944	+
	10945	+
	10946	+
	10947	+
	10948	+
	10949	+
	10950	+
	10951	+
	10952	+
	10953	+
	10954	+<div class="panelContainer "
	10955	+
	10956	+
	10957	+ data-websites-component="/components/panelContainer.v1"
	10958	+ data-panel-container-lg-mg=""
	10959	+ data-panel-container-lg-pd="30px 20px 20px 20px"
	10960	+ data-panel-container-lg-ht=""
	10961	+ data-panel-container-md-mg=""
	10962	+ data-panel-container-md-pd="30px 20px 20px 20px"
	10963	+ data-panel-container-md-ht=""
	10964	+ data-panel-container-sm-mg=""
	10965	+ data-panel-container-sm-pd="30px 20px 20px 20px"
	10966	+ data-panel-container-sm-ht=""
	10967	+ data-panel-container-xs-mg=""
	10968	+ data-panel-container-xs-pd="30px 20px 20px 20px"
	10969	+ data-panel-container-xs-ht=""
	10970	+ data-panel-container-limit="">
	10971	+ <div class="parsys"><div class="plainhtmlcode section">
	10972	+<div data-emptytext="HTML Component" class="cq-placeholder"></div>
	10973	+<style>.bnc-promo-pastille {
	10974	+ position: absolute;
	10975	+ top: -35px;
	10976	+ right: 15px;
	10977	+}</style>
	10978	+
	10979	+<p style="position:relative; margin: 0;"><span style="font-size: 14.0px; letter-spacing: normal;"><img src="/etc.clientlibs/web-sites/components/product/clientlibs/core/site/resources/images/bnc-promo.png" alt="promo" class="bnc-promo-pastille"></span></p>
	10980	+</div>
	10981	+<div class="textandimage parbase section">
	10982	+
	10983	+
	10984	+
	10985	+
	10986	+
	10987	+
	10988	+
	10989	+
	10990	+
	10991	+
	10992	+
	10993	+
	10994	+
	10995	+
	10996	+
	10997	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_17189_parsys_panelcontainer_parsys_columns_parsys1_panelcontainer_parsys_textandimage" class="text-image-container "
	10998	+ data-text-image-container-right-left="false">
	10999	+
	11000	+
	11001	+
	11002	+
	11003	+
	11004	+
	11005	+
	11006	+
	11007	+
	11008	+ <div class="row text-image-row"
	11009	+ data-websites-component="/components/textandimage/rowcontainer"
	11010	+
	11011	+ data-text-image-rowcontainer-bg-type-lg=""
	11012	+
	11013	+
	11014	+
	11015	+
	11016	+
	11017	+ data-text-image-rowcontainer-height-lg="0"
	11018	+ data-text-image-rowcontainer-width-lg="0"
	11019	+ data-text-image-rowcontainer-class-lg=""
	11020	+
	11021	+ data-text-image-rowcontainer-bg-type-md=""
	11022	+
	11023	+
	11024	+
	11025	+
	11026	+
	11027	+ data-text-image-rowcontainer-height-md="0"
	11028	+ data-text-image-rowcontainer-width-md="0"
	11029	+ data-text-image-rowcontainer-class-md=""
	11030	+
	11031	+ data-text-image-rowcontainer-bg-type-sm=""
	11032	+
	11033	+
	11034	+
	11035	+
	11036	+
	11037	+ data-text-image-rowcontainer-height-sm="0"
	11038	+ data-text-image-rowcontainer-width-sm="0"
	11039	+ data-text-image-rowcontainer-class-sm=""
	11040	+
	11041	+ data-text-image-rowcontainer-bg-type-xs=""
	11042	+
	11043	+
	11044	+
	11045	+
	11046	+
	11047	+ data-text-image-rowcontainer-height-xs="0"
	11048	+ data-text-image-rowcontainer-width-xs="0"
	11049	+ data-text-image-rowcontainer-class-xs="">
	11050	+
	11051	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><a href="/personal/mortgages/loan.html" target="_self" hrefnoextension="false">Mortgage loan</a><br>
	11052	+</p>
	11053	+<p style="text-align: center;">Get financing for your project.<br>
	11054	+</p>
	11055	+</div>
	11056	+ </div>
	11057	+
	11058	+
	11059	+
	11060	+
	11061	+
	11062	+
	11063	+
	11064	+
	11065	+
	11066	+
	11067	+
	11068	+ <script>
	11069	+
	11070	+ (function(){
	11071	+
	11072	+ var dataLayerViewEventName = '' \|\| '';
	11073	+ var dataLayerViewLayerProperties = [];
	11074	+ var $el;
	11075	+
	11076	+
	11077	+
	11078	+ if(dataLayerViewEventName.trim().length) {
	11079	+
	11080	+ var obj = {
	11081	+ dataLayerViewEventName: dataLayerViewEventName,
	11082	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_17189_parsys_panelcontainer_parsys_columns_parsys1_panelcontainer_parsys_textandimage" ,
	11083	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	11084	+ };
	11085	+
	11086	+ // IE11 trick (because IE11 don't know document.currentScript):
	11087	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	11088	+ if(document.currentScript){
	11089	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	11090	+ } else {
	11091	+ var scripts = document.getElementsByTagName( 'script' );
	11092	+ var currentScript = scripts[scripts.length - 1];
	11093	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	11094	+ }
	11095	+
	11096	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	11097	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	11098	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	11099	+
	11100	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	11101	+
	11102	+ }
	11103	+
	11104	+ })();
	11105	+
	11106	+ </script>
	11107	+
	11108	+</div>
	11109	+
	11110	+ <script>
	11111	+
	11112	+ /**
	11113	+ * clickEventDownloadHandler()
	11114	+ * Is used to handle download image action selected as an opening mode
	11115	+ *
	11116	+ */
	11117	+
	11118	+ var firstDownload = true;
	11119	+
	11120	+ function clickEventDownloadHandler() {
	11121	+
	11122	+ var link = this;
	11123	+ var filename = link.dataset.linkpath;
	11124	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	11125	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	11126	+
	11127	+ if (newFile) {
	11128	+
	11129	+ if (firstDownload) {
	11130	+ firstDownload = false;
	11131	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	11132	+ } else {
	11133	+ this.href = link.href;
	11134	+ }
	11135	+
	11136	+ this.download = fn;
	11137	+
	11138	+ } else {
	11139	+ this.download = fn + ".html";
	11140	+ }
	11141	+ }
	11142	+
	11143	+ </script></div>
	11144	+
	11145	+</div>
	11146	+
	11147	+</div>
	11148	+
	11149	+
	11150	+
	11151	+<!--/* Initialize Js */-->
	11152	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer_17189/parsys/panelcontainer/parsys/columns/parsys1/panelcontainer">
	11153	+ if(""){
	11154	+ new Websites.Sticky({
	11155	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer_17189/parsys/panelcontainer/parsys/columns/parsys1/panelcontainer",
	11156	+ breakpoint: {
	11157	+ lg: {
	11158	+ to: "none"
	11159	+ },
	11160	+ md: {
	11161	+ to: "none"
	11162	+ },
	11163	+ sm: {
	11164	+ to: "none",
	11165	+ },
	11166	+ xs: {
	11167	+ to: "none"
	11168	+ }
	11169	+ }
	11170	+ });
	11171	+ }
	11172	+</script>
	11173	+
	11174	+</div>
	11175	+</div>
	11176	+
	11177	+</div>
	11178	+
	11179	+ </div>
	11180	+
	11181	+ <div class="col-xs-12 col-sm-4 column separatorFilet">
	11182	+ <div class="parsys2 parsys"><div class="panelContainer section">
	11183	+
	11184	+
	11185	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	11186	+
	11187	+
	11188	+
	11189	+ <div>
	11190	+
	11191	+
	11192	+
	11193	+
	11194	+
	11195	+
	11196	+
	11197	+
	11198	+
	11199	+
	11200	+
	11201	+
	11202	+
	11203	+
	11204	+
	11205	+
	11206	+
	11207	+
	11208	+
	11209	+
	11210	+
	11211	+
	11212	+
	11213	+<div class="panelContainer "
	11214	+
	11215	+
	11216	+ data-websites-component="/components/panelContainer.v1"
	11217	+ data-panel-container-lg-mg=""
	11218	+ data-panel-container-lg-pd="30px 20px 20px 20px"
	11219	+ data-panel-container-lg-ht=""
	11220	+ data-panel-container-md-mg=""
	11221	+ data-panel-container-md-pd="30px 20px 20px 20px"
	11222	+ data-panel-container-md-ht=""
	11223	+ data-panel-container-sm-mg=""
	11224	+ data-panel-container-sm-pd="30px 20px 20px 20px"
	11225	+ data-panel-container-sm-ht=""
	11226	+ data-panel-container-xs-mg=""
	11227	+ data-panel-container-xs-pd="30px 20px 20px 20px"
	11228	+ data-panel-container-xs-ht=""
	11229	+ data-panel-container-limit="">
	11230	+ <div class="parsys"><div class="textandimage parbase section">
	11231	+
	11232	+
	11233	+
	11234	+
	11235	+
	11236	+
	11237	+
	11238	+
	11239	+
	11240	+
	11241	+
	11242	+
	11243	+
	11244	+
	11245	+
	11246	+ <div id="87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_17189_parsys_panelcontainer_parsys_columns_parsys2_panelcontainer_copy_parsys_textandimage" class="text-image-container "
	11247	+ data-text-image-container-right-left="false">
	11248	+
	11249	+
	11250	+
	11251	+
	11252	+
	11253	+
	11254	+
	11255	+
	11256	+
	11257	+ <div class="row text-image-row"
	11258	+ data-websites-component="/components/textandimage/rowcontainer"
	11259	+
	11260	+ data-text-image-rowcontainer-bg-type-lg=""
	11261	+
	11262	+
	11263	+
	11264	+
	11265	+
	11266	+ data-text-image-rowcontainer-height-lg="0"
	11267	+ data-text-image-rowcontainer-width-lg="0"
	11268	+ data-text-image-rowcontainer-class-lg=""
	11269	+
	11270	+ data-text-image-rowcontainer-bg-type-md=""
	11271	+
	11272	+
	11273	+
	11274	+
	11275	+
	11276	+ data-text-image-rowcontainer-height-md="0"
	11277	+ data-text-image-rowcontainer-width-md="0"
	11278	+ data-text-image-rowcontainer-class-md=""
	11279	+
	11280	+ data-text-image-rowcontainer-bg-type-sm=""
	11281	+
	11282	+
	11283	+
	11284	+
	11285	+
	11286	+ data-text-image-rowcontainer-height-sm="0"
	11287	+ data-text-image-rowcontainer-width-sm="0"
	11288	+ data-text-image-rowcontainer-class-sm=""
	11289	+
	11290	+ data-text-image-rowcontainer-bg-type-xs=""
	11291	+
	11292	+
	11293	+
	11294	+
	11295	+
	11296	+ data-text-image-rowcontainer-height-xs="0"
	11297	+ data-text-image-rowcontainer-width-xs="0"
	11298	+ data-text-image-rowcontainer-class-xs="">
	11299	+
	11300	+ <div class="col-xs-12 text-image-text-container " ><p style="text-align: center;"><a href="/personal/mortgages/all-in-one.html" target="_self" hrefnoextension="false">Home equity line of credit</a><br>
	11301	+</p>
	11302	+<p style="text-align: center;">Use the repaid amount of your mortgage to realize new projects.<br>
	11303	+</p>
	11304	+</div>
	11305	+ </div>
	11306	+
	11307	+
	11308	+
	11309	+
	11310	+
	11311	+
	11312	+
	11313	+
	11314	+
	11315	+
	11316	+
	11317	+ <script>
	11318	+
	11319	+ (function(){
	11320	+
	11321	+ var dataLayerViewEventName = '' \|\| '';
	11322	+ var dataLayerViewLayerProperties = [];
	11323	+ var $el;
	11324	+
	11325	+
	11326	+
	11327	+ if(dataLayerViewEventName.trim().length) {
	11328	+
	11329	+ var obj = {
	11330	+ dataLayerViewEventName: dataLayerViewEventName,
	11331	+ componentId: "87271788-642c-4f90-8e57-d2a4b74cca89_parsys_panelcontainer_189659515_parsys_panelcontainer_17189_parsys_panelcontainer_parsys_columns_parsys2_panelcontainer_copy_parsys_textandimage" ,
	11332	+ dataLayerViewLayerProperties: dataLayerViewLayerProperties
	11333	+ };
	11334	+
	11335	+ // IE11 trick (because IE11 don't know document.currentScript):
	11336	+ https://stackoverflow.com/questions/403967/how-may-i-reference-the-script-tag-that-loaded-the-currently-executing-script
	11337	+ if(document.currentScript){
	11338	+ $el = document.currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	11339	+ } else {
	11340	+ var scripts = document.getElementsByTagName( 'script' );
	11341	+ var currentScript = scripts[scripts.length - 1];
	11342	+ $el = currentScript.parentNode.getElementsByClassName('text-image-text-container')[0];
	11343	+ }
	11344	+
	11345	+ $el.setAttribute('data-dataLayerViewEventJson', JSON.stringify(
	11346	+ Websites.DataLayer.cleanViewEventJSON(obj)));
	11347	+ $el.setAttribute("data-dataLayerViewEvent", 'true');
	11348	+
	11349	+ Websites.DataLayer.updateDataLayerViewEventElementsArray();
	11350	+
	11351	+ }
	11352	+
	11353	+ })();
	11354	+
	11355	+ </script>
	11356	+
	11357	+</div>
	11358	+
	11359	+ <script>
	11360	+
	11361	+ /**
	11362	+ * clickEventDownloadHandler()
	11363	+ * Is used to handle download image action selected as an opening mode
	11364	+ *
	11365	+ */
	11366	+
	11367	+ var firstDownload = true;
	11368	+
	11369	+ function clickEventDownloadHandler() {
	11370	+
	11371	+ var link = this;
	11372	+ var filename = link.dataset.linkpath;
	11373	+ var newFile = filename.slice((filename.lastIndexOf(".") - 1 >>> 0) + 2);
	11374	+ var fn = filename.substring(filename.lastIndexOf('/')+1);
	11375	+
	11376	+ if (newFile) {
	11377	+
	11378	+ if (firstDownload) {
	11379	+ firstDownload = false;
	11380	+ this.href = link.href.slice(0, link.href.lastIndexOf('.'));
	11381	+ } else {
	11382	+ this.href = link.href;
	11383	+ }
	11384	+
	11385	+ this.download = fn;
	11386	+
	11387	+ } else {
	11388	+ this.download = fn + ".html";
	11389	+ }
	11390	+ }
	11391	+
	11392	+ </script></div>
	11393	+
	11394	+</div>
	11395	+
	11396	+</div>
	11397	+
	11398	+
	11399	+
	11400	+<!--/* Initialize Js */-->
	11401	+<script id="87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer_17189/parsys/panelcontainer/parsys/columns/parsys2/panelcontainer_copy">
	11402	+ if(""){
	11403	+ new Websites.Sticky({
	11404	+ nodePath: "87271788-642c-4f90-8e57-d2a4b74cca89/parsys/panelcontainer_189659515/parsys/panelcontainer_17189/parsys/panelcontainer/parsys/columns/parsys2/panelcontainer_copy",
	11405	+ breakpoint: {
	11406	+ lg: {
	11407	+ to: "none"
	11408	+ },
	11409	+ md: {
	11410	+ to: "none"
	11411	+ },
	11412	+ sm: {
	11413	+ to: "none",
	11414	+ },
	11415	+ xs: {
	11416	+ to: "none"
	11417	+ }
	11418	+ }
	11419	+ });
	11420	+ }
	11421	+</script>
	11422	+
	11423	+</div>
	11424	+</div>
	11425	+
	11426	+</div>
	11427	+
	11428	+ </div>
	11429	+
	11430	+ <div class="col-xs-12 col-sm-4 column col-last ">
	11431	+ <div class="parsys3 parsys"><div class="panelContainer section">
	11432	+
	11433	+
	11434	+<div class="cq-placeholder" data-emptytext="web-sites.panelContainer.jcrTitle.label"></div>
	11435	+
	11436	+
	11437	+
	11438	+ <div>
	11439	+
	11440	+
	11441	+
	11442	+
	11443	+
	11444	+
	11445	+
	11446	+
	11447	+
	11448	+
	11449	+

Diff truncated — file too large.