The National Housing Strategy Glossary of Common Terms

<!DOCTYPE html> <html lang="en" itemscope itemtype="http://schema.org/WebPage">  <head> <meta name="VIcurrentDateTime" content="638679851173796593" /> <meta name="VirtualFolder" content="/" /> <script type="text/javascript" src="/layouts/system/VisitorIdentification.js"></script> <meta charset="utf-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta name="viewport" content="width=device-width,initial-scale=1"> <meta name="date" content="" /> <link rel="canonical" href="https://www.cmhc-schl.gc.ca/nhs/guidepage-strategy/glossary" /> <link rel="icon" href="/favicon-ie-16x16.ico" type="image/x-icon" /> <link rel='alternate' hreflang='en' href='https://www.cmhc-schl.gc.ca/nhs/guidepage-strategy/glossary' /><link rel='alternate' hreflang='fr' href='https://www.cmhc-schl.gc.ca/strategie-nationale-sur-le-logement/questce-que-la-strategie/strategie-nationale-sur-le-logement--glossaire-des-termes-courants' /> <script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/lib/jquery-3-4-1.js?rev=fa92c9cb-cc83-421d-bb7c-e97b4d763661"></script> <script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script> <script src='https://www.google.com/recaptcha/api.js'></script> <title>The National Housing Strategy Glossary of Common Terms</title>  <meta property="og:title" content="The National Housing Strategy Glossary of Common Terms" />  <meta name="twitter:card" content="summary"> <meta name="twitter:title" content="The National Housing Strategy Glossary of Common Terms" />  <script> (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.src = 'https://www.googletagmanager.com/gtm.js?id=' + i + dl; f.parentNode.insertBefore(j, f); })(window, document, 'script', 'dataLayer', 'GTM-P3TBKQ');</script>  <style> @import url('https://fonts.googleapis.com/css?family=Roboto:300,400,700'); @import url('https://fonts.googleapis.com/css?family=Montserrat:700'); </style> <link href="https://assets.cmhc-schl.gc.ca/global/css/feature/foundationcomponents/foundation.css?rev=08fbd303-818e-48cf-a24c-713eb0265eed" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/feature/foundationcomponents/foundationicons.css?rev=02ec40a3-dcfa-4dbe-862a-2bebca9c3e6d" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/lib/roboto.css?rev=f6cbf3d6-1d07-4fa2-82ba-4a299ea1ee5f" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/lib/font-awesome.css?rev=d31c7b73-13d7-4fad-b567-598751b0efcd" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/cmhc.css?rev=ba6deffe-d00d-481a-a5c1-695bf46c0312" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/cmhc-legacy-styles.css?rev=82bbcc01-20aa-42e9-8a26-8ab47e611a43" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/cmhc-global-styles.css?rev=a1e4f013-d91b-4efe-a36b-fa976fa6bbbf" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/cmhc-components.css?rev=83cc7970-3768-45dc-9afe-2e4068bd14bf" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/cmhc-forms.css?rev=d25b91f0-0284-4ccc-9f3b-e9976bbde083" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/component-control/element-style-control.css?rev=f4f54f1a-c2cc-4376-9c4f-51da691c2885" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/component-control/element-style-control-cmhc.css?rev=418b410e-3379-4781-b2e1-6bc8ebfbb8cb" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/cmhc-transition.css?rev=0adf6fda-620a-49dc-ac97-445a7cb69bb8" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/includes/modal/modal-cmhc.css?rev=2beae9d5-d1bc-4b05-8cba-14bd0239d35d" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/shared/includes/responsivetables/responsivetables-core.css?rev=e66ca6af-9135-41f0-8b59-daf04c8e076e" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/shared/includes/responsivetables/responsivetables-custom.css?rev=af5eeab9-832d-47c0-a8e1-47f51dfdba33" rel="stylesheet" /><link href="https://assets.cmhc-schl.gc.ca/global/css/project/cmhc/includes/responsivetables/responsivetables-cmhc.css?rev=2ccd42b2-f3a3-460b-9a7b-7c26ff4e895b" rel="stylesheet" /> <script> (function (h, o, t, j, a, r) { h.hj = h.hj || function () { (h.hj.q = h.hj.q || []).push(arguments); }; h._hjSettings = { hjid: 1445865, hjsv: 6 }; a = o.getElementsByTagName("head")[0]; r = o.createElement("script"); r.async = 1; r.src = t + h._hjSettings.hjid + j + h._hjSettings.hjsv; a.appendChild(r); })(window, document, "https://static.hotjar.com/c/hotjar-", ".js?sv="); </script> <script src="/scripts/app_insight_monitoring.js"></script> </head>  <body class="glossary" id="">   <noscript> <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-P3TBKQ" height="0" width="0" style="display:none;visibility:hidden"></iframe> </noscript>   <input type="hidden" id="hdnpagetype" value="Guide Step Page" /> <input type="hidden" id="hdncontentlanguage" value="en" /> <div id="body-wrapper" class="cmhc-container">  <header> <div class="content-full clear-fix"> <div class="navskip-main"> <a class="skip-main" href="#maincontent" tabindex="1">Skip to content </a> </div> <div class="site-title float-left"> <a onclick="dl_CTA('Canada Mortgage and Housing Corporation header .menu-list a { border: 2px solid #e5e5e5; } ',this);" class="en-lang" href="/en"> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/imgs/chevron-en.png?rev=87c5f9ca-4281-495f-a022-7badec3f3195&h=142&iar=0&w=300" alt="CMHC Home" width="300" height="142" /> <span>Canada Mortgage <br>and Housing Corporation</span> <style> header .menu-list a { border: 2px solid #e5e5e5; } </style><style class="darkreader darkreader--sync" media="screen"></style> </a> </div> <div class="site-menu float-right"> <ul> <li id="user-profile"> <a onclick="dl_CTA('Sign In',this);" href="/api/sitecore/B2CAuthentication/SignIn" id="lnkSignIn">Sign In </a> or <a onclick="dl_CTA('Register',this);" href="/cmhc-registration"> Register</a> <script type="text/javascript"> $('#lnkSignOut').on('click', function () { var url = '/api/sitecore/B2CAuthentication/SignOut'; var callbackUrl = window.location.protocol + "//" + window.location.hostname + window.location.pathname; window.location.href = url + "?callbackUrl=" + callbackUrl; }); </script> </li> <li id="language-btn-wrapper"> <a href="/strategie-nationale-sur-le-logement/questce-que-la-strategie/strategie-nationale-sur-le-logement--glossaire-des-termes-courants" onclick="dl_CTA('FRANÇAIS',this);languagecookie();" class="nav-language">FRANÇAIS</a> </li> <li class="default-menu"> <div class="menu-list"> <a class="navigation-btn"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/home/hamburger.png?rev=209c76e3-4bb0-457a-9f8f-4452da7a80f9&h=15&iar=0&w=19" alt="" width="19" height="15" /> <span class="menutext"> MENU</span> </a> </div> </li> </ul> <div class="search-main"> <div class="global-search-box"> <link rel="stylesheet" href="https://static.cloud.coveo.com/searchui/v2.10107/css/CoveoFullSearch.css" /> <link rel="stylesheet" href="https://static.cloud.coveo.com/coveoforsitecore/ui/v0.59.10/css/CoveoForSitecore.css" /> <script class="coveo-script" type="text/javascript" src='https://static.cloud.coveo.com/searchui/v2.10107/js/CoveoJsSearch.Lazy.min.js'></script> <script class="coveo-for-sitecore-script" type="text/javascript" src='https://static.cloud.coveo.com/coveoforsitecore/ui/v0.59.10/js/CoveoForSitecore.Lazy.min.js'></script> <script type="text/javascript" src="https://static.cloud.coveo.com/searchui/v2.10107/js/cultures/en.js"></script> <div>  <div id="SearchResourcesProperties_51cf80a92fb540cfa57ef9d20894b809" class="CoveoForSitecoreContext" data-sc-should-have-analytics-component='true' data-sc-analytics-enabled='true' data-sc-current-language='en' data-prebind-sc-language-field-name='fieldTranslator' data-sc-language-field-name='_language' data-sc-labels='{"Created" : "Created" , "Updated By" : "Updated by" , "Language" : "Language" , "Last Time Modified" : "Last time modified." , "Uniform resource identifier" : "URI" , "Created By" : "Created by" , "Creation Time" : "Creation time." , "Template" : "Template" , "If the problem persists contact the administrator." : "If the problem persists contact the administrator." , "Search is currently unavailable" : "Oops! Something went wrong on the server." , "Ascending" : "Ascending" , "Descending" : "Descending"}' data-sc-maximum-age='900000' data-sc-page-name='glossary' data-sc-page-name-full-path='/sitecore/content/CMHC/Sites/Main/Home/nhs/guidepage-strategy/glossary' data-sc-index-source-name='Coveo_web_index - Coveo-Prod103-Coveo5' data-sc-is-in-experience-editor='false' data-sc-is-user-anonymous='true' data-sc-item-uri='sitecore://web/{C25554AB-3A45-4A0E-ABA1-286FEC2B81DE}?lang=en&ver=2' data-sc-item-id='c25554ab-3a45-4a0e-aba1-286fec2b81de' data-prebind-sc-latest-version-field-name='fieldTranslator' data-sc-latest-version-field-name='_latestversion' data-sc-rest-endpoint-uri='/coveo/rest' data-sc-analytics-endpoint-uri='/coveo/rest/ua' data-sc-site-name='cmhc' data-sc-field-prefix='f' data-sc-field-suffix='31001' data-sc-prefer-source-specific-fields='false' data-sc-external-fields='[{"fieldName":"sysattachmentparentid","shouldEscape":false},{"fieldName":"permanentid","shouldEscape":false}]' data-sc-source-specific-fields='[{"fieldName":"attachmentparentid"},{"fieldName":"author"},{"fieldName":"clickableuri"},{"fieldName":"collection"},{"fieldName":"concepts"},{"fieldName":"date"},{"fieldName":"filetype"},{"fieldName":"indexeddate"},{"fieldName":"isattachment"},{"fieldName":"language"},{"fieldName":"printableuri"},{"fieldName":"rowid"},{"fieldName":"size"},{"fieldName":"source"},{"fieldName":"title"},{"fieldName":"topparent"},{"fieldName":"topparentid"},{"fieldName":"transactionid"},{"fieldName":"uri"},{"fieldName":"urihash"}]' > </div> <script type="text/javascript"> var endpointConfiguration = { itemUri: "sitecore://web/{C25554AB-3A45-4A0E-ABA1-286FEC2B81DE}?lang=en&ver=2", siteName: "cmhc", restEndpointUri: "/coveo/rest" }; if (typeof (CoveoForSitecore) !== "undefined") { CoveoForSitecore.SearchEndpoint.configureSitecoreEndpoint(endpointConfiguration); CoveoForSitecore.version = "5.0.1227.1"; var context = document.getElementById("SearchResourcesProperties_51cf80a92fb540cfa57ef9d20894b809"); if (!!context) { CoveoForSitecore.Context.configureContext(context); } } </script> </div> <script> document.addEventListener("CoveoSearchEndpointInitialized", function() { var searchboxElement = document.getElementById("_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9"); searchboxElement.addEventListener("CoveoComponentInitialized", function() { CoveoForSitecore.initSearchboxIfStandalone(searchboxElement, "/search"); }); }) </script> <div id="_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9_container" class="coveo-for-sitecore-search-box-container" data-prebind-maximum-age='currentMaximumAge' > <div id="_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9" class="CoveoSearchbox" data-enable-omnibox='true' data-prebind-maximum-age='currentMaximumAge' data-clear-filters-on-new-query='false' > <script type="text/javascript"> document.addEventListener("CoveoSearchEndpointInitialized", function() { var componentId = "_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9"; var componentElement = document.getElementById(componentId); function showError(error) { console.error(error); } function areCoveoResourcesIncluded() { return typeof (Coveo) !== "undefined"; } if (areCoveoResourcesIncluded()) { var event = document.createEvent("CustomEvent"); event.initEvent("CoveoComponentInitialized", false, true); setTimeout(function() { componentElement.dispatchEvent(event); }, 0); } else { componentElement.classList.add("invalid"); showError("The Coveo Resources component must be included in this page."); } }); </script> <div class="CoveoForSitecoreBindWithUserContext"></div> <div class="CoveoForSitecoreExpressions"></div> <div class="CoveoForSitecoreConfigureSearchHub" data-sc-search-hub="search"></div> </div> </div> <input type="hidden" id="desktopText" value="What can we help you find?" /> <input type="hidden" id="mobileText" value="Search" /> </div> <div class="menu-list"> <a onclick="dl_Navigation('menu', 'open menu');" class="navigation-btn"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/home/hamburger.png?rev=209c76e3-4bb0-457a-9f8f-4452da7a80f9&h=15&iar=0&w=19" alt="" width="19" height="15" /> <span class="menutext">MENU</span> </a> </div> </div> </div>  <nav> <span id="close-menu"> × </span> <a href="/consommateurs/acheter-une-maison/calculateurs-pour-lachat-dune-habitation/calculateur-de-lamortissement-de-la-dette/calculateur-de-lamortissement-de-la-dette" onclick="dl_CTA('FRANÇAIS',this);languagecookie();" class="nav-language">FRANÇAIS</a> <ul> <li><a onclick="dl_Navigation('menu','Home');" href="/" class=" ">Home</a></li> <li> <a onclick="dl_Navigation('menu','Professionals');" href="/professionals" class=" ">Professionals</a> <ul> <li> <a onclick="dl_Navigation('menu','Project funding and mortgage financing');" href="/professionals/project-funding-and-mortgage-financing" class=" ">Project funding and mortgage financing</a> <ul> <li> <a onclick="dl_Navigation('menu','Funding programs');" href="/professionals/project-funding-and-mortgage-financing/funding-programs" class=" ">Funding programs</a> <ul> <li><a onclick="dl_Navigation('menu','Affordable Housing Fund');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/affordable-housing-fund-archived?rdlink=1" class=" ">Affordable Housing Fund</a></li> <li><a onclick="dl_Navigation('menu','Affordable Housing Innovation Fund');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/affordable-housing-innovation-fund?rdlink=1" class=" ">Affordable Housing Innovation Fund</a></li> <li><a onclick="dl_Navigation('menu','Apartment Construction Loan Program');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/apartment-construction-loan-program?rdlink=1" class=" ">Apartment Construction Loan Program</a></li> <li><a onclick="dl_Navigation('menu','Canada Greener Affordable Housing');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/canada-greener-affordable-housing-program?rdlink=1" class=" ">Canada Greener Affordable Housing</a></li> <li><a onclick="dl_Navigation('menu','Community (social) housing');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/community-housing" class=" ">Community (social) housing</a></li> <li><a onclick="dl_Navigation('menu','Federal Lands Initiative');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/federal-lands?rdlink=1" class=" ">Federal Lands Initiative</a></li> <li><a onclick="dl_Navigation('menu','Funding for Indigenous housing');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/indigenous" class=" ">Funding for Indigenous housing</a></li> <li><a onclick="dl_Navigation('menu','Housing Supply Challenge');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/housing-supply-challenge?rdlink=1" class=" ">Housing Supply Challenge</a></li> <li><a onclick="dl_Navigation('menu','Innovation and research');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/innovation-and-research" class=" ">Innovation and research</a></li> <li><a onclick="dl_Navigation('menu','National Housing Strategy Project Profiles');" href="/nhs/nhs-project-profiles?rdlink=1" class=" ">National Housing Strategy Project Profiles</a></li> <li><a onclick="dl_Navigation('menu','Rapid Housing Initiative');" href="/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/rapid-housing?rdlink=1" class=" ">Rapid Housing Initiative</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Mortgage Loan Insurance Products');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance" class=" ">Mortgage Loan Insurance Products</a> <ul> <li> <a onclick="dl_Navigation('menu','Homeowner and Small Rental Mortgage Loan Insurance');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs" class=" ">Homeowner and Small Rental Mortgage Loan Insurance</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC Home Start');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/home-start" class=" ">CMHC Home Start</a></li> <li><a onclick="dl_Navigation('menu','CMHC Purchase');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/purchase" class=" ">CMHC Purchase</a></li> <li><a onclick="dl_Navigation('menu','CMHC Improvement');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/improvement" class=" ">CMHC Improvement</a></li> <li><a onclick="dl_Navigation('menu','CMHC Income Property');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/income-property" class=" ">CMHC Income Property</a></li> <li><a onclick="dl_Navigation('menu','CMHC Newcomers');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/newcomers" class=" ">CMHC Newcomers</a></li> <li><a onclick="dl_Navigation('menu','CMHC Self-Employed');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/self-employed" class=" ">CMHC Self-Employed</a></li> <li><a onclick="dl_Navigation('menu','CMHC Portability');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/portability" class=" ">CMHC Portability</a></li> <li><a onclick="dl_Navigation('menu','Eco Products for Lenders');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/eco-programs-for-lenders" class=" ">Eco Products for Lenders</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Homeowner Business Transformation (HBT)');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/homeowner-business-transformation" class=" ">Homeowner Business Transformation (HBT)</a> <ul> <li><a onclick="dl_Navigation('menu','Arrears Report Upload Tool');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/homeowner-business-transformation/arrears-report-upload-tool" class=" ">Arrears Report Upload Tool</a></li> <li><a onclick="dl_Navigation('menu','Default Management Request Submission Tool');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/homeowner-business-transformation/default-management-request-submission-tool" class=" ">Default Management Request Submission Tool</a></li> <li><a onclick="dl_Navigation('menu','Homeowner Claims Submission Tool');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/homeowner-business-transformation/homeowner-claim-submission-tool" class=" ">Homeowner Claims Submission Tool</a></li> <li><a onclick="dl_Navigation('menu','User Access Management (Coming Soon)');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/homeowner-business-transformation/user-access-management" class=" ">User Access Management (Coming Soon)</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Multi-Unit and Rental Housing');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/multi-unit-insurance" class=" ">Multi-Unit and Rental Housing</a> <ul> <li><a onclick="dl_Navigation('menu','MLI Select');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/multi-unit-insurance/mliselect" class=" ">MLI Select</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Default, claims and properties for sale');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/default-claims-and-properties-for-sale" class=" ">Default, claims and properties for sale</a></li> <li><a onclick="dl_Navigation('menu','Underwriting centre');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/cmhc-underwriting-centre" class=" ">Underwriting centre</a></li> <li><a onclick="dl_Navigation('menu','emili');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/emili" class=" ">emili</a></li> <li><a onclick="dl_Navigation('menu','NHA approved lenders');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/nha-approved-lenders" class=" ">NHA approved lenders</a></li> <li><a onclick="dl_Navigation('menu','Calculating GDS / TDS');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/calculating-gds-tds" class=" ">Calculating GDS / TDS</a></li> <li><a onclick="dl_Navigation('menu','How to recognize and report mortgage fraud');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-fraud" class=" ">How to recognize and report mortgage fraud</a></li> <li><a onclick="dl_Navigation('menu','Contact mortgage loan insurance');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/contact-mortgage-loan-insurance" class=" ">Contact mortgage loan insurance</a></li> <li><a onclick="dl_Navigation('menu','Insured Mortgage Purchase Program (IMPP)');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/insured-mortgage-purchase-program" class=" ">Insured Mortgage Purchase Program (IMPP)</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Securitization');" href="/professionals/project-funding-and-mortgage-financing/securitization" class=" ">Securitization</a> <ul> <li><a onclick="dl_Navigation('menu','NHA Mortgage Backed Securities');" href="/professionals/project-funding-and-mortgage-financing/securitization/nha-mbs" class=" ">NHA Mortgage Backed Securities</a></li> <li><a onclick="dl_Navigation('menu','Canada Mortgage Bonds');" href="/professionals/project-funding-and-mortgage-financing/securitization/canada-mortgage-bonds" class=" ">Canada Mortgage Bonds</a></li> <li><a onclick="dl_Navigation('menu','Canadian registered covered bonds');" href="/professionals/project-funding-and-mortgage-financing/securitization/canadian-registered-covered-bonds" class=" ">Canadian registered covered bonds</a></li> <li><a onclick="dl_Navigation('menu','Blockchain in the housing industry');" href="/professionals/project-funding-and-mortgage-financing/securitization/blockchain-housing-industry" class=" ">Blockchain in the housing industry </a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Housing markets, data and research');" href="/professionals/housing-markets-data-and-research" class=" ">Housing markets, data and research</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC Reports Calendar');" href="/professionals/housing-markets-data-and-research/news-releases-reports-calendar" class=" ">CMHC Reports Calendar</a></li> <li> <a onclick="dl_Navigation('menu','Housing markets');" href="/professionals/housing-markets-data-and-research/market-reports" class=" ">Housing markets</a> <ul> <li><a onclick="dl_Navigation('menu','Housing market reports');" href="/professionals/housing-markets-data-and-research/market-reports/housing-market" class=" ">Housing market reports</a></li> <li><a onclick="dl_Navigation('menu','Mortgage market and consumer reports');" href="/professionals/housing-markets-data-and-research/market-reports/mortgage-market" class=" ">Mortgage market and consumer reports</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Housing research');" href="/professionals/housing-markets-data-and-research/housing-research" class=" ">Housing research</a> <ul> <li> <a onclick="dl_Navigation('menu','Consultations');" href="/professionals/housing-markets-data-and-research/housing-research/consultations" class=" ">Consultations</a> <ul> <li> <a onclick="dl_Navigation('menu','Prohibition on the Purchase of Residential Property by Non-Canadians Act');" href="/professionals/housing-markets-data-and-research/housing-research/consultations/prohibition-purchase-residential-property-non-canadians-act" class=" ">Prohibition on the Purchase of Residential Property by Non-Canadians Act</a> <ul> <li><a onclick="dl_Navigation('menu','Prohibition on the Purchase of Residential Property by Non-Canadians Act – Frequently asked questions');" href="/professionals/housing-markets-data-and-research/housing-research/consultations/prohibition-purchase-residential-property-non-canadians-act/faq" class=" ">Prohibition on the Purchase of Residential Property by Non-Canadians Act – Frequently asked questions</a></li> </ul> </li> </ul> </li> <li><a onclick="dl_Navigation('menu','Housing research reports');" href="/professionals/housing-markets-data-and-research/housing-research/research-reports" class=" ">Housing research reports</a></li> <li> <a onclick="dl_Navigation('menu','Housing surveys');" href="/professionals/housing-markets-data-and-research/housing-research/surveys" class=" ">Housing surveys</a> <ul> <li><a onclick="dl_Navigation('menu','Mortgage consumer surveys');" href="/professionals/housing-markets-data-and-research/housing-research/surveys/mortgage-consumer-surveys" class=" ">Mortgage consumer surveys</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Research awards and scholarships');" href="/professionals/housing-markets-data-and-research/housing-research/awards-and-scholarships" class=" ">Research awards and scholarships</a></li> <li><a onclick="dl_Navigation('menu','Understanding core housing need');" href="/professionals/housing-markets-data-and-research/housing-research/core-housing-need" class=" ">Understanding core housing need</a></li> <li><a onclick="dl_Navigation('menu','Collaborative Housing Research Network');" href="/professionals/housing-markets-data-and-research/housing-research/collaborative-housing-research-network" class=" ">Collaborative Housing Research Network</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Housing data');" href="/professionals/housing-markets-data-and-research/housing-data" class=" ">Housing data</a> <ul> <li> <a onclick="dl_Navigation('menu','Data tables');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables" class=" ">Data tables</a> <ul> <li><a onclick="dl_Navigation('menu','Household characteristics data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/household-characteristics" class=" ">Household characteristics data</a></li> <li><a onclick="dl_Navigation('menu','Housing market data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/housing-market-data" class=" ">Housing market data</a></li> <li><a onclick="dl_Navigation('menu','Mortgage and debt data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/mortgage-and-debt" class=" ">Mortgage and debt data</a></li> <li><a onclick="dl_Navigation('menu','Rental market data');" href="/professionals/housing-markets-data-and-research/housing-data/data-tables/rental-market" class=" ">Rental market data</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Housing market information portal');" href="https://www.cmhc-schl.gc.ca/hmiportal" class=" ">Housing market information portal</a></li> <li><a onclick="dl_Navigation('menu','Residential Mortgage Industry Data Dashboard');" href="/professionals/housing-markets-data-and-research/housing-data/residential-mortgage-industry-data-dashboard" class=" ">Residential Mortgage Industry Data Dashboard</a></li> <li><a onclick="dl_Navigation('menu','CMHC licence agreement for the use of data');" href="/professionals/housing-markets-data-and-research/housing-data/cmhc-licence-agreement-use-of-data" class=" ">CMHC licence agreement for the use of data</a></li> <li><a onclick="dl_Navigation('menu','Housing Knowledge Centre');" href="/library?rdlink=1" class=" ">Housing Knowledge Centre</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Industry innovation and leadership');" href="/professionals/industry-innovation-and-leadership" class=" ">Industry innovation and leadership</a> <ul> <li><a onclick="dl_Navigation('menu','Housing innovation');" href="/professionals/industry-innovation-and-leadership/housing-innovation" class=" ">Housing innovation</a></li> <li> <a onclick="dl_Navigation('menu','Our Partners');" href="/professionals/industry-innovation-and-leadership/our-partners" class=" ">Our Partners</a> <ul> <li><a onclick="dl_Navigation('menu','Partnerships');" href="/professionals/industry-innovation-and-leadership/our-partners/partnerships" class=" ">Partnerships</a></li> <li> <a onclick="dl_Navigation('menu','Federal, Provincial and Territorial Forum on Housing');" href="/professionals/industry-innovation-and-leadership/our-partners/partnering-provinces-territories" class=" ">Federal, Provincial and Territorial Forum on Housing</a> <ul> <li><a onclick="dl_Navigation('menu','Resources for Members of the Federal, Provincial and Territorial Forum on Housing');" href="/professionals/industry-innovation-and-leadership/our-partners/partnering-provinces-territories/protected-content" class=" ">Resources for Members of the Federal, Provincial and Territorial Forum on Housing</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Industry collaboration');" href="/professionals/industry-innovation-and-leadership/industry-collaboration" class=" ">Industry collaboration</a> <ul> <li><a onclick="dl_Navigation('menu','Expert Community on Housing (ECoH)');" href="/professionals/industry-innovation-and-leadership/industry-collaboration/expert-community-on-housing" class=" ">Expert Community on Housing (ECoH)</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Industry expertise');" href="/professionals/industry-innovation-and-leadership/industry-expertise" class=" ">Industry expertise</a> <ul> <li><a onclick="dl_Navigation('menu','Affordable housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/affordable-housing" class=" ">Affordable housing</a></li> <li><a onclick="dl_Navigation('menu','Indigenous housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/indigenous-housing" class=" ">Indigenous housing </a></li> <li><a onclick="dl_Navigation('menu','Senior housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/senior-housing" class=" ">Senior housing</a></li> <li><a onclick="dl_Navigation('menu','Accessible and adaptable housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/accessible-adaptable-housing" class=" ">Accessible and adaptable housing</a></li> <li><a onclick="dl_Navigation('menu','Developing sustainable housing');" href="/professionals/industry-innovation-and-leadership/industry-expertise/sustainable-housing" class=" ">Developing sustainable housing</a></li> <li><a onclick="dl_Navigation('menu','Resources for mortgage professionals');" href="/professionals/industry-innovation-and-leadership/industry-expertise/resources-for-mortgage-professionals" class=" ">Resources for mortgage professionals</a></li> <li><a onclick="dl_Navigation('menu','CMHC newsletters');" href="/cmhc-enewsletters?rdlink=1" class=" ">CMHC newsletters</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Events and speakers');" href="/professionals/events-and-speakers" class=" ">Events and speakers</a> <ul> <li> <a onclick="dl_Navigation('menu','Conferences');" href="/professionals/events-and-speakers/conferences" class=" ">Conferences</a> <ul> <li> <a onclick="dl_Navigation('menu','2024 National Housing Conference');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024" class=" ">2024 National Housing Conference</a> <ul> <li><a onclick="dl_Navigation('menu','About');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/about" class=" ">About</a></li> <li><a onclick="dl_Navigation('menu','National Housing Conference - Agenda');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/agenda" class=" ">National Housing Conference - Agenda</a></li> <li><a onclick="dl_Navigation('menu','Location');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/location" class=" ">Location</a></li> <li><a onclick="dl_Navigation('menu','InnoZone');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/innozone" class=" ">InnoZone</a></li> <li><a onclick="dl_Navigation('menu','Details for participants');" href="/professionals/events-and-speakers/conferences/national-housing-conference-2024/participants" class=" ">Details for participants</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Speakers’ bureau');" href="/professionals/events-and-speakers/speakers-bureau" class=" ">Speakers’ bureau</a> <ul> <li><a onclick="dl_Navigation('menu','Kevin Hughes');" href="/professionals/events-and-speakers/speakers-bureau/kevin-hughes-profile" class=" ">Kevin Hughes</a></li> </ul> </li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Consumers');" href="/consumers" class="current-page-ancestor ">Consumers</a> <ul> <li> <a onclick="dl_Navigation('menu','Buying a home');" href="/consumers/home-buying" class="current-page-ancestor ">Buying a home</a> <ul> <li> <a onclick="dl_Navigation('menu','Homebuying calculators');" href="/consumers/home-buying/calculators" class="current-page-ancestor ">Homebuying calculators</a> <ul> <li><a onclick="dl_Navigation('menu','Mortgage calculator');" href="/consumers/home-buying/calculators/mortgage-calculator" class=" ">Mortgage calculator</a></li> <li><a onclick="dl_Navigation('menu','Affordability calculator');" href="/consumers/home-buying/calculators/affordability-calculator" class=" ">Affordability calculator</a></li> <li><a onclick="dl_Navigation('menu','Debt service calculator');" href="/consumers/home-buying/calculators/debt-service-calculator" class="current-page-ancestor ">Debt service calculator</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Buying guides');" href="/consumers/home-buying/buying-guides" class=" ">Buying guides</a> <ul> <li><a onclick="dl_Navigation('menu','Homebuying step by step');" href="/consumers/home-buying/buying-guides/home-buying" class=" ">Homebuying step by step</a></li> <li><a onclick="dl_Navigation('menu','CMHC's condominium buyer's guide');" href="/consumers/home-buying/buying-guides/condominium" class=" ">CMHC's condominium buyer's guide</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Mortgage loan insurance for consumers');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers" class=" ">Mortgage loan insurance for consumers</a> <ul> <li><a onclick="dl_Navigation('menu','What is CMHC mortgage loan insurance?');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/what-is-mortgage-loan-insurance" class=" ">What is CMHC mortgage loan insurance?</a></li> <li><a onclick="dl_Navigation('menu','Do I qualify for mortgage loan insurance?');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/what-are-the-general-requirements-to-qualify-for-homeowner-mortgage-loan-insurance" class=" ">Do I qualify for mortgage loan insurance?</a></li> <li><a onclick="dl_Navigation('menu','CMHC mortgage loan insurance costs');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-mortgage-loan-insurance-cost" class=" ">CMHC mortgage loan insurance costs</a></li> <li> <a onclick="dl_Navigation('menu','CMHC's Eco Products');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products" class=" ">CMHC's Eco Products</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC’s Eco Improvement');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-improvement" class=" ">CMHC’s Eco Improvement</a></li> <li><a onclick="dl_Navigation('menu','CMHC Eco Plus');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-plus" class=" ">CMHC Eco Plus</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','CMHC — home renovation financing options');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-home-renovation-financing-options" class=" ">CMHC — home renovation financing options</a></li> <li><a onclick="dl_Navigation('menu','FAQs — mortgage loan insurance');" href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/faqs-mortgage-loan-insurance" class=" "> FAQs — mortgage loan insurance</a></li> <li><a onclick="dl_Navigation('menu','COVID-19: understanding mortgage payment deferral');" href="/professionals/industry-innovation-and-leadership/industry-expertise/resources-for-mortgage-professionals/covid19-understanding-mortgage-payment-deferral?rdlink=1" class=" ">COVID-19: understanding mortgage payment deferral</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Incentives for homebuyers');" href="/consumers/home-buying/government-of-canada-programs-to-support-homebuyers" class=" ">Incentives for homebuyers</a></li> <li><a onclick="dl_Navigation('menu','Newcomers');" href="/consumers/home-buying/newcomers" class=" ">Newcomers</a></li> <li><a onclick="dl_Navigation('menu','The First-Time Home Buyer Incentive');" href="/consumers/home-buying/first-time-home-buyer-incentive" class=" ">The First-Time Home Buyer Incentive</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Owning a home');" href="/consumers/owning-a-home" class=" ">Owning a home</a> <ul> <li> <a onclick="dl_Navigation('menu','Manage your mortgage');" href="/consumers/owning-a-home/mortgage-management" class=" ">Manage your mortgage </a> <ul> <li><a onclick="dl_Navigation('menu','Mortgage fraud');" href="/consumers/owning-a-home/mortgage-management/mortgage-fraud" class=" ">Mortgage fraud</a></li> <li><a onclick="dl_Navigation('menu','Mortgage planning tips');" href="/consumers/owning-a-home/mortgage-management/mortgage-planning-tips-cmhc" class=" ">Mortgage planning tips</a></li> <li><a onclick="dl_Navigation('menu','Plan and manage your mortgage');" href="/consumers/owning-a-home/mortgage-management/plan-and-manage-your-mortgage" class=" ">Plan and manage your mortgage</a></li> <li><a onclick="dl_Navigation('menu','Your credit report');" href="/consumers/owning-a-home/mortgage-management/your-credit-report" class=" ">Your credit report</a></li> <li><a onclick="dl_Navigation('menu','Your home value');" href="/consumers/owning-a-home/mortgage-management/your-home-value" class=" ">Your home value</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Aging in place');" href="/consumers/owning-a-home/aging-in-place" class=" ">Aging in place</a> <ul> <li><a onclick="dl_Navigation('menu','Housing options for Seniors');" href="/consumers/owning-a-home/aging-in-place/housing-options-for-seniors" class=" ">Housing options for Seniors</a></li> <li><a onclick="dl_Navigation('menu','Housing and finance tips');" href="/consumers/owning-a-home/aging-in-place/housing-and-finance-tips" class=" ">Housing and finance tips</a></li> <li><a onclick="dl_Navigation('menu','Mortgage financing options for people 55+');" href="/consumers/owning-a-home/aging-in-place/mortgage-financing-options-for-people-55-and-above" class=" ">Mortgage financing options for people 55+</a></li> <li><a onclick="dl_Navigation('menu','Preventing fraud and financial abuse');" href="/consumers/owning-a-home/aging-in-place/preventing-fraud-and-financial-abuse" class=" ">Preventing fraud and financial abuse</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Renting a home');" href="/consumers/renting-a-home" class=" ">Renting a home </a> <ul> <li> <a onclick="dl_Navigation('menu','I want to rent');" href="/consumers/renting-a-home/i-want-to-rent" class=" ">I want to rent</a> <ul> <li><a onclick="dl_Navigation('menu','Things to consider before renting');" href="/consumers/renting-a-home/i-want-to-rent/things-to-consider-before-renting" class=" ">Things to consider before renting</a></li> <li><a onclick="dl_Navigation('menu','Types of housing for rent in Canada');" href="/consumers/renting-a-home/i-want-to-rent/types-of-housing-for-rent-in-canada" class=" ">Types of housing for rent in Canada</a></li> <li><a onclick="dl_Navigation('menu','Finding or advertising a rental property');" href="/consumers/renting-a-home/i-want-to-rent/finding-or-advertising-a-rental-property" class=" ">Finding or advertising a rental property</a></li> <li><a onclick="dl_Navigation('menu','Visiting the rental property');" href="/consumers/renting-a-home/i-want-to-rent/visiting-the-rental-property" class=" ">Visiting the rental property</a></li> <li><a onclick="dl_Navigation('menu','Lease and rental agreements');" href="/consumers/renting-a-home/i-want-to-rent/lease-and-rental-agreements" class=" ">Lease and rental agreements</a></li> <li><a onclick="dl_Navigation('menu','Signing the lease');" href="/consumers/renting-a-home/i-want-to-rent/signing-lease" class=" ">Signing the lease</a></li> <li><a onclick="dl_Navigation('menu','Credit checks and bad credit');" href="/consumers/renting-a-home/i-want-to-rent/credit-checks-and-bad-credit" class=" ">Credit checks and bad credit</a></li> <li><a onclick="dl_Navigation('menu','Rental payments and deposits<br>');" href="/consumers/renting-a-home/i-want-to-rent/rental-payments-and-deposits" class=" ">Rental payments and deposits<br></a></li> <li><a onclick="dl_Navigation('menu','Roommates and pets');" href="/consumers/renting-a-home/i-want-to-rent/roommates-and-pets" class=" ">Roommates and pets</a></li> </ul> </li> <li> <a onclick="dl_Navigation('menu','I am renting');" href="/consumers/renting-a-home/i-am-renting" class=" ">I am renting</a> <ul> <li><a onclick="dl_Navigation('menu','Moving day');" href="/consumers/renting-a-home/i-am-renting/moving-day" class=" ">Moving day</a></li> <li><a onclick="dl_Navigation('menu','Landlord/Tenant responsibilities');" href="/consumers/renting-a-home/i-am-renting/landlord-tenant-responsibilities" class=" ">Landlord/Tenant responsibilities</a></li> <li><a onclick="dl_Navigation('menu','Inspections');" href="/consumers/renting-a-home/i-am-renting/inspections" class=" ">Inspections</a></li> <li><a onclick="dl_Navigation('menu','Maintenance and repairs');" href="/consumers/renting-a-home/i-am-renting/maintenance-repairs" class=" ">Maintenance and repairs</a></li> <li><a onclick="dl_Navigation('menu','Complaints and evictions');" href="/consumers/renting-a-home/i-am-renting/compliants-evictions" class=" ">Complaints and evictions</a></li> <li><a onclick="dl_Navigation('menu','Rent increases');" href="/consumers/renting-a-home/i-am-renting/rent-increases" class=" ">Rent increases</a></li> <li><a onclick="dl_Navigation('menu','When you can't pay rent');" href="/consumers/renting-a-home/i-am-renting/when-you-cant-pay-rent" class=" ">When you can't pay rent</a></li> <li><a onclick="dl_Navigation('menu','Renewing or terminating the lease');" href="/consumers/renting-a-home/i-am-renting/renewing-or-terminating-lease" class=" ">Renewing or terminating the lease</a></li> <li><a onclick="dl_Navigation('menu','Moving out');" href="/consumers/renting-a-home/i-am-renting/moving-out" class=" ">Moving out</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','One-Time Top-Up to the Canada Housing Benefit');" href="/consumers/renting-a-home/one-time-top-up-canada-housing-benefit" class=" ">One-Time Top-Up to the Canada Housing Benefit</a></li> <li><a onclick="dl_Navigation('menu','COVID&#8209;19: eviction bans and suspensions to support renters');" href="/consumers/renting-a-home/covid-19-eviction-bans-and-suspensions-to-support-renters" class=" ">COVID‑19: eviction bans and suspensions to support renters</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','About CMHC');" href="/about-us" class=" ">About CMHC</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC’s goals, values and commitment to housing');" href="/about-us/cmhcs-story" class=" ">CMHC’s goals, values and commitment to housing</a></li> <li><a onclick="dl_Navigation('menu','Discover Life at CMHC');" href="https://www.cmhc-schl.gc.ca/en/working-at-cmhc" class=" ">Discover Life at CMHC</a></li> <li> <a onclick="dl_Navigation('menu','Management and governance');" href="/about-us/management-and-governance" class=" ">Management and governance</a> <ul> <li><a onclick="dl_Navigation('menu','Speakers’ bureau');" href="/professionals/events-and-speakers/speakers-bureau?rdlink=1" class=" ">Speakers’ bureau</a></li> <li><a onclick="dl_Navigation('menu','CMHC's Annual Public Meeting');" href="/about-us/management-and-governance/annual-public-meeting" class=" ">CMHC's Annual Public Meeting</a></li> <li><a onclick="dl_Navigation('menu','CMHC’s board of directors and committees');" href="/about-us/management-and-governance/board-of-directors-and-its-committees" class=" ">CMHC’s board of directors and committees</a></li> <li><a onclick="dl_Navigation('menu','Our management committee');" href="/about-us/management-and-governance/our-management-committee" class=" ">Our management committee</a></li> <li> <a onclick="dl_Navigation('menu','Pension governance');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc" class=" ">Pension governance</a> <ul> <li><a onclick="dl_Navigation('menu','Pension overview');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc/pension-overview" class=" ">Pension overview</a></li> <li><a onclick="dl_Navigation('menu','Key roles and responsibilities');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc/key-roles-and-responsibilities" class=" ">Key roles and responsibilities</a></li> <li><a onclick="dl_Navigation('menu','Annual reports');" href="/about-us/management-and-governance/pension-and-governance-at-cmhc/annual-reports" class=" ">Annual reports</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Corporate reporting');" href="/about-us/corporate-reporting" class=" ">Corporate reporting</a> <ul> <li><a onclick="dl_Navigation('menu','CMHC’s 2023 Annual Report');" href="/about-us/corporate-reporting/cmhc-annual-report" class=" ">CMHC’s 2023 Annual Report</a></li> <li><a onclick="dl_Navigation('menu','Program evaluation');" href="/about-us/corporate-reporting/program-evaluation" class=" ">Program evaluation</a></li> <li><a onclick="dl_Navigation('menu','Quarterly financial reports');" href="/about-us/corporate-reporting/quarterly-financial-reports" class=" ">Quarterly financial reports</a></li> <li><a onclick="dl_Navigation('menu','Joint auditors special examination report to CMHC board 2018');" href="/about-us/corporate-reporting/report-joint-auditors-board-directors-cmhc" class=" ">Joint auditors special examination report to CMHC board 2018</a></li> <li><a onclick="dl_Navigation('menu','CMHC&rsquo;s Insured Mortgage Deferral');" href="/about-us/corporate-reporting/mortgage-deferral-numbers" class=" ">CMHC’s Insured Mortgage Deferral</a></li> <li><a onclick="dl_Navigation('menu','Corporate Plan Summary');" href="/about-us/corporate-reporting/summary-of-the-corporate-plan" class=" ">Corporate Plan Summary</a></li> <li> <a onclick="dl_Navigation('menu','Transparency');" href="/about-us/corporate-reporting/transparency" class=" ">Transparency</a> <ul> <li><a onclick="dl_Navigation('menu','Access to information and privacy protection');" href="/about-us/corporate-reporting/transparency/access-to-information-and-privacy-protection" class=" ">Access to information and privacy protection</a></li> <li><a onclick="dl_Navigation('menu','Accessibility at CMHC');" href="/about-us/corporate-reporting/transparency/accessibility-at-cmhc" class=" ">Accessibility at CMHC</a></li> <li><a onclick="dl_Navigation('menu','Accessibility feedback process');" href="/about-us/corporate-reporting/transparency/accessibility-feedback-process" class=" ">Accessibility feedback process</a></li> <li><a onclick="dl_Navigation('menu','Briefing materials');" href="/about-us/corporate-reporting/transparency/briefing-materials" class=" ">Briefing materials</a></li> <li> <a onclick="dl_Navigation('menu','Procurement');" href="/about-us/corporate-reporting/transparency/procurement" class=" ">Procurement</a> <ul> <li><a onclick="dl_Navigation('menu','Vendor Diversity Program');" href="/about-us/corporate-reporting/transparency/procurement/cmhc-vendor-diversity-program" class=" ">Vendor Diversity Program</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Travel, hospitality and conference expenditures');" href="/about-us/corporate-reporting/transparency/travel-hospitality-and-conference-expenditures" class=" ">Travel, hospitality and conference expenditures</a></li> </ul> </li> </ul> </li> <li> <a onclick="dl_Navigation('menu','Contact us');" href="/about-us/contact-us" class=" ">Contact us</a> <ul> <li><a onclick="dl_Navigation('menu','Contact mortgage loan insurance');" href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/contact-mortgage-loan-insurance?rdlink=1" class=" ">Contact mortgage loan insurance</a></li> <li><a onclick="dl_Navigation('menu','Regional offices');" href="/about-us/contact-us/regional-offices" class=" ">Regional offices</a></li> <li><a onclick="dl_Navigation('menu','Granville lsland');" href="https://granvilleisland.com/" class=" ">Granville lsland</a></li> <li><a onclick="dl_Navigation('menu','Indigenous and the North Housing Solutions');" href="/about-us/contact-us/indigenous-housing-specialists" class=" ">Indigenous and the North Housing Solutions</a></li> <li><a onclick="dl_Navigation('menu','National office');" href="/about-us/contact-us/national-office" class=" ">National office</a></li> <li><a onclick="dl_Navigation('menu','Holiday service hours');" href="/about-us/contact-us/holiday-hours" class=" ">Holiday service hours</a></li> </ul> </li> </ul> </li> <li><a onclick="dl_Navigation('menu','Media Newsroom');" href="/media-newsroom" class=" ">Media Newsroom</a></li> <li> <a onclick="dl_Navigation('menu','National Housing Strategy');" href="/nhs" class=" ">National Housing Strategy</a> <ul> <li> <a onclick="dl_Navigation('menu','What is the strategy?');" href="/nhs/guidepage-strategy" class=" ">What is the strategy?</a> <ul> <li><a onclick="dl_Navigation('menu','About the initiatives');" href="/nhs/guidepage-strategy/about-the-initiatives" class=" ">About the initiatives</a></li> <li><a onclick="dl_Navigation('menu','How to apply');" href="/nhs/guidepage-strategy/how-to-apply" class=" ">How to apply</a></li> <li><a onclick="dl_Navigation('menu','Help and resources');" href="/nhs/guidepage-strategy/help-and-resources" class=" ">Help and resources</a></li> <li><a onclick="dl_Navigation('menu','Priority areas for action');" href="/nhs/guidepage-strategy/priority-areas-for-action" class=" ">Priority areas for action</a></li> <li><a onclick="dl_Navigation('menu','The National Housing Strategy Glossary of Common Terms');" href="/nhs/guidepage-strategy/glossary" class=" ">The National Housing Strategy Glossary of Common Terms</a></li> <li><a onclick="dl_Navigation('menu','The Strategy in Action');" href="/nhs/guidepage-strategy/strategy-in-action" class=" ">The Strategy in Action</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','Federal/Provincial/Territorial housing agreements');" href="/nhs/federal-provincial-territorial-housing-agreements" class=" ">Federal/Provincial/Territorial housing agreements</a></li> <li><a onclick="dl_Navigation('menu','Other funding and financing opportunities');" href="/nhs/other-cmhc-funding-opportunities" class=" ">Other funding and financing opportunities</a></li> </ul> </li> <li><a onclick="dl_Navigation('menu','The Housing Observer');" href="/blog" class=" ">The Housing Observer</a></li> <li><a onclick="dl_Navigation('menu','Canada’s Housing Podcast');" href="/in-house-podcast" class=" ">Canada’s Housing Podcast</a></li> <li><a onclick="dl_Navigation('menu','Careers');" href="/working-at-cmhc" class=" ">Careers</a></li> <li><a onclick="dl_Navigation('menu','Housing Knowledge Centre');" href="/library" class=" ">Housing Knowledge Centre</a></li> </ul> <div class="nav-divider"> </div> </nav> </div> </header>  <div class="row container-1col"> <div class="large-12 small-12 medium-12 columns" > </div> </div> <main> <a name="maincontent"></a> <section id="maincontent" class="main-content clear-fix" data-disclaimer="False" style="display:none;"> <div class="column expanded ia-twoplusone padding-top-bottom-20 bgcolor-white"> <div class="row bgcolor-white"> <div class="large-8 medium-8 small-12 columns">  <div class="breadcrumb ia-breadcrumb"> <div> <ul> <li class="font-18 color-blue "> <a href="/" onclick='dl_CTA("Home",this);'>Home</a> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/images/icons/icon-chevron-right.svg?rev=ab95865d-5030-4a5f-93c2-1296ae042531&iar=0" class="breadcrumb-chevron" alt="" /> </li> <li class="font-18 color-blue "> <a href="/nhs" onclick='dl_CTA("National Housing Strategy",this);'>National Housing Strategy</a> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/images/icons/icon-chevron-right.svg?rev=ab95865d-5030-4a5f-93c2-1296ae042531&iar=0" class="breadcrumb-chevron" alt="" /> </li> <li class="font-18 color-blue "> <a href="/nhs/guidepage-strategy" onclick='dl_CTA("What is the strategy?",this);'>What is the strategy?</a> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/images/icons/icon-chevron-right.svg?rev=ab95865d-5030-4a5f-93c2-1296ae042531&iar=0" class="breadcrumb-chevron" alt="" /> </li> <li class="active color-grey font-18">The National Housing Strategy Glossary of Common Terms</li> </ul> </div> </div>  </div> <div class="large-4 medium-4 small-12 columns">  <div class="action-icons"> <div class="action-button text-right"> <ul> <li class="text-center"> <a id="addToFolderCall" class="addtofldr" href="/api/sitecore/B2CAuthentication/%20SignIn"> <div class="action-imgicon bgcolor-blue bgcolordarkblue-hover"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/banneractions/icon-folder.png?rev=b0247182-c649-498a-83b7-2de4b3d8de52&la=en&h=100&w=100" title="Save" alt="" /> </div> <span class="font-11 color-blue font-normal text-uppercase">Save</span> </a> </li> <li class="text-center"> <a href="#shareDeveloping" rel="modal:open"> <div class="action-imgicon bgcolor-blue bgcolordarkblue-hover"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/banneractions/icon-share.png?rev=9e3c1cf5-a61d-4907-a0a7-a560bb4a68d9&la=en&h=100&w=100" title="Share" alt="" /> </div> <span class="font-11 color-blue font-normal text-uppercase">Share</span> </a> </li> </ul> </div> </div>  <script type="text/javascript"> $(document).ready(function () { isusrlogged(); }); function subsModalOpen() { $('#subscribe-developing').modal(); } function isusrlogged() { $.ajax({ url: '/api/sitecore/AccountManagement/Logged', data: {}, type: "GET", success: function (result) { if (result !== null && result.Data === true) { $(".addtofldr").removeAttr('href'); $(".addtofldr").attr('onclick', 'folderModalCall();'); $(".addtofldr").on('click', folderModalCall); $(".subsfldr").attr('href', '#subscribe-developing'); $(".subsfldr").attr('onclick', 'subsModalOpen();'); $(".subsfldr").on('click', subsModalOpen); $(".exportCalculation").attr('href', '#export-calculation'); $(".exportCalculation").attr('onclick', 'ExportthisPDF();'); if ($.isFunction(window.ExportthisPDF)) { $(".exportCalculation").on('click', ExportthisPDF); //Only invoke a method when it's availabe } } else { $(".addtofldr").attr('href', '/api/sitecore/B2CAuthentication/SignIn'); $(".addtofldr").removeAttr('onclick'); $(".subsfldr").attr('href', '/api/sitecore/B2CAuthentication/SignIn'); $(".subsfldr").removeAttr('onclick'); } }, error: function (error) { } }); } </script> </div> </div> </div>  <div id="add-to-folder"> <input name="__RequestVerificationToken" type="hidden" value="Bkbb0yP-0Z_sqt_RqZVvUcVrYw589bJeYm7ZLFxtw4-3FA5wWpWGm_lTspBNCfo3WyAI-7bWrcQhqK0FA321ajdW_JIEqd-VKZARWTlmbR41" /> <div id="addToFolderDeveloping" class="dialog modal-added-to-folder modal" style="display:none"> <input type="hidden" id="itemguid" value="{C25554AB-3A45-4A0E-ABA1-286FEC2B81DE}" /> <input type="hidden" id="itemTitle" value="The National Housing Strategy Glossary of Common Terms" /> <input type="hidden" id="itemTemplateName" value="Guide Step Page" /> <input type="hidden" id="itemParentID" value="{26A40DC3-EB03-4619-B28B-FD9FD26437F3}" /> <div class="modal-icon"> <img alt="Save Icon" src="/Content/project/cmhc/img/icon-folder.svg" /> </div> <div class="modal-center"> <h3>SAVE TO MY FOLDER</h3> <h4>The National Housing Strategy Glossary of Common Terms</h4><div class="button-component"><a class="button" id="add-folder">SAVE</a></div> <label class="small"> <input type="checkbox" id="dont-show" value="0"> Don’t show this, just save it </label> </div> <footer class="footer-links custom-footer-margin"> <a href="#close-modal" rel="modal:close">Close this Window</a> <a class="nounderline">  |  </a> <a href="/my-folder">Manage my Folder</a> </footer> </div> </div>   <div id="addToFolderSuccess" class="dialog modal-added-to-folder-done modal" style="display:none"> <div class="modal-icon"> <img alt="Save Icon" src="/Content/project/cmhc/img/icon-folder.svg" /> </div> <div class="modal-center"> <h3>SAVE TO MY FOLDER</h3> <h4>The National Housing Strategy Glossary of Common Terms</h4> <div class="subscribe-done"> <img alt="Done" src="/Content/project/cmhc/img/icon-check-round.svg" width="45" height="45"> Done! </div> </div> <footer class="footer-links custom-footer-margin"> <a href="#close-modal" rel="modal:close">Close this Window</a> <a class="nounderline">  |  </a> <a href="/my-folder">Manage my Folder</a> </footer> </div>  <script type="text/javascript"> function folderModalCall() { if (getFolderCookie()) { savetomyfolder(); } else { $('#addToFolderDeveloping').modal(); } } $('#add-folder').on('click', function () { savetomyfolder(); }); function savetomyfolder() { var token = $("#add-to-folder").children($('input[name="__RequestVerificationToken"]')).val(); $.ajax({ url: '/api/sitecore/AddToFolder/AddToFolder', data: { currentItemID: $('#itemguid').val(), currentPageTitleEncoded: encodeURI($('#itemTitle').val()), currentPageTemplateName: $('#itemTemplateName').val(), __RequestVerificationToken: token }, type: "POST", success: function (result) { if (result != null && result != undefined) { if (result.Result == true) { $('#addToFolderDeveloping').hide(); $('#addToFolderSuccess').modal(); dl_Savetofolder(); if ($('#dont-show')[0].checked) { document.cookie = "Folder=AutoAddtoFolder;"; $("#addToFolderDeveloping").attr("id", "addToFolderDevelopingchecked"); $("#addToFolderSuccess").attr("id", "addToFolderDeveloping"); } } else if (result.data == "duplicate") { dl_Savetofolder(); alert("Already added to my folder"); } } else { console.log(result); } }, error: function (error) { console.log("Unable to add to folder", error); } }); } function getFolderCookie() { var decodedCookie = document.cookie; var ca = decodedCookie.split(';'); for (var i = 0; i < ca.length; i++) { var c = ca[i]; if (c == "Folder=AutoAddtoFolder") { return true; } } return false; } </script>  <div id="shareDeveloping" class="dialog modal modal-share" style="display:none"> <input type="hidden" id="resultPage" value="0" /> <div class="modal-icon"> <img src="/Content/project/cmhc/img/icon-share.svg" alt="Share icon"> </div> <h3>Share via </h3> <ul id="pageList"> <li> <a onclick='dl_Socialshare("Facebook");' href="https://www.facebook.com/sharer/sharer.php?u=https%3a%2f%2fwww.cmhc-schl.gc.ca%2fnhs%2fguidepage-strategy%2fglossary%3frev%3dd5aff49c-dfae-47ab-b6b7-4c24f58fb195&redirect_uri=https://www.facebook.com/" target="_blank"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/fb.png?rev=58e1da75-32b3-4b94-b7c4-fd9a403a7f5f" alt="Facebook" /> </a> </li> <li> <a onclick='dl_Socialshare("LinkedIn");' href="http://www.linkedin.com/shareArticle?mini=true&url=https%3a%2f%2fwww.cmhc-schl.gc.ca%2fnhs%2fguidepage-strategy%2fglossary%3frev%3dd5aff49c-dfae-47ab-b6b7-4c24f58fb195" target="_blank"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/linkedin.png?rev=73141be7-8ec0-4473-9844-85fc1bc3f021" alt="LinkedIn" /> </a> </li> <li> <a onclick='dl_Socialshare("Mail");' href="#shareVia" rel="modal:open"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/mail-blue.png?rev=50aba00e-3c7f-4c3f-8894-3ebbe06e2eb0" alt="Mail" /> </a> </li> <li> <a onclick='dl_Socialshare("");' href="https://twitter.com/intent/tweet?text=https%3a%2f%2fwww.cmhc-schl.gc.ca%2fnhs%2fguidepage-strategy%2fglossary%3frev%3dd5aff49c-dfae-47ab-b6b7-4c24f58fb195" target="_blank"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/social-twitter-bkg.svg?rev=ee07ac86-8703-4a5b-a07c-8578839b95a0" alt="" /> </a> </li> <li> <a onclick='dl_Socialshare("print");' href="javascript: window.print(); " > <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/print.png?rev=be86874d-713c-474a-a28d-7bdef2f093fd" alt="print" /> </a> </li> <li> <a onclick='copyPageToClipboard();'> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/copy-link-icon.png?rev=77c79f8d-201d-46dc-a876-ac3ef7979336" id="CopyLink" alt="CopyLink" /> </a> </li> </ul> <p style="display:none;" id="SuccessCopylink"> <img id="SuccessCopyLink" src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/icon-check-blue.svg?rev=60d06e4c-2999-4d9d-aa1f-f29e7c3cb830" alt="SuccessCopyLinkVersion" />Link copied</p> </div>  <input type="hidden" value="{F56D03B0-D1F9-4C79-9863-870DDE886A57}" id="email-template-id" />  <div id="shareDevelopingPDF" class="dialog modal modal-share" style="display:none"> <input type="hidden" id="logined_user" value="False" /> <div class="modal-icon"> <img src="/Content/project/cmhc/img/icon-share.svg" alt="Share icon"> </div> <h3>Share via </h3> <ul id="versionList"> <li> <a onclick='dl_Socialshare("Facebook");' href="https://www.facebook.com/sharer/sharer.php?u=https%3a%2f%2fwww.cmhc-schl.gc.ca%2fnhs%2fguidepage-strategy%2fglossary%3frev%3dd5aff49c-dfae-47ab-b6b7-4c24f58fb195&redirect_uri=https://www.facebook.com/" id="Facebook" target="_blank"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/fb.png?rev=58e1da75-32b3-4b94-b7c4-fd9a403a7f5f" alt="Facebook" /> </a> </li> <li> <a onclick='dl_Socialshare("LinkedIn");' href="http://www.linkedin.com/shareArticle?mini=true&url=https%3a%2f%2fwww.cmhc-schl.gc.ca%2fnhs%2fguidepage-strategy%2fglossary%3frev%3dd5aff49c-dfae-47ab-b6b7-4c24f58fb195" id="LinkedIn" target="_blank"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/linkedin.png?rev=73141be7-8ec0-4473-9844-85fc1bc3f021" alt="LinkedIn" /> </a> </li> <li> <a onclick='dl_Socialshare("Mail");' href="#shareVia" rel="modal:open"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/mail-blue.png?rev=50aba00e-3c7f-4c3f-8894-3ebbe06e2eb0" alt="Mail" /> </a> </li> <li> <a onclick='dl_Socialshare("");' href="https://twitter.com/intent/tweet?text=https%3a%2f%2fwww.cmhc-schl.gc.ca%2fnhs%2fguidepage-strategy%2fglossary%3frev%3dd5aff49c-dfae-47ab-b6b7-4c24f58fb195" id="" target="_blank"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/social-twitter-bkg.svg?rev=ee07ac86-8703-4a5b-a07c-8578839b95a0" alt="" /> </a> </li> <li> <a onclick='dl_Socialshare("print");' href="javascript: window.print(); " id="print" > <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/print.png?rev=be86874d-713c-474a-a28d-7bdef2f093fd" alt="print" /> </a> </li> <li> <a tabindex="0" onclick='copyToClipboard();'> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/copy-link-icon.png?rev=77c79f8d-201d-46dc-a876-ac3ef7979336" id="CopyLinkVersion" alt="CopyLink" class="copyLink" /> </a> </li> </ul> <p style="display:none;" id="SuccessShareCopylink"> <img id="SuccessshareCopyLinkimg" src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/share/icon-check-blue.svg?rev=60d06e4c-2999-4d9d-aa1f-f29e7c3cb830" alt="SuccessCopyLinkVersion" />Link copied</p> </div>   <div id="shareVia" class="dialog modal-email-share-withsignature common-share-email modal" style="display:none"> <div class="modal-icon"> <img src="/Content/project/cmhc/img/icon-share.svg" alt="share icon"> </div> <h3> <img alt="Mail-blue" class="share-grey-icon" src="/content/project/cmhc/img/mail-blue.png" /> Share via Email </h3> <form class="share-email modalContainer" id="share-email" method="get" action="#"> <input name="__RequestVerificationToken" type="hidden" value="KfJCw07CX2lgmLW_Y6yoKH8Bjzg3NSy3XOctQzD5iJvz0Csv5kvlyJIhnNxCaHJqIr5jzaTCOU4ewXlV8HuHd4CYKiZ4savZBYbfGRJOIfY1" /> <label for="sh_name">Recipient Name</label> <input type="text" id="sh_name" maxlength="250" /> <label for="sh_Email">Recipient Email*</label> <input type="text" id="sh_Email" name="sh_Email" maxlength="250" /> <label for="sh_Comment">Comment</label> <textarea id="sh_Comment" rows="4" cols="50" name="sh_Comment" maxlength="250">I thought you might find this interesting. </textarea> <label for="sh_YourName"> Your Name*</label> <input type="text" id="sh_YourName" name="sh_YourName" maxlength="250" /> <div class="help-tip-box"> <img class="blue-bulb" src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/imgs/icons/icon-bulb.svg" alt=""> <h5>Did You Know?</h5> <p>You can include an email signature?</p> <p><a href="/cmhc-registration">Register</a> | <a href="/api/sitecore/B2CAuthentication/SignIn">Sign In</a></p> <span class="help-tip-close">×</span> </div> <div class="shareicon-captcha"> <div class="g-recaptcha" data-sitekey="6LcufcAUAAAAALhJMglZEwomYwq2emuNR_kjyKnz" data-callback="recapCallback"> </div> <img class="gcaploader" style="display:none" src="/Content/img/loader.gif" alt="Google Captcha Loader" /> <label class="g-recaptcha-err error"> <span style="display:none">Empty Label accessibility fix</span></label> <input type="hidden" name="gcapreq" value="Captcha validation required " /> <input type="hidden" name="gcapvalfailed" value="Captcha validation failed" /> </div> <div id="email" class="button-panel"> <input type="button" onclick="dl_Socialshare('email');" value="Share"> </div> </form> <fieldset class="validation"> <input type="hidden" id="sh_Email_required" value="You must enter a Email" /> <input type="hidden" id="sh_Email_email" value="Please enter valid email address" /> <input type="hidden" id="sh_YourName_required" value="You must enter your name" /> </fieldset> </div>   <div id="sharesuccess" class="dialog modal-share-email-done modal" style="display:none"> <div class="modal-icon"> <img src="/Content/project/cmhc/img/icon-share.svg" alt="share icon"> </div> <h3> <img alt="Mail-blue" class="share-grey-icon" src="/content/project/cmhc/img/mail-blue.png" /> Share via Email </h3> <div class="modal-center"> <div class="subscribe-done"> <img alt="Done" src="/Content/project/cmhc/img/icon-check-round.svg" width="45" height="45"> <span>Done!</span> </div> </div> <footer class="footer-links custom-footer-margin"> <a href="#close-modal" rel="modal:close">Close this window</a> </footer> </div>  <script type="text/javascript"> $(document).ready(function () { var baseurl = decodeURIComponent(window.location.href); var url = baseurl.slice(baseurl.indexOf('?') + 1).split('&'); for (var i = 0; i < url.length; i++) { var urlparam = url[i].split('='); var key = urlparam[0]; var value = urlparam[1]; if (key == "openEmailShare") { if (value) { var originalurl = removeURLParameter(window.location.href, "openEmailShare"); window.history.pushState({ path: originalurl }, '', originalurl); $('#shareVia').modal(); } } } }); var fenabled = 'True'.toLowerCase(); var rcapValue function recapCallback(d) { rcapValue = d; } function resetSocialCaptcha() { rcapValue = ''; grecaptcha.reset(0) } function showCaptchaErrorSocial(msg) { $('.shareicon-captcha>.g-recaptcha-err').css('color', 'red'); $('.shareicon-captcha>.g-recaptcha-err').html(msg); $('.shareicon-captcha>.g-recaptcha-err').show(); } function copyToClipboard() { var text = document.getElementById("CopyLink"); var copytext = text.attributes.value.nodeValue; var clipBoardElem = document.createElement("input"); document.body.appendChild(clipBoardElem); clipBoardElem.value = copytext; clipBoardElem.select(); var successfulCopy = document.execCommand('copy'); $("#SuccessShareCopylink").attr("role","alert"); $("#SuccessShareCopylink").show(); setTimeout(function () { $("#SuccessShareCopylink").attr("role",""); $("#SuccessShareCopylink").hide() $("pageList").children("refresh"); }, 4000); } function copyPageToClipboard() { var copytext = decodeURIComponent(window.location.href); var clipBoardElem = document.createElement("input"); document.body.appendChild(clipBoardElem); clipBoardElem.value = copytext; clipBoardElem.select(); var successfulCopy = document.execCommand('copy'); $("#SuccessCopylink").attr("role","alert") $("#SuccessCopylink").show(); setTimeout(function () { $("#SuccessCopylink").attr("role","") $("#SuccessCopylink").hide(); $("pageList").children("refresh"); }, 4000); } var queryUrl = 0, email, username; var queryShareUrl = ""; $(function () { $('#share-email').validate(); var Comment = $('#sh_Comment').val(); $('#email').on('click', function () { if ($('#logined_user').val() == "True") { username = $('#sh_YourName').val(); if (document.getElementById('addEmail').checked) { email = $('#sh_Email').val() + "," + $('#logined_user_email').val(); } else { email = $('#sh_Email').val(); } } else { email = $('#sh_Email').val(); } if ($('#share-email').valid()) { if (fenabled === 'true' && (rcapValue === undefined || rcapValue === '')) { rcapValue = grecaptcha.getResponse() if (rcapValue == undefined || rcapValue == '') { var mreq = $('input[name ="gcapreq"]').val(); showCaptchaErrorSocial(mreq); return; } } $("#email").find('input').prop("disabled", true); //disable the button from multiple click, resulting in multiple email var token = $("#share-email").children($('input[name="__RequestVerificationToken"]')).val(); var shareEmailModel = { "ToAddress":email, "SharedItemId": $('#resultPage').val()==0?"C25554AB-3A45-4A0E-ABA1-286FEC2B81DE":"26A40DC3-EB03-4619-B28B-FD9FD26437F3", "SenderName": $('#sh_YourName').val(), "RecipientName": $('#sh_name').val(), "Comment": $('#sh_Comment').val(), "EmailTemplateItemId": $('#email-template-id').val(), "recaptcha": rcapValue, "ShareUrlQueryString": queryShareUrl !== '' ? queryShareUrl : '', "__RequestVerificationToken" : token }; queryUrl = 0; $.ajax({ url: '/api/sitecore/CMHC/SendShareEmail', data: shareEmailModel, type: "POST", success: function (data) { $("#email").find('input').prop("disabled", false); $('form#share-email')[0].reset(); $('#sharesuccess').modal(); resetSocialCaptcha(); return false; }, error: function (err) { resetSocialCaptcha(); $("#email").find('input').prop("disabled", false); console.log(err); } }); } }); }); </script> <div class="column expanded ia-pagecontent-head bgcolor-white padding-bottom-15 "> <div class="row"> <div class="pagecontent-wrapper "> <div class="small-12 medium-12 large-12 columns"> <div class="ia-text-component text-left"> <div class="nhslogoimg"> <div class="nhslogo-image"> <a onclick="dl_CTA('National Housing Strategy',this)" href="/nhs/guidepage-strategy"><img src="https://assets.cmhc-schl.gc.ca/sf/project/nhs/nhs-logo-small.png?rev=d5aff49c-dfae-47ab-b6b7-4c24f58fb195&h=83&iar=0&w=116" alt="National Housing Strategy" width="116" height="83" /></a> </div> </div> <h1 class="font-bold color-black font-42">The National Housing Strategy Glossary of Common Terms</h1> <p class="color-grey font-24">Knowing the terms and definitions used in the strategy </p> </div> </div> </div> </div> </div> <article class="guide-page"> <div class="column expanded ia-guide-index bgcolor-white None"> <div class="row fixed-container bgcolor-white"> <div class="small-12 medium-12 large-12 columns gridorder"> <div class="guidenav-accordion text-left "> <a href="javascript:void(0)" id="chptr-showmore" class="" aria-label=""> <span class="sr-only">Show Guide Chapters</span> </a> <input type="hidden" value="Show Guide Chapters" id="ia-showmore" /> <input type="hidden" value="Hide Guide Chapters" id="ia-hidemore" /> <div class="showmore-wrapper " style="display: none;"> <ul class="ai-guidenav"> <li> <a onclick='dl_CTA("What is the strategy?",this);' href="/nhs/guidepage-strategy" class="chapter-links">What is the strategy?</a> </li> <li> <a onclick='dl_CTA("About the initiatives",this);' href="/nhs/guidepage-strategy/about-the-initiatives" class="chapter-links">About the initiatives</a> </li> <li> <a onclick='dl_CTA("How to apply",this);' href="/nhs/guidepage-strategy/how-to-apply" class="chapter-links">How to apply</a> </li> <li> <a onclick='dl_CTA("Help and resources",this);' href="/nhs/guidepage-strategy/help-and-resources" class="chapter-links">Help and resources</a> </li> <li> <a onclick='dl_CTA("Priority areas for action",this);' href="/nhs/guidepage-strategy/priority-areas-for-action" class="chapter-links">Priority areas for action</a> </li> <li> <a href="#" class="active" style="text-decoration:none">The National Housing Strategy Glossary of Common Terms</a> </li> <li> <a onclick='dl_CTA("The Strategy in Action",this);' href="/nhs/guidepage-strategy/strategy-in-action" class="chapter-links">The Strategy in Action</a> </li> </ul> </div> </div> <section class="clearfix"> <div class="text-component text-clearfix"><p> The Glossary is provided for information purposes only. In all cases, terms and conditions of the program and related agreements entered into by the parties in connection with the NHS will prevail. In addition, the Glossary should be considered an evergreen document that will be subject to revisions as required. </p> <table class="responsiveTable stripe cell-border" width="100%" cellspacing="0" cellpadding="0"> <thead> <tr class="responsiveTable__headerRow"> <th class="width-20">Term</th> <th class="width-80">Definition</th> </tr> </thead> <tbody> <tr> <td> <p> <strong>Accessibility </strong>(Housing) <br> (See Universal Design and Visitability) </p> </td> <td> <p> Accessibility refers to the manner in which housing is designed, constructed or modified (such as through repair/ renovation/ renewal or modification of a home), to enable independent living for persons with diverse abilities. Accessibility is achieved through design, but also by adding features that make a home more accessible, such as modified cabinetry, furniture, space, shelves and cupboards, or even electronic devices that improve the overall ability to function in a home. </p> </td> </tr> <tr> <td> <p><strong>Affordability/Affordable Housing </strong></p> </td> <td> <p> In Canada, housing is considered “affordable” if it costs less than 30% of a household’s before-tax income. Many people think the term “affordable housing” refers only to rental housing that is subsidized by the government. In reality, it’s a very broad term that can include housing provided by the private, public and non-profit sectors. It also includes all forms of housing tenure: rental, ownership and co-operative ownership, as well as temporary and permanent housing. </p> </td> </tr> <tr> <td> <p> <strong>Applicant</strong> <br> (See Proponent) </p> </td> <td> <p> A proponent who submits an application for a program or initiative under the National Housing Strategy. </p> </td> </tr> <tr> <td> <p><strong>Borrower Analysis </strong></p> </td> <td> <p> The process of assessing the financial capacity and competence of a potential borrower, using established CMHC criteria. </p> </td> </tr> <tr> <td> <p><strong>Co-investor </strong></p> </td> <td> <p> Refers to project collaborators, other than the applicant, who provide monetary or in-kind support to a project. </p> </td> </tr> <tr> <td> <p><strong>Collaboration </strong></p> </td> <td> <p> Collaboration is two or more people/organizations working together toward shared goals. </p> </td> </tr> <tr> <td> <p><strong>Community Housing </strong></p> </td> <td> <p> The term “community housing” is an umbrella term that typically refers to either housing that is owned and operated by non-profit housing societies and housing co-operatives, or housing owned by provincial, territorial or municipal governments. </p> </td> </tr> <tr> <td> <p><strong>Core Housing Need</strong></p> </td> <td> <p> A household is in core housing need if its housing does not meet one or more of the adequacy, suitability or affordability standards and it would have to spend 30% or more of its before-tax income to pay the median rent (including utility costs) of alternative local market housing that meets all three standards: </p> <p> <strong>Acceptable housing</strong> <br> Housing that is adequate in condition, suitable in size, and affordable. </p> <p> <strong>Adequate Housing</strong> <br> Does not require any major repairs, according to residents. Major repairs include those to defective plumbing or electrical wiring, or structural repairs to walls, floors or ceilings. </p> <p> <strong>Suitable </strong> <br> Suitable housing has enough bedrooms for the size and make-up of resident households, according to guidelines outlined in National Occupancy Standard (NOS). For example, enough bedrooms based on NOS means one bedroom for each cohabiting adult couple, one for unattached household member 18 years of age and over and one for each same-sex pair of children under age 18. A household of one individual can occupy a bachelor unit (i.e. a unit with no bedroom). </p> </td> </tr> <tr> <td> <p><strong>Eligible Borrower</strong></p> </td> <td> <p> A Canadian registered business or organization, municipality or Province or Territory with the intent to build or repair housing projects in Canada. </p> </td> </tr> <tr> <td> <p><strong>Emergency Housing (Shelter) </strong></p> </td> <td> <p> Emergency Housing is defined as facilities providing temporary, short-term accommodation for homeless individuals and families. This may or may not include other services such as food, clothing or counselling. Emergency housing is short-term accommodation for people who are homeless or in crisis. </p> <p> Shelters and hostels are two common examples of emergency housing. There may also be smaller religious or community-based organizations that provide emergency housing. </p> </td> </tr> <tr> <td> <p><strong>Gender-Based Analysis+ (GBA+) </strong></p> </td> <td> <p> GBA+ is an analytical process used to assess how diverse groups of women, men and non-binary people experience policies, programs and initiatives. The “plus” acknowledges that GBA+ goes beyond biological (sex) and socio-cultural (gender) differences. It considers many other intersecting identity factors, like race, ethnicity, religion, age, and mental or physical disability. </p> </td> </tr> <tr> <td> <p><strong>Homeless </strong></p> </td> <td> <p> The situation of an individual or family that does not have a permanent address or residence; the living situation of an individual or family who does not have stable, permanent, appropriate housing, or the immediate prospect, means and ability of acquiring it. </p> <p> It is often the result of what are known as systemic or societal barriers, including a lack of affordable and appropriate housing, the individual/household’s financial, mental, cognitive, behavioural or physical challenges, and/or racism and discrimination. </p> </td> </tr> <tr> <td> <p><strong>Homelessness </strong></p> </td> <td> <p> Homelessness describes the situation of an individual, family or community without stable, safe, permanent, appropriate housing, or the immediate prospect, means and ability of acquiring it. It is often the result of what is known as systemic or societal barriers, including a lack of affordable and appropriate housing, the individual/household’s financial, mental, cognitive, behavioural or physical challenges, and/or racism and discrimination. </p> </td> </tr> <tr> <td> <p> <strong>Chronically Homeless/ Chronic Homelessness</strong> </p> </td> <td> <p> Refers to individuals, often with disabling conditions (e.g. chronic physical or mental illness, substance abuse problems), who are currently homeless and have been homeless for six months or more in the past year (i.e. have spent more than 180 cumulative nights in a shelter or place not fit for human habitation). </p> </td> </tr> <tr> <td> <p><strong>Housing Below Standard(s)</strong></p> </td> <td> <p> Refers to housing that falls short of at least one of the adequacy, affordability and suitability housing standards. The total number of households below housing standards will not be the sum of the number below the individual standards since some households are below two or more housing standards. </p> </td> </tr> <tr> <td> <p><strong>Housing Continuum</strong></p> </td> <td> <p> The ‘housing continuum’ is a concept used to describe the broad range of housing options available to help a range of households in different tenures to access affordable and appropriate housing. The concept enables to move away from a one-size-fits-all strategy, towards ‘the range of housing options available to different households on a continuum.’ The housing continuum includes homelessness, shelters and transitional housing, community housing, affordable rental, market rental, and homeownership. </p> </td> </tr> <tr> <td> <p><strong>Independence / Independent living </strong></p> </td> <td> <p> Access to living arrangements and community features for disabled people, individuals with special needs, and/or diverse abilities, seniors and others that provides individuals with as much independence and autonomy as possible at home, work, school or in social and recreational settings. </p> </td> </tr> <tr> <td> <p><strong>Innovation </strong></p> </td> <td> <p> Executing a new problem-solving offering; such as a process, product, service or idea; which addresses a specific challenge and achieves value for both the service provider and those receiving the service. </p> </td> </tr> <tr> <td> <p><strong>Lived Experience / Expertise </strong></p> </td> <td> <p> Expertise and knowledge possessed by those who have had direct, first-hand experience of housing need or homelessness. </p> </td> </tr> <tr id="low-resourced-individuals"> <td> <p><strong>Low-resourced individuals </strong></p> </td> <td> <p> Low-resourced individuals are those experiencing marginalisation or are hard to reach, such as those who are: homeless or near homeless; living with a physical or mental disability; newcomers or English language learners; providing caregiving; lacking access to family and social supports; living with a low income or are financially challenged with limited disposable income, and have limited access to financial resources. </p> </td> </tr> <tr> <td> <p><strong>Mixed Income Housing </strong></p> </td> <td> <p> Mixed-income housing is any type of housing development (rent or owned) that includes a range of income levels among its residents, including low, moderate and/or higher incomes. </p> </td> </tr> <tr> <td> <p><strong>Mixed-Use Development </strong></p> </td> <td> <p> Mixed-use development is the development of land or in a building with two or more different uses, such as residential, office and retail. Mixed‐use can occur vertically within a building, or horizontally on a site. </p> </td> </tr> <tr> <td> <p> <strong>The North – for the purposes of research </strong> </p> </td> <td> <p> For the purposes of NHS research, demonstration and innovation programs, the North can be defined as the three territories and the northern extent of seven provinces. This includes portions of the following provinces defined by Statistics Canada codes: Newfoundland and Labrador (10), Québec (24), Ontario (35), Manitoba (46), Saskatchewan (47), Alberta (48) and British Columbia (59). </p> </td> </tr> <tr> <td> <p> <strong>The North </strong><br> (for the purposes of funding housing) </p> </td> <td> <p> For the purposes of repairing, renewing or building new housing as it relates to NHS funding programs, the North is defined as the territorial governments of Yukon, Northwest Territories and Nunavut. </p> </td> </tr> <tr> <td> <p><strong>On-site Support </strong></p> </td> <td> <p> On-site support refers to services offered to occupants on the premises in order to maintain their optimal level of health and well-being. These services may take a variety of forms and may vary in intensity based on people’s needs. Examples of support services include: case management, counselling, supervision/monitoring, assistance with medication, psychosocial rehabilitation, child care, meal services, personal care, housekeeping, and other forms of support that help people to live independently and remain stably housed. </p> </td> </tr> <tr> <td> <p><strong>Partners/Partnerships</strong></p> </td> <td> <p> Refers to the parties, other than the applicant, who provide monetary or in-kind support to a project. Please refer to the program guidelines available at <a rel="noopener noreferrer" href="http://www.cmhc.ca/nhs" target="_blank"><strong>www.cmhc.ca/nhs</strong></a> for program-specific requirements </p> </td> </tr> <tr> <td> <p><strong>Population Centre</strong></p> </td> <td> <p> According to Statistics Canada, a population centre is defined as an area with a population of at least 1,000 and a density of 400 or more people per square kilometre. </p> </td> </tr> <tr> <td> <p><strong>Program of Research </strong></p> </td> <td> <p> Research over a period of time, on a particular topic or issue that includes multiple research projects, and that is shaped by broad objectives for the advancement of knowledge to a particular area of research. It might be undertaken primarily by one investigator or it could mobilize a team of researchers during a specific period. In pursuit of the overall objectives, specific approaches and methods are advanced, adopted and modified as the research proceeds and as findings are made and reported. </p> </td> </tr> <tr> <td> <p><strong>Proponent </strong></p> </td> <td> <p> An individual or entity who will carry out a project that is funded through NHS programs (See applicant). </p> </td> </tr> </tbody> </table> <br> <table class="responsiveTable stripe cell-border" width="100%" cellspacing="0" cellpadding="0"> <caption> Energy efficiency and related terms </caption> <thead> <tr class="responsiveTable__headerRow"> <th class="width-20">Term</th> <th class="width-80">Definition</th> </tr> </thead> <tbody> <tr> <td> <p><strong>Energy Use or Consumption (Building) </strong></p> </td> <td> <p> The total operational (space conditioning, domestic hot water, lighting, plug loads, appliances and other equipment) energy use of a building – typically over a one year period measured in kilowatt-hours (kWh) or Gigajoules (GJ). </p> <p> In other words, how much energy a building uses/relies on, in order to function at any given time. This would include energy used to provide heat, water, light, electricity, air circulation, air conditioning, etc. </p> </td> </tr> <tr> <td> <p><strong>Energy Use Intensity (Building) </strong></p> </td> <td> <p> EUI is expressed as energy used in a building per square meter per year. It is calculated by dividing the total energy consumed by the building in one year (measured in kWh or GJ) by the total gross floor area of the building. </p> <p> EUI is the way a building’s energy performance is measured (i.e. how well or poor it functions from an energy efficiency point of view). In other words, it is the way to measure how much energy a particular building uses over the course of a year, and measured by dividing that number by how much floor space that building has. This is also measured in (kWh) or (GJ). </p> </td> </tr> <tr> <td> <p><strong>Energy Efficiency </strong></p> </td> <td> <p> Energy efficiency means using energy more effectively, and often refers to some form of change in technology. Energy efficiency measures differences in how much energy is used to provide the same level of comfort, performance or convenience by the same type of product or building. </p> </td> </tr> <tr> <td> <p> <strong>Environmental Efficiency </strong><br> (See Greenhouse Gas) </p> </td> <td> <p> Environmental efficiency in relation to the NHS can be defined as the improvements in the measurement of energy efficiency combined with reductions in greenhouse gas emissions as a result of energy efficiency measures applied to the building. </p> </td> </tr> <tr> <td> <p><strong>Greenhouse gas emissions (housing-related) </strong></p> </td> <td> <p> Gases – primarily carbon dioxide, methane, nitrous oxide and fluorinated gases are emitted by the combustion of fossil fuels such as diesel, oil, or natural gas, to supply heat and electricity to buildings. </p> </td> </tr> <tr> <td> <p> <strong>The <em>National Energy Code of Canada for Buildings 2015</em> (NECB)</strong> </p> </td> <td> <p> The <em>National Energy Code of Canada for Buildings 2015</em> (NECB), sets out the technical requirements for the energy efficient design and construction of new buildings. It is published by the National Research Council Canada (NRC), and developed by the Canadian Commission on Building and Fire Codes in collaboration with Natural Resources Canada (NRCan) and sets out technical requirements for the energy efficient design and construction of new buildings. </p> </td> </tr> <tr> <td> <p><strong>Evidence of Community Need </strong></p> </td> <td> <p> Demonstrating the gap between what a particular community is experiencing, as it relates to lack of (affordable) housing supply, and what it could / should be, in relation to social or affordable housing demand. </p> </td> </tr> <tr> <td> <p><strong>Deep energy retrofit</strong></p> </td> <td> <p> An extensive, holistic overhaul of an existing building’s envelop and systems which lead to significant improvements in the building’s performance through reduced energy consumption and greenhouse gas emissions. Deep energy retrofits (DER) aim to save 50% or more of the energy used on site in a building as compared to its baseline energy usage. These energy savings are typically realized through improvements to the building envelope, including insulation and air sealing, and through upgrades to high-efficiency heating, cooling, and hot water systems. In addition to reduced energy and greenhouse gas emissions, a successful DER provides benefits to building durability, comfort, and indoor air quality (IAQ). </p> </td> </tr> </tbody> </table> <br> <table class="responsiveTable stripe cell-border" width="100%" cellspacing="0" cellpadding="0"> <caption> Financial Terms </caption> <thead> <tr class="responsiveTable__headerRow"> <th class="width-20">Term</th> <th class="width-80">Definition</th> </tr> </thead> <tbody> <tr> <td> <p><strong>Conditional Commitment </strong></p> </td> <td> <p> Funding is earmarked to support the building or repair of units of whose formal project agreement is still subject to final approvals and conditions (letter of intent is signed). </p> </td> </tr> <tr> <td> <p><strong>Financial Commitment </strong></p> </td> <td> <p> formal loan agreement is duly executed and a binding agreement is reached to provide credit under pre-specified terms and conditions (letter of agreement is signed). </p> </td> </tr> <tr> <td> <p><strong>Financial Sustainability </strong></p> </td> <td> <p> Financial sustainability refers to the ability to maintain an organization or project over the long-term- <span style="text-decoration: underline;">see Financial Viability</span>. </p> </td> </tr> <tr> <td> <p><strong>Financial Viability </strong></p> </td> <td> <p> Financial viability is the ability for the building owner or manager to generate sufficient income (from rent, common elements fees, etc.) to meet its operating payments and debt commitments, and saving or future capital needs to maintain the building in good condition. </p> </td> </tr> <tr> <td> <p><strong>Forgivable loan</strong></p> </td> <td> <p> A form of loan that could be <strong><em>forgiven</em></strong>, if you meet program criteria and targets. </p> </td> </tr> <tr> <td> <p><strong>In-Kind Contributions </strong></p> </td> <td> <p> In-kind contributions can be provided by project collaborators, such as other interested parties (i.e. non-profit organizations, private sector), departments or other government bodies (i.e. Municipalities, Provinces and Territories, Indigenous governments and organizations) and involves non-cash asset transactions (e.g. land donation, inclusionary zoning provisions, waived development charges and fees; tax rebates). </p> </td> </tr> <tr> <td> <p><strong>Repayable loan</strong></p> </td> <td> <p> A form of loan that is to be <strong><em>repaid</em></strong> on a monthly basis within a specific time frame. </p> </td> </tr> </tbody> </table> <br> <table class="responsiveTable stripe cell-border" width="100%" cellspacing="0" cellpadding="0"> <caption> Repair and renewal </caption> <thead> <tr class="responsiveTable__headerRow"> <th class="width-20">Term</th> <th class="width-80">Definition</th> </tr> </thead> <tbody> <tr> <td> <p><strong>Repair (Housing) </strong></p> </td> <td> <p> To fix, restore or replace parts of or fix a building (known as “elements”) element to a good or sound condition after decay, damage or failure. Within the context of NHS, “repair” generally applies to the restoration, fixing, and mending of discrete building elements that have failed or are at risk of imminent failure. Repairs can include replacement of the deteriorated or failed element. </p> <p> This form of “repair” does not include regular operations and maintenance (O&M) activities. </p> </td> </tr> <tr> <td> <p><strong>Renewal (Housing) </strong></p> </td> <td> <p> To modernize a building or building systems that have come to the end of their expected service life, in order to improve overall performance, service, amenity, energy efficiency and to better meet current and future needs. </p> <p> Within the context of the NHS, “renewal” generally applies to the substantial or complete renovation and updating of an entire building or housing development, including the building envelope, mechanical, electrical and other building systems and services. </p> </td> </tr> <tr> <td> <p><strong>Good Condition </strong></p> </td> <td> <p> Good condition means that the dwelling is not in need of ‘major repairs’ for it to function and meet the needs of its residents. In other words, the systems or building elements are performing as expected with respect to their intended function. It is acknowledged that a few minor repairs may be required in addition to ongoing maintenance work. Major repairs includes dwellings with defective plumbing or electrical wiring, and dwellings needing structural repairs to walls, roofs, floors or ceilings. </p> </td> </tr> <tr> <td> <p><strong>Useful Life </strong></p> </td> <td> <p> The period over which an asset or resource, such as a part of a building, appliance, instrument, system etc., is expected to be functional or available for use by an entity. It is the estimated or expected time between placing the asset or resource into service and removing it from service. </p> </td> </tr> <tr> <td> <p><strong>Remediation </strong></p> </td> <td> <p> To improve a contaminated site in order to prevent, minimize or mitigate damage to human health or the environment. Remediation involves the development and application of a planned approach that removes, destroys, contains or otherwise reduces the availability of contaminants. </p> </td> </tr> <tr> <td> <p><strong>Remote </strong></p> </td> <td> <p> Remote refers to a community that is either a long distance from larger settlements (population centre) or lacks transportation links that are typical in more populated areas.  </p> </td> </tr> <tr> <td> <p><strong>Rural Area </strong></p> </td> <td> <p> Rural areas include all land lying outside population centres and the people living within those rural areas. </p> </td> </tr> <tr> <td> <p><strong>Scattered Units </strong></p> </td> <td> <p> Scattered units are considered to be existing rental residential units owned by an individual or organization that do not share the same property identification number (i.e. are on separate legal titles). </p> </td> </tr> <tr> <td> <p><strong>Social Inclusion </strong></p> </td> <td> <p> Social inclusion is a process of improving the extent to which people of all backgrounds, demographics, circumstances and income levels have the access, resources and opportunities to fully participate in all aspects of society. Working towards social inclusion means using measures to reduce or eliminate barriers contributing to disadvantage, marginalization or exclusion. </p> <p> Important attributes of housing that support social inclusion include: the affordability of housing; the physical accessibility of housing for persons with disabilities; the location of the housing in proximity to transit, jobs, schools and local amenities such as libraries, social services, child care and health care services; and the mix of incomes in a building or neighbourhood. </p> <p> Other aspects measures that support social inclusion include meaningfully engaging people in the planning, design and operation/management of their housing, ensuring occupants have a sense of privacy and control over their living space, ensuring access to housing is free from discrimination, and provision of, or access to services that support a range of social, cultural, recreational opportunities that encourage participation. <br> </p> </td> </tr> <tr> <td> <p><strong>Special Access Communities </strong></p> </td> <td> <p> A community that lacks transportation links that are typical in more populated areas, that has no year-round road access or which can only be accessed by water or air transportation. These can include one or more of the following: Winter-road, barge, marine, fly-ins, and/or rail access. </p> </td> </tr> <tr> <td> <p><strong> Supportive Housing </strong></p> </td> <td> <p> Supportive housing is housing that provides a physical environment that is specifically designed to be safe, secure, enabling and home-like, with support services such as social services, provision of meals, housekeeping and social and recreational activities, in order to maximize residents’ independence, privacy and dignity. </p> </td> </tr> <tr> <td> <p><strong>Sustainable Housing</strong></p> </td> <td> <p> Housing designed, built and operated using techniques, materials and technologies that result in houses that are highly energy efficient, make efficient use of resources, have low environmental impact, are healthy to live in, are affordable, and produce as much energy as they consume on an annual basis. </p> </td> </tr> <tr> <td> <p><strong>Sustainability </strong></p> </td> <td> <p> Sustainable development means achieving low-carbon, environmentally responsible economic growth, maintaining and restoring our ecosystems, and ensuring Canadians can flourish in clean and healthy environments. </p> </td> </tr> <tr> <td> <p><strong>Transitional Housing </strong></p> </td> <td> <p> Housing that is intended to offer a supportive living environment for its residents, including offering them the experience, tools, knowledge and opportunities for social and skill development to become more independent. It is considered an intermediate step between emergency shelter and supportive housing, and has limits on how long an individual or family can stay. Stays are typically between three months and three years. </p> </td> </tr> <tr> <td> <p><strong>Transit-oriented development or TOD </strong></p> </td> <td> <p> Transit-oriented development, or TOD, is an approach to development that focuses land uses around a transit station (node) or within a transit corridor. Typically, it is characterized by: </p> <ul> <li>A mix of land uses</li> <li>Moderate to high density development</li> <li>Pedestrian orientation/connectivity</li> <li>Transportation choices</li> <li>Reduced parking</li> <li>High quality design</li> </ul> </td> </tr> <tr> <td> <p><strong>Urban (residential) Intensification </strong></p> </td> <td> <p> Urban (residential) intensification (or densification) encourages the development of property, site or area at a higher density than currently exists, through development, redevelopment, infill and expansion or conversion of existing buildings. The form and level of intensification will differ, based on the specific characteristics such as location, history, community strengths and preferences. </p> </td> </tr> <tr> <td> <p> <strong>Universal Design </strong><br> See Accessibility – Accessible Housing </p> </td> <td> <p> Universal design is a set of features, principles and strategies that can be incorporated into the design of a home, so it can be more easily adapted to keep pace with the needs of residents of all ages and abilities. Universally designed houses allow residents to live safely, comfortably and independently in their homes as they age, without any expensive or disruptive renovations. </p> <p> For the purpose of the NHS, Universal Design includes enhanced accessibility, safety and ease-of-use features over and above the minimum accessibility requirements. </p> </td> </tr> <tr> <td> <p><strong>Urban Indigenous Projects </strong></p> </td> <td> <p> Urban Indigenous housing projects are those housing projects located in population centres that are designed, constructed and operated with the urban Indigenous people in mind. <strong>Urban Indigenous</strong> peoples – refers primarily to First Nation, Inuit and Métis individuals currently residing in <strong>urban</strong> areas, outside of reserves for First Nations people (i.e. First Nations living in urban centres/off-reserve). </p> </td> </tr> <tr> <td> <p><strong>Violence against women shelters </strong></p> </td> <td> <p> Defined as facilities providing temporary shelter to single women or women with children fleeing domestic abuse. They may function in either a crisis capacity or as transitional or second-stage housing. </p> </td> </tr> <tr> <td> <p> <strong>Visitability </strong> <br> (See Accessibility, Accessible Housing) </p> </td> <td> <p> “Visitable Housing” or “Visitability” is the concept of designing and building homes with basic accessibility features. Visitable homes provide easy access on the main level for everyone. Visitable housing offers a convenient home for residents and a welcoming environment for visitors of all ages and mobility. Basic features include a level entry, wider doors throughout the entrance level and an accessible washroom on the entrance level as well. </p> </td> </tr> <tr> <td> <p><strong>Vulnerable Groups</strong> (or Equity-Seeking Groups)</p> </td> <td> <p> Persons belonging, or perceived to belong, to groups that are in a disadvantaged position or marginalised are often referred to as vulnerable groups or equity-seeking groups. </p> <p> In the case of the National Housing Strategy, priority groups are currently defined to include survivors (especially women and their children fleeing domestic violence); seniors; Indigenous peoples; people with disabilities; people dealing with mental health and addiction issues; veterans; 2SLGBTQIA+; racialized groups; recent immigrants (including refugees); and people experiencing homelessness. We recognize that people often live with multiple experiences of marginalization and thus an intersectional lens should be applied in discussion of each of these vulnerable groups. </p> </td> </tr> </tbody> </table> <br> <table class="responsiveTable stripe cell-border" width="100%" cellspacing="0" cellpadding="0"> <caption> NHS Priority Groups </caption> <thead> <tr class="responsiveTable__headerRow"> <th class="width-20">Term</th> <th class="width-80">Definition</th> </tr> </thead> <tbody> <tr> <td> <p> <strong>Survivors</strong> (especially Women and their children) fleeing domestic violence </p> </td> <td> <p> Survivors fleeing domestic violence are individuals who leave their home because they fear or have experienced violence within that setting. </p> <p> Domestic violence is often associated with gender-based violence (GBV) which is violence that is committed against someone based on their gender identity, gender expression or perceived gender. </p> </td> </tr> <tr> <td><strong>Seniors</strong></td> <td> <p>Usually the population of individuals aged 65 and over.</p> </td> </tr> <tr> <td><strong>People with developmental disabilities</strong></td> <td> <p> A developmental disability (also called intellectual disability) is characterized as people with significant limitations in both intellectual capacity and adaptive skills (e.g., Down syndrome, fetal alcohol syndrome and autism). </p> </td> </tr> <tr> <td><strong>People with mental health and addiction issues</strong></td> <td> <p> The terms ‘mental illness’ and ‘addiction’ refer to a wide range of disorders that affect mood, thinking and behaviour. Examples include depression, anxiety disorders, schizophrenia, as well as substance use disorders and problem gambling. </p> </td> </tr> <tr> <td><strong>People with physical disabilities</strong></td> <td> <p> Physical disability is the existence of a long–lasting condition that substantially limits one or more basic physical activities such as walking, climbing stairs, reaching, lifting or carrying. This includes sensory disability conditions such as blindness, deafness, or a severe vision or hearing impairment that noticeably affects activities of daily living. </p> </td> </tr> <tr> <td><strong>Racialized Persons</strong></td> <td> <p> Racialized persons and/or groups can have racial meanings attributed to them in ways that negatively impact their social, political, and economic life. This includes but is not necessarily limited to people classified as “visible minorities” under the Canadian census and may include people impacted by antisemitism and Islamophobia. </p> </td> </tr> <tr> <td><strong>Newcomers</strong> (including refugees)</td> <td> <p> Immigrants or refugees who have been in Canada for a short time, usually less than 5 years. </p> </td> </tr> <tr> <td><strong>2SLGBTQIA+ community</strong></td> <td> <p> Lesbian, gay, bisexual, transgender, queer, two-spirit and other gender-non binary individuals. <a href="https://www.canada.ca/en/treasury-board-secretariat/corporate/news/what-does-lgbtq2-mean.html">What does LGBTQ2+ mean?</a> </p> </td> </tr> <tr> <td><strong>Veterans</strong></td> <td> <p> Former members of the Canadian Armed Forces who successfully underwent basic training and were honourably released. </p> </td> </tr> <tr> <td><strong>Indigenous peoples</strong></td> <td> <p> ‘Indigenous Peoples’ is a collective name for the original peoples of North America and their descendants. The Canadian Constitution recognizes three groups of Indigenous peoples (sometimes, still named ‘Aboriginal peoples’): First Nations, Inuit and Métis. These are three distinct peoples with unique histories, languages, cultural practices and spiritual beliefs. 'First Nations people' include Status and non-Status Indians. </p> </td> </tr> <tr> <td> <p><strong>Homeless</strong> (also captured above)</p> </td> <td> <p> The situation of an individual or family that does not have a permanent address or residence; the living situation of an individual or family who does not have stable, permanent, appropriate housing, or the immediate prospect, means and ability of acquiring it. </p> <p> It is often the result of what are known as systemic or societal barriers, including a lack of affordable and appropriate housing, the individual/household’s financial, mental, cognitive, behavioural or physical challenges, and/or racism and discrimination. </p> </td> </tr> <tr> <td> <p><strong>Working poor / housing challenged</strong></p> </td> <td> <p>A person who is considered of the “working poor” is someone who:</p> <ul> <li> has an after-tax income below the poverty line, or Low-income Measure (LIM) for the area in which they live </li> <li>*has earnings of at least $3,000 a year</li> <li>is between the ages of 18 and 64</li> <li>is not a student</li> <li>lives independently</li> </ul> <p> <em>*defines “working” as those individuals with at least $3,000 in employment earnings. This $3,000 income floor is the threshold for recipients of the federal Working Income Tax Benefit (WITB). </em> </p> </td> </tr> </tbody> </table></div> </section> <footer class="clear-fix"> <a href="/nhs/guidepage-strategy/help-and-resources" class="float-left" onclick='dl_Navigation("content","previous - Help and resources");'> <span>Previous</span> Help and resources </a> </footer> </div> </div> </div> </article>  <div class="feedback clear-fix"> <div class="relevant" tabindex="0"> <h2>Was this page relevant to your needs?</h2> <div class="button-panel"> <input type="button" onclick="dl_Relevancefeedback('yes');" value="Yes" class="secondary button-sm relevant-yes"> <input type="button" onclick="handleNoClick();" value="No" class="secondary button-sm relevant-no"> </div> <div class="vertical-line" id="verticalLine"> </div> </div> <div class="relevant-yes hidden"> <p>Thank you for your feedback!</p> </div> <div id="feedback-options" class="relevant-no hidden"> <h3>How Can We Help?</h3> <div class="options row"> <div class="option" onclick="toggleSection('improvement-section', this); focusOnSection('improvement-section');" onkeydown="if (event.key === 'Enter') { toggleSection('improvement-section', this); focusOnSection('improvement-section'); }" tabindex="0"> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/imgs/icon-suggest-improvement.svg?rev=0aceb29d-8ec6-4eda-9516-61315821cc6f" height="100px" width="100px" /> <p>Suggest an Improvement</p> </div> <div class="option" onclick="toggleSection('bug-section', this); focusOnSection('bug-section');" onkeydown="if (event.key === 'Enter') { toggleSection('bug-section', this); focusOnSection('bug-section'); }" tabindex="0"> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/imgs/icon-report-bug.svg?rev=534e792f-920c-45ef-8477-b3187d598d2a" height="100px" width="100px" /> <p>Report a Bug</p> </div> <div class="option" onclick="toggleSection('question-section', this); focusOnSection('question-section');" onkeydown="if (event.key === 'Enter') { toggleSection('question-section', this); focusOnSection('question-section'); }" tabindex="0"> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/imgs/icon-ask-a-question.svg?rev=1164e3f6-184d-4b5d-ab43-e8fc9bb178f6" height="100px" width="100px" /> <p>Ask a Question</p> </div> </div> </div> <div id="improvement-section" class="feedback-section hidden" tabindex="-1"> <h3>How Can We Help?</h3> <div class="feedback-border"> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/imgs/icon-suggest-improvement.svg?rev=0aceb29d-8ec6-4eda-9516-61315821cc6f" height="100px" width="100px" /> <h4 tabindex="0">Suggest an Improvement</h4> <p>Please share your suggestion.</p> <form id="improvement-form"> <textarea id="improvement-text" type="text" name="improvement-section" cols="20" rows="8" tabindex="0"></textarea> <div class="feedback-row"> <div id="google-recaptcha-div"> <div class="g-recaptcha" data-sitekey="6LcufcAUAAAAALhJMglZEwomYwq2emuNR_kjyKnz" data-callback="recapCallback"> </div> <img class="gcaploader" style="display:none" src="/Content/img/loader.gif" alt="Google Captcha Loader" /> <label class="g-recaptcha-err error"> <span style="display:none">Empty Label accessibility fix</span></label> <input type="hidden" name="gcapreq" value="Captcha validation required " /> <input type="hidden" name="gcapvalfailed" value="Captcha validation failed" /> </div> <input type="submit" class="secondary submit-feedback" value="Submit" tabindex="0" /> </div> </form> </div> </div> <div id="bug-section" class="feedback-section hidden" tabindex="-1"> <h3>How Can We Help?</h3> <div class="feedback-border"> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/imgs/icon-report-bug.svg?rev=534e792f-920c-45ef-8477-b3187d598d2a" height="100px" width="100px" /> <h4 tabindex="0">Report a Bug</h4> <p>Please describe the problem.</p> <form id="bug-form"> <textarea id="bug-text" type="text" name="bug-section" cols="20" rows="8"></textarea> <div class="feedback-row"> <div id="google-recaptcha-div"> <div class="g-recaptcha" data-sitekey="6LcufcAUAAAAALhJMglZEwomYwq2emuNR_kjyKnz" data-callback="recapCallback"> </div> <img class="gcaploader" style="display:none" src="/Content/img/loader.gif" alt="Google Captcha Loader" /> <label class="g-recaptcha-err error"> <span style="display:none">Empty Label accessibility fix</span></label> <input type="hidden" name="gcapreq" value="Captcha validation required " /> <input type="hidden" name="gcapvalfailed" value="Captcha validation failed" /> </div> <input type="submit" class="secondary submit-feedback" value="Submit" /> </div> </form> </div> </div> <div id="question-section" class="feedback-section hidden" tabindex="-1"> <h3>How Can We Help?</h3> <div class="feedback-border"> <img class="askaquestionitem" src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/imgs/icon-ask-a-question.svg?rev=1164e3f6-184d-4b5d-ab43-e8fc9bb178f6" height="100px" width="100px" /> <h4 tabindex="0">Ask a Question</h4> <p>Please submit your question.</p> <form id="question-form"> <input id="email-text" type="email" placeholder="Your Email"> <textarea id="question-text" type="text" name="question-section" cols="20" rows="8"></textarea> <div class="feedback-row"> <div id="google-recaptcha-div"> <div class="g-recaptcha" data-sitekey="6LcufcAUAAAAALhJMglZEwomYwq2emuNR_kjyKnz" data-callback="recapCallback"> </div> <img class="gcaploader" style="display:none" src="/Content/img/loader.gif" alt="Google Captcha Loader" /> <label class="g-recaptcha-err error"> <span style="display:none">Empty Label accessibility fix</span></label> <input type="hidden" name="gcapreq" value="Captcha validation required " /> <input type="hidden" name="gcapvalfailed" value="Captcha validation failed" /> </div> <input type="submit" class="secondary submit-feedback" value="Submit" /> </div> </form> </div> </div> <div class="relevant-no-submitted hidden"> <p> Thank you. Your feedback has been submitted. </p> </div> </div>   <div class="date-published"> Date Published: May 17, 2022 </div>  </section> </main>  <footer> <div class="content-full"> <div class="footer-navigation clear-fix">  <div> <h2>By Topic</h2> <ul> <li> <a href="/professionals" class="footer__header" onclick="dl_Navigation('Footer',this.text)" >Professionals</a> <ul> <li><a href="/professionals/project-funding-and-mortgage-financing" onclick="dl_Navigation('Footer',this.text)" >Project funding and mortgage financing</a></li> <li><a href="/professionals/housing-markets-data-and-research" onclick="dl_Navigation('Footer',this.text)" >Housing markets data and research</a></li> <li><a href="/professionals/industry-innovation-and-leadership" onclick="dl_Navigation('Footer',this.text)" >Industry innovation and leadership</a></li> <li><a href="/professionals/events-and-speakers" onclick="dl_Navigation('Footer',this.text)" >Events and speakers</a></li> </ul> </li> <li> <a href="/consumers" class="footer__header footer__header--margin-top" onclick="dl_Navigation('Footer',this.text)" >Consumers</a> <ul> <li><a href="/consumers/home-buying" onclick="dl_Navigation('Footer',this.text)" >Home buying</a></li> <li><a href="/consumers/owning-a-home" onclick="dl_Navigation('Footer',this.text)" >Owning a home</a></li> <li><a href="/consumers/renting-a-home" onclick="dl_Navigation('Footer',this.text)" >Renting a home</a></li> </ul> </li> </ul> </div>  <div> <h2>About Us</h2> <ul> <li> <a href="/about-us/cmhcs-story" onclick="dl_Navigation('Footer',this.text)" >CMHC's Story</a> </li> <li> <a href="/about-us/management-and-governance" onclick="dl_Navigation('Footer',this.text)" >Management and Governance</a> </li> <li> <a href="/professionals/industry-innovation-and-leadership/our-partners" onclick="dl_Navigation('Footer',this.text)" >Our Partners</a> </li> <li> <a href="/about-us/corporate-reporting" onclick="dl_Navigation('Footer',this.text)" >Corporate Reporting</a> </li> <li> <a href="/about-us/contact-us" onclick="dl_Navigation('Footer',this.text)" >Contact Us</a> </li> <li> <a href="/working-at-cmhc" onclick="dl_Navigation('Footer',this.text)" >Careers</a> </li> </ul> </div>  <div> <h2>More</h2> <ul> <li> <a href="/cmhc-enewsletters" onclick="dl_Navigation('Footer',this.text)" >CMHC Newsletters</a> </li> <li> <a href="/library" onclick="dl_Navigation('Footer',this.text)" >CMHC Library</a> </li> <li> <a href="/blog" onclick="dl_Navigation('Footer',this.text)" >Housing Observer</a> </li> <li> <a href="/media-newsroom" onclick="dl_Navigation('Footer',this.text)" >Media Newsroom</a> </li> </ul> </div> <div class="footer-social"> <ul> <li> <a href="https://twitter.com/CMHC_ca" onclick="dl_Navigation('Footer',CMHC on Twitter')" > <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/socialmediaimgs/social-twitter.svg?rev=6f18b864-4420-4850-b24c-5a961279a565" alt="CMHC on Twitter" /> </a> </li> <li> <a href="https://www.linkedin.com/company/canada-mortgage-and-housing-corporation" onclick="dl_Navigation('Footer',CMHC on LinkedIn')" > <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/socialmediaimgs/social-linkedin.svg?rev=516c705b-18c5-474f-8ff8-fc1eb161e805" alt="CMHC on LinkedIn" /> </a> </li> <li> <a href="https://www.facebook.com/cmhc.schl" onclick="dl_Navigation('Footer',CMHC on Facebook')" > <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/socialmediaimgs/social-facebook.svg?rev=84caa20a-b961-4e8e-a059-056e34c49e8d" alt="CMHC on Facebook" /> </a> </li> <li> <a href="https://www.instagram.com/cmhc_schl/" onclick="dl_Navigation('Footer',CMHC on Instagram')" > <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/socialmediaimgs/social-instagram.svg?rev=95739e01-0c94-433f-8e05-0450c9aaa9e2" alt="CMHC on Instagram" /> </a> </li> <li> <a href="https://www.youtube.com/user/CMHCca" onclick="dl_Navigation('Footer',CMHC on YouTube')" > <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/socialmediaimgs/social-youtube.svg?rev=4bd38ce7-c151-4ea4-9888-bf707564ec71" alt="CMHC on YouTube" /> </a> </li> </ul> </div> </div> <div class="footer-bottom"> <div class="footer-smallprint"> <small> <a href="/about-us/privacy-policy" onclick="dl_Navigation('Footer',this.text)" >Privacy Policy</a> <span>   |   </span> <a href="/about-us/terms-conditions" onclick="dl_Navigation('Footer',this.text)" >Terms and Conditions</a> <span>   |   </span> <a href="/about-us/corporate-reporting/transparency" onclick="dl_Navigation('Footer',this.text)" >Transparency</a> <span>   |   </span> <a href="/about-us/corporate-reporting/transparency/accessibility-at-cmhc" onclick="dl_Navigation('Footer',this.text)" >Accessibility Plan</a> <span>   |   </span> <a href="/about-us/corporate-reporting/transparency/accessibility-feedback-process" onclick="dl_Navigation('Footer',this.text)" >Accessibility Feedback</a> <span>     </span> <span>Canada Mortgage and Housing Corporation (CMHC) ©2024 </span> </small> </div> <span id="Canada_logo"> <img src="https://assets.cmhc-schl.gc.ca/sf/project/cmhc/home/csps_canadawordmark_blackred.png?rev=a1e5ca3e-fb57-4c15-85ca-534bc8054395&la=en&h=58&w=240" title="" alt="Canada" /></span> </div> </div> </footer>  </div> <div id="loader" style="display: none; position: fixed; top: 0; left: 0; z-index: 9999; background-color: rgba(0,0,0,0.25); width: 100%; height: 100%;"> <img src="/content/project/cmhc/img/ajax-loader.gif" alt="loader icon" style="position: absolute; left: 50%; top: 50%;" /> </div> <script src="https://assets.cmhc-schl.gc.ca/global/scripts/feature/foundationcomponents/foundation.js?rev=38624e9b-aa0c-4629-a569-c75a13fd6dc2"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/feature/foundationcomponents/init/iconbar.js?rev=65f21f53-398c-44ae-b6c0-b060c6393497"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/feature/foundationcomponents/init/tabs.js?rev=d1345b4c-b63d-4870-a173-8b93b7268b02"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/ga/datalayer.js?rev=5d4b8c2c-6f98-4c40-bf36-5d19f4be875b"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/ga/datalayerfunctions.js?rev=5eb2e2f2-b80c-43e6-86da-e95cf04150c2"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/lib/jquery-ui.js?rev=283ecd59-b94c-41de-ab74-c9ca5674e5da"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/lib/jqueryvalidatemin.js?rev=5571218f-9cbd-442d-b36a-aeda4a4fe844"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/lib/jqueryuitouchpunch.js?rev=4d023821-dd54-4dfb-9b7c-04a7dd1fc658"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/cmhc.js?rev=9b9e9418-614a-4255-a662-0bba094f6859"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/cmhc-custom.js?rev=bc38245c-dfe7-43d0-afe7-a2b4f80f7a2c"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/includes/global-includes.js?rev=0ad4e175-667c-41ac-be2f-28b40fb5ecef"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/includes/cmhc-components.js?rev=7155db3c-0cda-4d3e-a179-e12505a35ebb"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/ia-ux/custom-js.js?rev=838f51ac-831b-4545-95fa-7548ff6d2c6c"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/cmhc/includes/modal/modal-accessible.js?rev=7b0e4374-1c6d-4adb-9845-cd84c5d5ab37"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/shared/includes/responsivetables/responsivetables-core.js?rev=f9050bc3-3a94-463f-8ee1-d901e02c789c"></script><script src="https://assets.cmhc-schl.gc.ca/global/scripts/project/shared/includes/responsivetables/initresponsivetables.js?rev=142c613e-01f3-45bd-ad62-161e6186732f"></script>  <script type="text/javascript"> /*<![CDATA[*/ (function () { var sz = document.createElement("script"); sz.type = "text/javascript"; sz.async = true; sz.src = "//siteimproveanalytics.com/js/siteanalyze_8498.js"; var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(sz, s); })(); /*]]>*/ </script> <script> SF = window.SF || {}; SF.PageID = '{C25554AB-3A45-4A0E-ABA1-286FEC2B81DE}'; $(document).ready(function () { /* Commented below code to fix Accessibility Issue DMND0121822 FR003*/ //$('#label_mbs_Issuer').attr('for', 'mbs_Issuer'); //$('#label_AmortizationPeriod').attr('for', 'mc_AmortizationPeriod'); $('#label_Frequency').attr('for', 'mc_Frequency'); $("#ui-id-1-menu").on('click', function () { if (document.getElementsByClassName("ui-menu-item-wrapper ui-state-active") !== null && document.getElementsByClassName("ui-menu-item-wrapper ui-state-active") !== "" && document.getElementsByClassName("ui-menu-item-wrapper ui-state-active") !== undefined) { if (document.getElementsByClassName("ui-menu-item-wrapper ui-state-active").length > 0) { dl_Navigation('dropdown', document.getElementsByClassName("ui-menu-item-wrapper ui-state-active")[0].innerText); } } }); $("#geo-cities-menu").on('click', function () { var result = $("#geo-cities-button").text(); if (result !== "" && result !== null) { dl_Navigation('dropdown', result); } }); }) </script> </body> </html>

CINXE.COM

The National Housing Strategy Glossary of Common Terms