Eco Programs for Lenders: Unlocking Energy Efficiency

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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=" ">Consumers</a> <ul> <li> <a onclick="dl_Navigation('menu','Buying a home');" href="/consumers/home-buying" class=" ">Buying a home</a> <ul> <li> <a onclick="dl_Navigation('menu','Homebuying calculators');" href="/consumers/home-buying/calculators" class=" ">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 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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');" 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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');" 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<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="/professionals" onclick='dl_CTA("Professionals",this);'>Professionals</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="/professionals/project-funding-and-mortgage-financing" 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Learn more about CMHC products that incentivize and encourage environmentally sustainable and climate-friendly housing.</p> </div> </section> </article>  <div class="cmhc-accordion custom-margin ia-cmhc-accordion "> <div class="accordion-panel" id="a1-p1"> <h2 class=" acc-bgcolor-white acc-border-blue color-blue font-16 font-bold">PREMIUM INFORMATION </h2> <div style="display:none;" class="acc-bgcolor-white acc-border-lightgrey"> <div class="text-component text-clearfix"><p>Learn about mortgage insurance premium costs with our <a href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/premium-information-for-homeowner-and-small-rental-loans">Premium Information for Homeowner and Small Rental Loans</a>.</p></div> </div> </div> <div class="accordion-panel" id="a1-p2"> <h2 class=" acc-bgcolor-white acc-border-blue color-blue font-16 font-bold">ELIGIBILITY REQUIREMENTS FOR ALL PRODUCTS </h2> <div style="display:none;" class="acc-bgcolor-white acc-border-lightgrey"> <div class="text-component text-clearfix"><h3>Eligible borrowers</h3> <p>Individuals who are Canadian citizens, permanent residents of Canada, or non-permanent residents who are legally authorized to work in Canada.</p> <h3 style="padding-top: 1em;">Loan-to-value (LTV) ratios</h3> <p>For homeowner loans (owner-occupied properties), the loan-to-value ratio for 1 – 2 units is up to 95% LTV. For 3 – 4 units, the ratio is up to 90% LTV.</p> <p><strong>For small rental loans </strong> (non-owner occupied), the loan-to-value ratio for 2 – 4 units is up to 80% LTV. </p> <h3 style="padding-top: 1em;">Minimum equity requirements</h3> <p><strong>For homeowner loans</strong>, the <strong>minimum equity requirement </strong> for 1 – 2 units is 5% of the first $500,000 of lending value and 10% of the remainder of the lending value. For 3 – 4 units, the minimum equity requirement is 10%.</p> <p><strong>For small rental loans</strong>, the minimum equity requirement is 20%.</p> <h3 style="padding-top: 1em;">Purchase price / lending value, amortization and location</h3> <p><strong>For both homeowner and small rental loans</strong>, the maximum <strong>purchase price / lending value</strong> or as-improved property value must be below $1,000,000.</p> <p>For <strong>homeowner loans</strong>, CMHC-insured financing is available for one property per borrower/co-borrower at any given time.</p> <p>The maximum <strong>amortization period</strong> is 25 years.</p> <p>The property must be <strong>located</strong> in Canada and must be suitable and available for full-time, year-round occupancy. The property must also have year-round access (via a vehicular bridge or ferry if it is on an island).</p> <h3 style="padding-top: 1em;">Down payments </h3> <p>The down payment can come from sources such as savings, the sale of a property, or a non-repayable financial gift from a relative.</p> <h3 style="padding-top: 1em;">Rental income</h3> <p>Whether the property is owner occupied or non-owner occupied, subject to a mortgage loan insurance application or not, we offer different approaches to <strong>rental income for qualification purposes</strong>.</p> <p><a href="/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/rental-income">Find out more</a> about the approach(es) that can be used to calculate rental income and the inputs to consider when calculating the debt service ratios.</p> <h3 style="padding-top: 1em;">Creditworthiness</h3> <p>At least one borrower (or guarantor) must have a minimum credit score of 600. CMHC may consider alternative methods of establishing creditworthiness for borrowers without a credit history.</p> <h3 style="padding-top: 1em;">Debt service</h3> <p>The maximum threshold is a gross debt service (GDS) ratio of 39% and a total debt service (TDS) ratio of 44%.</p> <h3 style="padding-top: 1em;">Interest rates</h3> <p>The GDS and TDS ratios must be calculated using an interest rate which is the greater of the contract interest rate plus 2 per cent, or 5.25 per cent.</p> <h3 style="padding-top: 1em;">Advancing options </h3> <p><strong>Single advances</strong> include improvement costs less than or equal to 10% of the as-improved value.</p> <p><strong>Progress advances</strong> include new construction financing or improvement costs greater than 10% of the as-improved value. With Full Service, CMHC validates up to 4 consecutive advances at no cost. For Basic Service, the Lender validates advances without pre-approval from CMHC.</p> <h3 style="padding-top: 1em;">Non-permanent residents (homeowner loans only)</h3> <p><strong>Non-permanent residents</strong> must be legally authorized to work in Canada (e.g. work permit). Mortgage loan insurance is available for 1 – 4 unit properties. At least one housing unit must be owner-occupied. The purchase must not be subject to any prohibition under the <em>Prohibition on the Purchase of Residential Property by Non-Canadians Act</em>.</p> <p>In cases where a credit report from a Canadian credit reporting agency is not available, an international credit report, letter of reference from the borrower’s financial institution in their country of origin or alternative methods of establishing creditworthiness may be considered.</p></div> </div> </div> </div> <div class=" section-one"> <div class="text-component text-clearfix"><div style="text-align: center;"> <h2 style="color:#fff; padding: 57px 0px 25px; font-size: 1.75rem; margin: 0;">Help Your Clients Save Money</h2> <p style="color:#fff;">CMHC Eco Products offer a 25% partial premium refund when purchasing, building a home or making energy efficient improvements. Eligible green features include low emissions materials and renewable energy sources.</p> </div>  <div class="responsive-tabs"> <h2 class="tabHeader">CMHC Eco Plus </h2> <div data-tab-value="tab1"> <div class="accordionContainerV2 multiOpen"> <p>Borrowers who buy or build climate-friendly housing using CMHC-insured financing can apply for a 25% partial premium refund.</p> <p><a href="https://assets.cmhc-schl.gc.ca/sites/cmhc/professional/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/energy-efficient-housing-made-more-affordable-with-mortgage-loan-insurance/cmhc-eco-plus-fact-sheet.pdf">Fact Sheet (PDF)</a> <br> <a href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-plus/cmhc-eco-plus-partial-premium-refund-application">Application Form</a></p> <div class="accordionRowContainer"> <h2 id="tab1One" class="accordionSectionHead" data-accordion-value="tab1One1"> ELIGIBILITY REQUIREMENTS </h2> <div class="accordionSubSection"> <p>To be eligible for the partial premium refund, the home must meet one of the 3 following requirements:</p> <div id="DataTables_Table_0_wrapper1" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_0_wrapper2" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_0_wrapper3" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_0_wrapper4" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_0_wrapper5" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_0_wrapper6" class="dataTables_wrapper no-footer"> <table class="responsiveTable stripe cell-border dataTable no-footer dtr-none" style="width: 100%;" id="DataTables_Table_0"> <thead> <tr class="responsiveTable__headerRow"> <th class="width-33 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">Eligible Certificates</th> <th class="width-33 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">Greenhouse Gas (GHG) Emissions*</th> <th class="width-33 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">Energy Consumption*</th> </tr> </thead> <tbody> <tr class="odd"> <td tabindex="0"><strong>Properties awarded an eligible certificate</strong></td> <td>Properties with tonnes/year GHG rating that fall within the top 15% of the housing stock in lowest GHG emissions rating</td> <td>Properties with a gigajoules/year rating of at least 20% lower than “A Typical New House”</td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </div> <p class="note">*Eligibility is assessed using the Natural Resources Canada (NRCan) EnerGuide Rating System.</p> </div> </div>   <div class="accordionRowContainer"> <h2 id="tab1Two" class="accordionSectionHead" data-accordion-value="tab1Two1"> GREENHOUSE GAS THRESHOLDS </h2> <div class="accordionSubSection"> <p>The Heating Degree Day (HDD) zone which the building is located is required. The HDD zone can be determined using <a href="https://fgp-pgf.maps.arcgis.com/apps/webappviewer/index.html?id=1f4a2a144bc1406f9deca7713986ced2">NRCan’s HOT2000 Climate Map</a> as follows: enter the property’s full civic address, retrieve the Annual HDD (in number of degree days) and determine the corresponding HDD zone number (Zones 4 – 8) applicable in Canada. To be within the top 15th percentile threshold, the rated Greenhouse Gas (GHG) emissions on the EnerGuide Label must be equal to or less than the corresponding threshold in the table shown below.</p> <div id="DataTables_Table_1_wrapper1" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_1_wrapper2" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_1_wrapper3" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_1_wrapper4" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_1_wrapper5" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_1_wrapper6" class="dataTables_wrapper no-footer"> <table class="responsiveTable stripe cell-border dataTable no-footer dtr-none" style="width: 100%;" id="DataTables_Table_1"> <caption> GHG (tonnes/year) Top 15th Percentile Thresholds </caption> <thead> <tr class="responsiveTable__headerRow"> <th class="width-12 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">ZONE</th> <th class="width-12 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">HDD RANGE</th> <th class="width-12 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">AB</th> <th class="width-12 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">BC</th> <th class="width-12 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">MB</th> <th class="width-12 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">NB</th> <th class="width-12 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">NL</th> <th class="width-12 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">NS</th> </tr> </thead> <tbody> <tr class="odd"> <td tabindex="0"><strong>Zone 4</strong></td> <td><3000</td> <td></td> <td><= 0.6</td> <td></td> <td></td> <td></td> <td></td> </tr> <tr class="even"> <td tabindex="0"><strong>Zone 5</strong></td> <td>3000-3999</td> <td></td> <td><= 0.3</td> <td></td> <td></td> <td></td> <td><= 13.7</td> </tr> <tr class="odd"> <td tabindex="0"><strong>Zone 6</strong></td> <td>4000-4999</td> <td><= 11.2</td> <td><= 0.4</td> <td></td> <td><= 5.9</td> <td><= 0.9</td> <td><= 13.7</td> </tr> <tr class="even"> <td tabindex="0"><strong>Zone 7A</strong></td> <td>5000-5999</td> <td><= 11.4</td> <td><= 3.2</td> <td><= 3.5</td> <td></td> <td><= 0.5</td> <td></td> </tr> <tr class="odd"> <td tabindex="0"><strong>Zone 7B</strong></td> <td>6000-6999</td> <td><= 12.1</td> <td><= 3.8</td> <td><= 0.1</td> <td></td> <td><= 0.5</td> <td></td> </tr> <tr class="even"> <td tabindex="0"><strong>Zone 8</strong></td> <td>>=7000</td> <td></td> <td></td> <td><= 0.1</td> <td></td> <td><= 1.7</td> <td></td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </div> <div id="DataTables_Table_2_wrapper1" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_2_wrapper2" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_2_wrapper3" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_2_wrappe4r" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_2_wrapper5" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_2_wrapper6" class="dataTables_wrapper no-footer"> <table class="responsiveTable stripe cell-border dataTable no-footer dtr-none" style="width: 100%;" id="DataTables_Table_2"> <thead> <tr class="responsiveTable__headerRow"> <th class="width-11 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">ZONE</th> <th class="width-11 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">HDD RANGE</th> <th class="width-11 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">NT</th> <th class="width-11 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">NU</th> <th class="width-11 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">ON</th> <th class="width-11 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">PE</th> <th class="width-11 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">QC</th> <th class="width-11 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">SK</th> <th class="width-11 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">YT</th> </tr> </thead> <tbody> <tr class="odd"> <td tabindex="0"><strong>Zone 4</strong></td> <td><3000</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr class="even"> <td tabindex="0"><strong>Zone 5</strong></td> <td>3000-3999</td> <td></td> <td></td> <td><= 4</td> <td></td> <td><=0.1</td> <td></td> <td></td> </tr> <tr class="odd"> <td tabindex="0"><strong>Zone 6</strong></td> <td>4000-4999</td> <td></td> <td></td> <td><= 3.8</td> <td><= 7.9</td> <td><=0.1</td> <td><= 11.2</td> <td></td> </tr> <tr class="even"> <td tabindex="0"><strong>Zone 7A</strong></td> <td>5000-5999</td> <td></td> <td></td> <td><= 2.6</td> <td></td> <td><=0.1</td> <td><= 11.2</td> <td></td> </tr> <tr class="odd"> <td tabindex="0"><strong>Zone 7B</strong></td> <td>6000-6999</td> <td><= 8.2</td> <td></td> <td><= 3</td> <td></td> <td><=0.1</td> <td><= 11.5</td> <td><= 2.1</td> </tr> <tr class="even"> <td tabindex="0"><strong>Zone 8</strong></td> <td>>=7000</td> <td><= 8.2</td> <td><= 17.3</td> <td><= 7</td> <td></td> <td><=0.1</td> <td></td> <td><= 1.7</td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </div> <p>Notes:</p> <ol class="note"> <li class="note">Quebec's low GHG thresholds are rounded up to 0.1 tonnes / year.</li> <li class="note">Where no HDD zone exists for that province, no thresholds are provided.</li> <li class="note">No EnerGuide Label issued yet for NS zone 5, NT zone 7B, SK zone 6. For those zones, the threshold is assumed to be same as that of next highest HDD zone.</li> <li class="note">For EnerGuide labels issued before Nov 2020 that apply to AB zone 8, BC zone 8 and NB zone 5, please use thresholds 14.4, 2.8 and 5.8 respectively.</li> </ol> </div> </div>   <div class="accordionRowContainer"> <h2 id="tab1Two2" class="accordionSectionHead ui-accordion-header ui-corner-top ui-accordion-header-collapsed ui-corner-all ui-state-default ui-accordion-icons" data-accordion-value="tab1Two3" role="tab" aria-controls="ui-id-3" aria-selected="false" aria-expanded="false" tabindex="-1"><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span> ELIGIBLE CERTIFICATIONS (INCLUDING INDIVIDUAL RESIDENTIAL CONDO UNITS) </h2> <div class="accordionSubSection ui-accordion-content ui-corner-bottom ui-helper-reset ui-widget-content" id="ui-id-3" aria-labelledby="tab1Two4" role="tabpanel" aria-hidden="true" style="display: none;"> <div id="DataTables_Table_3_wrapper1" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_3_wrapper2" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_3_wrapper3" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_3_wrapper4" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_3_wrapper5" class="dataTables_wrapper no-footer"> <div id="DataTables_Table_3_wrapper6" class="dataTables_wrapper no-footer"> <table class="responsiveTable stripe cell-border dataTable no-footer dtr-none" style="width: 100%;" id="DataTables_Table_3"> <thead> <tr class="responsiveTable__headerRow"> <th class="width-25 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">Organization</th> <th class="width-25 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">Version</th> <th class="width-25 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">Level(s)</th> <th class="width-25 sorting_disabled" rowspan="1" colspan="1" style="width: 0px;">Certification Name</th> </tr> </thead> <tbody> <tr class="odd"> <td tabindex="0"><strong>BC Energy Step Code</strong></td> <td>N/A</td> <td>Step 2<br> Step 3<br> Step 4</td> <td>Part 3</td> </tr> <tr class="even"> <td tabindex="0"><strong>BC Energy Step Code</strong></td> <td>N/A</td> <td>Step 3<br> Step 4<br> Step 5</td> <td>Part 9 – Detached Homes</td> </tr> <tr class="odd"> <td tabindex="0"><strong>Built Green Canada</strong></td> <td>2019-2021</td> <td>Gold<br> Platinum</td> <td>Built Green High Density</td> </tr> <tr class="even"> <td tabindex="0"><strong>Built Green Canada</strong></td> <td>2019-2021</td> <td>Gold<br> Platinum</td> <td>Built Green Single Family</td> </tr> <tr class="odd"> <td tabindex="0"><strong>Canada Green Building Council (CAGBC)</strong></td> <td>2009</td> <td>Gold<br> Platinum</td> <td>LEED Canada for Homes</td> </tr> <tr class="even"> <td tabindex="0"><strong>CAGBC</strong></td> <td>v.4</td> <td>Gold<br> Platinum</td> <td>LEED Building Design and Construction: Homes and Multi-Family Low-Rise</td> </tr> <tr class="odd"> <td tabindex="0"><strong>CAGBC</strong></td> <td>v.4.1</td> <td>Gold<br> Platinum</td> <td>LEED Building Design and Construction: Residential Single Family</td> </tr> <tr class="even"> <td tabindex="0"><strong>CAGBC</strong></td> <td>v1 Design</td> <td>N/A</td> <td>Zero Carbon Building Standard</td> </tr> <tr class="odd"> <td tabindex="0"><strong>CAGBC</strong></td> <td>v2 Design</td> <td>Flexible<br> Passive<br> Renewable</td> <td>Zero Carbon Building Standard</td> </tr> <tr class="even"> <td tabindex="0"><strong>Canadian Home Builders Association (CHBA)</strong></td> <td>N/A</td> <td>Certified</td> <td>Qualified CHBA Net Zero Energy</td> </tr> <tr class="odd"> <td tabindex="0"><strong>CHBA</strong></td> <td>N/A</td> <td>Certified</td> <td>Qualified CHBA Net Zero Energy Ready</td> </tr> <tr class="even"> <td tabindex="0"><strong>Efficiency Manitoba</strong></td> <td>N/A</td> <td>20% to 90% + improvement</td> <td>New Homes Standard</td> </tr> <tr class="odd"> <td tabindex="0"><strong>Natural Resources Canada (NRCan)</strong></td> <td>2012</td> <td>N/A</td> <td>R-2000</td> </tr> <tr class="even"> <td tabindex="0"><strong>NRCan</strong></td> <td>New Homes Standard version 12.6+</td> <td>Certified</td> <td>ENERGY STAR</td> </tr> <tr class="odd"> <td tabindex="0"><strong>NRCan</strong></td> <td>Pilot</td> <td>Certified</td> <td>ENERGY STAR Multi-Family High-Rise (New Construction)</td> </tr> <tr class="even"> <td tabindex="0"><strong>Ministère de l’Énergie et des Ressources naturelles du Québec</strong></td> <td>N/A</td> <td>Homologué</td> <td>Novoclimat for Homes</td> </tr> <tr class="odd"> <td tabindex="0"><strong>Ministère de l’Énergie et des Ressources naturelles du Québec</strong></td> <td>N/A</td> <td>Homologué</td> <td>Novoclimat for Small Multiple-Unit Buildings</td> </tr> <tr class="even"> <td tabindex="0"><strong>Ministère de l’Énergie et des Ressources naturelles du Québec</strong></td> <td>N/A</td> <td>Homologué</td> <td>Novoclimat for Big Multiple Unit Buildings</td> </tr> <tr class="odd"> <td tabindex="0"><strong>Passive House Canada</strong></td> <td>9</td> <td>Classic<br> Plus<br> Premium</td> <td>Certified Passive House</td> </tr> <tr class="even"> <td tabindex="0"><strong>Passive House Canada</strong></td> <td>9</td> <td>Classic<br> Plus<br> Premium</td> <td>EnerPHit Certified Retrofit</td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </div> </div> </div>   <div class="accordionRowContainer"> <h2 id="tab1Two5" class="accordionSectionHead ui-accordion-header ui-corner-top ui-accordion-header-collapsed ui-corner-all ui-state-default ui-accordion-icons" data-accordion-value="tab1Two6" role="tab" aria-controls="ui-id-4" aria-selected="false" aria-expanded="false" tabindex="-1"><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span> OTHER RESOURCES </h2> <div class="accordionSubSection ui-accordion-content ui-corner-bottom ui-helper-reset ui-widget-content" id="ui-id-4" aria-labelledby="tab1Two7" role="tabpanel" aria-hidden="true" style="display: none;"> <p>The Job Aid is provided by CMHC for convenience and should only be used as a reference tool.</p> <p>CMHC makes no representation or warranty of any kind, express or implied, about the accuracy, reliability, completeness of the Job Aid or the results to be obtained from its use. CMHC assumes no responsibility for any errors or omissions within the Job Aid. </p> <p>Under no circumstances shall CMHC be held liable for any loss or damage (including any type of damage), which may be attributable to the reliance on and use of the Job Aid. The Job Aid is not intended to provide specific advice or recommendations in any circumstances and does not represent a commitment by CMHC to approve or qualify an application under its programs.</p> <p>CMHC does not retain any of the data entered in the Job Aid, all data remains on the user's computer.</p> <ul style="list-style-type: disc; margin-left: 50px;"> <li><a href="https://assets.cmhc-schl.gc.ca/sites/cmhc/professional/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/energy-efficient-housing-made-more-affordable-with-mortgage-loan-insurance/job-aid-green-certificates-and-labels.pdf?rev=d86b9711-3f98-4911-b6ed-1fb4220fd473">Job Aid: Green Certificates and Labels (PDF)</a></li> <li><a href="https://assets.cmhc-schl.gc.ca/sites/cmhc/professional/project-funding-and-mortgage-financing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/energy-efficient-housing-made-more-affordable-with-mortgage-loan-insurance/form-20-e-green-certificates-and-labels-calculator.xlsx?rev=977b00b2-1061-4419-9530-240428993dfd">Green Certificates and Labels Calculator (XLSX)</a></li> </ul> </div> </div>  </div> </div>  <h2 class="tabHeader">CMHC Eco Improvement </h2> <div class="tabPanel" data-tab-value="tab2"> <div class="accordionContainerV2 multiOpen"> <p>Eco Improvement offers a 25% partial premium refund to borrowers who buy existing homes and make energy efficient improvements.</p> <p><a href="https://assets.cmhc-schl.gc.ca/sites/cmhc/consumers/home-buying/eco-programs/eco-improvement-fact-sheet-en.pdf?rev=85338691-d461-4b25-b3ed-8f51296412ed">Fact Sheet (PDF)</a> <br> <a href="/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-plus/cmhc-eco-plus-partial-premium-refund-application">Application Form</a></p> <div class="accordionRowContainer"> <h2 id="tab2One" class="accordionSectionHead ui-accordion-header ui-corner-top ui-accordion-header-collapsed ui-corner-all ui-state-default ui-accordion-icons" data-accordion-value="tab2One" role="tab" aria-controls="ui-id-5" aria-selected="false" aria-expanded="false" tabindex="0"><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span><span class="ui-accordion-header-icon ui-icon ui-icon-triangle-1-e"></span> ELIGIBILITY REQUIREMENTS </h2> <div class="accordionSubSection ui-accordion-content ui-corner-bottom ui-helper-reset ui-widget-content" id="ui-id-5" aria-labelledby="tab2One" role="tabpanel" aria-hidden="true" style="display: none;"> <p>To be eligible for the premium refund*, an existing home must meet the following requirements:</p> <table class="responsiveTable stripe cell-border dataTable" style="width:100%;" id="DataTables_Table_4"> <tbody> <tr class="responsiveTable__headerRow"> <td rowspan="2"><strong>Existing housing, including individual residential condominium units in low-rise buildings</strong></td> <td> An existing home is eligible if a minimum of $20,000 of intended improvement budget is allocated for energy efficiency improvements that fall within any of the following 3 main categories: <ul style="list-style-type: disc; color:#222;"> <li style="color:#222222;">Building Envelope (e.g., insulation, windows, doors, roof, attic, air tightness and foundation)</li> <li style="color:#222222;">Mechanical Systems (e.g., HVAC - Heating Ventilation and Air Conditioning, heat pump systems)</li> <li style="color:#222222;">Renewable Energy Systems (e.g., solar, wind, geothermal)</li> </ul> </td> </tr> <tr> <td>*The partial Premium refund represents a percentage of the Premium paid for the existing CMHC-insured loan. If additional CMHC-insured financing is obtained under the Portability feature, the Premium discount or partial Premium refund is based only on the Increase to Loan Amount.</td> </tr> </tbody> </table> <h4>Supporting Documentation</h4> <p>Documentation to support the verification of the eligibility criteria need to be provided:</p> <ul style="list-style-type: disc; margin-left: 50px;"> <li>paid invoices confirming completed measures and amount spent</li> <li>EnerGuide Renovation Upgrade Report and EnerGuide Label (if available)</li> </ul> </div> </div>   </div> </div>  </div></div> </div> <div class=" section-two"> <div class="text-component text-clearfix"><div class="contact"> <div class="img"> <img src="https://assets.cmhc-schl.gc.ca/sites/cmhc/shared/images/icons/get-in-touch-with-your-cmhc-specialist-svg.svg" width="90" height="90" alt="Client relations representative."> </div> <div class="text"> <h2>Still have questions about CMHC Eco Products for lenders?</h2> <p>Contact your Regional Manager, Client Relations or call our Underwriting Centre team at 1-888 GO emili (<a href="tel:18884636454">1-888-463-6454</a>).</p> </div> </div></div> </div> <div class="cmhc-accordion custom-margin ia-cmhc-accordion "> <div class="accordion-panel" id="a2-p3"> <h2 class=" acc-bgcolor-white acc-border-blue color-blue font-16 font-bold">DISCLAIMER </h2> <div style="display:none;" class="acc-bgcolor-white acc-border-lightgrey"> <div class="text-component text-clearfix"><p>This material is a quick reference tool for CMHC’s common Mortgage Loan Insurance. Additional conditions may apply.</p> <p>This information is subject to change at any time. 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