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If you live in Canada and are interested in purchasing a home, you will need to plug in a few numbers in order to determine how much your mortgage payments will be. If you are interested in purchasing a home for 50,000.00 Canadian dollars and are interested in taking out a loan for $40,000.00 at a 5.000% interest rate for 30 years, you will be required to put down a $12,500.00 down payment (required down payment is 25% of house list price for homes with prices below $400,000 and 35% if property costs more that that value). This means your monthly payment (principal and interest only) will be $213.48. Your total payments will be $76,850.58 for the life of the loan. This means you will pay $36,851.46 in interest.
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