FINANCING – Barcelona Capital

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We offer several financing programs.

Under our home ownership program, we offer financing at reduced rates for the down payment required when buying a property. By the end of the support period stipulated by the program, this financing allows many families to become homeowners and start earning equity.

Our program is also offered in the province of Alberta’s two largest cities, Calgary and Edmonton.

Today, Barcelona Capital Inc. is known as a leading down payment financing company. Every year—thanks to our unique program—we provide access to home ownership to more families than all other lending companies combined. The guidance portion of the program allows young families to feel confident throughout the home-buying process.

We are constantly innovating and reviewing our methods as well as our programs so that we can continue being a leader in our sector. For example, the home ownership program is constantly being adapted to meet CMHC requirements.

Recognition of the program by the CMHC allows us to offer down payment financing at the promotional rate of 1.99%.

Our promise:

  • No credit checks
  • No employment checks
  • Fast, guaranteed service

Eligibility is easy: 3 little acceptance conditions:

★ Obtain a first mortgage through an accredited mortgage broker.*
★ Complete your transaction through an accredited real estate broker.*
★ Formalize the sale with one of the notaries.*
* accredited by Barcelona Capital Inc.


Conditions for receiving the 1.99% rate

– You must LIKE Barcelona Capital Inc.’s Facebook page
– You must buy a building in a “preferred” sector within the territory covered by the program.


"Many low- and modest-income households cannot obtain a traditional mortgage because they do not have sufficient savings or income to make a down payment. It is possible to help these households by providing them with a down payment loan that will make them eligible for a traditional mortgage loan. The down payment loan must be repaid after a pre-determined period of time, at the end of which the appreciation in the value of the property or the increase in household income should normally allow for refinancing. In the meantime, the loan lowers the income threshold for obtaining a mortgage loan. »

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"You can also finance your down payment from so-called non-traditional sources, which CMHC says include any funds, as long as there is no arm's length relationship with the purchase or sale of the property. They can... come from your own credit, such as a loan, line of credit or credit card. »

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"At Genworth Canada, we understand that it is sometimes difficult to set aside the down payment required for a new home. Genworth Canada's Down Payment Mortgage Insurance Program allows you to start creating equity in your own home without having to save for years."

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