In short
This section gathers Payotte's guides on specific real estate situations, often specific to Quebec: buying in undivided co-ownership, land in the agricultural zone or at a tax sale, buying out an ex's share. Each guide says what changes from the general case, cites its official sources and names the professional who solves the problem. Payotte is an independent directory: these guides inform, they do not replace advice from a notary, a lawyer or a broker.
The property
- Buying in undivided or divided co-ownershipQuebec rules
What you really own, the indivision agreement, the 60-day removal right and financing.
- Buying a hobby farm or land in the agricultural zoneQuebec rules
Checking the zone, what requires CPTAQ authorization and when a house is allowed.
- Construction loans and self-buildingQuebec rules
When an RBQ licence is required, the GCR warranty, the loan paid out in draws and the GST rebate.
The person
- Buying out your ex’s share of the houseQuebec rules
Sell, buy out or stay co-owners: what changes with your type of union, refinancing and the welcome tax.
- Getting a mortgage after bankruptcy or a proposal
Discharge timelines, how long it stays on your credit report, the 600 score and how to rebuild.
- Buying with a parent as co-signer or guarantor
Co-borrower, guarantor or down payment gift: what each role commits to, and the solidary surety in Quebec.
The transaction
- Buying a property at a municipal tax saleQuebec rules
Who sells, immediate payment, the one-year 10% redemption right and the risks.
- Buying a condo off-planQuebec rules
The preliminary contract, 10 days to withdraw, the protected deposit and financing that only comes at delivery.
The professionals
Frequently asked questions
What is the difference between divided and undivided co-ownership?
In divided co-ownership (a condo), each owns a private portion and a share of the common portions. In undivided co-ownership, each owns a share of the whole building, with no private portion. The co-ownership guide details the consequences.
Can you build a house in the agricultural zone?
Only in specific cases set out in the law, or with CPTAQ authorization. The agricultural zone guide presents them.
How long does the former owner have to redeem a property sold for taxes?
One year after the sale, by repaying the price with 10% interest per year. The tax sale guide explains the rest.