A proposal for the Government of Québec
What if $5,000 was sufficient to buy your first condo in Québec?
A province-wide shared-equity proposal designed to help first-time buyers.
Backed by real estate analysis
Aligned with existing PST mechanics
No provincial guarantee required
01 — The proposal
How it works
Choose your condo
Qualifying new-construction condo projects.
$5,000 deposit payment
Quebec covers the additional 10%
Your required equity. Loan/Credit at 0% interest.
Finance the balance
A bank institution or conventional mortgage
Repay later 10% loan
Prior to 10 years at sale or after 10 years at refinance.
$315,000 loft
$5,000 down. That’s it.
02 — Cost model
This isn’t a subsidy. It’s a repayable, self‑funding loan/credit.
PST paid at construction by developer
PST credit at deed of sale
Buyer credit secured on title
01 · Credit tied to tax already collected
02 · Registered lien, repaid in full
03 · Province shares in appreciation
04 · Conventional bank carries mortgage risk
03 — FAQ
Clear answers to your questions
Understand how the proposed program works, how it compares to existing initiatives, and what it could mean for future homeowners.
Is this a real government program?
No — this is a proposal submitted to the Ministère des Affaires municipales et de l’Habitation (MAMH) and Société d’habitation du Québec (SHQ). This site exists to show the government there is public demand for it.
How is this different from existing programs (like the federal First-Time Home Buyer Incentive)?
There isn’t a directly comparable active program to compare AHQ to. The federal government’s own shared-equity loan program — the First-Time Home Buyer Incentive, which offered a 5–10% CMHC shared-equity loan — was discontinued in March 2024, with existing loans remaining in effect but no new applications accepted. What’s replaced it federally is different in kind: mainly savings/tax tools rather than a purchase credit — the FHSA (a tax-advantaged savings account), the RRSP Home Buyers’ Plan, a small Home Buyers’ Tax Credit, and a new First-Time Buyer GST/HST rebate that fully eliminates GST on new homes up to $1 million. None of these put money toward the down payment itself the way AHQ’s 10% credit does — they reduce taxes or let buyers access their own savings, but they don’t close the down-payment gap directly. AHQ is designed specifically to solve that gap: it’s shared equity, applied at time of purchase, sized to the price of the home.
What happens if my home's value goes down?
You still repay the original 10% credit, but you never owe more than what you borrowed — you don’t repay a share of a loss.
Do I have to sell within 10 years?
No, but if you haven’t sold or refinanced by year 10, you’re required to refinance and repay the 10% credit at that point.
What kinds of homes qualify?
New-construction condos from accredited developers, meeting minimum size and maximum price caps (by unit type), and 25% better energy performance than baseline code.
Who is behind this proposal?
Scalia Properties Inc., a Québec-based real estate developer specializing in multi-family and mixed-use housing.
Isn't there already government help for this?
Won’t AHQ overlap with existing programs? Not really — and this is an important distinction. Québec’s existing GST/QST New Housing Rebate gives new-home buyers back some of the sales tax they paid, but it maxes out at $9,975 and only applies to homes priced under $300,000 — it phases out completely at $300,000 and pays $0 above that. Given today’s prices, most homes eligible for AHQ (which caps out between $315,000 and $700,000 depending on unit type) wouldn’t qualify for that existing rebate at all. AHQ is a separate, much larger 10% purchase credit aimed at exactly the price range the current programs don’t reach.
What can I actually do about it?
Answer the 6 questions below. Your answers — anonymized and aggregated by region — will be presented directly to MAMH and SHQ as evidence of public demand.
04 — Tell Us What You Think
Your input will help us discuss your needs with Quebec’s government
We’re building credible, structured demand data. Individual answers stay private; aggregated results may be shared publicly and with government officials.
Thank you.
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