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CMHC mortgages registered prior to July 1999 - during the first three years,
the penalty is the greater of 3 months interest OR interest rate differential.
After three years of payments made on a 4 or 5 year term (or longer) the
penalty is three months interest.
CMHC mortgages registered after July
1999 - CMHC mortgages will now have the same penalty clause as the institution
lending you the mortgage funds.
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