Strategies · Investment loan
Maximize your finances with investment loans
An investment loan can be used in various ways: invest a significant amount now without affecting your liquidity, benefit from tax advantages, optimize your company's taxation, or multiply the value of your investments. There are three types of investment loan, which can be combined to benefit from the advantages of each.
Explainer video
01 · Key points
- Tax-deductible interest for non-registered investments
- Debt that does not appear on the credit bureau for non-registered investments (iA Financial Group and Manulife)
- Loan with no margin call
- An optimal strategy for real estate investors
- No collateral required (investment loan only)
- No down payment required (investment loan only)
- Lets you keep your savings for other types of investments (investment loan only)
02 · Eligibility criteria
- ·Stable employment / income
- ·A good credit record (640+)
- ·A debt ratio below 40%
- ·Excellent financial health, good risk tolerance and an investment horizon of more than 10 years
- ·Hold at least twice the value of the requested loan in liquid assets (three times in fixed assets; a combination is possible)
⚠ Leverage amplifies both gains and losses. Borrowing to invest involves increased risk: you remain responsible for repaying the loan and interest even if the value of your investments declines. This strategy is not suitable for all investors.
Past performance is not a guarantee of future results. Any strategy presented is for informational purposes; its application depends on each investor's situation, objectives and risk tolerance. No personalized investment advice is provided on this website — every investment decision must be the subject of a personalized analysis by a representative duly registered with the Autorité des marchés financiers (AMF).