{"id":3104,"date":"2025-05-23T17:08:18","date_gmt":"2025-05-23T21:08:18","guid":{"rendered":"https:\/\/genispec.com\/?p=3104"},"modified":"2026-09-23T10:39:06","modified_gmt":"2026-09-23T14:39:06","slug":"condo-fees-quebec","status":"publish","type":"post","link":"https:\/\/genispec.com\/en\/blog\/condo-fees-quebec\/","title":{"rendered":"Your complete guide to condo fees in Quebec in 2026 : Cost, Calculation and Bill 16"},"content":{"rendered":"[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.27.4&#8243; custom_padding=&#8221;4px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;9px|||||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]\n<p>Buying a condo without understanding how <strong>condo fees in Quebec<\/strong> work is like buying a car without asking about maintenance. It\u2019s not the purchase price that hurts, it\u2019s everything that follows if you didn\u2019t do your homework.<\/p>\n<p>Since the regulation associated with Bill 16 took effect on August 14, 2025, the <a href=\"https:\/\/genispec.com\/en\/building-expert\/building-maintenance-handbook-for-condominiums\/\">building maintenance handbook<\/a> and the <a href=\"https:\/\/genispec.com\/en\/building-expert\/reserve-fund-study\/\">reserve fund study<\/a> have played a central role in the financial planning of divided condominiums.<\/p>\n[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(3,110,140,0.06)&#8221; custom_margin=&#8221;5px|5px|5px|5px|true|true&#8221; custom_padding=&#8221;10px|5px|10px|5px|true|true&#8221; border_radii=&#8221;on|5px|5px|5px|5px&#8221; border_width_all=&#8221;2px&#8221; border_color_all=&#8221;#036e8c&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;]\n<p>&nbsp;<\/p>\n<p style=\"text-align: center; font-size: 1.5em;\"><strong>Key Points &#8211; What to Remember :<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul style=\"text-align: center; list-style-position: inside;\">\n<li style=\"text-align: left;\">Condo fees cover shared building expenses like maintenance, insurance, common expenses, reserve fund, etc.<\/li>\n<li style=\"text-align: left;\">They are calculated from the annual budget and allocated according to each unit\u2019s relative value.<\/li>\n<li style=\"text-align: left;\">Very low fees may indicate deferred maintenance or an underfunded reserve fund.<\/li>\n<li style=\"text-align: left;\">A special assessment may be charged when an expense is not sufficiently funded.<\/li>\n<li style=\"text-align: left;\">Bill 16 requires more rigorous planning for maintenance and major repairs.<\/li>\n<\/ul>\n[\/et_pb_text][et_pb_divider show_divider=&#8221;off&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;15px|||||&#8221; global_colors_info=&#8221;{}&#8221;]\n<h2>What are condo fees?<\/h2>\n<p><strong>Condo fees, also known as <em>condominium fees<\/em> or <em>common expenses<\/em><\/strong>, are mandatory contributions paid by co-owners to the syndicate, usually monthly, to cover shared expenses in a condo building. <strong>These aren\u2019t optional or negotiable<\/strong>. They\u2019re part of your deed and legally binding under Quebec\u2019s civil code.<\/p>\n<p><strong>These costs are not fixed for life<\/strong>. They are based on your unit\u2019s ownership share, typically linked to the square footage and location of your condo. The syndicate of co-ownership sets the budget, and that\u2019s how your individual payment is calculated. All too often, buyers discover after the fact that these fees exceed their monthly budget, or that they\u2019re paying for services they don\u2019t use.<\/p>\n<p><strong>What to Remember :<\/strong><\/p>\n<p>It&#8217;s important to fully understand these fees before making a purchase. Some buyers discover too late that these fees exceed their monthly budget or that they&#8217;re paying for services they rarely use.<\/p>\n<p>&nbsp;<\/p>\n<h2>What do condominium fees cover ?<\/h2>\n<p>It isn\u2019t always obvious to know before purchasing your condo. <strong>Here is what is generally included<\/strong> :<\/p>\n[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;15px|||||&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px; width: 77.4684%;\"><b>Covered items<\/b><\/td>\n<td style=\"border: 1px solid #000000; padding: 8px; width: 22.4051%;\"><b>Included<\/b><\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Cleaning and maintenance of common areas<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Mechanical systems maintenance<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Electricity in hallways, lobbies and garages<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Heating and air conditioning in common areas<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Management, accounting and administration<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Building insurance held by the condominium association<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Contributions to the reserve fund<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Contributions to the self-insurance fund<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Minor repairs<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Snow removal and landscaping<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Waste management and recycling<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #239b49; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Shared telecommunications services<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #f3c623; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Optional<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">24\/7 security<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #f3c623; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Optional<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Concierge services<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #f3c623; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Optional<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Common areas (elevator, pool, etc.)<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #f3c623; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Optional<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Heated parking<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #f3c623; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Optional<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Maintenance of outdoor furnishings (benches, plants, etc.)<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #f3c623; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Optional<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Electric vehicle charging stations<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #f3c623; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> Optional<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000000; padding: 8px;\">Co-owner\u2019s personal condo insurance<\/td>\n<td style=\"border: 1px solid #000000; padding: 8px;\"><span style=\"display: inline-block; width: 16px; height: 16px; background-color: #d63b34; border-radius: 2px; vertical-align: middle;\">\u00a0<\/span> No<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;15px|||||&#8221; global_colors_info=&#8221;{}&#8221;]\n<p>The <strong>reserve fund<\/strong>, often called a contingency fund, finances major repairs and replacement of common areas. The <strong>self-insurance fund<\/strong> covers insurance deductibles and certain losses.<\/p>\n<p>The <strong>syndicate\u2019s building insurance<\/strong> does not replace the co-owner\u2019s personal condo insurance, which must include civil liability coverage.<\/p>\n<p>&nbsp;<\/p>\n<h2>How are condo fees calculated ?<\/h2>\n<p>The calculation of condo fees starts with the <strong>co-ownership\u2019s annual budget<\/strong> and the <strong>share assigned to each unit<\/strong> :<\/p>\n<p>Annual co-ownership budget \u00d7 unit\u2019s share \u00f7 12 = monthly condo fees<\/p>\n<p><b>Exemple <\/b>:<\/p>\n<ul>\n<li aria-level=\"1\">Annual condominium budget : $90,000<\/li>\n<li aria-level=\"1\">Unit\u2019s share : 3%<\/li>\n<li aria-level=\"1\">Annual contribution : $2,700<\/li>\n<li aria-level=\"1\">Monthly condo fees : $225<\/li>\n<\/ul>\n[\/et_pb_text][et_pb_code _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<!-- Genispec condo fee calculator --><!-- [et_pb_line_break_holder] --><\/p>\n<section id=\"genispec-fees-calculator\" class=\"gfc-calculator\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"gfc-container\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<header class=\"gfc-header\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<h2>Calculate your monthly condo fees<\/h2>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <pee><!-- [et_pb_line_break_holder] -->        Enter the annual budget for the condominium association and the share allocated to your unit.<!-- [et_pb_line_break_holder] -->        <!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] -->        <strong>The calculator will estimate your annual contribution and your monthly fees.<\/strong><!-- [et_pb_line_break_holder] -->      <\/pee><!-- [et_pb_line_break_holder] -->    <\/header>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<form id=\"gfc-form\" class=\"gfc-form\" novalidate><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"gfc-fields\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"gfc-field-card\"><!-- [et_pb_line_break_holder] -->          <label for=\"gfc-budget\"><!-- [et_pb_line_break_holder] -->            Annual budget for the condominium<!-- [et_pb_line_break_holder] -->            <span class=\"gfc-label-detail\"><!-- [et_pb_line_break_holder] -->              Including all common expenses and fund contributions<!-- [et_pb_line_break_holder] -->            <\/span><!-- [et_pb_line_break_holder] -->          <\/label><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"gfc-input-wrapper\"><!-- [et_pb_line_break_holder] -->            <input id=\"gfc-budget\" name=\"budget\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"E.g.: 250,000\"><!-- [et_pb_line_break_holder] -->            <span class=\"gfc-input-unit\" aria-hidden=\"true\">$<\/span><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <small><!-- [et_pb_line_break_holder] -->            Enter the condominium association\u2019s total annual budget.<!-- [et_pb_line_break_holder] -->          <\/small><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"gfc-field-card\"><!-- [et_pb_line_break_holder] -->          <label for=\"gfc-share\"><!-- [et_pb_line_break_holder] -->            Unit\u2019s share<!-- [et_pb_line_break_holder] -->            <span class=\"gfc-label-detail\"><!-- [et_pb_line_break_holder] -->              Entered as a percentage<!-- [et_pb_line_break_holder] -->            <\/span><!-- [et_pb_line_break_holder] -->          <\/label><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"gfc-input-wrapper\"><!-- [et_pb_line_break_holder] -->            <input id=\"gfc-share\" name=\"share\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" placeholder=\"E.g.: 2.5\"><!-- [et_pb_line_break_holder] -->            <span class=\"gfc-input-unit\" aria-hidden=\"true\">%<\/span><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <small><!-- [et_pb_line_break_holder] -->            Use the share indicated in the declaration of co-ownership.<!-- [et_pb_line_break_holder] -->          <\/small><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div id=\"gfc-error\" class=\"gfc-error\" role=\"alert\" aria-live=\"polite\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"gfc-actions\"><!-- [et_pb_line_break_holder] -->        <button class=\"gfc-calculate-button\" type=\"submit\"><!-- [et_pb_line_break_holder] -->          Calculate my monthly expenses<!-- [et_pb_line_break_holder] -->        <\/button><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <button id=\"gfc-reset-button\" class=\"gfc-reset-button\" type=\"button\"><!-- [et_pb_line_break_holder] -->          Reset<!-- [et_pb_line_break_holder] -->        <\/button><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/form>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div id=\"gfc-results\" class=\"gfc-results\" aria-live=\"polite\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"gfc-results-header\"><!-- [et_pb_line_break_holder] -->        <span class=\"gfc-results-eyebrow\"><!-- [et_pb_line_break_holder] -->          Your estimated results<!-- [et_pb_line_break_holder] -->        <\/span><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<h3>Your estimated condo fees<\/h3>\n<p><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"gfc-results-grid\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"gfc-result-card\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"gfc-result-label\"><!-- [et_pb_line_break_holder] -->            Estimated annual contribution<!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<div id=\"gfc-annual-result\" class=\"gfc-result-value\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"gfc-result-card gfc-result-card-primary\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"gfc-result-label\"><!-- [et_pb_line_break_holder] -->            Estimated monthly condo fees<!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          <\/p>\n<div id=\"gfc-monthly-result\" class=\"gfc-result-value\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator {<!-- [et_pb_line_break_holder] -->    --gfc-dark: #14241f;<!-- [et_pb_line_break_holder] -->    --gfc-primary: #204e62;<!-- [et_pb_line_break_holder] -->    --gfc-secondary: #668b96;<!-- [et_pb_line_break_holder] -->    --gfc-light: #eef3f5;<!-- [et_pb_line_break_holder] -->    --gfc-border: #d2dde1;<!-- [et_pb_line_break_holder] -->    --gfc-text: #333333;<!-- [et_pb_line_break_holder] -->    --gfc-muted: #6f7578;<!-- [et_pb_line_break_holder] -->    --gfc-white: #ffffff;<!-- [et_pb_line_break_holder] -->    --gfc-error: #b4232f;<!-- [et_pb_line_break_holder] -->    --gfc-error-background: #fff1f2;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    width: 100%;<!-- [et_pb_line_break_holder] -->    max-width: 760px;<!-- [et_pb_line_break_holder] -->    margin: 24px auto;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-text);<!-- [et_pb_line_break_holder] -->    font-family: inherit;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator,<!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator *,<!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator *::before,<!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator *::after {<!-- [et_pb_line_break_holder] -->    box-sizing: border-box;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-container {<!-- [et_pb_line_break_holder] -->    width: 100%;<!-- [et_pb_line_break_holder] -->    padding: 22px;<!-- [et_pb_line_break_holder] -->    background: var(--gfc-white);<!-- [et_pb_line_break_holder] -->    border: 2px solid var(--gfc-primary);<!-- [et_pb_line_break_holder] -->    border-radius: 13px;<!-- [et_pb_line_break_holder] -->    box-shadow: 0 6px 18px rgba(32, 78, 98, 0.07);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-header {<!-- [et_pb_line_break_holder] -->    margin: 0 auto 18px;<!-- [et_pb_line_break_holder] -->    text-align: center;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-header h2 {<!-- [et_pb_line_break_holder] -->    margin: 0 0 8px;<!-- [et_pb_line_break_holder] -->    padding: 0;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-primary);<!-- [et_pb_line_break_holder] -->    font-size: clamp(18px, 3vw, 25px);<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    line-height: 1.2;<!-- [et_pb_line_break_holder] -->    white-space: nowrap;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-header p {<!-- [et_pb_line_break_holder] -->    margin: 0 auto;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-muted);<!-- [et_pb_line_break_holder] -->    font-size: 13px;<!-- [et_pb_line_break_holder] -->    line-height: 1.55;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-header p strong {<!-- [et_pb_line_break_holder] -->    color: var(--gfc-dark);<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-fields {<!-- [et_pb_line_break_holder] -->    display: grid;<!-- [et_pb_line_break_holder] -->    grid-template-columns: repeat(2, minmax(0, 1fr));<!-- [et_pb_line_break_holder] -->    gap: 14px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-field-card {<!-- [et_pb_line_break_holder] -->    padding: 14px;<!-- [et_pb_line_break_holder] -->    background: #f8fafb;<!-- [et_pb_line_break_holder] -->    border: 1px solid var(--gfc-border);<!-- [et_pb_line_break_holder] -->    border-radius: 8px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-field-card label {<!-- [et_pb_line_break_holder] -->    display: block;<!-- [et_pb_line_break_holder] -->    margin-bottom: 9px;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-dark);<!-- [et_pb_line_break_holder] -->    font-size: 14px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    line-height: 1.3;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-label-detail {<!-- [et_pb_line_break_holder] -->    display: block;<!-- [et_pb_line_break_holder] -->    min-height: 32px;<!-- [et_pb_line_break_holder] -->    margin-top: 3px;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-muted);<!-- [et_pb_line_break_holder] -->    font-size: 11px;<!-- [et_pb_line_break_holder] -->    font-weight: 400;<!-- [et_pb_line_break_holder] -->    line-height: 1.35;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-input-wrapper {<!-- [et_pb_line_break_holder] -->    position: relative;<!-- [et_pb_line_break_holder] -->    width: 100%;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-input-wrapper input {<!-- [et_pb_line_break_holder] -->    display: block;<!-- [et_pb_line_break_holder] -->    width: 100%;<!-- [et_pb_line_break_holder] -->    height: 50px;<!-- [et_pb_line_break_holder] -->    margin: 0;<!-- [et_pb_line_break_holder] -->    padding: 8px 45px 8px 12px;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-dark);<!-- [et_pb_line_break_holder] -->    background: var(--gfc-white);<!-- [et_pb_line_break_holder] -->    border: 2px solid #aebdc3;<!-- [et_pb_line_break_holder] -->    border-radius: 6px;<!-- [et_pb_line_break_holder] -->    box-shadow: none;<!-- [et_pb_line_break_holder] -->    font-family: inherit;<!-- [et_pb_line_break_holder] -->    font-size: 19px;<!-- [et_pb_line_break_holder] -->    font-weight: 600;<!-- [et_pb_line_break_holder] -->    line-height: 1;<!-- [et_pb_line_break_holder] -->    text-align: center;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-input-wrapper input::placeholder {<!-- [et_pb_line_break_holder] -->    color: #adb3b6;<!-- [et_pb_line_break_holder] -->    font-size: 13px;<!-- [et_pb_line_break_holder] -->    font-weight: 400;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-input-wrapper input:focus {<!-- [et_pb_line_break_holder] -->    border-color: var(--gfc-primary);<!-- [et_pb_line_break_holder] -->    outline: none;<!-- [et_pb_line_break_holder] -->    box-shadow: 0 0 0 3px rgba(32, 78, 98, 0.12);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-input-unit {<!-- [et_pb_line_break_holder] -->    position: absolute;<!-- [et_pb_line_break_holder] -->    top: 50%;<!-- [et_pb_line_break_holder] -->    right: 14px;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-primary);<!-- [et_pb_line_break_holder] -->    font-size: 19px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    transform: translateY(-50%);<!-- [et_pb_line_break_holder] -->    pointer-events: none;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-field-card small {<!-- [et_pb_line_break_holder] -->    display: block;<!-- [et_pb_line_break_holder] -->    min-height: 31px;<!-- [et_pb_line_break_holder] -->    margin-top: 7px;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-muted);<!-- [et_pb_line_break_holder] -->    font-size: 10px;<!-- [et_pb_line_break_holder] -->    line-height: 1.35;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-error {<!-- [et_pb_line_break_holder] -->    display: none;<!-- [et_pb_line_break_holder] -->    margin-top: 12px;<!-- [et_pb_line_break_holder] -->    padding: 9px 12px;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-error);<!-- [et_pb_line_break_holder] -->    background: var(--gfc-error-background);<!-- [et_pb_line_break_holder] -->    border: 1px solid #e5a9ae;<!-- [et_pb_line_break_holder] -->    border-left: 4px solid var(--gfc-error);<!-- [et_pb_line_break_holder] -->    border-radius: 5px;<!-- [et_pb_line_break_holder] -->    font-size: 12px;<!-- [et_pb_line_break_holder] -->    line-height: 1.4;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-actions {<!-- [et_pb_line_break_holder] -->    display: flex;<!-- [et_pb_line_break_holder] -->    gap: 10px;<!-- [et_pb_line_break_holder] -->    margin-top: 15px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-actions button {<!-- [et_pb_line_break_holder] -->    min-height: 43px;<!-- [et_pb_line_break_holder] -->    margin: 0;<!-- [et_pb_line_break_holder] -->    padding: 9px 17px;<!-- [et_pb_line_break_holder] -->    border-radius: 6px;<!-- [et_pb_line_break_holder] -->    cursor: pointer;<!-- [et_pb_line_break_holder] -->    font-family: inherit;<!-- [et_pb_line_break_holder] -->    font-size: 13px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    line-height: 1.2;<!-- [et_pb_line_break_holder] -->    text-align: center;<!-- [et_pb_line_break_holder] -->    transition:<!-- [et_pb_line_break_holder] -->      background-color 0.2s ease,<!-- [et_pb_line_break_holder] -->      border-color 0.2s ease,<!-- [et_pb_line_break_holder] -->      color 0.2s ease;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-calculate-button {<!-- [et_pb_line_break_holder] -->    flex: 1;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-white);<!-- [et_pb_line_break_holder] -->    background: var(--gfc-primary);<!-- [et_pb_line_break_holder] -->    border: 2px solid var(--gfc-primary);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-calculate-button:hover,<!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-calculate-button:focus {<!-- [et_pb_line_break_holder] -->    color: var(--gfc-white);<!-- [et_pb_line_break_holder] -->    background: var(--gfc-dark);<!-- [et_pb_line_break_holder] -->    border-color: var(--gfc-dark);<!-- [et_pb_line_break_holder] -->    outline: none;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-reset-button {<!-- [et_pb_line_break_holder] -->    color: var(--gfc-primary);<!-- [et_pb_line_break_holder] -->    background: var(--gfc-white);<!-- [et_pb_line_break_holder] -->    border: 2px solid var(--gfc-primary);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-reset-button:hover,<!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-reset-button:focus {<!-- [et_pb_line_break_holder] -->    color: var(--gfc-white);<!-- [et_pb_line_break_holder] -->    background: var(--gfc-secondary);<!-- [et_pb_line_break_holder] -->    border-color: var(--gfc-secondary);<!-- [et_pb_line_break_holder] -->    outline: none;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-results {<!-- [et_pb_line_break_holder] -->    display: none;<!-- [et_pb_line_break_holder] -->    margin-top: 18px;<!-- [et_pb_line_break_holder] -->    padding-top: 17px;<!-- [et_pb_line_break_holder] -->    border-top: 1px solid var(--gfc-border);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-results-header {<!-- [et_pb_line_break_holder] -->    margin-bottom: 12px;<!-- [et_pb_line_break_holder] -->    text-align: center;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-results-eyebrow {<!-- [et_pb_line_break_holder] -->    display: block;<!-- [et_pb_line_break_holder] -->    margin-bottom: 2px;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-secondary);<!-- [et_pb_line_break_holder] -->    font-size: 9px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    letter-spacing: 0.06em;<!-- [et_pb_line_break_holder] -->    text-transform: uppercase;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-results-header h3 {<!-- [et_pb_line_break_holder] -->    margin: 0;<!-- [et_pb_line_break_holder] -->    padding: 0;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-primary);<!-- [et_pb_line_break_holder] -->    font-size: 18px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    line-height: 1.25;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-results-grid {<!-- [et_pb_line_break_holder] -->    display: grid;<!-- [et_pb_line_break_holder] -->    grid-template-columns: repeat(2, minmax(0, 1fr));<!-- [et_pb_line_break_holder] -->    gap: 12px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-result-card {<!-- [et_pb_line_break_holder] -->    display: flex;<!-- [et_pb_line_break_holder] -->    min-height: 100px;<!-- [et_pb_line_break_holder] -->    padding: 15px 12px;<!-- [et_pb_line_break_holder] -->    background: var(--gfc-light);<!-- [et_pb_line_break_holder] -->    border: 1px solid var(--gfc-border);<!-- [et_pb_line_break_holder] -->    border-radius: 8px;<!-- [et_pb_line_break_holder] -->    flex-direction: column;<!-- [et_pb_line_break_holder] -->    align-items: center;<!-- [et_pb_line_break_holder] -->    justify-content: center;<!-- [et_pb_line_break_holder] -->    text-align: center;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-result-label {<!-- [et_pb_line_break_holder] -->    margin-bottom: 6px;<!-- [et_pb_line_break_holder] -->    color: var(--gfc-dark);<!-- [et_pb_line_break_holder] -->    font-size: 12px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    line-height: 1.3;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-result-value {<!-- [et_pb_line_break_holder] -->    color: var(--gfc-primary);<!-- [et_pb_line_break_holder] -->    font-size: 25px;<!-- [et_pb_line_break_holder] -->    font-weight: 700;<!-- [et_pb_line_break_holder] -->    line-height: 1.15;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator .gfc-result-card-primary {<!-- [et_pb_line_break_holder] -->    background: var(--gfc-primary);<!-- [et_pb_line_break_holder] -->    border-color: var(--gfc-primary);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator<!-- [et_pb_line_break_holder] -->    .gfc-result-card-primary<!-- [et_pb_line_break_holder] -->    .gfc-result-label {<!-- [et_pb_line_break_holder] -->    color: var(--gfc-white);<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  #genispec-fees-calculator<!-- [et_pb_line_break_holder] -->    .gfc-result-card-primary<!-- [et_pb_line_break_holder] -->    .gfc-result-value {<!-- [et_pb_line_break_holder] -->    color: var(--gfc-white);<!-- [et_pb_line_break_holder] -->    font-size: 28px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  @media (max-width: 767px) {<!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator {<!-- [et_pb_line_break_holder] -->      max-width: 520px;<!-- [et_pb_line_break_holder] -->      margin: 20px auto;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator .gfc-container {<!-- [et_pb_line_break_holder] -->      padding: 20px 13px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator .gfc-header h2 {<!-- [et_pb_line_break_holder] -->      font-size: clamp(16px, 4.8vw, 22px);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator .gfc-header p {<!-- [et_pb_line_break_holder] -->      font-size: 12px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator .gfc-fields,<!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator .gfc-results-grid {<!-- [et_pb_line_break_holder] -->      grid-template-columns: 1fr;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator .gfc-label-detail,<!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator .gfc-field-card small {<!-- [et_pb_line_break_holder] -->      min-height: 0;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator .gfc-actions {<!-- [et_pb_line_break_holder] -->      flex-direction: column;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    #genispec-fees-calculator .gfc-actions button {<!-- [et_pb_line_break_holder] -->      width: 100%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->  (function () {<!-- [et_pb_line_break_holder] -->    \"use strict\";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    var calculator = document.getElementById(<!-- [et_pb_line_break_holder] -->      \"genispec-fees-calculator\"<!-- [et_pb_line_break_holder] -->    );<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    if (!calculator) {<!-- [et_pb_line_break_holder] -->      return;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    var form = calculator.querySelector(\"#gfc-form\");<!-- [et_pb_line_break_holder] -->    var budgetInput = calculator.querySelector(\"#gfc-budget\");<!-- [et_pb_line_break_holder] -->    var shareInput = calculator.querySelector(\"#gfc-share\");<!-- [et_pb_line_break_holder] -->    var resetButton = calculator.querySelector(<!-- [et_pb_line_break_holder] -->      \"#gfc-reset-button\"<!-- [et_pb_line_break_holder] -->    );<!-- [et_pb_line_break_holder] -->    var errorBox = calculator.querySelector(\"#gfc-error\");<!-- [et_pb_line_break_holder] -->    var resultsBox = calculator.querySelector(\"#gfc-results\");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    var annualResult = calculator.querySelector(<!-- [et_pb_line_break_holder] -->      \"#gfc-annual-result\"<!-- [et_pb_line_break_holder] -->    );<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    var monthlyResult = calculator.querySelector(<!-- [et_pb_line_break_holder] -->      \"#gfc-monthly-result\"<!-- [et_pb_line_break_holder] -->    );<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function parseNumber(value) {<!-- [et_pb_line_break_holder] -->      var cleanedValue = String(value)<!-- [et_pb_line_break_holder] -->        .trim()<!-- [et_pb_line_break_holder] -->        .replace(\/\\s\/g, \"\")<!-- [et_pb_line_break_holder] -->        .replace(\/\\$\/g, \"\")<!-- [et_pb_line_break_holder] -->        .replace(\/%\/g, \"\");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      if (<!-- [et_pb_line_break_holder] -->        cleanedValue.indexOf(\",\") !== -1 &&<!-- [et_pb_line_break_holder] -->        cleanedValue.indexOf(\".\") !== -1<!-- [et_pb_line_break_holder] -->      ) {<!-- [et_pb_line_break_holder] -->        if (<!-- [et_pb_line_break_holder] -->          cleanedValue.lastIndexOf(\".\") ><!-- [et_pb_line_break_holder] -->          cleanedValue.lastIndexOf(\",\")<!-- [et_pb_line_break_holder] -->        ) {<!-- [et_pb_line_break_holder] -->          cleanedValue = cleanedValue.replace(\/,\/g, \"\");<!-- [et_pb_line_break_holder] -->        } else {<!-- [et_pb_line_break_holder] -->          cleanedValue = cleanedValue<!-- [et_pb_line_break_holder] -->            .replace(\/\\.\/g, \"\")<!-- [et_pb_line_break_holder] -->            .replace(\",\", \".\");<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      } else if (cleanedValue.indexOf(\",\") !== -1) {<!-- [et_pb_line_break_holder] -->        var commaParts = cleanedValue.split(\",\");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        if (<!-- [et_pb_line_break_holder] -->          commaParts.length === 2 &&<!-- [et_pb_line_break_holder] -->          commaParts[1].length === 3<!-- [et_pb_line_break_holder] -->        ) {<!-- [et_pb_line_break_holder] -->          cleanedValue = cleanedValue.replace(\",\", \"\");<!-- [et_pb_line_break_holder] -->        } else {<!-- [et_pb_line_break_holder] -->          cleanedValue = cleanedValue.replace(\",\", \".\");<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      return Number(cleanedValue);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function formatCurrency(value) {<!-- [et_pb_line_break_holder] -->      return new Intl.NumberFormat(\"en-CA\", {<!-- [et_pb_line_break_holder] -->        style: \"currency\",<!-- [et_pb_line_break_holder] -->        currency: \"CAD\",<!-- [et_pb_line_break_holder] -->        minimumFractionDigits: 2,<!-- [et_pb_line_break_holder] -->        maximumFractionDigits: 2<!-- [et_pb_line_break_holder] -->      }).format(value);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function showError(message, input) {<!-- [et_pb_line_break_holder] -->      errorBox.textContent = message;<!-- [et_pb_line_break_holder] -->      errorBox.style.display = \"block\";<!-- [et_pb_line_break_holder] -->      resultsBox.style.display = \"none\";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      if (input) {<!-- [et_pb_line_break_holder] -->        input.focus();<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function clearError() {<!-- [et_pb_line_break_holder] -->      errorBox.textContent = \"\";<!-- [et_pb_line_break_holder] -->      errorBox.style.display = \"none\";<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function calculateFees(event) {<!-- [et_pb_line_break_holder] -->      event.preventDefault();<!-- [et_pb_line_break_holder] -->      clearError();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      var annualBudget = parseNumber(<!-- [et_pb_line_break_holder] -->        budgetInput.value<!-- [et_pb_line_break_holder] -->      );<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      var unitShare = parseNumber(<!-- [et_pb_line_break_holder] -->        shareInput.value<!-- [et_pb_line_break_holder] -->      );<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      if (<!-- [et_pb_line_break_holder] -->        !Number.isFinite(annualBudget) ||<!-- [et_pb_line_break_holder] -->        annualBudget <= 0<!-- [et_pb_line_break_holder] -->      ) {<!-- [et_pb_line_break_holder] -->        showError(<!-- [et_pb_line_break_holder] -->          \"Please enter an annual budget greater than 0.\",<!-- [et_pb_line_break_holder] -->          budgetInput<!-- [et_pb_line_break_holder] -->        );<!-- [et_pb_line_break_holder] -->        return;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      if (<!-- [et_pb_line_break_holder] -->        !Number.isFinite(unitShare) ||<!-- [et_pb_line_break_holder] -->        unitShare <= 0 ||<!-- [et_pb_line_break_holder] -->        unitShare > 100<!-- [et_pb_line_break_holder] -->      ) {<!-- [et_pb_line_break_holder] -->        showError(<!-- [et_pb_line_break_holder] -->          \"Please enter a unit share greater than 0% and no more than 100%.\",<!-- [et_pb_line_break_holder] -->          shareInput<!-- [et_pb_line_break_holder] -->        );<!-- [et_pb_line_break_holder] -->        return;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      var annualContribution =<!-- [et_pb_line_break_holder] -->        annualBudget * (unitShare \/ 100);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      var monthlyFees =<!-- [et_pb_line_break_holder] -->        annualContribution \/ 12;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      annualResult.textContent =<!-- [et_pb_line_break_holder] -->        formatCurrency(annualContribution);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      monthlyResult.textContent =<!-- [et_pb_line_break_holder] -->        formatCurrency(monthlyFees);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      resultsBox.style.display = \"block\";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      resultsBox.scrollIntoView({<!-- [et_pb_line_break_holder] -->        behavior: \"smooth\",<!-- [et_pb_line_break_holder] -->        block: \"nearest\"<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function resetCalculator() {<!-- [et_pb_line_break_holder] -->      form.reset();<!-- [et_pb_line_break_holder] -->      clearError();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      annualResult.textContent = \"\";<!-- [et_pb_line_break_holder] -->      monthlyResult.textContent = \"\";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      resultsBox.style.display = \"none\";<!-- [et_pb_line_break_holder] -->      budgetInput.focus();<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    form.addEventListener(\"submit\", calculateFees);<!-- [et_pb_line_break_holder] -->    resetButton.addEventListener(\"click\", resetCalculator);<!-- [et_pb_line_break_holder] -->  })();<!-- [et_pb_line_break_holder] --><\/script>[\/et_pb_code][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;15px|||||&#8221; global_colors_info=&#8221;{}&#8221;]\n<p>Expenses involving common areas for restricted use may be allocated differently. Check the declaration of co-ownership before confirming your share.<\/p>\n<p>&nbsp;<\/p>\n<h2>How much cost condo fees in Quebec ?<\/h2>\n<p>Average condo fees in Quebec often range <a href=\"https:\/\/comapciqca-152af.kxcdn.com\/fsmi-analyse\/2026-03-sous-la-loupe-en.pdf\">from $200 to $400 per month<\/a> for a standard unit. This amount is provided solely as a guideline, since fees vary from one building to another.<\/p>\n<p>To determine whether the fees are appropriate, you need to review the expenses they cover and assess whether the reserve and self-insurance funds are adequately funded.<\/p>\n<h3>Should you be concerned about low condo fees ?<\/h3>\n<p>Very low condo fees may look attractive, but they can signal an underestimated budget, a lack of preventive maintenance or an insufficient reserve fund. These problems may eventually lead to an increase of condo fees, building deterioration or a special assessment.<\/p>\n<h3>What is a special assessment in a condo?<\/h3>\n<p>A special assessment is an extra contribution charged in addition to regular condo fees. It can be used to fund unexpected repairs, a claim, a major expense, or a cash shortfall in the condominium\u2019s funds. It does not always indicate poor management because some events are difficult to anticipate.<\/p>\n<p>&nbsp;<\/p>\n<h2>How does Bill 16 affect condo fees in Quebec ?<\/h2>\n<p>The regulation adopted under Bill 16 took effect on August 14, 2025. It requires divided co-ownership syndicates to <strong>obtain a building maintenance handbook and reserve fund study<\/strong>. Existing co-ownerships have three years and one day from that date to obtain their first documents. The study must then be renewed at least every five years.<\/p>\n<p>For condo fees, the new law may require higher contributions when the contingency fund is underfunded. Review <a href=\"https:\/\/genispec.com\/en\/what-is-bill-16\/\">Genispec\u2019s Bill 16 guide<\/a> and the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/CCQ%2C%20r.%208.01\/20250814?langCont=en\">official regulation on divided co-ownership<\/a>.<\/p>\n[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;15px|||||&#8221; global_colors_info=&#8221;{}&#8221;]\n<p style=\"text-align: center;\"><strong>Does your condominium meet the requirements of Act 16?<\/strong><\/p>\n[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/genispec.com\/en\/contact\/#form&#8221; button_text=&#8221;Contact Genispec&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#036e8c&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; button_icon_color=&#8221;#FFFFFF&#8221; button_on_hover=&#8221;off&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_divider show_divider=&#8221;off&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;]\n<h2>How to optimize or reduce your condominium fees ?<\/h2>\n<p>A well-managed building usually costs less over time. Lowering fees by delaying maintenance can instead cause a larger increase or special assessment later.<\/p>\n<p><strong>Before buying, here are a few key things you should know :<\/strong><\/p>\n<ul>\n<li>Request detailed documents (budgets, board meeting minutes, financial statements)<\/li>\n<li>Ask whether a reserve fund study has been conducted.<\/li>\n<li>Plan preventive maintenance and repairs using the building maintenance handbook.<\/li>\n<li>Verify that the building complies with recent requirements that impose stricter regulations on the maintenance and governance of condominiums in Quebec.<\/li>\n<\/ul>\n<p>Buildings that prioritize transparency and sound governance tend to have more stable fees and fewer financial surprises. When in doubt, compare with other developments that publish clear financial models and reserve fund data.<\/p>\n[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/genispec.com\/en\/contact\/#form&#8221; button_text=&#8221;Get my Free Quote&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#036e8c&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; button_icon_color=&#8221;#FFFFFF&#8221; button_on_hover=&#8221;off&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_divider show_divider=&#8221;off&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;]\n<h2>What happens if you don\u2019t pay condo fees ?<\/h2>\n<p>Failing to pay your condo maintenance fees comes with immediate legal and financial risks. From the very first missed payment, the condo syndicate can apply <strong>late interest charges<\/strong>, issue <strong>formal notices<\/strong>, and if the situation persists, <strong>register a legal claim<\/strong> (hypothec) on your unit. This means you\u2019ll be required to settle all outstanding amounts, including interest, before selling your property. Your credit score could be affected, and in some cases, you may lose your right to vote at co-owners\u2019 meetings.<\/p>\n<p>Beyond personal consequences, your missed payments can <strong>unbalance the building\u2019s shared budge<\/strong>t. Every co-owner contributes to the building\u2019s operations, so any shortfall affects the group. A building struggling with cash flow may delay repairs or underfund its reserve, which eventually impacts everyone, including you.<\/p>\n<p>&nbsp;<\/p>\n<h2>FAQ<\/h2>\n[\/et_pb_text][et_pb_accordion _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; toggle_level=&#8221;h3&#8243; toggle_font_size=&#8221;16px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;What is the difference between common expenses and condo fees ?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]\n<p>There is no practical distinction in this context. \u00ab Condo fees \u00bb is the common expression, while \u201ccommon expenses\u201d is the term used in Quebec\u2019s Civil Code for contributions paid to the syndicate.<\/p>\n[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Are condo fees tax-deductible in Quebec ?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]\n<p>They are generally not tax-deductible for a primary residence. However, if you rent out the condo, a portion of the condominium fees may be tax-deductible, including the costs of maintenance, repairs, and other routine expenses for common areas.<\/p>\n[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Do condo fee include property tax ?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]\n<p>No. Property tax is billed separately by the municipality to each unit owner.<\/p>\n[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What are the average condominium fees in Quebec ?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]\n<p>Average condo fees <strong>range from $200 to $400 per month<\/strong>, but can be higher depending on the amenities (pool, security, elevator) or the age of the building.<\/p>\n[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Who sets condominium fees in a new building ?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]\n<p>The developer initially sets them. They\u2019re often reassessed after the first annual meeting.<\/p>\n[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Do condo maintenance fees increase every year ?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]\n<p>Often, yes. Inflation, insurance hikes, or major repairs push them upward. A healthy reserve fund smooths out these jumps.<\/p>\n[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can I refuse to pay for an amenity I don&#8217;t use ?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]\n<p>Generally, no. Not using a swimming pool or an elevator does not exempt you from the obligation to contribute to the common expenses. This is the fundamental principle of condominium ownership. However, specific rules may apply to common areas with restricted use, depending on the declaration of condominium ownership.<\/p>\n[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Do town houses have condo fees ?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]\n<p>Yes, if they are part of a co-ownership. Some townhouses belong to a condo syndicate and charge fees for shared maintenance, insurance or amenities. A freehold townhouse generally does not have condo fees.<\/p>\n[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What documents should you review before buying a condo ?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]\n<p><strong>Before buying, review :<\/strong><\/p>\n<ul>\n<li>The budget and financial statements.<\/li>\n<li>Board meeting minutes.<\/li>\n<li>The building maintenance handbook.<\/li>\n<li>The latest reserve fund study and fund balance.<\/li>\n<li>The self-insurance fund balance.<\/li>\n<li>Approved or proposed special assessments.<\/li>\n<li>The syndicate\u2019s certificate on the condition of the co-ownership.<\/li>\n<\/ul>\n[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;4px||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_divider color=&#8221;#036e8c&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||4px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_team_member name=&#8221;Genispec&#8221; position=&#8221;Consulting engineering firm based in Qu\u00e9bec&#8221; facebook_url=&#8221;https:\/\/www.facebook.com\/Genispec\/&#8221; linkedin_url=&#8221;https:\/\/www.linkedin.com\/company\/genispec-inspections-inc\/&#8221; icon_color=&#8221;#036e8c&#8221; use_icon_font_size=&#8221;on&#8221; icon_font_size=&#8221;18px&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; position_font=&#8221;|600|||||||&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]\n<p>Genispec is a consulting engineering firm made up of building engineers who are members of the OIQ. We offer specialized services in fa\u00e7ade and underground parking inspections in accordance with Law 122, as well as reserve fund studies and maintenance logs as required by Law 16. We also conduct inspections of commercial, multi-residential, industrial buildings, and condominiums. In addition, we provide building condition certificates and pre-delivery inspections.<\/p>\n<p>All our reports are validated by a qualified engineer. Every article published on our website is reviewed and approved by a qualified member of our team to ensure the technical accuracy of the information.<\/p>\n[\/et_pb_team_member][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Buying a condo without understanding how condo fees in Quebec work is like buying a car without asking about maintenance. It\u2019s not the purchase price that hurts, it\u2019s everything that follows if you didn\u2019t do your homework. Since the regulation associated with Bill 16 took effect on August 14, 2025, the building maintenance handbook and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3103,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[16],"tags":[],"class_list":["post-3104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Condo Fees in Quebec | What buyers need to know in 2026<\/title>\n<meta name=\"description\" content=\"Everything you need to know about condo fees in Quebec in 2026 : budgeting, calculations, dues, tax deductions, and new rules under Bill 16.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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