{"id":2641,"date":"2023-06-21T14:46:00","date_gmt":"2023-06-21T18:46:00","guid":{"rendered":"http:\/\/ceba.ca\/?page_id=2641"},"modified":"2024-04-01T16:44:23","modified_gmt":"2024-04-01T20:44:23","slug":"repayment-calculator","status":"publish","type":"page","link":"http:\/\/ceba.ca\/fr\/repayment-calculator\/","title":{"rendered":"Calculateur de remboursement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2641\" class=\"elementor elementor-2641\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf0558 e-flex e-con-boxed e-con e-parent\" data-id=\"8bf0558\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0fde34 elementor-widget elementor-widget-heading\" data-id=\"d0fde34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">CEBA Loan Repayment Calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-269e7f1 elementor-widget elementor-widget-text-editor\" data-id=\"269e7f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This handy calculator lets you compare CEBA repayment strategies, helping you figure out what could work best for you. Most of the time refinancing your CEBA loan makes the most sense.\u00a0 <a href=\"https:\/\/ceba.ca\/refinance\/\">Compare the best lenders in Canada to get the financing that works for you<\/a>.<\/p><p>We do suggest you have a chat with your bank or credit union. They know your circumstances well and can provide you with some tailored advice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-885bb90 e-flex e-con-boxed e-con e-parent\" data-id=\"885bb90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-05e2689 e-con-full e-flex e-con e-child\" data-id=\"05e2689\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d46c375 elementor-widget elementor-widget-jet-headline\" data-id=\"d46c375\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"jet-headline jet-headline--direction-horizontal\"><span class=\"jet-headline__part jet-headline__first\"><span class=\"jet-headline__deco jet-headline__deco-icon\"><i aria-hidden=\"true\" class=\"far fa-check-square\"><\/i><\/span><span class=\"jet-headline__label\">STEP 1<\/span><\/span><span class=\"jet-headline__space\">&nbsp;<\/span><span class=\"jet-headline__part jet-headline__second\"><span class=\"jet-headline__label\">Enter the amount of CEBA received, how much you have paid to date, and when you want to start repaying the loan<\/span><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9585921 e-con-full e-flex e-con e-child\" data-id=\"9585921\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31dd031 elementor-widget elementor-widget-jet-headline\" data-id=\"31dd031\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"jet-headline jet-headline--direction-horizontal\"><span class=\"jet-headline__part jet-headline__first\"><span class=\"jet-headline__deco jet-headline__deco-icon\"><i aria-hidden=\"true\" class=\"far fa-check-square\"><\/i><\/span><span class=\"jet-headline__label\">STEP 2<\/span><\/span><span class=\"jet-headline__space\">&nbsp;<\/span><span class=\"jet-headline__part jet-headline__second\"><span class=\"jet-headline__label\"><p style=\"text-align: center;\">Select the business risk:<\/p>\n<p style=\"text-align: center;\">Low = I usually qualify for bank financing.&nbsp;<\/p>\n<p style=\"text-align: center;\">Med = I usually qualify for alternative lender financing. &nbsp;<\/p>\n<p style=\"text-align: center;\">High = I rarely qualify for financing from any lender<\/p><\/span><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-310b782 e-con-full e-flex e-con e-child\" data-id=\"310b782\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98f7380 elementor-widget elementor-widget-jet-headline\" data-id=\"98f7380\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"jet-headline jet-headline--direction-horizontal\"><span class=\"jet-headline__part jet-headline__first\"><span class=\"jet-headline__deco jet-headline__deco-icon\"><i aria-hidden=\"true\" class=\"far fa-check-square\"><\/i><\/span><span class=\"jet-headline__label\">STEP 3<\/span><\/span><span class=\"jet-headline__space\">&nbsp;<\/span><span class=\"jet-headline__part jet-headline__second\"><span class=\"jet-headline__label\">Select the first repayment option and then the second repayment option to compare them<\/span><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6e4129 e-con-full e-flex e-con e-child\" data-id=\"f6e4129\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d76fbea elementor-widget elementor-widget-jet-headline\" data-id=\"d76fbea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"jet-headline jet-headline--direction-horizontal\"><span class=\"jet-headline__part jet-headline__first\"><span class=\"jet-headline__deco jet-headline__deco-icon\"><i aria-hidden=\"true\" class=\"far fa-check-square\"><\/i><\/span><span class=\"jet-headline__label\">STEP 4<\/span><\/span><span class=\"jet-headline__space\">&nbsp;<\/span><span class=\"jet-headline__part jet-headline__second\"><span class=\"jet-headline__label\"><p>Click <strong>SUBMIT<\/strong><\/p><\/span><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b7be12 e-flex e-con-boxed e-con e-parent\" data-id=\"5b7be12\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddf3b41 elementor-widget elementor-widget-shortcode\" data-id=\"ddf3b41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t<div class=\"calculator\" calculator-id=\"none\" shortcode-base-url=\"http:\/\/ceba.ca\/wp-content\/repaymentcalculator\/\">\n\r\n        <div id=\"waiting\" class=\"chart-loading text-center\">\r\n          <i class=\"fa fa-spinner fa-pulse fa-lg\"><\/i>\r\n        <\/div>\r\n        <script type=\"text\/html\" id=\"calculator-loading\">\r\n          <div class=\"chart-loading text-center\">\r\n            <i class=\"fa fa-spinner fa-pulse fa-lg\"><\/i>\r\n          <\/div>\r\n        <\/script>\r\n        <script type=\"text\/html\" id=\"calculator-error\">\r\n          <!-- ko if: !$parent.valid() && !selected -->\r\n          <div class=\"calculator-error\">\r\n            <p data-bind=\"text: message\"><\/p>\r\n          <\/div>\r\n          <!-- \/ko -->\r\n        <\/script>\r\n        <script type=\"text\/html\" id=\"calculator\">\r\n          <div class=\"calculator-top\">\r\n            <div class=\"calculator-wrapper\">\r\n              <div class=\"calculator-wrapper-form\">\r\n                <div class=\"calculator-row\">\r\n                  <div class=\"calculator-col-label\">\r\n                    <span>CEBA Amount<\/span>\r\n                  <\/div>\r\n                  <div class=\"calculator-col-options\">\r\n                    <select\r\n                      class=\"calculator-select\"\r\n                      data-bind=\"options: amounts, value: selectedAmount,  optionsText: 'name', optionsCaption: 'Choose...'\"\r\n                    ><\/select>\r\n                    <!-- ko template: { name: 'calculator-error',  data: { message: 'CEBA Amount is required.', selected: selectedAmount() ? true: false }}--><!-- \/ko -->\r\n                  <\/div>\r\n                <\/div>\r\n                <div class=\"calculator-row\">\r\n                  <div class=\"calculator-col-label\">\r\n                    <span>Month to start Repaying<\/span>\r\n                  <\/div>\r\n                  <div class=\"calculator-col-options\">\r\n                    <select\r\n                      class=\"calculator-select\"\r\n                      data-bind=\"options: monthStartList, value: selectedMonthStart,  optionsText: 'name', optionsCaption: 'Choose...'\"\r\n                    ><\/select>\r\n                    <!-- ko template: { name: 'calculator-error',  data: { message: 'Month to start Repaying is required.', selected: selectedMonthStart() ? true: false }}--><!-- \/ko -->\r\n                  <\/div>\r\n                <\/div>\r\n                <div class=\"calculator-row\">\r\n                  <div class=\"calculator-col-label\">\r\n                    <span>Business Risk<\/span>\r\n                  <\/div>\r\n                  <div class=\"calculator-col-options\">\r\n                    <select\r\n                      class=\"calculator-select\"\r\n                      data-bind=\"options: risks, value: selectedRisk,  optionsText: 'name', optionsCaption: 'Choose...'\"\r\n                    ><\/select>\r\n                    <!-- ko template: { name: 'calculator-error',  data: { message: 'Business Risk is required.', selected: selectedRisk() ? true: false }}--><!-- \/ko -->\r\n                  <\/div>\r\n                <\/div>\r\n                <div class=\"calculator-row\">\r\n                  <div class=\"calculator-col-label\">\r\n                    <span>Amount repaid to date<\/span>\r\n                  <\/div>\r\n                  <div class=\"calculator-col-options\">\r\n                    <input\r\n                      class=\"no-spinners calculator-text-input\"\r\n                      type=\"number\"\r\n                      data-bind=\"value: amountRepaidToDay, event: { keydown: allowOnlyNumbers }\"\r\n                    \/>\r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n              <div>\r\n                <div class=\"calculator-row\">\r\n                  <div class=\"calculator-col-label\">\r\n                    <span>First Repayment Option<\/span>\r\n                  <\/div>\r\n                  <div class=\"calculator-col-options\">\r\n                    <select\r\n                      class=\"calculator-select\"\r\n                      data-bind=\"options: repayOptionsV1, value: selectedRepayV1,  optionsText: 'name', optionsCaption: 'Choose...'\"\r\n                    ><\/select>\r\n                    <!-- ko template: { name: 'calculator-error',  data: { message: 'First Repayment Option is required.', selected: selectedRepayV1() ? true: false }}--><!-- \/ko -->\r\n                  <\/div>\r\n                <\/div>\r\n                <div class=\"calculator-row\">\r\n                  <div class=\"calculator-col-label\">\r\n                    <span>Second Repayment Option<\/span>\r\n                  <\/div>\r\n                  <div class=\"calculator-col-options\">\r\n                    <select\r\n                      class=\"calculator-select\"\r\n                      data-bind=\"options: repayOptionsV2, value: selectedRepayV2,  optionsText: 'name', optionsCaption: 'Choose...'\"\r\n                    ><\/select>\r\n                    <!-- ko template: { name: 'calculator-error',  data: { message: 'Second Repayment Option is required.', selected: selectedRepayV2() ? true: false }}--><!-- \/ko -->\r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            <div class=\"calculator-submit-wrapper\">\r\n              <div class=\"calculator-submit-row\">\r\n                <div class=\"calculator-submit-left\"><\/div>\r\n                <button\r\n                  class=\"calculator-submit\"\r\n                  data-bind=\"click: $parent.submit.bind($parent, null)\"\r\n                >\r\n                  Submit\r\n                <\/button>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n          <div>\r\n            <!-- ko if: series().length != 0 -->\r\n            <!-- ko template: { name: 'calculator-table-total'} --><!-- \/ko -->\r\n            <!-- \/ko -->\r\n            <div\r\n              class=\"calculator-chart-wrapper\"\r\n              data-bind=\"visible: series().length != 0\"\r\n            >\r\n              <p class=\"title\">Cumulative Repayment<\/p>\r\n              <div id=\"calculator-chart\" class=\"calculator-chart\"><\/div>\r\n            <\/div>\r\n            <!-- ko if: series().length != 0 -->\r\n            <div class=\"calculator-table-wrapper\">\r\n              <div>\r\n                <!-- ko template: { name: 'calculator-table'} --><!-- \/ko -->\r\n              <\/div>\r\n            <\/div>\r\n            <!-- \/ko -->\r\n          <\/div>\r\n        <\/script>\r\n        <script id=\"calculator-table\" type=\"text\/html\">\r\n          <table class=\"calculator-table\" cellspacing=\"0\" cellpadding=\"0\">\r\n            <tr>\r\n              <td><\/td>\r\n              <!-- ko foreach: series -->\r\n              <td style=\"text-align: center;\" colspan=\"2\">\r\n                <span style=\"font-weight: 700;\" data-bind=\"text: name\"><\/span>\r\n              <\/td>\r\n              <!-- \/ko -->\r\n            <\/tr>\r\n            <tr>\r\n              <td style=\"text-align: center;font-weight: 700;\">Month<\/td>\r\n              <td style=\"text-align: center;font-weight: 700;\">\r\n                Monthly Payment\r\n              <\/td>\r\n              <td style=\"text-align: center;font-weight: 700;\">\r\n                Total Payments\r\n              <\/td>\r\n              <td style=\"text-align: center;font-weight: 700;\">\r\n                Monthly Payment\r\n              <\/td>\r\n              <td style=\"text-align: center;font-weight: 700;\">\r\n                Total Payments\r\n              <\/td>\r\n            <\/tr>\r\n            <!-- ko foreach: allMonths -->\r\n            <tr>\r\n              <td style=\"text-align: right;\">\r\n                <span data-bind=\"text: name\"><\/span>\r\n              <\/td>\r\n              <td style=\"text-align: right;\">\r\n                <span\r\n                  data-bind=\"text: $parent.series()[0]?.data[$index()]?.value.toLocaleString('en-US')\"\r\n                ><\/span>\r\n              <\/td>\r\n              <td style=\"text-align: right;\">\r\n                <span\r\n                  data-bind=\"text: $parent.series()[0]?.data[$index()]?.valueSum.toLocaleString('en-US')\"\r\n                ><\/span>\r\n              <\/td>\r\n              <td style=\"text-align: right;\">\r\n                <span\r\n                  data-bind=\"text: $parent.series()[1]?.data[$index()]?.value.toLocaleString('en-US')\"\r\n                ><\/span>\r\n              <\/td>\r\n              <td style=\"text-align: right;\">\r\n                <span\r\n                  data-bind=\"text: $parent.series()[1]?.data[$index()]?.valueSum.toLocaleString('en-US')\"\r\n                ><\/span>\r\n              <\/td>\r\n            <\/tr>\r\n            <!-- \/ko -->\r\n          <\/table>\r\n        <\/script>\r\n        <script id=\"calculator-table-total\" type=\"text\/html\">\r\n          <div class=\"calculator-table-wrapper-total\">\r\n            <p class=\"title\">Total Cost of Loan<\/p>\r\n            <div class=\"circle-wrapper\">\r\n              <!-- ko foreach: series -->\r\n              <div class=\"circle-item\">\r\n                <p class=\"circle-title\" data-bind=\"text: name\"><\/p>\r\n                <div\r\n                  class=\"circle\"\r\n                  data-bind=\"style: { 'background-color': color}\"\r\n                >\r\n                  <span\r\n                    data-bind=\"text: `$${totalCost.toLocaleString('en-US')}`\"\r\n                  ><\/span>\r\n                <\/div>\r\n              <\/div>\r\n              <!-- \/ko -->\r\n            <\/div>\r\n          <\/div>\r\n        <\/script>\r\n        <!-- ko with: current -->\r\n        <!-- ko template: {name: template, data: $data} -->\r\n        <!-- \/ko -->\r\n        <!-- \/ko -->\r\n      \n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d249099 e-flex e-con-boxed e-con e-parent\" data-id=\"d249099\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8786d8c e-flex e-con-boxed e-con e-child\" data-id=\"8786d8c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-55e6a51 e-con-full e-flex e-con e-child\" data-id=\"55e6a51\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c7f789 elementor-widget elementor-widget-heading\" data-id=\"9c7f789\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Refinance your CEBA loan to take advantage of the $10k to $20k government forgiveness<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b8c68 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"59b8c68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-xl\" href=\"http:\/\/ceba.ca\/refinance\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Financing now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29e19c8 elementor-widget elementor-widget-text-editor\" data-id=\"29e19c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This financial analysis is provided as a general guide only and should not be relied upon as sole basis for investment or financial decisions. It is based on data and assumptions believed to be accurate at the time of analysis but they may not apply to your specific situation. No warranty is made regarding the accuracy or completeness of the information. Market conditions and economic factors can change rapidly and without notice, which can impact the analysis outcomes. You are advised to consult with a qualified financial advisor before making any investment decisions. This analysis does not constitute financial advice, nor does it take into account your personal circumstances, financial situation or needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>CEBA Loan Repayment Calculator This handy calculator lets you compare CEBA repayment strategies, helping you figure out what could work best for you. Most of the time refinancing your CEBA loan makes the most sense.\u00a0 Compare the best lenders in Canada to get the financing that works for you. We do suggest you have a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2641","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"http:\/\/ceba.ca\/fr\/wp-json\/wp\/v2\/pages\/2641","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/ceba.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/ceba.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/ceba.ca\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/ceba.ca\/fr\/wp-json\/wp\/v2\/comments?post=2641"}],"version-history":[{"count":53,"href":"http:\/\/ceba.ca\/fr\/wp-json\/wp\/v2\/pages\/2641\/revisions"}],"predecessor-version":[{"id":8547,"href":"http:\/\/ceba.ca\/fr\/wp-json\/wp\/v2\/pages\/2641\/revisions\/8547"}],"wp:attachment":[{"href":"http:\/\/ceba.ca\/fr\/wp-json\/wp\/v2\/media?parent=2641"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}