
Program authorizing the financing of the operating deficit of certain low-income housing projects
grant_single|update May 30, 2025
QC, Canada
Funds operating deficits for low-income housing organizations in Quebec
grant_single_labels_website|summary
grant_single|eligibleFinancing
- grant_single|projectCostPercent
grant_single|deadlines
- grant_single|openingDate December 20, 2023
- grant_single|closingDate December 31, 2026
grant_single|financingType
Grant and Funding
grant_single|eligibleIndustries
- Real estate and rental and leasing
- Other services (except public administration)
- Public administration
grant_single|grantors
- Quebec Housing Society (SHQ)
grant_single|status
grant_card_status|open
grant_single_labels_website|preview
The Program Authorizing the Financing of the Operating Deficit of Certain Low-Income Housing Projects provides up to 100% funding of the annual operating deficit for eligible low-income housing entities in Quebec. Its purpose is to ensure the continued availability of affordable housing by covering the gap between rental income and operation costs for qualified cooperatives, non-profit organizations, and housing offices.
grant_single_labels_website|terms_and_conditions
- Financial assistance covers up to 100% of the annual operating deficit for eligible low-income housing projects.
- The total amount of combined public financial aid (provincial, federal, and municipal, including tax credits) cannot exceed 100% of eligible expenses.
- Municipalities participating in funding are required to contribute 10% of the annual operating deficit.
grant_single_labels_website|projects
- Financing of operating deficits for low-income housing projects (HLM) that no longer have existing government authorization.
- Support for renovated, expanded, or reconstructed low-income housing buildings requiring new operational funding agreements.
grant_single_labels_website|admissibility
- The applicant must be a cooperative, a non-profit organization, or a housing office that owns or manages an eligible low-income housing project.
- The project must be part of the low-income housing portfolio for which the Société d’habitation du Québec is no longer authorized, or will no longer be authorized by December 31, 2026, to subsidize the annual operating deficit.
- The project may also be eligible if it has been reconstructed or expanded with funding from the Société, under a government-approved program or decree, and lacks current authorization for operating deficit subsidy.
grant_eligibility_criteria|who_can_apply
- Cooperatives owning or managing eligible low-income housing projects
- Non-profit organizations owning or managing eligible low-income housing projects
- Housing offices (offices d’habitation) owning or managing eligible low-income housing projects
grant_eligibility_criteria|who_cannot_apply
- Private for-profit companies not operating as a cooperative, non-profit organization, or housing office.
- Entities that do not own or manage eligible low-income housing projects (HLM) as defined by the program.
grant_eligibility_criteria|eligible_expenses
- The annual operating deficit of eligible low-income housing properties, calculated as the difference between operating revenues and operating expenses according to the regulatory framework in force.
grant_eligibility_criteria|zone
- Quebec
grant_single_labels_website|apply
1
Confirm program eligibility
- Verify that your organization is a cooperative, non-profit organization, or housing office managing or owning an eligible low-income housing project (E.I.)
- Ensure the E.I. is not authorized for continued deficit funding by December 31, 2026, or has been reconstructed/expanded without required funding authorization
2
Assess eligible financial needs
- Review the applicable regulatory framework of the Non-Profit Housing Program, public and private components (PSBL)
- Determine the eligible annual operating deficit as per program guidelines
3
Prepare application documents
- Prepare required financial and operational documentation showing the deficit and compliance with program norms
- Ensure supporting documents are complete for application submission
4
Submit the application
- Submit the application and supporting documents to the Société d’habitation du Québec
- Verify submission procedures and deadlines according to program guidelines
5
Await evaluation results
- Monitor the review process for evaluation by the authorities
- Respond to additional information requests if needed
grant_single_labels_website|otherInfo
- The program is authorized for the period ending December 31, 2026.
- An evaluation of the program will be submitted to the Secrétariat du Conseil du trésor by August 31, 2026.
- The Société d'habitation du Québec is responsible for maintaining operating agreements with involved organizations and municipalities throughout the duration of the program.
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