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<loc>https://habitam.ca/en/glossary/certified-appraiser</loc>
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<loc>https://habitam.ca/en/glossary/eviction</loc>
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<loc>https://habitam.ca/en/glossary/preventive-inspection</loc>
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<loc>https://habitam.ca/lexique/inspection-preventive</loc>
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<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/pension-funds</loc>
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<lastmod>2026-01-23</lastmod>
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<loc>https://habitam.ca/lexique/fonds-de-pension</loc>
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<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/cadastre</loc>
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<url>
<loc>https://habitam.ca/lexique/cadastre</loc>
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<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/right-of-pre-emption</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/droit-de-preemption" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/droit-de-preemption</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/right-of-pre-emption" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/credit-investigation</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/enquete-de-credit" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/enquete-de-credit</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/credit-investigation" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/high-ratio-mortgage</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/hypotheque-ratio-eleve" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/hypotheque-ratio-eleve</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/high-ratio-mortgage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/cooling-off-period</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/delai-de-retraction" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/delai-de-retraction</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/cooling-off-period" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/home-staging</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/home-staging" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/home-staging</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/home-staging" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/co-owner</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/coproprietaire" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/coproprietaire</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/co-owner" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/equity</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/equite" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/equite</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/equity" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/rental-management</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/gestion-locative" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/gestion-locative</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/rental-management" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/boundaries</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/bornage" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/bornage</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/boundaries" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/offer-to-purchase</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/offre-achat" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/offre-achat</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/offer-to-purchase" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/total-debt-service</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/amortissement-total-de-la-dette" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/amortissement-total-de-la-dette</loc>
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<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/dwelling</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/logement" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/logement</loc>
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<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/income-property</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/immeuble-a-revenus" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/immeuble-a-revenus</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/income-property" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/lease</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/bail" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/bail</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/lease" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/self-build</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/autoconstruction" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/autoconstruction</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/self-build" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/legal-warranty</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/garantie-legale" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/garantie-legale</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/legal-warranty" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/real-estate-agency</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/agence-immobiliere" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/agence-immobiliere</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/real-estate-agency" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/co-borrower</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/co-emprunteur" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/co-emprunteur</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/co-borrower" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/salary-insurance</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/assurance-salaire" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/assurance-salaire</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/salary-insurance" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/en/glossary/mortgage-loan-insurance</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/assurance-pret-hypothecaire" />
<lastmod>2026-01-23</lastmod>
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<url>
<loc>https://habitam.ca/lexique/assurance-pret-hypothecaire</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/mortgage-loan-insurance" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/commercial-lease</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/bail-commercial" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/bail-commercial</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/commercial-lease" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/leverage-effect</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/effet-de-levier" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/effet-de-levier</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/leverage-effect" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/down-payment</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/mise-de-fonds" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/mise-de-fonds</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/down-payment" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/multi-storey-house</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/maison-a-etages" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/maison-a-etages</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/multi-storey-house" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/agency-fees</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/frais-agence" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/frais-agence</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/agency-fees" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/tax-credit</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/credit-impot" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/credit-impot</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/tax-credit" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/brokerage-fees</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/frais-de-courtage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/frais-de-courtage</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/brokerage-fees" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/disability-insurance</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/assurance-invalidite" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/assurance-invalidite</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/disability-insurance" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/property-assessment</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/evaluation-fonciere" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/evaluation-fonciere</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/property-assessment" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/thermal-imaging</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/imagerie-thermique" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/imagerie-thermique</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/thermal-imaging" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/family-heritage</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/patrimoine-familial" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/patrimoine-familial</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/family-heritage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/trust</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/fiducie" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/fiducie</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/trust" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/contractor</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/entrepreneur" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/entrepreneur</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/contractor" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/borrower</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/emprunteur" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/emprunteur</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/borrower" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/bungalow</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/bungalow" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/bungalow</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/bungalow" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/receipt</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/quittance" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/quittance</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/receipt" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/twin-house</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/maison-jumelee" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/maison-jumelee</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/twin-house" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/photogrammetry</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/photogrammetrie" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/photogrammetrie</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/photogrammetry" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/credit-file</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/dossier-de-credit" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/dossier-de-credit</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/credit-file" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/pre-sale-inspection</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/inspection-prevente" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/inspection-prevente</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/pre-sale-inspection" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/lot</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/lot" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/lot</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/lot" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/security-deposit</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/depot-de-garantie" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/depot-de-garantie</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/security-deposit" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/investment-funds</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/fonds-investissement" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/fonds-investissement</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/investment-funds" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/notary</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/notaire" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/notaire</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/notary" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/bankruptcy-discharge</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/liberation-de-faillite" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/liberation-de-faillite</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/bankruptcy-discharge" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/deposit</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/acompte" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/acompte</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/deposit" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/real-estate</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/immobilier" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/immobilier</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/real-estate" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/lessor</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/bailleur" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/bailleur</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/lessor" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/mortgage</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/hypotheque" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/hypotheque</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/mortgage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/multi-unit-housing</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/multilogement" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/multilogement</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/multi-unit-housing" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/condominium-charges</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/charges-de-copropriete" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/charges-de-copropriete</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/condominium-charges" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/comparable</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/comparable" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/comparable</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/comparable" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/fees</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/honoraires" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/honoraires</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/fees" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/building-inspector</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/inspecteur-en-batiment" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/inspecteur-en-batiment</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/building-inspector" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/taxes</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/impots" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/impots</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/taxes" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/capital-gain</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/gain-en-capital" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/gain-en-capital</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/capital-gain" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/life-insurance</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/assurance-vie" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/assurance-vie</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/life-insurance" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/marketing</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/mise-en-marche" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/mise-en-marche</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/marketing" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/land-surveyor</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/arpenteur-geometre" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/arpenteur-geometre</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/land-surveyor" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/bare-ownership</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/nue-propriete" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/nue-propriete</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/bare-ownership" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/certificate-of-conformity-for-a-house</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/certificat-conformite-maison" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/certificat-conformite-maison</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/certificate-of-conformity-for-a-house" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/liabilities</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/passif" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/passif</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/liabilities" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/residential-lease</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/bail-residentiel" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/bail-residentiel</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/residential-lease" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/duplex</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/duplex" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/duplex</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/duplex" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/bigeneration-house</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/maison-bigenerationnelle" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/maison-bigenerationnelle</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/bigeneration-house" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/condo</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/condo" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/condo</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/condo" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/rent</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/loyer" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/loyer</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/rent" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/credit-history</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/historique-de-credit" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/historique-de-credit</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/credit-history" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/conventional-mortgage</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/hypotheque-conventionnelle" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/hypotheque-conventionnelle</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/conventional-mortgage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/commission</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/commission" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/commission</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/commission" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/insurer</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/assureur" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/assureur</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/insurer" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/home-insurance</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/assurance-habitation" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/assurance-habitation</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/home-insurance" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/act-of-sale</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/acte-de-vente" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/acte-de-vente</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/act-of-sale" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/house-with-levels</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/maison-a-paliers" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/maison-a-paliers</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/house-with-levels" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/assets</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/actif" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/actif</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/assets" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/brokerage-contract</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/contrat-de-courtage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/contrat-de-courtage</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/brokerage-contract" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/declaration-by-the-seller</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/declaration-du-vendeur" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/declaration-du-vendeur</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/declaration-by-the-seller" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/real-estate</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/bien-immobilier" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/bien-immobilier</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/real-estate" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/acquisition-costs</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/frais-acquisition" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/frais-acquisition</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/acquisition-costs" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/declaration-of-co-ownership</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/declaration-de-copropriete" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/declaration-de-copropriete</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/declaration-of-co-ownership" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/rental-charges</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/charges-locatives" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/charges-locatives</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/rental-charges" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/mixed-lease</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/bail-mixte" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/bail-mixte</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/mixed-lease" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/staking</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/piquetage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/piquetage</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/staking" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/real-estate-agent</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/agent-immobilier" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/agent-immobilier</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/real-estate-agent" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/municipal-assessment</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/evaluation-municipale" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/evaluation-municipale</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/municipal-assessment" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/insurance-agent</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/agent-assurance" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/agent-assurance</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/insurance-agent" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/transfer-tax</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/droit-de-mutation" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/droit-de-mutation</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/transfer-tax" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/subdivision</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/lotissement" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/lotissement</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/subdivision" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/amortization</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/amortissement" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/amortissement</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/amortization" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/gross-debt-service</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/amortissement-brut-de-la-dette" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/amortissement-brut-de-la-dette</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/gross-debt-service" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/released</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/mainlevee" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/mainlevee</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/released" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/endorser</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/endosseur" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/endosseur</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/endorser" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/certificate-of-location</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/certificat-de-localisation" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/certificat-de-localisation</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/certificate-of-location" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/fisc</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/fisc" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/fisc</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/fisc" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/collateral-mortgage</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/hypotheque-collaterale" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/hypotheque-collaterale</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/collateral-mortgage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/franchise</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/franchise" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/franchise</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/franchise" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/single-storey-house</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/maison-de-plain-pied" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/maison-de-plain-pied</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/single-storey-house" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/adjoining</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/mitoyen" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/mitoyen</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/adjoining" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/mortgage-broker</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/courtier-hypothecaire" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/courtier-hypothecaire</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/mortgage-broker" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/foundation</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/fondation" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/fondation</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/foundation" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/mandatary</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/mandataire" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/mandataire</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/mandatary" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/professional-liability-insurance</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/assurance-responsabilite-civile-professionnelle" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/assurance-responsabilite-civile-professionnelle</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/professional-liability-insurance" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/real-estate-broker</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/courtier-immobilier" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/courtier-immobilier</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/real-estate-broker" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/right-of-way</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/droit-de-passage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/droit-de-passage</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/right-of-way" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/counter-offer</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/contre-offre" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/contre-offre</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/counter-offer" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/authentic-deed</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/acte-authentique" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/acte-authentique</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/authentic-deed" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/market-valuation</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/evaluation-marchande" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/evaluation-marchande</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/market-valuation" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/insurance-broker</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/courtier-assurance" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/courtier-assurance</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/insurance-broker" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/lease-transfer</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/cession-de-bail" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/cession-de-bail</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/lease-transfer" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/bail</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/caution" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/caution</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/bail" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/cottage</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/cottage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/cottage</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/cottage" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/indivision</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/indivision" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/indivision</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/indivision" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/tenant</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/locataire" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/locataire</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/tenant" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/enjoyment-of-the-premises</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/jouissance-des-lieux" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/jouissance-des-lieux</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/enjoyment-of-the-premises" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/co-ownership</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/copropriete" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/copropriete</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/co-ownership" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/encroachment</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/empietement" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/empietement</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/encroachment" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/townhouse</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/maison-en-rangee" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/maison-en-rangee</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/townhouse" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/implantation</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/implantation" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/implantation</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/implantation" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/inheritance-tax</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/droit-de-succession" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/droit-de-succession</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/inheritance-tax" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/pre-purchase-inspection</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/inspection-preachat" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/inspection-preachat</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/pre-purchase-inspection" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/en/glossary/landlord</loc>
<xhtml:link rel="alternate" hreflang="fr" href="https://habitam.ca/lexique/locateur" />
<lastmod>2026-01-23</lastmod>
</url>
<url>
<loc>https://habitam.ca/lexique/locateur</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://habitam.ca/en/glossary/landlord" />
<lastmod>2026-01-23</lastmod>
</url>
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