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Step chart showing the CRA's prescribed interest rate holding steady at three percent for a sixth consecutive quarter.

The rate that applies when a prescribed rate loan is first set up stays locked in for the life of that loan, regardless of any later change to the quarterly announcement, which is why advisors treat a stable stretch like this one as a limited window rather than routine news. The strategy applies to loans between spouses, to family trusts, and to adult children in lower tax brackets, shifting investment income to the lower-bracket family member. Interest must be paid by January 30 each year or the income-splitting benefit is lost retroactively.

This chart is presented for general informational purposes only and does not constitute financial, investment, tax, or legal advice. Figures reflect the source and period indicated and may no longer be current.

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