Instructions - Ministerial Loan Guarantee Application (Individual and Band)
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: The Ministerial Loan Guarantee (MLG) Application is used by the First Nation to apply for an MLG.
First Nation can apply for MLG as needed.
Each application for an MLG must be accompanied by:
- Project description for the purpose of Environmental Assessment;
- A Band Council Resolution or Equivalent Authorizing Document;
- Project Site Plan; and
- A Letter of Intent, Commitment letter, a Loan Agreement from the Lender or a copy of a CMHC Commitment Letter.
Contact your Aboriginal Affairs and Northern Development Canada (AANDC) regional office for more information.
Required Supporting Documents:
- How to obtain forms:
- You may download the form from the Recipient Reporting Guide website at
http://www.aadnc-aandc.gc.ca/dci/dcilog_e.asp. To log in to the on-line Guide, click on this link or copy the link into your computer’s internet browser. When the home page is displayed, select your province / territory and then type in the password which is the same as the province / territory selected.
- How to submit completed application to AANDC :
- Submit application online electronically (upload Band Council Resolution and Site Plan through the system), by fax, mail or email the application to your AANDC Regional Office (regions to provide specifics).
- How to check the status of the application:
- First Nations and Inuit Transfer Payment System (FNITP) users may check the status of their application in the FNITP system. For further information on how to access FNITP contact your regional office.
- Contact your AANDC regional office for further information.
Refer to the program's Terms and Conditions for any additional documentation to be submitted.
Program Documentation: Ministerial Loan Guarantee Manual
Provide the name of First Nation applying for Ministerial Loan Guarantee
Provide the name of Reserve
Provide the number of the Band assigned by AANDC
Provide the number of the Reserve
Type of Applicant
Identify the type of applicant, select either: Band as per Indian Act or Cree/Naskapi (of Québec) Act or Self-Governing First Nation
Type of Housing Program
Identify the type of housing program the applicant is applying for: Ministerial Loan Guarantee - First Nation (formerly Section 10
Band), Ministerial Loan Guarantee - Individual First Nation Member (formerly Section 10 Individual), MLG
On-Reserve Non-Profit Housing Program Project (formerly Section 95), or MLG
Shelter Enhancement Program Project.
Borrower Information (For MLG - Individual only)
Additional Borrower's Information can be provided on a separate sheet and attached to this application)
Provide the name of the individual borrower requesting a MLG
Title of applicant (for example, Mr., Mrs., Ms.)
Provide the address where individual application currently resides
Provide the municipality
Provide the postal code
Provide the phone number of applicant’s place of work
Provide the extension number of borrower’s business phone number
Cell Phone No.
Provide the cell phone number of borrower
Provide the fax number of borrower
Provide the Email address of borrower
Indicate the applicant status, select either: Status or Non-Status First Nation
Provide the registration number of First Nation or Band member
Application Loan Amount
Indicate the total amount of money being applied for (amount of MLG
Indicate the amount of money contributed by the Department of Aboriginal Affairs and Northern Development Canada
Indicate the amount of money the borrower will be contributing toward project (down payment)
Other Funds (Specify)
Indicate the other funds that will be contributed to this project (e.g. money provided through First Nation or Band Council, Tribal
Council or other sources)
Total Project Cost
Indicate the total amount of project
Provide the name of lending institution such as the name of a bank or credit union
Provide the contact information of the lender
Provide the name of the employee who works with the institution who is your direct contact
Provide the municipality where the lending intuition is located
Provide the province where lending institution is located
Provide the postal code of the lending institution
Lender Loan Number
Provide the reference number of the loan assigned by lending institution
Amortization Period (YY / MM)
Provide the amortization period, this value must not exceed 25 years
Term (YY / MM)
Provide the term of loan in years and months
Provide the amount of installment
Indicate the frequency of payments
Interest Type (If Fixed)
Provide the interest rate that will remain at a predetermined rate for a period of time
Interest Type (If Variable)
Provide the interest rate that moves up and down based on the changes of an underlying interest rate index. Indicate the percentage and
if it is below or above the Prime Rate
Provide the name of project which is being applied for
Identify the type of project; the project has to be one of the following: an acquisition, construction or renovation
Number of Units
Indicate the number of units that will be built, acquired or renovated
Provide the total cost of the project
Indicate the physical size (area) of project (sq. ft. or metres)
Provide the address where project (acquisition, construction or renovation) will be located
Provide the municipality where the lending intuition is located
Provide the Province or Territory where project is located
Provide the postal code of project
Indicate the town where project is located
Provide the plan number of project
Provide the block number of project
Provide the lot number of project
Provide the range number of project
Provide the legal subdivision number of project
Provide the latitude coordinates of project
Provide the longitude coordinates of project
Provide the any additional descriptive information that can be provided to help describe the location of project
Check if water is actually sourced by pipe or planned to be sourced by pipe.
Check if water is actually sourced by truck transport or planned to sourced by truck transport.
Check if water is actually sourced by well or planned to be sourced by well.
Check if the sewage is piped from location of project or planned to be piped from location of project.
Check if sewage is trucked from location of project or planned to be trucked from location of project.
Check if there is a septic tank at project location or if septic tank is planned for project location.
Heating Fuel (Specify Source)
Please specify the type of heating fuel (e.g. coal, diesel, etc.) and if source actually being used at project location or planned to
be used at project location.
Band Council Resolution (BCR) or equivalent authorizing document must be included with application
A Band Council Resolution or equivalent authorizing document must be attached to the application; please check corresponding box to
indicate that this document is attached.
Project Site Plan
A Site Plan of the project site is required to be attached to this application; please check corresponding box to indicate that this
document is attached.
Letter of Intent, Loan Agreement from Lender or CMHC Commitment Letter
A Letter of Intent, Loan Agreement from Lender or Approved and Signed CMHC
Commitment Letter is required to be attached to this application; please check corresponding box to indicate that this document is attached.
A project description for the purpose of Environmental Assessment
A project description for the purpose of Environmental Assessment is required to be attached to this application; please check corresponding box to indicate that this document is attached.
Any other document required by the regional office
Consult your regional office to find out if they require any additional documents. Please check corresponding box to indicate that regional requirements are attached.
Applicant means an individual Indian or a group of Indians (such as a Council of a Band, a Tribal Council, an authorized Band Housing Authority, a Band Housing Corporation including a Band Corporation under the Cree/Naskapi (of Quebec) Act, a corporation without share
capital and a cooperative association, where all members of said corporations and cooperative associations are Indian(s) who have
applied for an MLG
to secure a loan for the construction, acquisition or renovation of housing located on lands as defined.
Application means an application for an MLG
to secure a housing loan which may be secured by the Minister through a Ministerial Loan Guarantee.
Band means: (a) a Band as defined in the Indian Act or the Cree/Naskapi (of Quebec) Act; or (b) a former Band or group of Bands who is/are signatory to an implemented self-government agreement with Canada, or Canada and the appropriate province/territory.
Borrower means an applicant to whom a loan has been made by a lender which has been guaranteed by the Minister.
First Nation Council
Council of a Band means (a) a Council as defined in the Indian Act; or (b) a Council of a Band Corporation as defined in the Cree/Naskapi (of Quebec) Act; or (c) the governing body of a former band or group of bands who is/are signatory to an implemented self-government agreement with Canada, or Canada and the appropriate province/territory; or (d) groups of individuals that
the Minister has authorized to be considered as an Indian Band by Order of the Governor in Council.
Default means the borrower has failed to make payments as stipulated in the Loan Agreement.
Environmental Impact Site Assessment
Environmental Impact Site Assessment refers to an Environmental Site Assessment as prescribed by the Canadian Standards Association (CSA)
Standard Z768-94 entitled: Environmental Site Assessment, describing a systematic process by which an assessor determines whether a
particular property is or may be subject to actual or potential contamination, and does not refer to an environmental assessment as may
be required pursuant to the Canadian Environmental Assessment Act or of an equivalent or higher standard, such as the YESSA (Yukon Environmental and Socio-economic Assessment Act).
Guarantee Agreement means the agreement between the Minister and the lender containing the terms and conditions for the Ministerial Loan Guarantee.
Indian means: (a) a person who, pursuant to the Indian Act, is registered as an Indian or is entitled to be registered as an
Indian; or (b) beneficiaries as defined under the Cree/Naskapi (of Quebec) Act.
Lands means: (a) lands which constitute "lands reserved for the Indians" under class 24 of section 91 of the Constitution Act, 1867, including lands, the legal title to which is vested in Her Majesty, that have been set apart as reserve for the use and benefit of a Band under subsection 2(1) of the Indian Act, and may also include lands so defined or similarly defined under the terms specified in implemented self-government agreements or implemented land claims agreements; or (b) a designated Indian settlement where groups of Indians normally reside and the federal Crown holds title to this land or has acquired the right to use and occupy this land by agreement with the appropriate provincial or territorial government; or (c) Category 1A or Category 1A-N lands as defined in the Cree /Naskapi (of Quebec) Act; or (d) any other lands that are within the legislative authority of Parliament as contemplated by class 24 of section 91 of the Constitution Act, 1867; but does not include: (e) lands that are held in fee simple.
Lender means Canada Mortgage and Housing Corporation, direct lending and any lender approved under the National Housing Act for the purpose of making loans.
Loan means: a loan which the Minister has guaranteed for the construction, acquisition or renovation of housing on lands as defined.
Loan Agreement means an agreement between a borrower and a lender containing the terms and conditions of the housing loan.
Loan Guarantee means a Ministerial Loan Guarantee whereby the Minister guarantees repayment of the loan to the lender in the event of default by the borrower.
Minister means the Minister of Aboriginal Affairs and Northern Development Canada.
DCI# 2948843(2012-2013) - Instructions