{"id":73033,"date":"2020-11-09T12:12:40","date_gmt":"2020-11-09T12:12:40","guid":{"rendered":"http:\/\/wilsonteam.flywheelsites.com\/?page_id=73033"},"modified":"2026-03-11T15:55:06","modified_gmt":"2026-03-11T15:55:06","slug":"heloc-marge-de-credit-hypothecaire","status":"publish","type":"page","link":"https:\/\/wilsonteam.ca\/fr\/heloc-marge-de-credit-hypothecaire\/","title":{"rendered":"HELOC Marge de cr\u00e9dit hypoth\u00e9caire"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2&Prime; top_padding=\u00a0\u00bb3&Prime; bottom_padding=\u00a0\u00bb3&Prime; back_image=\u00a0\u00bb76110&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_visibility=\u00a0\u00bbyes\u00a0\u00bb mobile_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb795081&Prime; el_class=\u00a0\u00bbbuying-home-first-section\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb60&Prime; position_horizontal=\u00a0\u00bbleft\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb620349&Prime; el_class=\u00a0\u00bbbuying-home-first-block\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb205641&Prime;]Information fournie par le gouvernement du Canada[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb164163&Prime;]<\/p>\n<h3>POINTS CL\u00c9S<\/h3>\n<ul>\n<li>Pr\u00eats remboursables<\/li>\n<li>Acc\u00e8s \u00e0 des fonds suppl\u00e9mentaires sans recours \u00e0 un avocat<\/li>\n<li>Le pr\u00eateur peut modifier le taux d\u2019int\u00e9r\u00eat \u00e0 tout moment (g\u00e9n\u00e9ralement seulement en cas de d\u00e9faut)<\/li>\n<li>Une dette non garantie peut \u00eatre interconnect\u00e9e avec une hypoth\u00e8que (ils peuvent utiliser votre paiement hypoth\u00e9caire pour payer d\u2019autres dettes si vous manquez un paiement, ce qui vous mettrait en d\u00e9faut sur votre pr\u00eat hypoth\u00e9caire!)<\/li>\n<li>L\u2019hypoth\u00e8que n\u2019est PAS transf\u00e9rable<\/li>\n<li>Impact consid\u00e9rable sur vos options de renouvellement<\/li>\n<li>Enregistrez un pr\u00eat hypoth\u00e9caire pour PLUS que ce que vous empruntez (jusqu\u2019\u00e0 125%)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_button button_color=\u00a0\u00bbaccent\u00a0\u00bb border_width=\u00a0\u00bb0&Prime; button_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb157090&Prime; link=\u00a0\u00bburl:https%3A%2F%2Fwilsonteam.ca%2Ffr%2Fconsultation%2F|title:Consultation%20Form\u00a0\u00bb]Prendre rendez-vous[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; desktop_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb926059&Prime;][vc_column column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb172589&Prime;][vc_single_image media=\u00a0\u00bb76112&Prime; media_width_percent=\u00a0\u00bb100&Prime; alignment=\u00a0\u00bbcenter\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb682561&Prime;][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb459840&Prime;]<\/p>\n<div class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-0 fusion-one-full fusion-column-first fusion-column-last team-column 1_1\">\n<div class=\"fusion-column-wrapper\" data-bg-url=\"\">\n<div class=\"fusion-text\">\n<p>Information fournie par le gouvernement du Canada<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb923934&Prime;]<\/p>\n<h3>POINTS CL\u00c9S<\/h3>\n<ul>\n<li>Pr\u00eats remboursables<\/li>\n<li>Acc\u00e8s \u00e0 des fonds suppl\u00e9mentaires sans recours \u00e0 un avocat<\/li>\n<li>Le pr\u00eateur peut modifier le taux d\u2019int\u00e9r\u00eat \u00e0 tout moment (g\u00e9n\u00e9ralement seulement en cas de d\u00e9faut)<\/li>\n<li>Une dette non garantie peut \u00eatre interconnect\u00e9e avec une hypoth\u00e8que (ils peuvent utiliser votre paiement hypoth\u00e9caire pour payer d\u2019autres dettes si vous manquez un paiement, ce qui vous mettrait en d\u00e9faut sur votre pr\u00eat hypoth\u00e9caire!)<\/li>\n<li>L\u2019hypoth\u00e8que n\u2019est PAS transf\u00e9rable<\/li>\n<li>Impact consid\u00e9rable sur vos options de renouvellement<\/li>\n<li>Enregistrez un pr\u00eat hypoth\u00e9caire pour PLUS que ce que vous empruntez (jusqu\u2019\u00e0 125%)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb121676&Prime; el_class=\u00a0\u00bbCMHC-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb4&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb168726&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb172700&Prime; el_class=\u00a0\u00bbCMHC-first-block-img\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb197488&Prime;]TYPES DE MARGES DE CR\u00c9DIT SUR VALEUR DOMICILIAIRE[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb167155&Prime;]Il existe deux principaux types de marges de cr\u00e9dit sur valeur domiciliaire: l\u2019une combin\u00e9e \u00e0 une hypoth\u00e8que et l\u2019autre qui est un produit autonome.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb192776&Prime;]La plupart des grandes institutions financi\u00e8res offrent une marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 une hypoth\u00e8que sous leur propre marque. On l\u2019appelle aussi parfois un pr\u00eat hypoth\u00e9caire sur valeur domiciliaire<\/p>\n<p>Cette derni\u00e8re combine une marge de cr\u00e9dit hypoth\u00e9caire renouvelable et une hypoth\u00e8que \u00e0 terme fixe.<\/p>\n<ul>\n<li>Vous n\u2019avez g\u00e9n\u00e9ralement aucun montant de remboursement fixe pour une marge de cr\u00e9dit hypoth\u00e9caire. Votre pr\u00eateur ne vous demandera g\u00e9n\u00e9ralement de payer des int\u00e9r\u00eats que sur l\u2019argent que vous utilisez.<\/li>\n<li>L\u2019hypoth\u00e8que \u00e0 terme fixe aura une p\u00e9riode d\u2019amortissement. Vous devez effectuer des paiements r\u00e9guliers sur le capital et les int\u00e9r\u00eats de l\u2019hypoth\u00e8que selon un calendrier.<\/li>\n<li>La limite de cr\u00e9dit sur une marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 un pr\u00eat hypoth\u00e9caire peut atteindre un maximum de 65% du prix d\u2019achat ou de la valeur marchande de votre maison.<\/li>\n<li>Le montant du cr\u00e9dit disponible dans la marge de cr\u00e9dit hypoth\u00e9caire augmentera jusqu\u2019\u00e0 cette limite de cr\u00e9dit \u00e0 mesure que vous rembourserez le capital de votre pr\u00eat hypoth\u00e9caire.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb213167&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925858377{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb782492&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]La plupart des grandes institutions financi\u00e8res offrent une marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 une hypoth\u00e8que sous leur propre marque.[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb153484&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb144074&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925864928{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb157034&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]\u00c0 mesure que votre valeur nette augmente, le montant que vous pouvez emprunter avec votre marge de cr\u00e9dit hypoth\u00e9caire augmente \u00e9galement.[\/vc_custom_heading][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb323750&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb133147&Prime;]The following example is for illustration purposes only. Say you\u2019ve purchased a home for $400,000 and made an $80,000 down payment. Your mortgage balance owing is $320,000. The credit limit of your home equity line of credit will be fixed at a maximum of 65% of the purchase price or $260,000.<\/p>\n<p>This example assumes a 4% interest rate on your mortgage and a 25-year amortization period. Amounts are based on the end of each year.<\/p>\n<p>Figure 1 shows that as you make regular mortgage payments and your mortgage balance goes dow<\/p>\n<p>L\u2019exemple suivant est \u00e0 des fins d\u2019illustration uniquement. Supposons que vous ayez achet\u00e9 une maison pour 400 000 $ et effectu\u00e9 un acompte de 80 000 $. Le solde de votre pr\u00eat hypoth\u00e9caire est de 320 000 $. La limite de cr\u00e9dit de votre marge de cr\u00e9dit hypoth\u00e9caire sera fix\u00e9e \u00e0 un maximum de 65% du prix d\u2019achat ou 260 000 $.<\/p>\n<p>Cet exemple suppose un taux d\u2019int\u00e9r\u00eat de 4% sur votre pr\u00eat hypoth\u00e9caire et une p\u00e9riode d\u2019amortissement de 25 ans. Les montants sont bas\u00e9s \u00e0 la fin de chaque ann\u00e9e.<\/p>\n<p>Figure 1 montre qu\u2019\u00e0 mesure que vous effectuez des versements hypoth\u00e9caires r\u00e9guliers et que le solde de votre pr\u00eat hypoth\u00e9caire diminue, la valeur nette de votre maison augmente. La valeur nette est la partie de votre maison que vous avez rembours\u00e9e au moyen de votre mise de fonds et des versements r\u00e9guliers du capital.<\/p>\n<p>\u00c0 mesure que votre valeur nette augmente, le montant que vous pouvez emprunter avec votre marge de cr\u00e9dit hypoth\u00e9caire augmente \u00e9galement.<\/p>\n<p>n, the equity in your home increases. Equity is the part of your home that you\u2019ve paid down through your down payment and regular payments of principal.<\/p>\n<p>As your equity increases, the amount you can borrow with your home equity line of credit also increases.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; back_image=\u00a0\u00bb75149&Prime; back_repeat=\u00a0\u00bbno-repeat\u00a0\u00bb back_position=\u00a0\u00bbcenter center\u00a0\u00bb overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb178061&Prime; el_class=\u00a0\u00bbscaling-chart-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb4&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb117921&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb2&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/2&Prime; uncode_shortcode_id=\u00a0\u00bb145295&Prime; el_class=\u00a0\u00bbscaling-chart-description\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh4&Prime; text_size=\u00a0\u00bbh4&Prime; uncode_shortcode_id=\u00a0\u00bb128173&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Figure 1: Marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 une hypoth\u00e8que[\/vc_custom_heading][vc_column_text uncode_shortcode_id=\u00a0\u00bb295172&Prime;]<\/p>\n<h6><span style=\"color: #ffffff;\">Figure 1 \u2013 Version \u00e9crite<\/span><\/h6>\n<p><span style=\"color: #ffffff;\">Vous pouvez voir que votre marge de cr\u00e9dit hypoth\u00e9caire n\u2019a pas augment\u00e9 au cours de l\u2019ann\u00e9e 25. C\u2019est parce que vous avez d\u00e9j\u00e0 atteint la limite de cr\u00e9dit maximale pour votre marge de cr\u00e9dit hypoth\u00e9caire au cours de l\u2019ann\u00e9e 24.<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/2&Prime; uncode_shortcode_id=\u00a0\u00bb190267&Prime; css=\u00a0\u00bb.vc_custom_1634928844946{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;}\u00a0\u00bb el_class=\u00a0\u00bbscaling-chart-img\u00a0\u00bb back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][vc_single_image media=\u00a0\u00bb1782&Prime; media_width_percent=\u00a0\u00bb100&Prime; alignment=\u00a0\u00bbcenter\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb139042&Prime;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb121676&Prime; el_class=\u00a0\u00bbCMHC-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb940399&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb169521&Prime;]<\/p>\n<h3>Acheter une maison avec une marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 un pr\u00eat hypoth\u00e9caire<\/h3>\n<p>Vous pouvez financer une partie de l\u2019achat de votre maison avec votre marge de cr\u00e9dit hypoth\u00e9caire et une autre avec l\u2019hypoth\u00e8que \u00e0 terme fixe. Vous pouvez d\u00e9cider avec votre pr\u00eateur comment utiliser ces deux parties pour financer l\u2019achat de votre maison.<\/p>\n<p>Vous avez besoin d\u2019un acompte de 20% ou d\u2019une valeur nette de 20% dans votre maison. Vous aurez besoin d\u2019une mise de fonds ou d\u2019une valeur nette plus \u00e9lev\u00e9e si vous souhaitez financer votre maison avec une simple marge de cr\u00e9dit hypoth\u00e9caire. La partie de votre maison que vous pouvez financer avec votre marge de cr\u00e9dit hypoth\u00e9caire ne peut pas \u00eatre sup\u00e9rieure \u00e0 65% de son prix d\u2019achat ou de sa valeur marchande. Vous pouvez financer votre maison jusqu\u2019\u00e0 80% de son prix d\u2019achat ou de sa valeur marchande, mais le montant restant au-dessus de 65% doit \u00eatre sur une hypoth\u00e8que \u00e0 terme fixe.<\/p>\n<p>Par exemple, vous achetez une maison pour 400 000 $, faites un acompte de 80 000 $ et le solde de votre pr\u00eat hypoth\u00e9caire est de 320 000 $. Le maximum que vous seriez autoris\u00e9 \u00e0 financer avec votre marge de cr\u00e9dit hypoth\u00e9caire est de 260 000 $ (400 000 $ x 65%). Les 60 000 $ restants (320 000 $ \u2013 260 000 $) doivent \u00eatre financ\u00e9s par une hypoth\u00e8que \u00e0 terme fixe.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb213167&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925858377{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb648258&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Vous aurez besoin d\u2019une mise de fonds ou d\u2019une valeur nette plus \u00e9lev\u00e9e si vous souhaitez financer votre maison avec une simple marge de cr\u00e9dit hypoth\u00e9caire.[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb153484&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb124725&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1638479249599{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb908657&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Vous pouvez \u00e9galement utiliser votre marge de cr\u00e9dit hypoth\u00e9caire pour rembourser vos dettes envers d\u2019autres pr\u00eateurs.[\/vc_custom_heading][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb185773&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb764006&Prime;]<b>Cr\u00e9ation de sous-comptes dans une marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 une hypoth\u00e8que<\/b><\/p>\n<p>Une marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 un pr\u00eat hypoth\u00e9caire peut inclure d\u2019autres formes de cr\u00e9dit et des produits bancaires sous une seule limite de cr\u00e9dit, comme:<\/p>\n<ul>\n<li>pr\u00eats personnels<\/li>\n<li>cartes de cr\u00e9dit<\/li>\n<li>pr\u00eats auto<\/li>\n<li>pr\u00eats aux entreprises<\/li>\n<\/ul>\n<p>Vous pourrez peut-\u00eatre configurer ces pr\u00eats et produits de cr\u00e9dit en tant que sous-comptes dans votre marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 une hypoth\u00e8que. Ces diff\u00e9rents pr\u00eats et produits de cr\u00e9dit peuvent avoir des taux d\u2019int\u00e9r\u00eat et des conditions diff\u00e9rents de ceux de votre marge de cr\u00e9dit hypoth\u00e9caire.<\/p>\n<p>Vous pouvez \u00e9galement utiliser votre marge de cr\u00e9dit hypoth\u00e9caire pour rembourser vos dettes envers d\u2019autres pr\u00eateurs.<\/p>\n<p>Il est important d\u2019\u00eatre disciplin\u00e9 lorsque vous utilisez une marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 un pr\u00eat hypoth\u00e9caire pour \u00e9viter de contracter plus de dettes que vous ne pouvez vous permettre de rembourser.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb381832&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb121676&Prime; el_class=\u00a0\u00bbCMHC-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb4&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb168726&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb172700&Prime; el_class=\u00a0\u00bbCMHC-first-block-img\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb387636&Prime;]MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE AUTONOME[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb966986&Prime;]Une marge de cr\u00e9dit hypoth\u00e9caire autonome est un produit de cr\u00e9dit renouvelable garanti par votre maison. Ce produit n\u2019est pas li\u00e9 \u00e0 votre hypoth\u00e8que.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb589192&Prime;]La limite de cr\u00e9dit maximale sur une marge de cr\u00e9dit hypoth\u00e9caire autonome<\/p>\n<ul>\n<li>peut aller jusqu\u2019\u00e0 65% du prix d\u2019achat de votre maison ou la valeur marchande<br \/>\nn\u2019augmentera pas \u00e0 mesure que vous rembourserez le capital hypoth\u00e9caire<\/li>\n<\/ul>\n<p>Vous pouvez demander une marge de cr\u00e9dit hypoth\u00e9caire autonome aupr\u00e8s de tout pr\u00eateur qui la propose.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb213167&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925858377{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb134002&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Vous pouvez demander une marge de cr\u00e9dit hypoth\u00e9caire autonome aupr\u00e8s de tout pr\u00eateur qui la propose.[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb153484&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb144074&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925864928{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb149547&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Une marge de cr\u00e9dit hypoth\u00e9caire autonome peut remplacer un pr\u00eat hypoth\u00e9caire.[\/vc_custom_heading][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb323750&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb162962&Prime;]<b>Substitut pour une hypoth\u00e8que<\/b><\/p>\n<p>Une marge de cr\u00e9dit hypoth\u00e9caire autonome peut remplacer un pr\u00eat hypoth\u00e9caire. Vous pouvez l\u2019utiliser \u00e0 la place d\u2019une hypoth\u00e8que pour acheter une maison.<\/p>\n<p>L\u2019achat d\u2019une maison avec une marge de cr\u00e9dit hypoth\u00e9caire au lieu d\u2019un pr\u00eat hypoth\u00e9caire traditionnel signifie:<\/p>\n<ul>\n<li>vous n\u2019\u00eates pas tenu de rembourser le principal et les int\u00e9r\u00eats selon un calendrier de paiement fixe<\/li>\n<li>il y a un acompte minimum plus \u00e9lev\u00e9 ou plus de fonds propres requis (au moins 35% du prix d\u2019achat ou de la valeur marchande)<\/li>\n<\/ul>\n<p>Utiliser une marge de cr\u00e9dit hypoth\u00e9caire comme substitut d\u2019un pr\u00eat hypoth\u00e9caire peut offrir de la flexibilit\u00e9. Vous pouvez choisir le montant du capital que vous souhaitez rembourser \u00e0 tout moment. Vous pouvez \u00e9galement rembourser la totalit\u00e9 du solde \u00e0 tout moment sans payer de p\u00e9nalit\u00e9 pour pr\u00e9paiement.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2&Prime; top_padding=\u00a0\u00bb3&Prime; bottom_padding=\u00a0\u00bb3&Prime; back_image=\u00a0\u00bb74032&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb898781&Prime; el_class=\u00a0\u00bbanother-great-reason-cta\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb86&Prime; align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb2&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb166572&Prime;][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb648841&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]PR\u00caTS SUR VALEUR DOMICILIAIRE[\/vc_custom_heading][vc_column_text uncode_shortcode_id=\u00a0\u00bb722918&Prime;]Un pr\u00eat sur valeur domiciliaire est diff\u00e9rent d\u2019une marge de cr\u00e9dit hypoth\u00e9caire. Avec un pr\u00eat sur valeur domiciliaire, vous recevez un paiement forfaitaire unique. Cela peut repr\u00e9senter jusqu\u2019\u00e0 80% de la valeur de votre maison. Vous payez des int\u00e9r\u00eats sur la totalit\u00e9 du montant.<\/p>\n<p>Le pr\u00eat n\u2019est pas un cr\u00e9dit renouvelable. Vous devez rembourser des montants fixes sur une dur\u00e9e et un calendrier fixes. Vos paiements couvrent le capital et les int\u00e9r\u00eats.[\/vc_column_text][vc_button button_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb border_width=\u00a0\u00bb0&Prime; link=\u00a0\u00bburl:https%3A%2F%2Fwww.canada.ca%2Fen%2Ffinancial-consumer-agency%2Fservices%2Fmortgages%2Fborrow-home-equity.html|target:_blank\u00a0\u00bb button_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb762945&Prime;]EN SAVOIR PLUS SUR LES EMPRUNTS SUR LA VALEUR DOMICILIAIRE[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2&Prime; top_padding=\u00a0\u00bb3&Prime; bottom_padding=\u00a0\u00bb3&Prime; back_image=\u00a0\u00bb76125&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_visibility=\u00a0\u00bbyes\u00a0\u00bb mobile_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb180535&Prime; el_class=\u00a0\u00bbbuying-home-first-section\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb60&Prime; position_horizontal=\u00a0\u00bbleft\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb620349&Prime; el_class=\u00a0\u00bbbuying-home-first-block\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb207808&Prime;]ADMISSIBILIT\u00c9 \u00c0 UNE MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb110060&Prime;]Vous ne devez \u00eatre admissible et \u00eatre approuv\u00e9 qu\u2019une seule fois pour une marge de cr\u00e9dit hypoth\u00e9caire. Une fois votre approbation approuv\u00e9e, vous pouvez acc\u00e9der \u00e0 votre marge de cr\u00e9dit hypoth\u00e9caire quand vous le souhaitez.<\/p>\n<p><strong>Vous aurez besoin de:<\/strong><\/p>\n<ul>\n<li>un acompte minimum ou un capital de 20%, ou<\/li>\n<li>une mise de fonds minimale ou une valeur nette de 35% si vous souhaitez utiliser une marge de cr\u00e9dit hypoth\u00e9caire autonome comme substitut d\u2019un pr\u00eat hypoth\u00e9caire<\/li>\n<\/ul>\n<p><strong>Avant de vous approuver pour une marge de cr\u00e9dit hypoth\u00e9caire, votre pr\u00eateur exigera \u00e9galement que vous ayez:<\/strong><\/p>\n<ul>\n<li>une cote de cr\u00e9dit acceptable<\/li>\n<li>preuve d\u2019un revenu suffisant et stable<\/li>\n<li>un niveau d\u2019endettement acceptable par rapport \u00e0 vos revenus<\/li>\n<\/ul>\n<p>Pour \u00eatre admissible \u00e0 une marge de cr\u00e9dit hypoth\u00e9caire aupr\u00e8s d\u2019une banque, vous devrez passer un \u00abtest de r\u00e9sistance\u00bb. Vous devrez prouver que vous pouvez vous permettre des paiements \u00e0 un taux d\u2019int\u00e9r\u00eat admissible qui est g\u00e9n\u00e9ralement sup\u00e9rieur au taux r\u00e9el de votre contrat.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; desktop_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb726827&Prime; css=\u00a0\u00bb.vc_custom_1636729197963{margin-bottom: -50px !important;}\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb153913&Prime;][vc_single_image media=\u00a0\u00bb76127&Prime; media_width_percent=\u00a0\u00bb100&Prime; alignment=\u00a0\u00bbcenter\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb182265&Prime;][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb122723&Prime;]ADMISSIBILIT\u00c9 \u00c0 UNE MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb149972&Prime;]Vous ne devez \u00eatre admissible et \u00eatre approuv\u00e9 qu\u2019une seule fois pour une marge de cr\u00e9dit hypoth\u00e9caire. Une fois votre approbation approuv\u00e9e, vous pouvez acc\u00e9der \u00e0 votre marge de cr\u00e9dit hypoth\u00e9caire quand vous le souhaitez.<\/p>\n<p><strong>Vous aurez besoin de:<\/strong><\/p>\n<ul>\n<li>un acompte minimum ou un capital de 20%, ou<\/li>\n<li>une mise de fonds minimale ou une valeur nette de 35% si vous souhaitez utiliser une marge de cr\u00e9dit hypoth\u00e9caire autonome comme substitut d\u2019un pr\u00eat hypoth\u00e9caire<\/li>\n<\/ul>\n<p><strong>Avant de vous approuver pour une marge de cr\u00e9dit hypoth\u00e9caire, votre pr\u00eateur exigera \u00e9galement que vous ayez:<\/strong><\/p>\n<ul>\n<li>une cote de cr\u00e9dit acceptable<\/li>\n<li>preuve d\u2019un revenu suffisant et stable<\/li>\n<li>un niveau d\u2019endettement acceptable par rapport \u00e0 vos revenus<\/li>\n<\/ul>\n<p>Pour \u00eatre admissible \u00e0 une marge de cr\u00e9dit hypoth\u00e9caire aupr\u00e8s d\u2019une banque, vous devrez passer un \u00abtest de r\u00e9sistance\u00bb. Vous devrez prouver que vous pouvez vous permettre des paiements \u00e0 un taux d\u2019int\u00e9r\u00eat admissible qui est g\u00e9n\u00e9ralement sup\u00e9rieur au taux r\u00e9el de votre contrat.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb121676&Prime; el_class=\u00a0\u00bbCMHC-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb142239&Prime;]Les coop\u00e9ratives de cr\u00e9dit et les autres pr\u00eateurs qui ne sont pas sous r\u00e9glementation f\u00e9d\u00e9rale peuvent choisir d\u2019utiliser ce test de r\u00e9sistance lorsque vous demandez une marge de cr\u00e9dit hypoth\u00e9caire. Ils ne sont pas tenus de le faire.<\/p>\n<p>La banque doit utiliser le taux d\u2019int\u00e9r\u00eat le plus \u00e9lev\u00e9 soit:<\/p>\n<ul>\n<li><a href=\"http:\/\/www.bankofcanada.ca\/rates\/interest-rates\/canadian-interest-rates\/?lookupPage=lookup_canadian_interest.php&amp;startRange=2007-10-24&amp;rangeType=dates&amp;dFrom=&amp;dTo=&amp;rangeValue=1&amp;rangeWeeklyValue=1&amp;rangeMonthlyValue=1&amp;ByDate_frequency=daily&amp;series%5B%5D=LOOKUPS_V121764&amp;submit_button=Submit\" target=\"_blank\" rel=\"noopener noreferrer\">le taux hypoth\u00e9caire conventionnel de cinq ans de la Banque du Canada<\/a><\/li>\n<li>le taux d\u2019int\u00e9r\u00eat que vous n\u00e9gociez avec votre pr\u00eateur, plus 2%<\/li>\n<\/ul>\n<p>Si vous \u00eates propri\u00e9taire de votre maison et que vous souhaitez utiliser la valeur nette de votre maison pour obtenir une marge de cr\u00e9dit hypoth\u00e9caire, vous devrez \u00e9galement:<\/p>\n<ul>\n<li>fournir la preuve que vous \u00eates propri\u00e9taire de votre maison<\/li>\n<li>fournir les d\u00e9tails de votre pr\u00eat hypoth\u00e9caire, comme le solde actuel du pr\u00eat hypoth\u00e9caire, la dur\u00e9e et la p\u00e9riode d\u2019amortissement<\/li>\n<li>demandez \u00e0 votre pr\u00eateur d\u2019\u00e9valuer la valeur de votre maison<\/li>\n<\/ul>\n<p>Vous aurez besoin d\u2019un avocat (ou d\u2019un notaire au Qu\u00e9bec) ou d\u2019une soci\u00e9t\u00e9 de services de titres pour enregistrer votre maison en garantie. Demandez \u00e0 votre pr\u00eateur pour plus de d\u00e9tails.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb213167&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925858377{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb424757&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Vous aurez besoin d\u2019un avocat (ou d\u2019un notaire au Qu\u00e9bec) ou d\u2019une soci\u00e9t\u00e9 de services de titres pour enregistrer votre maison en garantie.[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb146430&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb121676&Prime; el_class=\u00a0\u00bbCMHC-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb4&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb168726&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb172700&Prime; el_class=\u00a0\u00bbCMHC-first-block-img\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb180520&Prime;]CONSEILS AVANT D\u2019OBTENIR UNE MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb197383&Prime;]<\/p>\n<ul>\n<li>D\u00e9terminez si vous avez besoin d\u2019un cr\u00e9dit suppl\u00e9mentaire pour atteindre vos objectifs ou si vous pourriez cr\u00e9er et utiliser des \u00e9conomies \u00e0 la place.<\/li>\n<li>Si vous d\u00e9cidez que vous avez besoin de cr\u00e9dit, consid\u00e9rez les \u00e9l\u00e9ments importants tels que la flexibilit\u00e9, les frais, les taux d\u2019int\u00e9r\u00eat et les conditions g\u00e9n\u00e9rales.<\/li>\n<li>\u00c9tablissez un plan clair de la fa\u00e7on dont vous utiliserez l\u2019argent que vous empruntez<\/li>\n<li>Cr\u00e9ez un budget r\u00e9aliste pour vos projets<\/li>\n<li>D\u00e9terminez la limite de cr\u00e9dit dont vous avez besoin<\/li>\n<li>Magasinez et n\u00e9gociez avec diff\u00e9rents pr\u00eateurs<\/li>\n<li>Cr\u00e9ez un calendrier de remboursement et respectez-le<\/li>\n<\/ul>\n<h3>QUESTIONS \u00c0 POSER AUX PR\u00caTEURS<\/h3>\n<ul>\n<li>De quoi ont-ils besoin pour vous qualifier<\/li>\n<li>Quel est le meilleur taux d\u2019int\u00e9r\u00eat qu\u2019ils peuvent vous offrir<\/li>\n<li>Quel pr\u00e9avis recevrez-vous avant une augmentation des taux d\u2019int\u00e9r\u00eat?<\/li>\n<li>Quels frais s\u2019appliquent<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb213167&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925858377{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb191663&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]APRENEZ-EN DAVANTAGE SUR LES \u00c9L\u00c9MENTS \u00c0 PRENDRE EN COMPTE AVANT D\u2019EMPRUNTER DE L\u2019ARGENT.[\/vc_custom_heading][vc_button button_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb border_width=\u00a0\u00bb0&Prime; link=\u00a0\u00bburl:https%3A%2F%2Fwww.canada.ca%2Fen%2Ffinancial-consumer-agency%2Fservices%2Floans%2Fconsider-borrow.html|target:_blank\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb164885&Prime; button_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]En savoir plus[\/vc_button][\/vc_column_inner][\/vc_row_inner][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb146430&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb121676&Prime; el_class=\u00a0\u00bbCMHC-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb4&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb168726&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb172700&Prime; el_class=\u00a0\u00bbCMHC-first-block-img\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb143395&Prime;]AVANTAGES ET INCONV\u00c9NIENTS D\u2019UNE MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/2&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb114634&Prime;]<\/p>\n<h3>Les avantages des marges de cr\u00e9dit sur valeur domiciliaire comprennent:<\/h3>\n<ul>\n<li>acc\u00e8s facile au cr\u00e9dit disponible<\/li>\n<li>des taux d\u2019int\u00e9r\u00eat souvent inf\u00e9rieurs \u00e0 ceux d\u2019autres types de cr\u00e9dit (en particulier les pr\u00eats non garantis et les cartes de cr\u00e9dit)<\/li>\n<li>vous ne payez des int\u00e9r\u00eats que sur le montant que vous empruntez<\/li>\n<li>vous pouvez rembourser l\u2019argent que vous empruntez \u00e0 tout moment sans p\u00e9nalit\u00e9 de remboursement anticip\u00e9<\/li>\n<li>vous pouvez emprunter autant que vous le souhaitez jusqu\u2019\u00e0 votre limite de cr\u00e9dit disponible<\/li>\n<li>il est flexible et peut \u00eatre configur\u00e9 pour r\u00e9pondre \u00e0 vos besoins d\u2019emprunt<\/li>\n<li>vous pouvez consolider vos dettes, souvent \u00e0 un taux d\u2019int\u00e9r\u00eat inf\u00e9rieur<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/2&Prime;][vc_column_text uncode_shortcode_id=\u00a0\u00bb203520&Prime;]<\/p>\n<h3>Les inconv\u00e9nients des marges de cr\u00e9dit sur valeur domiciliaire comprennent:<\/h3>\n<ul>\n<li>il faut de la discipline pour le rembourser, car vous n\u2019\u00eates g\u00e9n\u00e9ralement tenu de payer que des int\u00e9r\u00eats mensuels<\/li>\n<li>de grands montants de cr\u00e9dit disponibles peuvent faciliter la d\u00e9pense de montants plus \u00e9lev\u00e9s et le maintien de dettes pendant une longue p\u00e9riode<\/li>\n<li>pour transf\u00e9rer votre pr\u00eat hypoth\u00e9caire \u00e0 un autre pr\u00eateur, vous devrez peut-\u00eatre rembourser la totalit\u00e9 de votre marge de cr\u00e9dit hypoth\u00e9caire et tous les produits de cr\u00e9dit que vous avez avec<\/li>\n<li>votre pr\u00eateur peut prendre possession de votre maison si vous manquez des paiements m\u00eame apr\u00e8s avoir travaill\u00e9 avec votre pr\u00eateur sur un plan de remboursement<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/2&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb195391&Prime;]<\/p>\n<h3>Voici certains des inconv\u00e9nients d\u2019une marge de cr\u00e9dit hypoth\u00e9caire qui sont \u00e9galement vrais pour d\u2019autres pr\u00eats:<\/h3>\n<ul>\n<li>les taux d\u2019int\u00e9r\u00eat variables peuvent changer, ce qui pourrait augmenter vos paiements d\u2019int\u00e9r\u00eats mensuels (votre pr\u00eateur vous avisera de tout changement)<\/li>\n<li>votre pr\u00eateur peut r\u00e9duire votre limite de cr\u00e9dit \u00e0 tout moment (votre pr\u00eateur vous avisera de tout changement)<\/li>\n<li>votre pr\u00eateur a le droit d\u2019exiger que vous payiez le montant total \u00e0 tout moment<\/li>\n<li>votre cote de cr\u00e9dit diminue si vous n\u2019effectuez pas les paiements minimums requis par votre pr\u00eateur<\/li>\n<\/ul>\n<h3>Comprendre votre contrat de marge de cr\u00e9dit hypoth\u00e9caire<\/h3>\n<p>Magasinez aupr\u00e8s de diff\u00e9rents pr\u00eateurs pour trouver une marge de cr\u00e9dit hypoth\u00e9caire qui r\u00e9pond \u00e0 vos besoins.<\/p>\n<p>Chaque contrat de marge de cr\u00e9dit hypoth\u00e9caire peut avoir des modalit\u00e9s et conditions diff\u00e9rentes. Lisez-les attentivement. Demandez \u00e0 votre pr\u00eateur tout ce que vous ne comprenez pas.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][\/vc_column_inner][\/vc_row_inner][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb146430&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb121676&Prime; el_class=\u00a0\u00bbCMHC-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb4&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb168726&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb172700&Prime; el_class=\u00a0\u00bbCMHC-first-block-img\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb221127&Prime;]TAUX D\u2019INT\u00c9R\u00caT[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb698328&Prime;]Les marges de cr\u00e9dit hypoth\u00e9caire peuvent avoir des taux d\u2019int\u00e9r\u00eat diff\u00e9rents selon leur configuration.<\/p>\n<p>Elles ont g\u00e9n\u00e9ralement un taux d\u2019int\u00e9r\u00eat variable bas\u00e9 sur le taux d\u2019int\u00e9r\u00eat pr\u00e9f\u00e9rentiel d\u2019un pr\u00eateur. Le taux d\u2019int\u00e9r\u00eat pr\u00e9f\u00e9rentiel du pr\u00eateur est fix\u00e9 par une institution financi\u00e8re comme taux de d\u00e9part pour ses pr\u00eats variables, tels que les hypoth\u00e8ques et les marges de cr\u00e9dit.<\/p>\n<p>Par exemple, une marge de cr\u00e9dit hypoth\u00e9caire peut avoir un taux d\u2019int\u00e9r\u00eat pr\u00e9f\u00e9rentiel plus un pour cent. Si le taux d\u2019int\u00e9r\u00eat pr\u00e9f\u00e9rentiel du pr\u00eateur est de 2,85%, votre marge de cr\u00e9dit hypoth\u00e9caire aurait un taux d\u2019int\u00e9r\u00eat de 3,85% (2,85% + 1%).<\/p>\n<p>Vous pouvez essayer de n\u00e9gocier les taux d\u2019int\u00e9r\u00eat avec votre pr\u00eateur.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb213167&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925858377{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb181469&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]APPRENEZ \u00c0 VOUS PROT\u00c9GER CONTRE LA HAUSSE DES TAUX D\u2019INT\u00c9R\u00caT.[\/vc_custom_heading][vc_button button_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb border_width=\u00a0\u00bb0&Prime; link=\u00a0\u00bburl:https%3A%2F%2Fwww.canada.ca%2Fen%2Ffinancial-consumer-agency%2Fservices%2Finterest-rates-rise.html|target:_blank\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb255012&Prime; button_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]En savoir plus[\/vc_button][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb132028&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb130643&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1638480316543{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb103903&Prime;]<\/p>\n<h4><span style=\"color: #ffffff;\">Les pr\u00eateurs prendront en consid\u00e9ration:<\/span><\/h4>\n<ul>\n<li><span style=\"color: #ffffff;\">votre cote de cr\u00e9ditvotre cote de cr\u00e9dit<\/span><\/li>\n<li><span style=\"color: #ffffff;\">stabilit\u00e9 du revenu<\/span><\/li>\n<li><span style=\"color: #ffffff;\">valeur nette<\/span><\/li>\n<li><span style=\"color: #ffffff;\">le prix de votre maison<\/span><\/li>\n<li><span style=\"color: #ffffff;\">toute relation existante que vous pourriez avoir avec eux<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb147139&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb811993&Prime;]Parlez-leur de toutes les offres que vous avez re\u00e7ues d\u2019autres pr\u00eateurs.<\/p>\n<p>Votre pr\u00eateur peut modifier ces taux \u00e0 tout moment. Votre pr\u00eateur doit vous avertir en cas de changement. Toute modification du taux pr\u00e9f\u00e9rentiel affecte le taux d\u2019int\u00e9r\u00eat de votre marge de cr\u00e9dit hypoth\u00e9caire et le montant de vos paiements.<\/p>\n<p>Assurez-vous de n\u2019emprunter que de l\u2019argent que vous pouvez rembourser. Cela vous aidera \u00e0 g\u00e9rer une augmentation potentielle des taux d\u2019int\u00e9r\u00eat.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb146430&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2&Prime; top_padding=\u00a0\u00bb3&Prime; bottom_padding=\u00a0\u00bb3&Prime; back_image=\u00a0\u00bb74032&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; desktop_visibility=\u00a0\u00bbyes\u00a0\u00bb medium_visibility=\u00a0\u00bbyes\u00a0\u00bb mobile_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb117619&Prime; el_class=\u00a0\u00bbanother-great-reason-cta\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb100&Prime; align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb2&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb267011&Prime;][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb802685&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]LEARN ABOUT PROTECTING YOURSELF AGAINST RISING INTEREST RATES.[\/vc_custom_heading][vc_button button_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb border_width=\u00a0\u00bb0&Prime; link=\u00a0\u00bburl:https%3A%2F%2Fwww.canada.ca%2Fen%2Ffinancial-consumer-agency%2Fservices%2Finterest-rates-rise.html|target:_blank\u00a0\u00bb button_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb332557&Prime;]LEARN MORE [\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2&Prime; top_padding=\u00a0\u00bb3&Prime; bottom_padding=\u00a0\u00bb3&Prime; back_image=\u00a0\u00bb76133&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_visibility=\u00a0\u00bbyes\u00a0\u00bb mobile_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb179851&Prime; el_class=\u00a0\u00bbbuying-home-first-section\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb60&Prime; position_horizontal=\u00a0\u00bbleft\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb620349&Prime; el_class=\u00a0\u00bbbuying-home-first-block\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb166852&Prime;]FRAIS[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb435725&Prime;]Les frais peuvent varier selon les marges de cr\u00e9dit hypoth\u00e9caire.<\/p>\n<p>Certains frais courants comprennent:<\/p>\n<ul>\n<li>frais d\u2019\u00e9valuation de la maison: votre pr\u00eateur facture ces frais pour envoyer quelqu\u2019un \u00e9valuer la valeur de votre maison<\/li>\n<li>les frais juridiques: votre avocat (ou notaire au Qu\u00e9bec) ou votre soci\u00e9t\u00e9 de services de titres facture ces frais pour enregistrer les\u00a0<a href=\"https:\/\/wilsonteam.ca\/fr\/collateral-charge-mortgages\/\" target=\"_blank\" rel=\"noopener noreferrer\">frais accessoires<\/a>\u00a0sur votre maison<\/li>\n<li>frais de recherche de titre: il s\u2019agit d\u2019un autre frais juridique pour s\u2019assurer qu\u2019il n\u2019y a pas de privil\u00e8ges sur votre maison<\/li>\n<li>frais d\u2019administration: votre pr\u00eateur facture ces frais pour la cr\u00e9ation et la gestion de votre compte<\/li>\n<li>frais de lib\u00e9ration ou d\u2019annulation: votre pr\u00eateur ou votre notaire (au Qu\u00e9bec) facture ces frais si vous annulez votre marge de cr\u00e9dit hypoth\u00e9caire et supprimez les\u00a0<a href=\"https:\/\/wilsonteam.ca\/fr\/collateral-charge-mortgages\/\" target=\"_blank\" rel=\"noopener noreferrer\">frais accessoires<\/a>\u00a0du titre de votre maison<\/li>\n<\/ul>\n<p>Demandez \u00e0 votre pr\u00eateur de vous indiquer tous les frais li\u00e9s \u00e0 votre marge de cr\u00e9dit hypoth\u00e9caire.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; desktop_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb726827&Prime; css=\u00a0\u00bb.vc_custom_1636729197963{margin-bottom: -50px !important;}\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb153913&Prime;][vc_single_image media=\u00a0\u00bb76135&Prime; media_width_percent=\u00a0\u00bb100&Prime; alignment=\u00a0\u00bbcenter\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb388871&Prime;][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb166852&Prime;]FRAIS[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb144324&Prime;]Les frais peuvent varier selon les marges de cr\u00e9dit hypoth\u00e9caire.<\/p>\n<p>Certains frais courants comprennent:<\/p>\n<ul>\n<li>frais d\u2019\u00e9valuation de la maison: votre pr\u00eateur facture ces frais pour envoyer quelqu\u2019un \u00e9valuer la valeur de votre maison<\/li>\n<li>les frais juridiques: votre avocat (ou notaire au Qu\u00e9bec) ou votre soci\u00e9t\u00e9 de services de titres facture ces frais pour enregistrer les\u00a0<a href=\"https:\/\/wilsonteam.ca\/collateral-charge-mortgages\/\" target=\"_blank\" rel=\"noopener noreferrer\">frais accessoires<\/a>\u00a0sur votre maison<\/li>\n<li>frais de recherche de titre: il s\u2019agit d\u2019un autre frais juridique pour s\u2019assurer qu\u2019il n\u2019y a pas de privil\u00e8ges sur votre maison<\/li>\n<li>frais d\u2019administration: votre pr\u00eateur facture ces frais pour la cr\u00e9ation et la gestion de votre compte<\/li>\n<li>frais de lib\u00e9ration ou d\u2019annulation: votre pr\u00eateur ou votre notaire (au Qu\u00e9bec) facture ces frais si vous annulez votre marge de cr\u00e9dit hypoth\u00e9caire et supprimez les\u00a0<a href=\"https:\/\/wilsonteam.ca\/collateral-charge-mortgages\/\" target=\"_blank\" rel=\"noopener noreferrer\">frais accessoires<\/a>\u00a0du titre de votre maison<\/li>\n<\/ul>\n<p>Demandez \u00e0 votre pr\u00eateur de vous indiquer tous les frais li\u00e9s \u00e0 votre marge de cr\u00e9dit hypoth\u00e9caire.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb121676&Prime; el_class=\u00a0\u00bbCMHC-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb125146&Prime;]<\/p>\n<h3>PLANIFIEZ L\u2019UTILISATION DE VOTRE MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE<\/h3>\n<p>\u00c9tablissez un plan clair sur la fa\u00e7on dont vous utiliserez une marge de cr\u00e9dit hypoth\u00e9caire. Envisagez un calendrier de remboursement qui comprend plus qu\u2019un simple int\u00e9r\u00eat mensuel minimum. Faites un budget r\u00e9aliste pour tous les projets que vous souhaitez r\u00e9aliser.<\/p>\n<p>Vous pourrez peut-\u00eatre emprunter jusqu\u2019\u00e0 65% du prix d\u2019achat ou de la valeur marchande de votre maison sur une marge de cr\u00e9dit hypoth\u00e9caire. Cela ne signifie pas que vous devez emprunter la totalit\u00e9 du montant. Vous trouverez peut-\u00eatre plus facile de g\u00e9rer votre dette si vous empruntez moins d\u2019argent.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb213167&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925858377{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb145862&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Vous trouverez peut-\u00eatre plus facile de g\u00e9rer votre dette si vous empruntez moins d\u2019argent.[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb132028&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb720741&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1638480746497{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb180327&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Les pr\u00eateurs peuvent vous approuver une limite sup\u00e9rieure \u00e0 celle dont vous avez besoin.[\/vc_custom_heading][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb147139&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb172935&Prime;]<\/p>\n<h3>CHOISISSEZ VOTRE LIMITE DE CR\u00c9DIT<\/h3>\n<p>Vous pouvez n\u00e9gocier la limite de cr\u00e9dit de votre marge de cr\u00e9dit hypoth\u00e9caire. Les pr\u00eateurs peuvent vous approuver une limite sup\u00e9rieure \u00e0 celle dont vous avez besoin. Cela peut rendre tentant de d\u00e9passer votre budget.<\/p>\n<p>Vous pouvez demander une limite de cr\u00e9dit inf\u00e9rieure \u00e0 votre pr\u00eateur si cela vous convient mieux. Cela peut vous emp\u00eacher d\u2019emprunter plus d\u2019argent que n\u00e9cessaire.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb158244&Prime;]<\/p>\n<h3>G\u00c9RER LES D\u00c9PENSES IMPR\u00c9VUES<\/h3>\n<p>L\u2019utilisation d\u2019une marge de cr\u00e9dit hypoth\u00e9caire pour g\u00e9rer des d\u00e9penses impr\u00e9vues ou des urgences (une perte d\u2019emploi, par exemple) signifie que vous empruntez de l\u2019argent pour payer vos frais de subsistance. Si vous empruntez de l\u2019argent pour couvrir vos factures mensuelles pendant une p\u00e9riode prolong\u00e9e, vous pourriez contracter plus de dettes que vous ne pouvez en rembourser.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb213167&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925858377{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb199256&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Soyez conscient des risques avant d\u2019utiliser une marge de cr\u00e9dit hypoth\u00e9caire pour des d\u00e9penses impr\u00e9vues[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2&Prime; top_padding=\u00a0\u00bb3&Prime; bottom_padding=\u00a0\u00bb3&Prime; back_image=\u00a0\u00bb74032&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb898781&Prime; el_class=\u00a0\u00bbanother-great-reason-cta\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb100&Prime; align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb2&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb122077&Prime;][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb176600&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]D\u00c9COUVREZ COMMENT CR\u00c9ER UN FONDS D\u2019URGENCE.[\/vc_custom_heading][vc_button button_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb border_width=\u00a0\u00bb0&Prime; link=\u00a0\u00bburl:https%3A%2F%2Fwww.canada.ca%2Fen%2Ffinancial-consumer-agency%2Fservices%2Fsavings-investments%2Fsetting-up-emergency-funds.html|target:_blank\u00a0\u00bb button_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb117123&Prime;]EN SAVOIR PLUS[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2&Prime; top_padding=\u00a0\u00bb3&Prime; bottom_padding=\u00a0\u00bb3&Prime; back_image=\u00a0\u00bb76142&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_visibility=\u00a0\u00bbyes\u00a0\u00bb mobile_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb158328&Prime; el_class=\u00a0\u00bbbuying-home-first-section\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb60&Prime; position_horizontal=\u00a0\u00bbleft\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb620349&Prime; el_class=\u00a0\u00bbbuying-home-first-block\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb741407&Prime;]CONSOLIDER LA DETTE[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb197001&Prime;]Vous pouvez envisager d\u2019utiliser une marge de cr\u00e9dit hypoth\u00e9caire pour consolider des dettes \u00e0 int\u00e9r\u00eat \u00e9lev\u00e9, comme les cartes de cr\u00e9dit. Un taux d\u2019int\u00e9r\u00eat plus bas peut vous aider \u00e0 g\u00e9rer votre dette, mais rappelez-vous qu\u2019il ne peut pas r\u00e9soudre la cause de votre dette. Vous devrez peut-\u00eatre prendre des mesures pour d\u00e9terminer comment vous d\u00e9pensez votre argent.<\/p>\n<p>Une \u00e9tape cl\u00e9 du remboursement de la dette consiste \u00e0 \u00e9tablir un plan de paiement. Une fa\u00e7on d\u2019y parvenir est de convertir une partie de votre marge de cr\u00e9dit hypoth\u00e9caire en dette avec des montants de remboursement fixes, un peu comme un pr\u00eat hypoth\u00e9caire.<\/p>\n<p>De cette fa\u00e7on, vous pouvez prendre l\u2019habitude d\u2019effectuer des paiements r\u00e9guliers. Le taux d\u2019int\u00e9r\u00eat et les conditions de la dette peuvent \u00eatre diff\u00e9rents de ceux de la marge de cr\u00e9dit hypoth\u00e9caire. Demandez \u00e0 votre pr\u00eateur plus d\u2019informations sur cette option.<\/p>\n<p>L\u2019\u00e9tablissement d\u2019un budget peut \u00e9galement \u00eatre un moyen utile de g\u00e9rer la dette. Vous pouvez ajuster vos d\u00e9penses au fur et \u00e0 mesure que vous remboursez votre dette.[\/vc_column_text][vc_button button_color=\u00a0\u00bbaccent\u00a0\u00bb border_width=\u00a0\u00bb0&Prime; link=\u00a0\u00bburl:https%3A%2F%2Fwww.canada.ca%2Fen%2Ffinancial-consumer-agency%2Fservices%2Fdebt%2Fplan-debt-free.html|target:_blank\u00a0\u00bb button_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb164179&Prime;]Faites un plan de paiement pour \u00e9liminer vos dettes[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; desktop_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb726827&Prime; css=\u00a0\u00bb.vc_custom_1636729197963{margin-bottom: -50px !important;}\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb153913&Prime;][vc_single_image media=\u00a0\u00bb76144&Prime; media_width_percent=\u00a0\u00bb100&Prime; alignment=\u00a0\u00bbcenter\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb585304&Prime;][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb173232&Prime;]CONSOLIDER LA DETTE[\/vc_custom_heading][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb173415&Prime;]Vous pouvez envisager d\u2019utiliser une marge de cr\u00e9dit hypoth\u00e9caire pour consolider des dettes \u00e0 int\u00e9r\u00eat \u00e9lev\u00e9, comme les cartes de cr\u00e9dit. Un taux d\u2019int\u00e9r\u00eat plus bas peut vous aider \u00e0 g\u00e9rer votre dette, mais rappelez-vous qu\u2019il ne peut pas r\u00e9soudre la cause de votre dette. Vous devrez peut-\u00eatre prendre des mesures pour d\u00e9terminer comment vous d\u00e9pensez votre argent.<\/p>\n<p>Une \u00e9tape cl\u00e9 du remboursement de la dette consiste \u00e0 \u00e9tablir un plan de paiement. Une fa\u00e7on d\u2019y parvenir est de convertir une partie de votre marge de cr\u00e9dit hypoth\u00e9caire en dette avec des montants de remboursement fixes, un peu comme un pr\u00eat hypoth\u00e9caire.<\/p>\n<p>De cette fa\u00e7on, vous pouvez prendre l\u2019habitude d\u2019effectuer des paiements r\u00e9guliers. Le taux d\u2019int\u00e9r\u00eat et les conditions de la dette peuvent \u00eatre diff\u00e9rents de ceux de la marge de cr\u00e9dit hypoth\u00e9caire. Demandez \u00e0 votre pr\u00eateur plus d\u2019informations sur cette option.<\/p>\n<p>L\u2019\u00e9tablissement d\u2019un budget peut \u00e9galement \u00eatre un moyen utile de g\u00e9rer la dette. Vous pouvez ajuster vos d\u00e9penses au fur et \u00e0 mesure que vous remboursez votre dette.[\/vc_column_text][vc_button button_color=\u00a0\u00bbaccent\u00a0\u00bb border_width=\u00a0\u00bb0&Prime; link=\u00a0\u00bburl:https%3A%2F%2Fwww.canada.ca%2Fen%2Ffinancial-consumer-agency%2Fservices%2Fdebt%2Fplan-debt-free.html|target:_blank\u00a0\u00bb button_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb167277&Prime;]Faites un plan de paiement pour \u00e9liminer vos dettes.[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb121676&Prime; el_class=\u00a0\u00bbCMHC-section\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/1&Prime;][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; inverted_device_order=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb174725&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb509199&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb386108&Prime;]<\/p>\n<h3>UTILISER DES MARGES DE CR\u00c9DIT SUR VALEUR DOMICILIAIRE POUR INVESTIR<\/h3>\n<p>Certaines personnes empruntent de l\u2019argent sur une marge de cr\u00e9dit hypoth\u00e9caire pour investir. Avant d\u2019investir de cette fa\u00e7on, d\u00e9terminez si vous pouvez tol\u00e9rer le niveau de risque.<\/p>\n<p>Les risques pourraient inclure une hausse des taux d\u2019int\u00e9r\u00eat sur votre marge de cr\u00e9dit hypoth\u00e9caire et une baisse de vos placements. Cela pourrait exercer une pression sur votre capacit\u00e9 \u00e0 rembourser l\u2019argent que vous avez emprunt\u00e9.<\/p>\n<h3>OBTENEZ DE L\u2019ARGENT SUR VOTRE MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE<\/h3>\n<p>Votre pr\u00eateur peut vous donner une carte pour acc\u00e9der \u00e0 l\u2019argent de votre marge de cr\u00e9dit hypoth\u00e9caire. Vous pouvez utiliser cette carte d\u2019acc\u00e8s pour effectuer des achats, obtenir de l\u2019argent aux guichets automatiques et effectuer des op\u00e9rations bancaires en ligne. Vous pouvez \u00e9galement recevoir des ch\u00e8ques.<\/p>\n<p>Ces cartes d\u2019acc\u00e8s ne fonctionnent pas comme une carte de cr\u00e9dit. L\u2019int\u00e9r\u00eat est calcul\u00e9 quotidiennement sur votre marge de cr\u00e9dit domiciliaire de retraits et d\u2019achats.<\/p>\n<p>Votre pr\u00eateur peut vous \u00e9mettre une carte de cr\u00e9dit comme sous-compte de votre marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 une hypoth\u00e8que. Ces cartes de cr\u00e9dit peuvent avoir un taux d\u2019int\u00e9r\u00eat plus \u00e9lev\u00e9 que votre marge de cr\u00e9dit hypoth\u00e9caire, mais un taux d\u2019int\u00e9r\u00eat inf\u00e9rieur \u00e0 la plupart des cartes de cr\u00e9dit.<\/p>\n<p>Demandez \u00e0 votre pr\u00eateur plus de d\u00e9tails sur la fa\u00e7on dont vous pouvez acc\u00e9der \u00e0 votre marge de cr\u00e9dit hypoth\u00e9caire.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb213167&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1634925858377{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb177471&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Votre pr\u00eateur peut vous \u00e9mettre une carte de cr\u00e9dit comme sous-compte de votre marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 une hypoth\u00e8que.[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=\u00a0\u00bb0&Prime; overlay_alpha=\u00a0\u00bb50&Prime; equal_height=\u00a0\u00bbyes\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb132028&Prime;][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; back_color=\u00a0\u00bbcolor-531944&Prime; overlay_alpha=\u00a0\u00bb50&Prime; border_color=\u00a0\u00bbcolor-531944&Prime; border_style=\u00a0\u00bbsolid\u00a0\u00bb shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/3&Prime; uncode_shortcode_id=\u00a0\u00bb720741&Prime; back_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1638480746497{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;}\u00a0\u00bb border_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_class=\u00a0\u00bbCMHC-white-heading\u00a0\u00bb][vc_custom_heading text_color=\u00a0\u00bbcolor-xsdn\u00a0\u00bb heading_semantic=\u00a0\u00bbh3&Prime; text_size=\u00a0\u00bbh3&Prime; uncode_shortcode_id=\u00a0\u00bb394912&Prime; text_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb]Vous pouvez \u00e9galement \u00eatre tenu de rembourser toutes les autres formes de cr\u00e9dit, telles que les cartes de cr\u00e9dit, qui peuvent \u00eatre incluses dans une marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 une hypoth\u00e8que.[\/vc_custom_heading][\/vc_column_inner][vc_column_inner column_width_percent=\u00a0\u00bb100&Prime; position_vertical=\u00a0\u00bbmiddle\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb2\/3&Prime; uncode_shortcode_id=\u00a0\u00bb147139&Prime; el_class=\u00a0\u00bbCHMC-description\u00a0\u00bb][vc_column_text uncode_shortcode_id=\u00a0\u00bb962799&Prime;]<\/p>\n<h3>TRANSF\u00c9REZ VOTRE MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE<\/h3>\n<p>Lorsque votre pr\u00eat hypoth\u00e9caire doit \u00eatre renouvel\u00e9, vous pouvez envisager de transf\u00e9rer votre pr\u00eat hypoth\u00e9caire et votre marge de cr\u00e9dit hypoth\u00e9caire. Vous devrez probablement payer des frais juridiques, administratifs, de d\u00e9charge et d\u2019enregistrement dans le cadre du changement.<\/p>\n<p>Vous pouvez \u00e9galement \u00eatre tenu de rembourser toutes les autres formes de cr\u00e9dit, telles que les cartes de cr\u00e9dit, qui peuvent \u00eatre incluses dans une marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9e \u00e0 une hypoth\u00e8que.<\/p>\n<p>Vous pourrez peut-\u00eatre n\u00e9gocier avec un pr\u00eateur pour couvrir certains frais de transfert des produits de cr\u00e9dit que vous pourriez avoir. Cela peut \u00eatre difficile si vous avez diff\u00e9rents sous-comptes dans votre marge de cr\u00e9dit hypoth\u00e9caire combin\u00e9s \u00e0 un pr\u00eat hypoth\u00e9caire qui ont des dates d\u2019\u00e9ch\u00e9ance diff\u00e9rentes.<\/p>\n<p>Demandez \u00e0 votre pr\u00eateur quels frais de transfert s\u2019appliquent.<\/p>\n<h3>ANNULEZ VOTRE MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE<\/h3>\n<p>Vous devez rembourser votre marge de cr\u00e9dit hypoth\u00e9caire avant de pouvoir l\u2019annuler. Vous pouvez g\u00e9n\u00e9ralement annuler dans les 10 jours si vous fournissez un avis \u00e9crit.<\/p>\n<p>Consultez vos conditions g\u00e9n\u00e9rales pour plus d\u2019informations sur l\u2019annulation[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2&Prime; top_padding=\u00a0\u00bb3&Prime; bottom_padding=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; uncode_shortcode_id=\u00a0\u00bb100255&Prime; shape_dividers=\u00a0\u00bb\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb100&Prime; align_horizontal=\u00a0\u00bbalign_center\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime; shift_x=\u00a0\u00bb0&Prime; shift_y=\u00a0\u00bb0&Prime; shift_y_down=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_width=\u00a0\u00bb0&Prime; mobile_width=\u00a0\u00bb0&Prime; width=\u00a0\u00bb1\/1&Prime; uncode_shortcode_id=\u00a0\u00bb315204&Prime;][vc_separator sep_color=\u00a0\u00bbcolor-531944&Prime; uncode_shortcode_id=\u00a0\u00bb213517&Prime; sep_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb el_width=\u00a0\u00bb176px\u00a0\u00bb el_height=\u00a0\u00bb6px\u00a0\u00bb][vc_custom_heading uncode_shortcode_id=\u00a0\u00bb104398&Prime;]UNE MARGE DE CR\u00c9DIT HYPOTH\u00c9CAIRE, EST-CE LE BON CHOIX POUR VOUS?[\/vc_custom_heading][vc_button button_color=\u00a0\u00bbaccent\u00a0\u00bb border_width=\u00a0\u00bb0&Prime; link=\u00a0\u00bburl:https%3A%2F%2Fyoutu.be%2FfdJ1HC7eWbw|target:_blank\u00a0\u00bb button_color_type=\u00a0\u00bbuncode-palette\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb641327&Prime;]Regarder la vid\u00e9o HELOC[\/vc_button][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_height_percent=\u00a0\u00bb0&Prime; override_padding=\u00a0\u00bbyes\u00a0\u00bb h_padding=\u00a0\u00bb2&Prime; top_padding=\u00a0\u00bb3&Prime; bottom_padding=\u00a0\u00bb3&Prime; back_image=\u00a0\u00bb76110&Prime; overlay_alpha=\u00a0\u00bb50&Prime; gutter_size=\u00a0\u00bb3&Prime; column_width_percent=\u00a0\u00bb100&Prime; shift_y=\u00a0\u00bb0&Prime; z_index=\u00a0\u00bb0&Prime; medium_visibility=\u00a0\u00bbyes\u00a0\u00bb mobile_visibility=\u00a0\u00bbyes\u00a0\u00bb uncode_shortcode_id=\u00a0\u00bb795081&Prime; el_class=\u00a0\u00bbbuying-home-first-section\u00a0\u00bb][vc_column column_width_percent=\u00a0\u00bb60&Prime; position_horizontal=\u00a0\u00bbleft\u00a0\u00bb gutter_size=\u00a0\u00bb3&Prime; overlay_alpha=\u00a0\u00bb50&Prime;\u2026<\/p>\n","protected":false},"author":1,"featured_media":77200,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","footnotes":""},"class_list":["post-73033","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>HELOC Marge de cr\u00e9dit hypoth\u00e9caire - Mortgage Brokers Ottawa - First-Time, CHIP, &amp; 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