{"id":73310,"date":"2020-06-16T17:49:21","date_gmt":"2020-06-16T17:49:21","guid":{"rendered":"http:\/\/wilsonteam.flywheelsites.com\/collateral-charge-mortgages\/"},"modified":"2020-11-25T13:35:49","modified_gmt":"2020-11-25T13:35:49","slug":"collateral-charge-mortgages","status":"publish","type":"page","link":"https:\/\/wilsonteam.ca\/fr\/collateral-charge-mortgages\/","title":{"rendered":"PR\u00caTS HYPOTH\u00c9CAIRES \u00c0 CHARGE ACCESSOIRE"},"content":{"rendered":"<p>[fusion_builder_container hundred_percent=\u00a0\u00bbno\u00a0\u00bb hundred_percent_height=\u00a0\u00bbno\u00a0\u00bb hundred_percent_height_scroll=\u00a0\u00bbno\u00a0\u00bb hundred_percent_height_center_content=\u00a0\u00bbyes\u00a0\u00bb equal_height_columns=\u00a0\u00bbno\u00a0\u00bb menu_anchor=\u00a0\u00bb\u00a0\u00bb hide_on_mobile=\u00a0\u00bbsmall-visibility,medium-visibility,large-visibility\u00a0\u00bb status=\u00a0\u00bbpublished\u00a0\u00bb publish_date=\u00a0\u00bb\u00a0\u00bb class=\u00a0\u00bbour-team\u00a0\u00bb id=\u00a0\u00bb\u00a0\u00bb link_color=\u00a0\u00bb\u00a0\u00bb link_hover_color=\u00a0\u00bb\u00a0\u00bb border_size=\u00a0\u00bb\u00a0\u00bb border_color=\u00a0\u00bb\u00a0\u00bb border_style=\u00a0\u00bbsolid\u00a0\u00bb margin_top=\u00a0\u00bb\u00a0\u00bb margin_bottom=\u00a0\u00bb\u00a0\u00bb padding_top=\u00a0\u00bb90px\u00a0\u00bb padding_right=\u00a0\u00bb\u00a0\u00bb padding_bottom=\u00a0\u00bb60px\u00a0\u00bb padding_left=\u00a0\u00bb\u00a0\u00bb gradient_start_color=\u00a0\u00bb\u00a0\u00bb gradient_end_color=\u00a0\u00bb\u00a0\u00bb gradient_start_position=\u00a0\u00bb0&Prime; 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line-height: 1.3;\">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 un pr\u00eat hypoth\u00e9caire (ils peuvent utiliser votre paiement hypoth\u00e9caire pour payer d\u2019autres dettes si vous manquez un paiement qui vous met en d\u00e9faut sur votre pr\u00eat hypoth\u00e9caire!)<\/li>\n<li>L\u2019hypoth\u00e8que n\u2019est PAS transf\u00e9rable<\/li>\n<li>Impact important 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>[\/fusion_text][\/fusion_builder_column][fusion_builder_column type=\u00a0\u00bb1_1&Prime; type=\u00a0\u00bb1_1&Prime; layout=\u00a0\u00bb1_1&Prime; 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filter_brightness_hover=\u00a0\u00bb100&Prime; filter_contrast_hover=\u00a0\u00bb100&Prime; filter_invert_hover=\u00a0\u00bb0&Prime; filter_sepia_hover=\u00a0\u00bb0&Prime; filter_opacity_hover=\u00a0\u00bb100&Prime; filter_blur_hover=\u00a0\u00bb0&Prime; last=\u00a0\u00bbtrue\u00a0\u00bb first=\u00a0\u00bbtrue\u00a0\u00bb][fusion_text columns=\u00a0\u00bb\u00a0\u00bb column_min_width=\u00a0\u00bb\u00a0\u00bb column_spacing=\u00a0\u00bb\u00a0\u00bb rule_style=\u00a0\u00bbdefault\u00a0\u00bb rule_size=\u00a0\u00bb\u00a0\u00bb rule_color=\u00a0\u00bb\u00a0\u00bb hide_on_mobile=\u00a0\u00bbsmall-visibility,medium-visibility,large-visibility\u00a0\u00bb class=\u00a0\u00bb\u00a0\u00bb id=\u00a0\u00bb\u00a0\u00bb animation_type=\u00a0\u00bb\u00a0\u00bb animation_direction=\u00a0\u00bbleft\u00a0\u00bb animation_speed=\u00a0\u00bb0.3&Prime; animation_offset=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h3 data-fontsize=\"40\" data-lineheight=\"52px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:40; line-height: 1.3;\">QU\u2019EST-CE QU\u2019UNE CHARGE COLLAT\u00c9RALE?<\/h3>\n<p>Une charge collat\u00e9rale est une m\u00e9thode d\u2019enregistrer une hypoth\u00e8que ou un pr\u00eat sur un bien immobilier. Auparavant, les frais de garantie n\u2019\u00e9taient utilis\u00e9s que pour les marges de cr\u00e9dit garanties, mais ils deviennent maintenant tr\u00e8s populaires aupr\u00e8s de nombreuses grandes institutions financi\u00e8res pour leurs produits hypoth\u00e9caires habituels. Elle diff\u00e8re d\u2019une \u00abhypoth\u00e8que standard\u00bb de mani\u00e8re qui affecte votre \ufb02exibilit\u00e9 avec le contrat\/la banque <b>significativement.<\/b><\/p>\n<p>[\/fusion_text][\/fusion_builder_column][fusion_builder_column type=\u00a0\u00bb1_1&Prime; type=\u00a0\u00bb1_1&Prime; layout=\u00a0\u00bb1_1&Prime; spacing=\u00a0\u00bb\u00a0\u00bb center_content=\u00a0\u00bbno\u00a0\u00bb link=\u00a0\u00bb\u00a0\u00bb target=\u00a0\u00bb_self\u00a0\u00bb min_height=\u00a0\u00bb\u00a0\u00bb hide_on_mobile=\u00a0\u00bbsmall-visibility,medium-visibility,large-visibility\u00a0\u00bb class=\u00a0\u00bbteam-column\u00a0\u00bb id=\u00a0\u00bb\u00a0\u00bb background_image_id=\u00a0\u00bb\u00a0\u00bb hover_type=\u00a0\u00bbnone\u00a0\u00bb border_size=\u00a0\u00bb0&Prime; border_color=\u00a0\u00bb\u00a0\u00bb border_style=\u00a0\u00bbsolid\u00a0\u00bb border_position=\u00a0\u00bball\u00a0\u00bb border_radius_top_left=\u00a0\u00bb\u00a0\u00bb border_radius_top_right=\u00a0\u00bb\u00a0\u00bb border_radius_bottom_right=\u00a0\u00bb\u00a0\u00bb border_radius_bottom_left=\u00a0\u00bb\u00a0\u00bb box_shadow=\u00a0\u00bbno\u00a0\u00bb box_shadow_vertical=\u00a0\u00bb\u00a0\u00bb box_shadow_horizontal=\u00a0\u00bb\u00a0\u00bb box_shadow_blur=\u00a0\u00bb0&Prime; box_shadow_spread=\u00a0\u00bb0&Prime; box_shadow_color=\u00a0\u00bb\u00a0\u00bb box_shadow_style=\u00a0\u00bb\u00a0\u00bb padding_top=\u00a0\u00bb\u00a0\u00bb padding_right=\u00a0\u00bb\u00a0\u00bb padding_bottom=\u00a0\u00bb\u00a0\u00bb padding_left=\u00a0\u00bb\u00a0\u00bb margin_top=\u00a0\u00bb\u00a0\u00bb margin_bottom=\u00a0\u00bb60px\u00a0\u00bb background_type=\u00a0\u00bbsingle\u00a0\u00bb gradient_start_color=\u00a0\u00bb\u00a0\u00bb gradient_end_color=\u00a0\u00bb\u00a0\u00bb gradient_start_position=\u00a0\u00bb0&Prime; gradient_end_position=\u00a0\u00bb100&Prime; gradient_type=\u00a0\u00bblinear\u00a0\u00bb radial_direction=\u00a0\u00bbcenter center\u00a0\u00bb linear_angle=\u00a0\u00bb180&Prime; background_color=\u00a0\u00bb\u00a0\u00bb background_image=\u00a0\u00bb\u00a0\u00bb background_position=\u00a0\u00bbleft top\u00a0\u00bb background_repeat=\u00a0\u00bbno-repeat\u00a0\u00bb background_blend_mode=\u00a0\u00bbnone\u00a0\u00bb animation_type=\u00a0\u00bb\u00a0\u00bb animation_direction=\u00a0\u00bbleft\u00a0\u00bb animation_speed=\u00a0\u00bb0.3&Prime; animation_offset=\u00a0\u00bb\u00a0\u00bb filter_type=\u00a0\u00bbregular\u00a0\u00bb filter_hue=\u00a0\u00bb0&Prime; filter_saturation=\u00a0\u00bb100&Prime; filter_brightness=\u00a0\u00bb100&Prime; filter_contrast=\u00a0\u00bb100&Prime; filter_invert=\u00a0\u00bb0&Prime; filter_sepia=\u00a0\u00bb0&Prime; filter_opacity=\u00a0\u00bb100&Prime; filter_blur=\u00a0\u00bb0&Prime; filter_hue_hover=\u00a0\u00bb0&Prime; filter_saturation_hover=\u00a0\u00bb100&Prime; filter_brightness_hover=\u00a0\u00bb100&Prime; filter_contrast_hover=\u00a0\u00bb100&Prime; filter_invert_hover=\u00a0\u00bb0&Prime; filter_sepia_hover=\u00a0\u00bb0&Prime; filter_opacity_hover=\u00a0\u00bb100&Prime; filter_blur_hover=\u00a0\u00bb0&Prime; last=\u00a0\u00bbtrue\u00a0\u00bb first=\u00a0\u00bbtrue\u00a0\u00bb][fusion_text columns=\u00a0\u00bb\u00a0\u00bb column_min_width=\u00a0\u00bb\u00a0\u00bb column_spacing=\u00a0\u00bb\u00a0\u00bb rule_style=\u00a0\u00bbdefault\u00a0\u00bb rule_size=\u00a0\u00bb\u00a0\u00bb rule_color=\u00a0\u00bb\u00a0\u00bb hide_on_mobile=\u00a0\u00bbsmall-visibility,medium-visibility,large-visibility\u00a0\u00bb class=\u00a0\u00bb\u00a0\u00bb id=\u00a0\u00bb\u00a0\u00bb animation_type=\u00a0\u00bb\u00a0\u00bb animation_direction=\u00a0\u00bbleft\u00a0\u00bb animation_speed=\u00a0\u00bb0.3&Prime; animation_offset=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h3 data-fontsize=\"40\" data-lineheight=\"52px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:40; line-height: 1.3;\">CONDITIONS D\u2019UN ACCORD DE PR\u00caT<\/h3>\n<p>Les pr\u00eats hypoth\u00e9caires ordinaires mettent tous les termes cl\u00e9s dans un document qui est enregistr\u00e9 aupr\u00e8s du bureau provincial des biens-fonds (Frais d\u2019hypoth\u00e8que standard). Une hypoth\u00e8que \u00e0 charge collat\u00e9rale, cependant, met des conditions cl\u00e9s dans un contrat de pr\u00eat qui n\u2019est PAS enregistr\u00e9 de la m\u00eame mani\u00e8re. Ce contrat de pr\u00eat collat\u00e9ral peut contenir des conditions telles que:<\/p>\n<ul>\n<li>Le pr\u00eateur peut modifier le taux d\u2019int\u00e9r\u00eat \u00e0 tout moment. Bien que cela ne se produise g\u00e9n\u00e9ralement qu\u2019en cas de d\u00e9faut, cela peut se produire sur certains produits tels que les lignes de cr\u00e9dit, les facilit\u00e9s de d\u00e9couvert, etc.<\/li>\n<li>Vous pouvez augmenter le montant de votre pr\u00eat sans r\u00e9enregistrement sur le titre, donc sans frais juridiques.<\/li>\n<li>Les dettes non garanties telles que les cartes de cr\u00e9dit, les d\u00e9couverts, les pr\u00eats, etc. peuvent devenir interconnect\u00e9es.<\/li>\n<li>Le pr\u00eateur peut utiliser votre paiement hypoth\u00e9caire pour rembourser les autres dettes que vous avez aupr\u00e8s de ce pr\u00eateur (si vous faites d\u00e9faut sur ces dettes).<\/li>\n<li>Par exemple, si vous avez une carte de cr\u00e9dit et que vous \u00eates en retard \u00e0 effectuer le paiement aupr\u00e8s de la m\u00eame banque avec laquelle vous avez l\u2019hypoth\u00e8que, votre paiement hypoth\u00e9caire peut \u00eatre transf\u00e9r\u00e9 au service de cr\u00e9dit, sans votre permission. Ceci mettrait<b> imm\u00e9diatement votre pr\u00eat hypoth\u00e9caire en d\u00e9faut.<\/b><\/li>\n<li>Le pr\u00eateur peut maintenant vous contacter et vous demander de rembourser imm\u00e9diatement la totalit\u00e9 de l\u2019hypoth\u00e8que ou une proc\u00e9dure de forclusion commencera!<\/li>\n<li>Si vous \u00eates en retard ou en d\u00e9faut de paiement de l\u2019assurance habitation, des taxes fonci\u00e8res ou des frais de copropri\u00e9t\u00e9, tel que susmentionn\u00e9, les frais accessoires peuvent \u00eatre utilis\u00e9s pour les payer!<\/li>\n<li>Sur demande: Vous signerez chez les avocats un document confirmant que l\u2019hypoth\u00e8que est \u00ab\u00e0 la demande\u00bb. Le pr\u00eateur peut demander \u00e0 \u00eatre rembours\u00e9 \u00e0 tout moment sans recours au pr\u00eateur. Cela ne se produit g\u00e9n\u00e9ralement qu\u2019en cas de d\u00e9faut, mais tel que mentionn\u00e9 ci-haut, cela peut comprendre un d\u00e9faut sur d\u2019autres dettes, PAS seulement sur votre pr\u00eat hypoth\u00e9caire.<\/li>\n<\/ul>\n<p>[\/fusion_text][\/fusion_builder_column][fusion_builder_column type=\u00a0\u00bb1_1&Prime; type=\u00a0\u00bb1_1&Prime; layout=\u00a0\u00bb1_1&Prime; spacing=\u00a0\u00bb\u00a0\u00bb center_content=\u00a0\u00bbno\u00a0\u00bb link=\u00a0\u00bb\u00a0\u00bb target=\u00a0\u00bb_self\u00a0\u00bb min_height=\u00a0\u00bb\u00a0\u00bb hide_on_mobile=\u00a0\u00bbsmall-visibility,medium-visibility,large-visibility\u00a0\u00bb class=\u00a0\u00bbteam-column\u00a0\u00bb id=\u00a0\u00bb\u00a0\u00bb background_image_id=\u00a0\u00bb\u00a0\u00bb hover_type=\u00a0\u00bbnone\u00a0\u00bb border_size=\u00a0\u00bb0&Prime; border_color=\u00a0\u00bb\u00a0\u00bb border_style=\u00a0\u00bbsolid\u00a0\u00bb border_position=\u00a0\u00bball\u00a0\u00bb border_radius_top_left=\u00a0\u00bb\u00a0\u00bb border_radius_top_right=\u00a0\u00bb\u00a0\u00bb border_radius_bottom_right=\u00a0\u00bb\u00a0\u00bb border_radius_bottom_left=\u00a0\u00bb\u00a0\u00bb box_shadow=\u00a0\u00bbno\u00a0\u00bb box_shadow_vertical=\u00a0\u00bb\u00a0\u00bb box_shadow_horizontal=\u00a0\u00bb\u00a0\u00bb box_shadow_blur=\u00a0\u00bb0&Prime; 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animation_offset=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h3 data-fontsize=\"40\" data-lineheight=\"52px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:40; line-height: 1.3;\">LES CHARGES COLLAT\u00c9RALES ONT LEUR PLACE<\/h3>\n<ul>\n<li>Pr\u00eats hypoth\u00e9caires en plusieurs parties remboursables<\/li>\n<li>Marges de cr\u00e9dit garanties<\/li>\n<li>Prot\u00e9ger la valeur nette de la propri\u00e9t\u00e9 pour les emprunteurs et\/ou la famille<\/li>\n<li>Prot\u00e9ger contre le vol d\u2019identit\u00e9<\/li>\n<li>Acc\u00e9der \u00e0 plus de fonds sans avoir besoin d\u2019un avocat<\/li>\n<\/ul>\n<p>[\/fusion_text][\/fusion_builder_column][fusion_builder_column type=\u00a0\u00bb1_1&Prime; type=\u00a0\u00bb1_1&Prime; layout=\u00a0\u00bb1_1&Prime; spacing=\u00a0\u00bb\u00a0\u00bb center_content=\u00a0\u00bbno\u00a0\u00bb link=\u00a0\u00bb\u00a0\u00bb target=\u00a0\u00bb_self\u00a0\u00bb min_height=\u00a0\u00bb\u00a0\u00bb hide_on_mobile=\u00a0\u00bbsmall-visibility,medium-visibility,large-visibility\u00a0\u00bb class=\u00a0\u00bbteam-column\u00a0\u00bb id=\u00a0\u00bb\u00a0\u00bb background_image_id=\u00a0\u00bb\u00a0\u00bb hover_type=\u00a0\u00bbnone\u00a0\u00bb border_size=\u00a0\u00bb0&Prime; 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gradient_end_position=\u00a0\u00bb100&Prime; gradient_type=\u00a0\u00bblinear\u00a0\u00bb radial_direction=\u00a0\u00bbcenter center\u00a0\u00bb linear_angle=\u00a0\u00bb180&Prime; background_color=\u00a0\u00bb\u00a0\u00bb background_image=\u00a0\u00bb\u00a0\u00bb background_position=\u00a0\u00bbleft top\u00a0\u00bb background_repeat=\u00a0\u00bbno-repeat\u00a0\u00bb background_blend_mode=\u00a0\u00bbnone\u00a0\u00bb animation_type=\u00a0\u00bb\u00a0\u00bb animation_direction=\u00a0\u00bbleft\u00a0\u00bb animation_speed=\u00a0\u00bb0.3&Prime; animation_offset=\u00a0\u00bb\u00a0\u00bb filter_type=\u00a0\u00bbregular\u00a0\u00bb filter_hue=\u00a0\u00bb0&Prime; filter_saturation=\u00a0\u00bb100&Prime; filter_brightness=\u00a0\u00bb100&Prime; filter_contrast=\u00a0\u00bb100&Prime; filter_invert=\u00a0\u00bb0&Prime; filter_sepia=\u00a0\u00bb0&Prime; filter_opacity=\u00a0\u00bb100&Prime; filter_blur=\u00a0\u00bb0&Prime; filter_hue_hover=\u00a0\u00bb0&Prime; filter_saturation_hover=\u00a0\u00bb100&Prime; filter_brightness_hover=\u00a0\u00bb100&Prime; filter_contrast_hover=\u00a0\u00bb100&Prime; filter_invert_hover=\u00a0\u00bb0&Prime; filter_sepia_hover=\u00a0\u00bb0&Prime; filter_opacity_hover=\u00a0\u00bb100&Prime; filter_blur_hover=\u00a0\u00bb0&Prime; last=\u00a0\u00bbtrue\u00a0\u00bb first=\u00a0\u00bbtrue\u00a0\u00bb][fusion_text columns=\u00a0\u00bb\u00a0\u00bb column_min_width=\u00a0\u00bb\u00a0\u00bb column_spacing=\u00a0\u00bb\u00a0\u00bb rule_style=\u00a0\u00bbdefault\u00a0\u00bb rule_size=\u00a0\u00bb\u00a0\u00bb rule_color=\u00a0\u00bb\u00a0\u00bb hide_on_mobile=\u00a0\u00bbsmall-visibility,medium-visibility,large-visibility\u00a0\u00bb class=\u00a0\u00bb\u00a0\u00bb id=\u00a0\u00bb\u00a0\u00bb animation_type=\u00a0\u00bb\u00a0\u00bb animation_direction=\u00a0\u00bbleft\u00a0\u00bb animation_speed=\u00a0\u00bb0.3&Prime; animation_offset=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h3 data-fontsize=\"40\" data-lineheight=\"52px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:40; line-height: 1.3;\">\u00c0 QUOI SERT UNE CHARGE COLLAT\u00c9RALE ET QUELLES SONT SES LIMITES?<\/h3>\n<ul>\n<li>Enregistrez plus que vous empruntez<\/li>\n<li>Le pr\u00eateur peut enregistrer un montant plus \u00e9lev\u00e9 sur le titre que celui effectivement emprunt\u00e9 au moment de la constitution de l\u2019hypoth\u00e8que &#8211; jusqu\u2019\u00e0 125% de la valeur<\/li>\n<li>Ceci permet au pr\u00eateur de prot\u00e9ger l\u2019ensemble des capitaux propres actuels et futurs de votre propri\u00e9t\u00e9 et d\u2019interdire tout financement secondaire d\u2019un autre pr\u00eateur<\/li>\n<li>Possibilit\u00e9 de r\u00e9emprunter, mais sera limit\u00e9 aux options fournies par le pr\u00eateur existant<\/li>\n<li>Si vous passez d\u2019une banque \u00e0 une autre, cela entra\u00eenera des frais juridiques et \u00e9ventuellement une p\u00e9nalit\u00e9<\/li>\n<li>Re-Advancable<\/li>\n<li>Contrairement aux frais standard, vous pouvez emprunter plus d\u2019argent apr\u00e8s le financement de l\u2019hypoth\u00e8que sans avoir \u00e0 payer un avocat.<\/li>\n<li>Ceci est encore sujet \u00e0 requalification pour avoir acc\u00e8s \u00e0 plus de fonds<\/li>\n<li>NON transf\u00e9rable<\/li>\n<li>Ne peut pas \u00eatre transf\u00e9r\u00e9e ou \u00abswitch\u00e9e\u00bb  \u00e0 une nouvelle ligne de pr\u00eateur une hypoth\u00e8que r\u00e9guli\u00e8re sans encourir de frais juridiques<\/li>\n<li>Cela a un impact sur vos options de renouvellement<\/li>\n<li>Au renouvellement, si votre pr\u00eateur existant ne vous offre mais un taux comp\u00e9titif, vous devrez engager un avocat et \u00abrefinancer\u00bb pour passer \u00e0 une autre banque, m\u00eame si vous n\u2019ajoutez pas d\u2019argent<\/li>\n<\/ul>\n<p>[\/fusion_text][\/fusion_builder_column][fusion_builder_column type=\u00a0\u00bb1_1&Prime; 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animation_offset=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h3 data-fontsize=\"40\" data-lineheight=\"52px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:40; line-height: 1.3;\">CONCLUSION<\/h3>\n<p>Si les hypoth\u00e8ques \u00e0 charge collat\u00e9rale ont leur place dans les pr\u00eats hypoth\u00e9caires, la majorit\u00e9 des gens ne b\u00e9n\u00e9ficient pas de ce type d\u2019enregistrement. La plupart des gens sont mieux adapt\u00e9s pour un contrat hypoth\u00e9caire \u00e0 charge standard. Faites appel \u00e0 un expert pour vous assurer que vous \u00eates prot\u00e9g\u00e9 contre les co\u00fbts cach\u00e9s.<\/p>\n<p>[\/fusion_text][\/fusion_builder_column][\/fusion_builder_row][\/fusion_builder_container]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[fusion_builder_container hundred_percent=\u00a0\u00bbno\u00a0\u00bb hundred_percent_height=\u00a0\u00bbno\u00a0\u00bb hundred_percent_height_scroll=\u00a0\u00bbno\u00a0\u00bb hundred_percent_height_center_content=\u00a0\u00bbyes\u00a0\u00bb equal_height_columns=\u00a0\u00bbno\u00a0\u00bb menu_anchor=\u00a0\u00bb\u00a0\u00bb hide_on_mobile=\u00a0\u00bbsmall-visibility,medium-visibility,large-visibility\u00a0\u00bb status=\u00a0\u00bbpublished\u00a0\u00bb publish_date=\u00a0\u00bb\u00a0\u00bb class=\u00a0\u00bbour-team\u00a0\u00bb id=\u00a0\u00bb\u00a0\u00bb link_color=\u00a0\u00bb\u00a0\u00bb link_hover_color=\u00a0\u00bb\u00a0\u00bb border_size=\u00a0\u00bb\u00a0\u00bb border_color=\u00a0\u00bb\u00a0\u00bb border_style=\u00a0\u00bbsolid\u00a0\u00bb margin_top=\u00a0\u00bb\u00a0\u00bb margin_bottom=\u00a0\u00bb\u00a0\u00bb padding_top=\u00a0\u00bb90px\u00a0\u00bb\u2026<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"rs_blank_template":"","rs_page_bg_color":"#ffffff","slide_template_v7":"","footnotes":""},"class_list":["post-73310","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PR\u00caTS HYPOTH\u00c9CAIRES \u00c0 CHARGE ACCESSOIRE - Mortgage Brokers Ottawa - First-Time, CHIP, &amp; 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