{"id":7724,"date":"2018-08-06T14:56:41","date_gmt":"2018-08-06T18:56:41","guid":{"rendered":"https:\/\/www.guideimmo.ca\/articles\/?p=7724"},"modified":"2019-03-14T16:55:56","modified_gmt":"2019-03-14T20:55:56","slug":"taux-hypotheque","status":"publish","type":"post","link":"https:\/\/www.guideimmo.ca\/articles\/taux-hypotheque\/","title":{"rendered":"Ma banque m\u2019offre 3,34%, et toi, c\u2019est quoi ton taux?"},"content":{"rendered":"<p><strong>Voici la question que posent la plupart des gens lorsque leur hypoth\u00e8que arrive \u00e0 \u00e9ch\u00e9ance. Bien que le taux soit la variable la plus visible d\u2019un emprunt hypoth\u00e9caire, il existe plusieurs autres points \u00e0 consid\u00e9rer avant de faire un choix \u00e9clair\u00e9.<\/strong><\/p>\n<h2><strong>Avez-vous bien \u00e9valu\u00e9 votre situation?<\/strong><\/h2>\n<p>Lorsqu&rsquo;un emprunt hypoth\u00e9caire arrive \u00e0 \u00e9ch\u00e9ance, puisque aucune p\u00e9nalit\u00e9 n\u2019est exig\u00e9e en cas de remboursement complet, c\u2019est le moment tout d\u00e9sign\u00e9 pour n\u00e9gocier avec d\u2019autres institutions pr\u00eateuses.<\/p>\n<h2>Votre propri\u00e9t\u00e9, un levier exceptionnel<\/h2>\n<p>Cerner vos besoins \u00e0 court et moyen terme devrait faire partie int\u00e9grante de votre r\u00e9flexion. Est-ce le moment id\u00e9al pour faire les r\u00e9novations que vous d\u00e9sirez faire depuis si longtemps? Avez-vous accumul\u00e9 plusieurs dettes dans les derni\u00e8res ann\u00e9es qui comportent des taux d\u2019int\u00e9r\u00eat faramineux? Vous pourriez consolider vos dettes et ainsi diminuer la charge d\u2019int\u00e9r\u00eats pay\u00e9s. Avez-vous une marge de man\u0153uvre dans votre budget? Une analyse de votre portrait financier pourrait d\u00e9terminer s\u2019il vaut la peine de diminuer l\u2019amortissement de votre emprunt dans le but de r\u00e9duire l\u2019int\u00e9r\u00eat pay\u00e9. Pr\u00e9voyez-vous faire un autre investissement immobilier dans les prochaines ann\u00e9es? Si c\u2019est le cas, avec les normes de plus en plus restrictives, il est tr\u00e8s important de structurer vos finances en cons\u00e9quence d\u2019une future qualification hypoth\u00e9caire. Votre propri\u00e9t\u00e9 peut \u00eatre un levier exceptionnel pour am\u00e9liorer votre situation financi\u00e8re, il faut cependant s\u2019entourer de professionnels tels qu\u2019un courtier hypoth\u00e9caire pour d\u00e9celer l\u2019ensemble de ces solutions.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-7727\" src=\"https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/\/2018\/07\/taux2.jpg\" alt=\"taux renouvellement hypotheque\" width=\"810\" height=\"450\" srcset=\"https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/2018\/07\/taux2.jpg 810w, https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/2018\/07\/taux2-150x83.jpg 150w, https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/2018\/07\/taux2-300x167.jpg 300w, https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/2018\/07\/taux2-768x427.jpg 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<div class=\"google-pub \"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><br \/>\n<!-- Guide Immo - Pour les pubs dans les posts --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3346598485307293\" data-ad-slot=\"9637780561\" data-ad-format=\"auto\"><\/ins><br \/>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div>\n<h2><strong>Les conditions d\u2019emprunt<\/strong><\/h2>\n<p>Il y a fort \u00e0 parier que votre banque ne vous explique pas l\u2019ensemble des conditions lors de la signature de votre engagement hypoth\u00e9caire. Plusieurs petites \u00ab\u00a0trappes \u00e0 souris\u00a0\u00bb pourraient vous co\u00fbter cher \u00e0 court et moyen terme. L\u2019un de ces pi\u00e8ges le plus co\u00fbteux est sans contredit la p\u00e9nalit\u00e9 en cas d\u2019un remboursement complet avant \u00e9ch\u00e9ance. Le calcul de la p\u00e9nalit\u00e9 d\u2019un emprunt hypoth\u00e9caire \u00e0 taux fixe est toujours le plus \u00e9lev\u00e9 entre le diff\u00e9rentiel de taux affich\u00e9 ou trois mois d\u2019int\u00e9r\u00eat. Dans la grande majorit\u00e9 des banques, le montant le plus \u00e9lev\u00e9 sera le diff\u00e9rentiel de taux puisque l\u2019\u00e9cart entre le taux affich\u00e9 et le taux contractuel est tr\u00e8s grand. Toutefois, certaines institutions pr\u00eateuses ont des taux affich\u00e9s qui avoisinent le taux courtier, et par cons\u00e9quent il en r\u00e9sulte de faibles p\u00e9nalit\u00e9s. Plusieurs autres conditions d\u2019emprunt sont \u00e0 \u00e9valuer lors de votre n\u00e9gociation. Nous y reviendrons dans un autre article!<\/p>\n<div class=\"google-pub \"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><br \/>\n<!-- Guide Immo - Pour les pubs dans les posts --><br \/>\n<ins class=\"adsbygoogle\" style=\"display: block;\" data-ad-client=\"ca-pub-3346598485307293\" data-ad-slot=\"9637780561\" data-ad-format=\"auto\"><\/ins><br \/>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-7736\" src=\"https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/\/2018\/07\/taux4.jpg\" alt=\"taux renouvellement hypoth\u00e9caire\" width=\"810\" height=\"450\" srcset=\"https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/2018\/07\/taux4.jpg 810w, https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/2018\/07\/taux4-150x83.jpg 150w, https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/2018\/07\/taux4-300x167.jpg 300w, https:\/\/www.guideimmo.ca\/articles\/wp-content\/uploads\/2018\/07\/taux4-768x427.jpg 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<h2><strong>Ne pas se limiter \u00e0 l\u2019offre de renouvellement de sa banque<\/strong><\/h2>\n<p>Saviez-vous qu\u2019un courtier hypoth\u00e9caire travaille avec une multitude de pr\u00eateurs et que ses services sont enti\u00e8rement gratuits? L\u2019int\u00e9r\u00eat premier d\u2019un courtier est de trouver la meilleure offre hypoth\u00e9caire pour ses clients. Il est impartial dans ses choix et ne travaille pas pour la banque, il travaille pour ses clients.<\/p>\n<p>Votre hypoth\u00e8que arrive bient\u00f4t \u00e0 \u00e9ch\u00e9ance? Vous avez besoin de pr\u00e9cieux conseils concernant votre hypoth\u00e8que, prenez le temps de magasiner minutieusement&#8230; Et apprenez en plus sur la mise de fonds en lisant<a href=\"https:\/\/www.guideimmo.ca\/articles\/combien-de-mise-de-fonds-pour-lachat-dune-maison\/\" target=\"_blank\" rel=\"noopener\"><strong> l&rsquo;article \u00e0 ce sujet ici!<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Voici la question que posent la plupart des gens lorsque leur hypoth\u00e8que arrive \u00e0 \u00e9ch\u00e9ance. Bien que le taux soit la variable la plus visible d\u2019un emprunt hypoth\u00e9caire, il existe plusieurs autres points \u00e0 consid\u00e9rer avant de faire un choix \u00e9clair\u00e9. Avez-vous bien \u00e9valu\u00e9 votre situation? Lorsqu&rsquo;un emprunt hypoth\u00e9caire arrive \u00e0 \u00e9ch\u00e9ance, puisque aucune p\u00e9nalit\u00e9 [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":8740,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-7724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils-de-pro"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ma banque m\u2019offre 3,34%, et toi, c\u2019est quoi ton taux? - Guide Immo | Articles<\/title>\n<meta name=\"description\" content=\"Voici La grande question pos\u00e9e par la plupart des gens lorsque leur hypoth\u00e8que arrive \u00e0 \u00e9ch\u00e9ance. 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