{"id":1034,"date":"2022-02-24T20:58:53","date_gmt":"2022-02-24T20:58:53","guid":{"rendered":"https:\/\/veltistafinancial.ca\/hypotheque\/"},"modified":"2022-08-04T19:06:21","modified_gmt":"2022-08-04T19:06:21","slug":"hypotheque","status":"publish","type":"page","link":"https:\/\/veltistafinancial.ca\/fr\/hypotheque\/","title":{"rendered":"Hypoth\u00e8que"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1034\" class=\"elementor elementor-1034 elementor-689\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51b4b06e elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"51b4b06e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ed1cd45 elementor-invisible\" data-id=\"6ed1cd45\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f4d20d6 elementor-widget elementor-widget-heading\" data-id=\"1f4d20d6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hypoth\u00e8que<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-323037b1 elementor-widget elementor-widget-text-editor\" data-id=\"323037b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Il est temps que votre argent commence \u00e0 travailler pour vous<\/strong><\/p><div><p>Que vous soyez curieux des investissements immobiliers ou simplement \u00e0 la recherche d&rsquo;accession \u00e0 la propri\u00e9t\u00e9, il est pratique de conna\u00eetre les bases.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-225a8b37\" data-id=\"225a8b37\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d4f936d elementor-widget elementor-widget-image\" data-id=\"3d4f936d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"621\" height=\"500\" src=\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/03\/Veltista_FamilyMoving_Hero.png\" class=\"attachment-large size-large wp-image-1607\" alt=\"\" srcset=\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/03\/Veltista_FamilyMoving_Hero.png 621w, https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/03\/Veltista_FamilyMoving_Hero-300x242.png 300w\" sizes=\"(max-width: 621px) 100vw, 621px\" style=\"width:100%;height:80.52%;max-width:621px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d0725dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d0725dc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-84344ad\" data-id=\"84344ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f900a2 elementor-widget elementor-widget-heading\" data-id=\"8f900a2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce qu'une hypoth\u00e8que ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a257ae elementor-widget elementor-widget-text-editor\" data-id=\"5a257ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La grande majorit\u00e9 des Canadiens n&rsquo;ont pas tout l&rsquo;argent n\u00e9cessaire pour acheter une maison en esp\u00e8ces. Une hypoth\u00e8que est un pr\u00eat qui vous aide \u00e0 financer la diff\u00e9rence entre ce que vous pouvez payer d&rsquo;avance et ce que vous devez emprunter aupr\u00e8s d&rsquo;un pr\u00eateur. Les paiements couvrent les int\u00e9r\u00eats du pr\u00eat plus une partie du paiement principal. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0a8badd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0a8badd\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7096631\" data-id=\"7096631\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-599aa30 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"599aa30\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"f9aaaa25-61b9-4b47-ab7d-04e10d0da89d\" data-name=\"Calque 1\" viewBox=\"0 0 100 100\"><defs><style>.f274f723-61a8-4247-b025-1be27eb667fa{fill:url(#abe4eff4-e9c1-4da3-bac0-16f01b6f3a4e);}<\/style><radialGradient id=\"abe4eff4-e9c1-4da3-bac0-16f01b6f3a4e\" cx=\"81.95\" cy=\"88.72\" r=\"80.33\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"f274f723-61a8-4247-b025-1be27eb667fa\" d=\"M62.51,87.53h-25V54.69A4.69,4.69,0,0,1,42.18,50H57.82a4.69,4.69,0,0,1,4.69,4.69ZM40.62,84.4H59.38V54.69a1.56,1.56,0,0,0-1.56-1.56H42.18a1.56,1.56,0,0,0-1.56,1.56Z\"><\/path><path class=\"f274f723-61a8-4247-b025-1be27eb667fa\" d=\"M73.46,87.53H26.54a4.7,4.7,0,0,1-4.69-4.69v-36H14a1.56,1.56,0,0,1-1.57-1.56V40.75a4.69,4.69,0,0,1,2.13-3.93l34.51-24a1.53,1.53,0,0,1,1.78,0L65.64,23.07V17.16a4.7,4.7,0,0,1,4.69-4.69h3.13a4.7,4.7,0,0,1,4.69,4.69V31.79l7.26,5a4.69,4.69,0,0,1,2.11,3.92v4.56A1.56,1.56,0,0,1,86,46.87H78.15v36A4.7,4.7,0,0,1,73.46,87.53ZM15.6,43.75h7.82A1.56,1.56,0,0,1,25,45.31V82.84a1.56,1.56,0,0,0,1.56,1.56H73.46A1.56,1.56,0,0,0,75,82.84V45.31a1.56,1.56,0,0,1,1.56-1.56H84.4v-3a1.55,1.55,0,0,0-.71-1.31l0,0-7.94-5.52A1.57,1.57,0,0,1,75,32.6l0-15.44a1.56,1.56,0,0,0-1.56-1.56H70.33a1.57,1.57,0,0,0-1.57,1.56v8.9a1.55,1.55,0,0,1-2.45,1.28L50,16,16.35,39.41a1.58,1.58,0,0,0-.75,1.34Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db8bad8 elementor-widget elementor-widget-heading\" data-id=\"db8bad8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Acheter votre premi\u00e8re maison<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc4f3ec elementor-widget elementor-widget-text-editor\" data-id=\"cc4f3ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Planifiez \u00e0 l&rsquo;avance avec un conseiller afin que, lorsque viendra le temps de commencer \u00e0 chercher votre maison, tout soit pr\u00eat.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-452705d elementor-widget elementor-widget-button\" data-id=\"452705d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/jnf.30b.myftpupload.com\/fr\/achetez-votre-premiere-maison\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0bc54ae\" data-id=\"0bc54ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c891f9f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c891f9f\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"a600aa57-c4cf-40b7-8f4a-63ee6815afcf\" data-name=\"Calque 1\" viewBox=\"0 0 49.91 49.89\"><defs><style>.a25b45c1-d4d3-4873-b1dd-8063de8587aa{fill:url(#f5ce6ffa-2bfd-4bc3-996f-fdc1272e0b2c);}.a4f44904-b3b0-43c4-9f48-369863a4863b{fill:url(#acb823d1-83ce-401b-a13e-64005c4c80c3);}<\/style><radialGradient id=\"f5ce6ffa-2bfd-4bc3-996f-fdc1272e0b2c\" cx=\"51.61\" cy=\"32.57\" r=\"43.5\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><radialGradient id=\"acb823d1-83ce-401b-a13e-64005c4c80c3\" cx=\"51.78\" cy=\"32.72\" 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d=\"M9,18.7a1,1,0,0,1-.72-.29,1,1,0,0,1,0-1.45L19,6.26a1,1,0,0,1,1.44,0l3.89,3.89a1,1,0,1,1-1.44,1.44L19.71,8.42l-10,10A1,1,0,0,1,9,18.7Z\"><\/path><path class=\"a25b45c1-d4d3-4873-b1dd-8063de8587aa\" d=\"M30.41,18.7a1,1,0,0,1-.72-.29l-3.89-3.9a1,1,0,1,1,1.44-1.44L31.13,17a1,1,0,0,1-.72,1.74Z\"><\/path><path class=\"a25b45c1-d4d3-4873-b1dd-8063de8587aa\" d=\"M28.47,30.38H22.63a1,1,0,0,1-1-1V23.52a1.9,1.9,0,0,0-3.8,0v5.84a1,1,0,0,1-1,1H11a1,1,0,0,1-1-1V15.74a1,1,0,0,1,2,0v12.6h3.8V23.52a3.94,3.94,0,1,1,7.88,0v4.82h3.8V15.74a1,1,0,1,1,2,0V29.36A1,1,0,0,1,28.47,30.38Z\"><\/path><path class=\"a25b45c1-d4d3-4873-b1dd-8063de8587aa\" d=\"M26.52,14.81a1,1,0,0,1-1-1V9h-.88v1.9a1,1,0,1,1-2,0V8a1,1,0,0,1,1-1h2.92a1,1,0,0,1,1,1v5.84A1,1,0,0,1,26.52,14.81Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4813786 elementor-widget elementor-widget-heading\" data-id=\"4813786\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c0 la recherche d'opportunit\u00e9s immobili\u00e8res<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee4717a elementor-widget elementor-widget-text-editor\" data-id=\"ee4717a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Envisagez d&rsquo;acheter une autre propri\u00e9t\u00e9 afin de l&rsquo;ajouter \u00e0 votre revenu passif \u00e0 la retraite. Rencontrez un conseiller pour discuter de vos options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1cfb8d1\" data-id=\"1cfb8d1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f449d15 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f449d15\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"a2a7c0cd-bdd5-4698-bf4f-c5f9173d3d62\" data-name=\"Calque 1\" viewBox=\"0 0 57.52 57.52\"><defs><style>.e23e9e96-a408-4f53-a410-bc4255e73b06{fill:url(#f494d2b7-f40e-430b-88e2-824bddca13fc);}<\/style><radialGradient id=\"f494d2b7-f40e-430b-88e2-824bddca13fc\" cx=\"52.3\" cy=\"51.62\" r=\"72.44\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"e23e9e96-a408-4f53-a410-bc4255e73b06\" d=\"M1.2,30A1.2,1.2,0,0,1,0,28.76,28.76,28.76,0,0,1,55,17a1.2,1.2,0,0,1-2.19,1A26.36,26.36,0,0,0,2.4,28.76,1.2,1.2,0,0,1,1.2,30Z\"><\/path><path class=\"e23e9e96-a408-4f53-a410-bc4255e73b06\" d=\"M53.92,19.17a1.2,1.2,0,0,1-1.2-1.2V6a1.2,1.2,0,0,1,2.4,0V18A1.2,1.2,0,0,1,53.92,19.17Z\"><\/path><path class=\"e23e9e96-a408-4f53-a410-bc4255e73b06\" d=\"M53.92,19.17h-12a1.2,1.2,0,1,1,0-2.39h12a1.2,1.2,0,1,1,0,2.39Z\"><\/path><path class=\"e23e9e96-a408-4f53-a410-bc4255e73b06\" d=\"M28.76,57.52a28.79,28.79,0,0,1-26.26-17,1.2,1.2,0,1,1,2.19-1A26.36,26.36,0,0,0,55.12,28.76a1.2,1.2,0,1,1,2.4,0A28.79,28.79,0,0,1,28.76,57.52Z\"><\/path><path class=\"e23e9e96-a408-4f53-a410-bc4255e73b06\" d=\"M3.59,52.72A1.19,1.19,0,0,1,2.4,51.53v-12a1.2,1.2,0,1,1,2.39,0v12A1.19,1.19,0,0,1,3.59,52.72Z\"><\/path><path class=\"e23e9e96-a408-4f53-a410-bc4255e73b06\" d=\"M15.58,40.74h-12a1.2,1.2,0,0,1,0-2.4h12a1.2,1.2,0,0,1,0,2.4Z\"><\/path><path class=\"e23e9e96-a408-4f53-a410-bc4255e73b06\" d=\"M28.56,41.23a9.85,9.85,0,0,1-4.7-1.06,11,11,0,0,1-3.57-3.09l2.24-2.24a8.93,8.93,0,0,0,2.62,2.52,6.54,6.54,0,0,0,3.52.93,5.69,5.69,0,0,0,3.49-1,3.25,3.25,0,0,0,1.34-2.77,3.6,3.6,0,0,0-.65-2.23,4.73,4.73,0,0,0-1.7-1.4,18.09,18.09,0,0,0-2.34-1c-.85-.29-1.7-.61-2.54-1A11.54,11.54,0,0,1,24,27.66a5.6,5.6,0,0,1-1.71-2,6.87,6.87,0,0,1-.64-3.12,6.18,6.18,0,0,1,1-3.57,6.64,6.64,0,0,1,2.76-2.27,9.13,9.13,0,0,1,3.9-.8,8.81,8.81,0,0,1,4.08.94,9.05,9.05,0,0,1,3,2.47l-2.23,2.23a9.36,9.36,0,0,0-2.31-2,5.17,5.17,0,0,0-2.66-.71,5.25,5.25,0,0,0-3.23.89,3.05,3.05,0,0,0-1.17,2.59,3,3,0,0,0,.65,2,5.34,5.34,0,0,0,1.74,1.29,19.51,19.51,0,0,0,2.35,1c.84.3,1.69.62,2.55,1a9.78,9.78,0,0,1,2.36,1.35A5.88,5.88,0,0,1,36.17,31a7.08,7.08,0,0,1,.66,3.24,6.25,6.25,0,0,1-2.24,5.12A9.18,9.18,0,0,1,28.56,41.23Zm-.5,3.2V12.69h2.35V44.43Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f884fb elementor-widget elementor-widget-heading\" data-id=\"5f884fb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Refinancer votre propri\u00e9t\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa426f1 elementor-widget elementor-widget-text-editor\" data-id=\"aa426f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Aidez \u00e0 acc\u00e9der \u00e0 une partie de votre argent pour les r\u00e9parations et les r\u00e9novations domiciliaires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3c26763 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c26763\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-01da10a\" data-id=\"01da10a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cb4b3d elementor-widget elementor-widget-heading\" data-id=\"6cb4b3d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que devez-vous savoir sur la qualification ? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3fe39 elementor-widget elementor-widget-text-editor\" data-id=\"5d3fe39\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les pr\u00eateurs hypoth\u00e9caires examinent les aspects suivants pour d\u00e9terminer le montant auquel vous \u00eates admissible :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b4aa28 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3b4aa28\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"ae468d44-381a-455f-b86f-4eb64174727c\" data-name=\"Calque 1\" viewBox=\"0 0 22.92 33.33\"><defs><style>.f1f2d606-c57e-4578-a207-669b98fef402{fill:url(#afbf32e8-a54d-45df-b26b-0e22dc07b122);}<\/style><radialGradient id=\"afbf32e8-a54d-45df-b26b-0e22dc07b122\" cx=\"43.58\" cy=\"38.96\" r=\"59.53\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"f1f2d606-c57e-4578-a207-669b98fef402\" d=\"M21.36.18A2.44,2.44,0,0,0,20.43,0a2.48,2.48,0,0,0-2.27,1.51l-9,21.61L5.54,13.06A2.86,2.86,0,1,0,.17,15L6.26,31.89l.1-.18a2.47,2.47,0,0,0,2.29,1.62h.26a2.48,2.48,0,0,0,2.3-1.51L22.73,3.43A2.49,2.49,0,0,0,21.36.18Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Revenu du m\u00e9nage<\/b> - Revenu annuel du m\u00e9nage<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"ae468d44-381a-455f-b86f-4eb64174727c\" data-name=\"Calque 1\" viewBox=\"0 0 22.92 33.33\"><defs><style>.f1f2d606-c57e-4578-a207-669b98fef402{fill:url(#afbf32e8-a54d-45df-b26b-0e22dc07b122);}<\/style><radialGradient id=\"afbf32e8-a54d-45df-b26b-0e22dc07b122\" cx=\"43.58\" cy=\"38.96\" r=\"59.53\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"f1f2d606-c57e-4578-a207-669b98fef402\" d=\"M21.36.18A2.44,2.44,0,0,0,20.43,0a2.48,2.48,0,0,0-2.27,1.51l-9,21.61L5.54,13.06A2.86,2.86,0,1,0,.17,15L6.26,31.89l.1-.18a2.47,2.47,0,0,0,2.29,1.62h.26a2.48,2.48,0,0,0,2.3-1.51L22.73,3.43A2.49,2.49,0,0,0,21.36.18Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>D\u00e9penses mensuelles<\/b> - Chauffage, taxes fonci\u00e8res, frais mensuels de condo\/entretien<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"ae468d44-381a-455f-b86f-4eb64174727c\" data-name=\"Calque 1\" viewBox=\"0 0 22.92 33.33\"><defs><style>.f1f2d606-c57e-4578-a207-669b98fef402{fill:url(#afbf32e8-a54d-45df-b26b-0e22dc07b122);}<\/style><radialGradient id=\"afbf32e8-a54d-45df-b26b-0e22dc07b122\" cx=\"43.58\" cy=\"38.96\" r=\"59.53\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"f1f2d606-c57e-4578-a207-669b98fef402\" d=\"M21.36.18A2.44,2.44,0,0,0,20.43,0a2.48,2.48,0,0,0-2.27,1.51l-9,21.61L5.54,13.06A2.86,2.86,0,1,0,.17,15L6.26,31.89l.1-.18a2.47,2.47,0,0,0,2.29,1.62h.26a2.48,2.48,0,0,0,2.3-1.51L22.73,3.43A2.49,2.49,0,0,0,21.36.18Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Dettes<\/b> - Paiements automobiles, marge de cr\u00e9dit, carte de cr\u00e9dit et pr\u00eats personnels<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"ae468d44-381a-455f-b86f-4eb64174727c\" data-name=\"Calque 1\" viewBox=\"0 0 22.92 33.33\"><defs><style>.f1f2d606-c57e-4578-a207-669b98fef402{fill:url(#afbf32e8-a54d-45df-b26b-0e22dc07b122);}<\/style><radialGradient id=\"afbf32e8-a54d-45df-b26b-0e22dc07b122\" cx=\"43.58\" cy=\"38.96\" r=\"59.53\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"f1f2d606-c57e-4578-a207-669b98fef402\" d=\"M21.36.18A2.44,2.44,0,0,0,20.43,0a2.48,2.48,0,0,0-2.27,1.51l-9,21.61L5.54,13.06A2.86,2.86,0,1,0,.17,15L6.26,31.89l.1-.18a2.47,2.47,0,0,0,2.29,1.62h.26a2.48,2.48,0,0,0,2.3-1.51L22.73,3.43A2.49,2.49,0,0,0,21.36.18Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Cote de cr\u00e9dit<\/b>- Plus votre pointage de cr\u00e9dit est \u00e9lev\u00e9, mieux c'est. Habituellement, un pointage de cr\u00e9dit sup\u00e9rieur \u00e0 660 est consid\u00e9r\u00e9 comme bon. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"ae468d44-381a-455f-b86f-4eb64174727c\" data-name=\"Calque 1\" viewBox=\"0 0 22.92 33.33\"><defs><style>.f1f2d606-c57e-4578-a207-669b98fef402{fill:url(#afbf32e8-a54d-45df-b26b-0e22dc07b122);}<\/style><radialGradient id=\"afbf32e8-a54d-45df-b26b-0e22dc07b122\" cx=\"43.58\" cy=\"38.96\" r=\"59.53\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"f1f2d606-c57e-4578-a207-669b98fef402\" d=\"M21.36.18A2.44,2.44,0,0,0,20.43,0a2.48,2.48,0,0,0-2.27,1.51l-9,21.61L5.54,13.06A2.86,2.86,0,1,0,.17,15L6.26,31.89l.1-.18a2.47,2.47,0,0,0,2.29,1.62h.26a2.48,2.48,0,0,0,2.3-1.51L22.73,3.43A2.49,2.49,0,0,0,21.36.18Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> <b> Mise de fonds<\/b> - Id\u00e9alement, plus votre mise de fonds est grande, moins vos mensualit\u00e9s seront importantes. Habituellement, avec un acompte de 20 %, aucune assurance par d\u00e9faut (SCHL) n'est n\u00e9cessaire. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"ae468d44-381a-455f-b86f-4eb64174727c\" data-name=\"Calque 1\" viewBox=\"0 0 22.92 33.33\"><defs><style>.f1f2d606-c57e-4578-a207-669b98fef402{fill:url(#afbf32e8-a54d-45df-b26b-0e22dc07b122);}<\/style><radialGradient id=\"afbf32e8-a54d-45df-b26b-0e22dc07b122\" cx=\"43.58\" cy=\"38.96\" r=\"59.53\" gradientUnits=\"userSpaceOnUse\"><stop offset=\"0\" stop-color=\"#038dcd\"><\/stop><stop offset=\"1\" stop-color=\"#134a9c\"><\/stop><\/radialGradient><\/defs><path class=\"f1f2d606-c57e-4578-a207-669b98fef402\" d=\"M21.36.18A2.44,2.44,0,0,0,20.43,0a2.48,2.48,0,0,0-2.27,1.51l-9,21.61L5.54,13.06A2.86,2.86,0,1,0,.17,15L6.26,31.89l.1-.18a2.47,2.47,0,0,0,2.29,1.62h.26a2.48,2.48,0,0,0,2.3-1.51L22.73,3.43A2.49,2.49,0,0,0,21.36.18Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> <b> Taux d'int\u00e9r\u00eat<\/b> - La r\u00e9ussite de certains tests de r\u00e9sistance est essentielle pour faire approuver votre pr\u00eat hypoth\u00e9caire.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd5e032 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"bd5e032\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-562f5a3\" data-id=\"562f5a3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e20036a elementor-widget elementor-widget-heading\" data-id=\"e20036a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fondamentaux hypoth\u00e9caires<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdd5659 elementor-widget elementor-widget-text-editor\" data-id=\"cdd5659\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Comprendre les principes fondamentaux peut vous aider \u00e0 prendre les meilleures d\u00e9cisions \u00e9clair\u00e9es concernant votre pr\u00eat hypoth\u00e9caire.<\/p><p> <\/p><p> <\/p><p><strong>Mise de fonds<\/strong><\/p><p>La mise de fonds est le montant d&rsquo;argent que vous investissez dans l&rsquo;achat de votre maison. Plus vous mettez d&rsquo;argent \u00e0 l&rsquo;avance, plus vos versements hypoth\u00e9caires seront faibles et faciles \u00e0 g\u00e9rer. La mise de fonds minimale peut \u00eatre aussi faible que 5 %, mais si vous pouvez mettre 20 %, vous serez admissible \u00e0 un pr\u00eat hypoth\u00e9caire conventionnel et n&rsquo;aurez pas besoin de souscrire une assurance pr\u00eat hypoth\u00e9caire aupr\u00e8s de la SCHL.<\/p><p> <\/p><p> <\/p><p><strong>Mise de fonds minimale bas\u00e9e sur le prix d&rsquo;achat de votre maison<\/strong>  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-777bb2be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"777bb2be\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2045af1a\" data-id=\"2045af1a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68aded27 eael-table-align-center eael-dt-th-align-left elementor-widget elementor-widget-eael-data-table\" data-id=\"68aded27\" data-element_type=\"widget\" data-widget_type=\"eael-data-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\t\t\t@media (max-width: 767px) {\n\t\t\t   #eael-data-table-wrapper-68aded27.custom-responsive-option-enable .eael-data-table thead {\n                    display: none;\n               }\n               #eael-data-table-wrapper-68aded27.custom-responsive-option-enable .eael-data-table tbody tr td {\n                    float: none;\n                    clear: left;\n                    width: 100%;\n                    text-align: left;\n                    display: flex;\n                    align-items: center;\n                }\n\t\t\t}\n\t\t\t<\/style>\t\t<div class=\"eael-data-table-wrap custom-responsive-option-enable\" data-table_id=\"68aded27\" id=\"eael-data-table-wrapper-68aded27\" data-custom_responsive=\"true\">\n\t\t\t<table class=\"tablesorter eael-data-table center\" id=\"eael-data-table-68aded27\">\n\t\t\t    <thead>\n\t\t\t        <tr class=\"table-header\">\n\t\t\t\t\t\t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\"><b> Prix d'achat de votre maison<\/span><\/th>\n\t\t\t        \t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\"><b>Montant minimum de mise de fonds<\/span><\/th>\n\t\t\t        \t\t\t\t        <\/tr>\n\t\t\t    <\/thead>\n\t\t\t  \t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>500 000 $ ou moins\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t5% du prix d&rsquo;achat\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>500 000 $ \u00e0 999 999 $\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>5 % des premiers 500 000 $ du prix d&rsquo;achat<br>10 % pour la partie du prix d&rsquo;achat sup\u00e9rieure \u00e0 500 000 $<\/p>\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>1 million de dollars ou plus\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t20% du prix d&rsquo;achat\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t    <\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t  \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6731b4a elementor-widget elementor-widget-spacer\" data-id=\"6731b4a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f90fc16 elementor-widget elementor-widget-text-editor\" data-id=\"f90fc16\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Terme hypoth\u00e9caire<\/strong><\/p><p>Un terme hypoth\u00e9caire est la dur\u00e9e pendant laquelle votre contrat hypoth\u00e9caire est en vigueur. Cela comprend tout ce que pr\u00e9voit votre contrat hypoth\u00e9caire, y compris le taux d&rsquo;int\u00e9r\u00eat. Les termes peuvent aller de quelques mois \u00e0 cinq ans ou plus. Vous voudrez peut-\u00eatre choisir une dur\u00e9e plus longue lorsque les taux d&rsquo;int\u00e9r\u00eat sont bas afin que vos versements mensuels restent les m\u00eames, et une dur\u00e9e plus courte si les taux d&rsquo;int\u00e9r\u00eat sont \u00e9lev\u00e9s ou en baisse afin que vous puissiez renouveler \u00e0 un taux inf\u00e9rieur.<\/p><p><strong> <\/strong><\/p><p><strong>P\u00e9riode d&rsquo;amortissement<\/strong><\/p><p>Une p\u00e9riode d&rsquo;amortissement est la dur\u00e9e qu&rsquo;il faudrait pour rembourser compl\u00e8tement votre pr\u00eat hypoth\u00e9caire en fonction de vos versements et d&rsquo;un certain taux d&rsquo;int\u00e9r\u00eat. Une p\u00e9riode d&rsquo;amortissement plus longue signifie que vous paierez plus d&rsquo;int\u00e9r\u00eats. \u00c0 l&rsquo;inverse, un pr\u00eat avec une p\u00e9riode d&rsquo;amortissement plus courte entra\u00eenerait moins d&rsquo;int\u00e9r\u00eats pay\u00e9s \u00e0 la fin de la p\u00e9riode. La p\u00e9riode d&rsquo;amortissement maximale des pr\u00eats hypoth\u00e9caires \u00e0 ratio \u00e9lev\u00e9 est de 25 ans.<\/p><p> <\/p><p><strong>Options de paiement<\/strong><\/p><p>Les options de paiement les plus courantes sont mensuelles, bihebdomadaires et acc\u00e9l\u00e9r\u00e9es toutes les deux semaines. Les programmes acc\u00e9l\u00e9r\u00e9s vous permettront d&rsquo;\u00e9conomiser de l&rsquo;argent en int\u00e9r\u00eats sur la dur\u00e9e de votre hypoth\u00e8que et peuvent rembourser votre hypoth\u00e8que plus t\u00f4t. Dans certains cas, vous pouvez effectuer des paiements forfaitaires sur votre capital pour vous aider \u00e0 constituer un capital et \u00e0 r\u00e9duire globalement les int\u00e9r\u00eats.<\/p><p> <\/p><p><strong>Pr\u00eat hypoth\u00e9caire ouvert<\/strong><\/p><p>Un pr\u00eat hypoth\u00e9caire ouvert vous offre des options flexibles pour augmenter vos remboursements hypoth\u00e9caires, soit en augmentant vos versements r\u00e9guliers, soit en versant une somme forfaitaire. Les taux d&rsquo;int\u00e9r\u00eat ont tendance \u00e0 \u00eatre plus \u00e9lev\u00e9s en raison de cette flexibilit\u00e9 et pourraient \u00eatre id\u00e9aux si vous \u00eates optimiste quant \u00e0 la possibilit\u00e9 de rembourser votre pr\u00eat hypoth\u00e9caire plus t\u00f4t. <\/p><p> <\/p><p><strong>Pr\u00eat hypoth\u00e9caire ferm\u00e9 <\/strong><\/p><p>Un pr\u00eat hypoth\u00e9caire ferm\u00e9, quant \u00e0 lui, limite vos options de remboursement anticip\u00e9, mais vous offre g\u00e9n\u00e9ralement un taux d&rsquo;int\u00e9r\u00eat inf\u00e9rieur. Une hypoth\u00e8que ferm\u00e9e ne peut pas \u00eatre rembours\u00e9e par anticipation, ren\u00e9goci\u00e9e ou affin\u00e9e avant la fin du terme sans avoir de p\u00e9nalit\u00e9s \u00e0 payer. Il existe quelques exceptions \u00e0 la r\u00e8gle. Certaines hypoth\u00e8ques ferm\u00e9es vous permettent d&rsquo;effectuer chaque ann\u00e9e des remboursements anticip\u00e9s d&rsquo;un certain pourcentage de votre hypoth\u00e8que.<\/p><p> <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73515c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73515c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b095a4\" data-id=\"6b095a4\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcee442 elementor-widget elementor-widget-spacer\" data-id=\"fcee442\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37f29cb elementor-widget elementor-widget-heading\" data-id=\"37f29cb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Laissez-nous vous aider \u00e0 planifier la maison de vos r\u00eaves<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cf01bc elementor-widget elementor-widget-text-editor\" data-id=\"5cf01bc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un conseiller peut vous aider avec tout ce que vous devez savoir sur la planification de l&rsquo;accession \u00e0 la propri\u00e9t\u00e9, de sorte qu&rsquo;il ne vous reste plus qu&rsquo;\u00e0 trouver la maison de vos r\u00eaves.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31b8710 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"31b8710\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/jnf.30b.myftpupload.com\/fr\/contactez-nous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez un conseiller<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-445c127 elementor-widget elementor-widget-spacer\" data-id=\"445c127\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Hypoth\u00e8que Il est temps que votre argent commence \u00e0 travailler pour vous Que vous soyez curieux des investissements immobiliers ou simplement \u00e0 la recherche d&rsquo;accession \u00e0 la propri\u00e9t\u00e9, il est pratique de conna\u00eetre les bases. Qu&rsquo;est-ce qu&rsquo;une hypoth\u00e8que ? La grande majorit\u00e9 des Canadiens n&rsquo;ont pas tout l&rsquo;argent n\u00e9cessaire pour acheter une maison en esp\u00e8ces.&hellip; <a class=\"more-link\" href=\"https:\/\/veltistafinancial.ca\/fr\/hypotheque\/\">Poursuivre la lecture <span class=\"screen-reader-text\">Hypoth\u00e8que<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1034","page","type-page","status-publish","hentry","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hypoth\u00e8que - Veltista - Financial Services | Services financiers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/veltistafinancial.ca\/mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypoth\u00e8que - Veltista - Financial Services | Services financiers\" \/>\n<meta property=\"og:description\" content=\"Hypoth\u00e8que Il est temps que votre argent commence \u00e0 travailler pour vous Que vous soyez curieux des investissements immobiliers ou simplement \u00e0 la recherche d&rsquo;accession \u00e0 la propri\u00e9t\u00e9, il est pratique de conna\u00eetre les bases. Qu&rsquo;est-ce qu&rsquo;une hypoth\u00e8que ? La grande majorit\u00e9 des Canadiens n&rsquo;ont pas tout l&rsquo;argent n\u00e9cessaire pour acheter une maison en esp\u00e8ces.&hellip; Poursuivre la lecture Hypoth\u00e8que\" \/>\n<meta property=\"og:url\" content=\"https:\/\/veltistafinancial.ca\/mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Veltista - Financial Services | Services financiers\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-04T19:06:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/03\/Veltista_FamilyMoving_Hero.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/veltistafinancial.ca\/mortgage\/\",\"url\":\"https:\/\/veltistafinancial.ca\/mortgage\/\",\"name\":\"Hypoth\u00e8que - Veltista - Financial Services | Services financiers\",\"isPartOf\":{\"@id\":\"https:\/\/veltistafinancial.ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/veltistafinancial.ca\/mortgage\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/veltistafinancial.ca\/mortgage\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/03\/Veltista_FamilyMoving_Hero.png\",\"datePublished\":\"2022-02-24T20:58:53+00:00\",\"dateModified\":\"2022-08-04T19:06:21+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/veltistafinancial.ca\/mortgage\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/veltistafinancial.ca\/mortgage\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/veltistafinancial.ca\/mortgage\/#primaryimage\",\"url\":\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/03\/Veltista_FamilyMoving_Hero.png\",\"contentUrl\":\"https:\/\/veltistafinancial.ca\/wp-content\/uploads\/2022\/03\/Veltista_FamilyMoving_Hero.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/veltistafinancial.ca\/mortgage\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/veltistafinancial.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Hypoth\u00e8que\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/veltistafinancial.ca\/#website\",\"url\":\"https:\/\/veltistafinancial.ca\/\",\"name\":\"Veltista - Financial Services | Services financiers\",\"description\":\"Insurance, Saving and Investing solutions\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/veltistafinancial.ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Hypoth\u00e8que - Veltista - Financial Services | Services financiers","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/veltistafinancial.ca\/mortgage\/","og_locale":"fr_FR","og_type":"article","og_title":"Hypoth\u00e8que - Veltista - Financial Services | Services financiers","og_description":"Hypoth\u00e8que Il est temps que votre argent commence \u00e0 travailler pour vous Que vous soyez curieux des investissements immobiliers ou simplement \u00e0 la recherche d&rsquo;accession \u00e0 la propri\u00e9t\u00e9, il est pratique de conna\u00eetre les bases. Qu&rsquo;est-ce qu&rsquo;une hypoth\u00e8que ? 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