{"id":3110,"date":"2022-02-07T08:00:04","date_gmt":"2022-02-07T13:00:04","guid":{"rendered":"https:\/\/equipemorin.ca\/?p=3110"},"modified":"2022-01-28T12:49:17","modified_gmt":"2022-01-28T17:49:17","slug":"preapprobation-hypothecaire-la-1re-etape-pour-etre-pret-a-acheter","status":"publish","type":"post","link":"https:\/\/claudiamorin.com\/en\/informations-utiles\/preapprobation-hypothecaire-la-1re-etape-pour-etre-pret-a-acheter\/","title":{"rendered":"Pr\u00e9approbation hypoth\u00e9caire : la 1re \u00e9tape pour \u00eatre pr\u00eat \u00e0 acheter"},"content":{"rendered":"\n<p><strong> Le processus d\u2019achat peut parfois sembler complexe. Alors, comment bien se pr\u00e9parer pour acheter une maison? Voici cinq \u00e9tapes \u00e0 franchir pour y parvenir, allant de la pr\u00e9approbation hypoth\u00e9caire, \u00e0 l\u2019\u00e9pargne pour la mise de fonds, en passant par le dossier de cr\u00e9dit et les programmes d\u2019incitation \u00e0 l\u2019achat. Pr\u00eat? Allons-y! <\/strong><\/p>\n\n\n\n<p><strong>Obtenez une pr\u00e9approbation hypoth\u00e9caire<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>En faisant pr\u00e9approuver votre pr\u00eat, vous \u00e9valuerez votre capacit\u00e9 d\u2019emprunt et conna\u00eetrez le montant du pr\u00eat que votre institution financi\u00e8re pourra vous consentir. Celui-ci sera calcul\u00e9 en fonction de votre revenu actuel, de votre cote de cr\u00e9dit et des autres renseignements que vous aurez fournis[1].<br><\/p>\n\n\n\n<p>Cette d\u00e9marche aura aussi pour effet de bloquer le taux d\u2019int\u00e9r\u00eat courant, ce qui vous prot\u00e9gera des potentielles hausses de taux entre la date de pr\u00e9autorisation du pr\u00eat et la date d\u2019achat de la maison[2]. Au besoin, pensez \u00e0 vous faire accompagner par un courtier hypoth\u00e9caire pour obtenir le taux le plus avantageux selon votre situation.<br><\/p>\n\n\n\n<p><strong>\u00c9pargnez pour votre mise de fonds<\/strong><\/p>\n\n\n\n<p>Vous devrez \u00e9galement tenir compte de la mise de fonds \u00e0 investir, sachant qu\u2019elle variera en fonction du prix de la propri\u00e9t\u00e9 convoit\u00e9e. Plus votre investissement sera \u00e9lev\u00e9, moins vous aurez \u00e0 emprunter.<br><\/p>\n\n\n\n<p>La mise de fonds minimale correspond \u00e0 5&nbsp;% de la valeur de la propri\u00e9t\u00e9[3]. Par ailleurs, si celle-ci est inf\u00e9rieure \u00e0 20&nbsp;% de la valeur de la maison, vous devrez souscrire \u00e0 une assurance pr\u00eat hypoth\u00e9caire offerte par la&nbsp;<a href=\"https:\/\/www.cmhc-schl.gc.ca\/fr\/\">Soci\u00e9t\u00e9 canadienne d\u2019hypoth\u00e8ques et de logement (SCHL)<\/a>[4].<\/p>\n\n\n\n<p>Sachez que mise de fonds peut \u00eatre issue de diff\u00e9rentes sources, telles que[5]&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Vos \u00e9conomies, vos placements ou un compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t (CELI)<\/li><li>L\u2019aide financi\u00e8re de membres de la famille ou d\u2019amis<\/li><li>Votre r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne retraite (REER)<\/li><li>Le&nbsp;<a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/reer-regimes-connexes\/est-regime-accession-a-propriete\/comment-participer-regime-accession-a-propriete.html\">r\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 (RAP)<\/a><\/li><\/ul>\n\n\n\n<p>Diff\u00e9rents outils comme la&nbsp;<a href=\"https:\/\/itools-ioutils.fcac-acfc.gc.ca\/FGC-COF\/home-accueil-fra.aspx\">Calculatrice d\u2019objectifs financiers du gouvernement du Canada<\/a>&nbsp;peuvent aussi vous aider \u00e0 d\u00e9terminer pendant combien de temps vous devrez \u00e9conomiser pour atteindre vos objectifs d\u2019\u00e9pargne.<\/p>\n\n\n\n<p><strong>Conservez une bonne cote de cr\u00e9dit<\/strong><\/p>\n\n\n\n<p>Un bon dossier de cr\u00e9dit s\u2019av\u00e8re primordial lorsque vient le temps d\u2019obtenir une pr\u00e9approbation hypoth\u00e9caire. Bien conna\u00eetre son fonctionnement vous permettra de maximiser vos chances d\u2019acheter une maison.<\/p>\n\n\n\n<p>Pour y parvenir, vous devrez id\u00e9alement conna\u00eetre les \u00e9l\u00e9ments suivants&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Quelle est l\u2019utilit\u00e9 de la cote de cr\u00e9dit?<\/li><li>Quelle cote de cr\u00e9dit avoir pour acheter une maison?<\/li><li>Comment conna\u00eetre son score de cr\u00e9dit?<\/li><li>Quels sont les facteurs qui influencent le pointage?<\/li><li>Comment am\u00e9liorer sa cote de cr\u00e9dit?<br><\/li><\/ul>\n\n\n\n<p>Consultez l\u2019article&nbsp;<a href=\"https:\/\/www.centris.ca\/fr\/blogue\/finances\/achat-d-une-propriete-l-importance-d-avoir-une-bonne-cote-de-credit\" target=\"_blank\" rel=\"noreferrer noopener\">Achat d\u2019une propri\u00e9t\u00e9&nbsp;: l\u2019importance d\u2019avoir une bonne cote de cr\u00e9dit&nbsp;<\/a>pour avoir la r\u00e9ponse \u00e0 toutes ces questions.<br><\/p>\n\n\n\n<p><strong>D\u00e9couvrez les programmes d\u2019incitation \u00e0 l\u2019achat<\/strong><\/p>\n\n\n\n<p>Il existe une grande vari\u00e9t\u00e9 de programmes d\u2019aide financi\u00e8re ou d\u2019all\u00e8gements fiscaux destin\u00e9s aux futurs acheteurs.<br><\/p>\n\n\n\n<p>L\u2019<a href=\"https:\/\/www.chezsoidabord.ca\/fthbi\/first-time-homebuyer-incentive\">incitatif \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9<\/a>&nbsp;fait partie des mesures mises en place par le gouvernement du Canada et offre un montant de 5&nbsp;% \u00e0 10&nbsp;% du prix d\u2019achat pour la mise de fonds[6]. Deux cr\u00e9dits d\u2019imp\u00f4t sont \u00e9galement offerts par le gouvernement f\u00e9d\u00e9ral aux acheteurs d\u2019une habitation neuve&nbsp;:&nbsp;<a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/tout-votre-declaration-revenus\/declaration-revenus\/remplir-declaration-revenus\/deductions-credits-depenses\/ligne-31270-montant-achat-habitation.html\">le montant pour l\u2019achat d\u2019une habitation<\/a>&nbsp;et les&nbsp;<a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/formulaires-publications\/publications\/rc4028.html\">remboursements pour habitation de la TPS\/TVQ pour habitations neuves<\/a>.<br><\/p>\n\n\n\n<p>Comme certaines r\u00e8gles changent, n\u2019h\u00e9sitez pas \u00e0 faire vos recherches!<\/p>\n\n\n\n<p><a href=\"https:\/\/www.centris.ca\/#_ftnref1\">[1]<\/a>&nbsp;<a href=\"https:\/\/www.banquemanuvie.ca\/services-bancaires-aux-particuliers\/planifier-et-apprendre\/posseder-une-maison\/things-i-wish-i-knew-before-i-bought-my-first-home.html\">https:\/\/www.banquemanuvie.ca\/services-bancaires-aux-particuliers\/planifier-et-apprendre\/posseder-une-maison\/things-i-wish-i-knew-before-i-bought-my-first-home.html<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.centris.ca\/#_ftnref2\">[2]<\/a>&nbsp;<a href=\"https:\/\/www.banquemanuvie.ca\/services-bancaires-aux-particuliers\/planifier-et-apprendre\/posseder-une-maison\/acheter-sa-premiere-maison.html\">https:\/\/www.banquemanuvie.ca\/services-bancaires-aux-particuliers\/planifier-et-apprendre\/posseder-une-maison\/acheter-sa-premiere-maison.html<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.centris.ca\/#_ftnref3\">[3]<\/a>&nbsp;<a href=\"https:\/\/www.banquemanuvie.ca\/services-bancaires-aux-particuliers\/planifier-et-apprendre\/posseder-une-maison\/acheter-sa-premiere-maison.html\">https:\/\/www.banquemanuvie.ca\/services-bancaires-aux-particuliers\/planifier-et-apprendre\/posseder-une-maison\/acheter-sa-premiere-maison.html<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.centris.ca\/#_ftnref4\">[4]<\/a>&nbsp;<a href=\"https:\/\/www.banquemanuvie.ca\/services-bancaires-aux-particuliers\/planifier-et-apprendre\/posseder-une-maison\/things-i-wish-i-knew-before-i-bought-my-first-home.html\">https:\/\/www.banquemanuvie.ca\/services-bancaires-aux-particuliers\/planifier-et-apprendre\/posseder-une-maison\/things-i-wish-i-knew-before-i-bought-my-first-home.html<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.centris.ca\/#_ftnref5\">[5]<\/a>&nbsp;<a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/acheter-maison.html\">https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/acheter-maison.html<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.centris.ca\/#_ftnref6\">[6]<\/a>&nbsp;<a href=\"https:\/\/www.cmhc-schl.gc.ca\/fr\/nhs\/canada-first-time-home-buyer-incentive\">https:\/\/www.cmhc-schl.gc.ca\/fr\/nhs\/canada-first-time-home-buyer-incentive<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le processus d\u2019achat peut parfois sembler complexe. Alors, comment bien se pr\u00e9parer pour acheter une maison? Voici cinq \u00e9tapes \u00e0 franchir pour y parvenir, allant de la pr\u00e9approbation hypoth\u00e9caire, \u00e0 l\u2019\u00e9pargne pour la mise de fonds, en passant par le dossier de cr\u00e9dit et les programmes d\u2019incitation \u00e0 l\u2019achat. Pr\u00eat? Allons-y! Obtenez une pr\u00e9approbation hypoth\u00e9caire [&hellip;]<\/p>\n","protected":false},"author":400,"featured_media":3111,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-3110","post","type-post","status-publish","format-standard","hentry","category-informations-utiles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00e9approbation hypoth\u00e9caire : la 1re \u00e9tape pour \u00eatre pr\u00eat \u00e0 acheter &#8211; Claudia Morin RE\/MAX Real Estate Broker<\/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:\/\/claudiamorin.com\/en\/informations-utiles\/preapprobation-hypothecaire-la-1re-etape-pour-etre-pret-a-acheter\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9approbation hypoth\u00e9caire : la 1re \u00e9tape pour \u00eatre pr\u00eat \u00e0 acheter &#8211; Claudia Morin RE\/MAX Real Estate Broker\" \/>\n<meta property=\"og:description\" content=\"Le processus d\u2019achat peut parfois sembler complexe. Alors, comment bien se pr\u00e9parer pour acheter une maison? Voici cinq \u00e9tapes \u00e0 franchir pour y parvenir, allant de la pr\u00e9approbation hypoth\u00e9caire, \u00e0 l\u2019\u00e9pargne pour la mise de fonds, en passant par le dossier de cr\u00e9dit et les programmes d\u2019incitation \u00e0 l\u2019achat. Pr\u00eat? Allons-y! 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Alors, comment bien se pr\u00e9parer pour acheter une maison? Voici cinq \u00e9tapes \u00e0 franchir pour y parvenir, allant de la pr\u00e9approbation hypoth\u00e9caire, \u00e0 l\u2019\u00e9pargne pour la mise de fonds, en passant par le dossier de cr\u00e9dit et les programmes d\u2019incitation \u00e0 l\u2019achat. Pr\u00eat? Allons-y! 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