{"id":738,"date":"2019-08-07T23:15:00","date_gmt":"2019-08-08T03:15:00","guid":{"rendered":"http:\/\/159.203.25.143\/2019\/08\/07\/mortgages-101-how-to-create-a-responsible-financial-plan\/"},"modified":"2020-09-26T00:34:29","modified_gmt":"2020-09-26T04:34:29","slug":"mortgages-101-how-to-create-a-responsible-financial-plan","status":"publish","type":"post","link":"https:\/\/amj.com\/fr\/mortgages-101-how-to-create-a-responsible-financial-plan\/","title":{"rendered":"Hypoth\u00e8ques 101 : Comment cr\u00e9er un plan financier responsable"},"content":{"rendered":"<p>F\u00e9licitations, vous allez devenir propri\u00e9taire! C\u2019est peut-\u00eatre votre premi\u00e8re incursion dans le monde de l\u2019immobilier, ou ce n\u2019est peut-\u00eatre pas votre premi\u00e8re exp\u00e9rience d\u2019achat de demeure. Quoi qu\u2019il en soit, la meilleure fa\u00e7on de tirer le meilleur parti de votre investissement est d\u2019opter pour un plan financier responsable qui tient compte de tous les aspects de l\u2019obtention d\u2019un pr\u00eat immobilier (appel\u00e9 pr\u00eat hypoth\u00e9caire).<\/p>\n<p>Le fait d\u2019avoir en main un plan solide vous permettra de vous sentir en confiance et de savoir que vous avez sign\u00e9 ce contrat les yeux ouverts sans avoir de trop grandes surprises. L\u2019achat d\u2019une demeure est un investissement important, mais c\u2019est aussi un achat qui vous procurera, \u00e0 vous et \u00e0 votre famille, un endroit o\u00f9 vous b\u00e2tirez des souvenirs inoubliables pendant des ann\u00e9es \u00e0 venir.<\/p>\n<p>Voyons donc quelques-unes des \u00e9tapes \u00e0 suivre pour bien faire les choses.<\/p>\n<h2>\u00c9tablissez votre budget<\/h2>\n<p>Avant de commencer \u00e0 chercher une nouvelle demeure, vous devrez d\u00e9terminer le montant que vous pouvez d\u00e9penser.<\/p>\n<p>Un pr\u00eateur (comme une banque) sera en mesure de vous donner un chiffre approximatif, mais celui-ci sera bas\u00e9 sur votre <a href=\"http:\/\/www.interest.com\/mortgage\/slide-show\/9-biggest-mortgage-mistakes\/\"> revenu brut<\/a>, alors \u00e9vitez de l\u2019utiliser comme prix maximal. Vous voudrez plut\u00f4t d\u00e9terminer le revenu que vous avez \u00e0 consacrer \u00e0 votre nouvelle propri\u00e9t\u00e9. Vous devrez tenir compte de toutes vos dettes et d\u00e9penses existantes pour calculer ce montant.<\/p>\n<p>Les experts recommandent que vos co\u00fbts mensuels de logement restent <a href=\"https:\/\/www.cmhc-schl.gc.ca\/en\/buying\/homebuying-in-canada-a-step-by-step-guide\/check-if-you-are-financially-ready-to-own-a-home\">inf\u00e9rieurs \u00e0 32 % de votre revenu mensuel total<\/a>. De plus, en incluant votre hypoth\u00e8que potentielle, vos dettes totales devraient \u00eatre inf\u00e9rieures \u00e0 40 % de votre revenu total. Sinon, vous risquez de vous mettre dans une situation financi\u00e8re potentiellement instable.<\/p>\n<p>Aussi, n\u2019oubliez pas de tenir compte des co\u00fbts permanents li\u00e9s \u00e0 la possession et \u00e0 l\u2019entretien d\u2019une demeure. Lorsque vous planifiez votre budget, laissez une marge de man\u0153uvre suffisante pour couvrir les co\u00fbts d\u2019entretien et de r\u00e9novation de la demeure, les imp\u00f4ts fonciers, les frais d\u2019association ou de condo, les int\u00e9r\u00eats sur le pr\u00eat et les frais d\u2019assurance hypoth\u00e9caire que vous aurez \u00e0 assumer.<\/p>\n<p>Enfin, n\u2019oubliez pas d\u2019ajouter le co\u00fbt des services professionnels qui accompagnent l\u2019achat du logis, y compris les honoraires des avocats et des agents immobiliers, les frais de cl\u00f4ture, d\u2019inspection de la demeure et de d\u00e9m\u00e9nagement.<\/p>\n<h2>Calculez le montant d\u2019une mise de fonds qui vous convient.<\/h2>\n<p>Une mise de fonds g\u00e9n\u00e9reuse r\u00e9duira le montant que vous devez emprunter pour acheter votre demeure. Donc, dans le cadre de votre pr\u00e9paration, d\u00e9terminez le montant d\u2019argent dont vous disposez pour couvrir le prix de la demeure. Cela permettra de r\u00e9duire les co\u00fbts globaux de l\u2019hypoth\u00e8que au fil du temps ainsi que le temps n\u00e9cessaire \u00e0 son remboursement.<\/p>\n<p>Si vous mettez moins de 20 % de la valeur de la demeure, vous aurez besoin d\u2019une <a href=\"https:\/\/www.cmhc-schl.gc.ca\/en\/buying\/mortgage-loan-insurance-for-consumers\/what-is-mortgage-loan-insurance\">assurance hypoth\u00e9caire <\/a> sur le pr\u00eat lui-m\u00eame, ce qui n\u2019est pas rare, mais qui alourdit le prix total.<\/p>\n<p>Si vous achetez une premi\u00e8re demeure, vous pouvez \u00e9galement <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/what-home-buyers-plan.html\">utiliser l\u2019argent de votre r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-retraite <\/a>(RER\/REER) sans p\u00e9nalit\u00e9 sur le plan fiscal, mais vous devez le rembourser dans les 25 ans.<\/p>\n<h2>\u00c9tablissez un financement appropri\u00e9.<\/h2>\n<p>Quand vous serez pr\u00eat \u00e0 collaborer avec votre pr\u00eateur pour \u00e9tablir un plan de remboursement hypoth\u00e9caire, vous devrez r\u00e9pondre \u00e0 des questions pour d\u00e9terminer si vous souhaitez un taux d\u2019int\u00e9r\u00eat fixe ou variable, sur combien d\u2019ann\u00e9es vous souhaitez rembourser le pr\u00eat et sur le montant mensuel de vos versements hypoth\u00e9caires qui vous convient.<\/p>\n<p>Il y a aussi d\u2019autres questions auxquelles il faut r\u00e9pondre, comme si l\u2019hypoth\u00e8que est ouverte (pour que vous puissiez la rembourser en tout temps) ou ferm\u00e9e. De plus, renseignez-vous pour savoir si le pr\u00eat est transf\u00e9rable \u00e0 une autre demeure si vous vendez la premi\u00e8re.<\/p>\n<p>Votre plan de financement tient compte de votre revenu disponible et du montant de votre mise de fonds. N\u2019h\u00e9sitez donc pas \u00e0 faire appel \u00e0 votre institution financi\u00e8re ou \u00e0 d\u2019autres experts jusqu\u2019\u00e0 ce que vous vous sentiez en mesure de faire des choix \u00e9clair\u00e9s. Voici un<a href=\"https:\/\/www.cmhc-schl.gc.ca\/en\/data-and-research\/publications-and-reports\/homebuying-step-by-step-your-guide-to-buying-a-home-in-canada\"> guide de r\u00e9f\u00e9rence pratique<\/a> qui vous donnera un bon point de d\u00e9part.<\/p>\n<p>De plus, vous devriez v\u00e9rifier si vous \u00eates admissible \u00e0 des programmes sp\u00e9ciaux ou \u00e0 des remboursements de taxes. Par exemple, si vous achetez une premi\u00e8re demeure, il existe des <a href=\"https:\/\/www.cmhc-schl.gc.ca\/en\/buying\/financial-information-and-calculators\/government-of-canada-programs-to-support-homebuyers\">programmes gouvernementaux pour les acheteurs<\/a> d\u2019habitations et, dans certains cas, votre municipalit\u00e9 pourrait aussi offrir d\u2019autres programmes incitatifs.<\/p>\n<p>Au moment d\u2019obtenir du financement, vous devriez \u00e9galement collaborer avec votre pr\u00eateur pour choisir la fr\u00e9quence de remboursement qui convient \u00e0 votre mode de vie. Dans certains cas, il se peut que vous puissiez vous permettre un <a href=\"https:\/\/www.cmhc-schl.gc.ca\/en\/finance-and-investing\/mortgage-loan-insurance\/the-resource\/managing-your-mortgage-tips-to-make-informed-home-financing-decisions\">versement acc\u00e9l\u00e9r\u00e9 aux deux semaines<\/a>, ce qui vous aidera \u00e0 poss\u00e9der votre demeure plus rapidement et \u00e0 payer moins d\u2019int\u00e9r\u00eat en fin de compte.<\/p>\n<h2>Soyez patient et consciencieux.<\/h2>\n<p>Avec tant de d\u00e9tails et d\u2019options \u00e0 consid\u00e9rer, l\u2019achat d\u2019une nouvelle demeure peut sembler une t\u00e2che intimidante. Par contre, de nombreuses ressources vous sont offertes. N\u2019ayez pas peur d\u2019en profiter et de poser autant de questions que possible. Enfin, avec un peu de patience et une bonne dose de planification, vous trouverez le nouvel endroit parfait pour vous sentir chez vous.<\/p>\n<p>Quand vous aurez d\u00e9termin\u00e9 comment vous financerez votre demeure, <a href=\"https:\/\/amj.com\/fr\/blog\">consultez notre blogue<\/a> pour vous aider \u00e0 vous installer dans votre nouvelle collectivit\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>F\u00e9licitations, vous allez devenir propri\u00e9taire! C\u2019est peut-\u00eatre votre premi\u00e8re incursion dans le monde de l\u2019immobilier, ou ce n\u2019est peut-\u00eatre pas votre premi\u00e8re exp\u00e9rience d\u2019achat de demeure. Quoi qu\u2019il en soit, la meilleure fa\u00e7on de tirer le meilleur parti de votre investissement est d\u2019opter pour un plan financier responsable qui tient compte de tous les aspects &hellip; <a href=\"https:\/\/amj.com\/fr\/mortgages-101-how-to-create-a-responsible-financial-plan\/\">Continued<\/a><\/p>\n","protected":false},"author":15,"featured_media":551,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18],"tags":[],"class_list":["post-738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-generalites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Hypoth\u00e8ques 101 : Comment cr\u00e9er un plan financier responsable - Canada&#039;s #1 Moving Company | Stress-Free Moving Services<\/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:\/\/amj.com\/fr\/mortgages-101-how-to-create-a-responsible-financial-plan\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypoth\u00e8ques 101 : Comment cr\u00e9er un plan financier responsable\" \/>\n<meta property=\"og:description\" content=\"F\u00e9licitations, vous allez devenir propri\u00e9taire! 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