{"id":95,"date":"2012-05-11T18:27:36","date_gmt":"2012-05-11T22:27:36","guid":{"rendered":"http:\/\/public.mediasimple.ca\/remax_papachristou\/?page_id=95"},"modified":"2025-04-02T13:47:19","modified_gmt":"2025-04-02T17:47:19","slug":"des-outils-pour-le-financement","status":"publish","type":"page","link":"https:\/\/catherinedawe.com\/fr\/acheter-2\/des-outils-pour-le-financement\/","title":{"rendered":"Des outils pour le financement"},"content":{"rendered":"

\"Financement\"<\/a>Plusieurs outils peuvent vous aider \u00e0 \u00e9valuer votre situation financi\u00e8re et ainsi r\u00e9aliser votre r\u00eave de devenir propri\u00e9taire.<\/p>\n

Capacit\u00e9 d’emprunt et pr\u00eat hypoth\u00e9caire pr\u00e9\u00e9tabli<\/h3>\n

Lorsque vous commencez \u00e0 rechercher une propri\u00e9t\u00e9, il est \u00e0 votre avantage de conna\u00eetre votre capacit\u00e9 d’emprunt. Ainsi, vous saurez vers quel type de propri\u00e9t\u00e9 vous tourner lors de vos recherches. Une bonne fa\u00e7on de faire est d’obtenir un pr\u00eat hypoth\u00e9caire pr\u00e9\u00e9tabli avant m\u00eame d’avoir trouv\u00e9 votre propri\u00e9t\u00e9. Gr\u00e2ce \u00e0 un pr\u00eat hypoth\u00e9caire pr\u00e9\u00e9tabli, vous conna\u00eetrez le montant que vous pouvez emprunter, le taux d’int\u00e9r\u00eat et le montant de chaque versement. Ainsi, vous rechercherez une propri\u00e9t\u00e9 \u00e0 la mesure de vos moyens.<\/p>\n

L’assurance pr\u00eat hypoth\u00e9caire<\/h3>\n

Vous r\u00eavez d’acheter une propri\u00e9t\u00e9, mais vous poss\u00e9dez moins de 20 % du prix d’achat pour la mise de fonds? Qu’\u00e0 cela ne tienne! L’assurance pr\u00eat hypoth\u00e9caire pourrait vous aider \u00e0 concr\u00e9tiser ce r\u00eave… Habituellement, de nos jours, les pr\u00eateurs exigent une assurance pr\u00eat hypoth\u00e9caire lorsque l’emprunteur verse une mise de fonds inf\u00e9rieure \u00e0 20 % du prix d’achat de la propri\u00e9t\u00e9.<\/p>\n

L’assurance pr\u00eat hypoth\u00e9caire s’applique \u00e0 divers types de propri\u00e9t\u00e9s neuves ou existantes.Il faut aussi garder \u00e0 l’esprit que plus la mise de fonds est modeste, plus les versements hypoth\u00e9caires et le co\u00fbt total de l’achat seront \u00e9lev\u00e9s. L’assurance pr\u00eat hypoth\u00e9caire est offerte au Canada par la Soci\u00e9t\u00e9 canadienne d’hypoth\u00e8ques et de logement (SCHL) et par GenworthFinancial Canada.<\/p>\n

Le R\u00e9gime d’accession \u00e0 la propri\u00e9t\u00e9<\/h3>\n

Le R\u00e9gime d’accession \u00e0 la propri\u00e9t\u00e9 (RAP) est un programme gouvernemental qui permet \u00e0 tout acheteur d’utiliser ses \u00e9conomies vers\u00e9es dans un REER pour financer l’achat d’une propri\u00e9t\u00e9 sans avoir \u00e0 payer d’imp\u00f4t sur le retrait. Les fonds retir\u00e9s doivent \u00eatre remis dans le REER selon le d\u00e9lai fix\u00e9 par le programme.<\/p>\n

Ni l’acheteur ni le conjoint ne doivent avoir \u00e9t\u00e9 propri\u00e9taires d’une habitation ayant servi de r\u00e9sidence principale au cours des cinq ann\u00e9es pr\u00e9c\u00e9dant la demande de retrait. De plus, l’acheteur doit avoir conclu une entente \u00e9crite pour l’achat ou la construction d’une propri\u00e9t\u00e9 (promesse d’achat ou contrat pr\u00e9liminaire) avant de pouvoir retirer les fonds du REER. Pour conna\u00eetre en d\u00e9tails les conditions d’admissibilit\u00e9, communiquez avec l’Agence du revenu du Canada ou avec votre institution financi\u00e8re.<\/p>\n

Des questions \u00e0 propos de ces outils de financement? N’h\u00e9sitez pas \u00e0 me contacter<\/a>!<\/p>\n

SOURCE : CENTRIS.CA<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Plusieurs outils peuvent vous aider \u00e0 \u00e9valuer votre situation financi\u00e8re et ainsi r\u00e9aliser votre r\u00eave de devenir propri\u00e9taire. Capacit\u00e9 d’emprunt et pr\u00eat hypoth\u00e9caire pr\u00e9\u00e9tabli Lorsque vous commencez \u00e0 rechercher une propri\u00e9t\u00e9, il est \u00e0 votre avantage de conna\u00eetre votre capacit\u00e9 d’emprunt. Ainsi, vous saurez vers quel type de propri\u00e9t\u00e9 vous tourner lors de vos recherches. 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