{"id":456,"date":"2021-02-24T19:38:31","date_gmt":"2021-02-24T19:38:31","guid":{"rendered":"http:\/\/taux-pret-hypothecaire.com\/?p=456"},"modified":"2021-03-04T17:22:28","modified_gmt":"2021-03-04T17:22:28","slug":"acheter-avec-des-dettes-une-situation-de-covid-19","status":"publish","type":"post","link":"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/","title":{"rendered":"Achat, dettes et un petit truc appel\u00e9 COVID-19"},"content":{"rendered":"<p><strong>\u00c9TUDE DE CAS\u00a03<\/strong><\/p>\n<p>Mon client, que j\u2019ai pr\u00e9qualifi\u00e9 \u00e0 la mi-janvier\u00a02020 avec une excellente cote de cr\u00e9dit et aucun retard signal\u00e9, \u00e9tait pr\u00eat \u00e0 commencer \u00e0 magasiner et \u00e0 chercher la maison de ses r\u00eaves\u2026 ne sachant pas que quelques mois plus tard, l\u2019un des virus les plus mortels allait frapper et qu\u2019une panique majeure s\u2019installerait et fermerait litt\u00e9ralement le march\u00e9 immobilier et que tous seraient confin\u00e9s chez eux.<\/p>\n<p>\u00c0 la mi-avril, le march\u00e9 du logement s\u2019ouvrirait progressivement et mon client trouverait alors sa propri\u00e9t\u00e9.<\/p>\n<p>Puisque le rapport de solvabilit\u00e9 que j\u2019avais sorti en janvier \u00e9tait valable pour 30\u00a0jours, je n\u2019avais le choix que d\u2019en sortir un autre. \u00c0 notre grande surprise, la cote de cr\u00e9dit de mon client est tomb\u00e9e d\u2019environ 100\u00a0points; elle est pass\u00e9e de 714 \u00e0 614\u2009!<\/p>\n<p>Mon client a adh\u00e9r\u00e9 au programme d\u2019all\u00e8gement du cr\u00e9dit de la COVID-19, qui permettait aux clients de ne pas payer leurs cartes de cr\u00e9dit pendant trois mois. Toutefois, cette information \u00e9tait toujours communiqu\u00e9e \u00e0 Equifax alors qu\u2019elle ne devait pas l\u2019\u00eatre et a affect\u00e9 la cote de cr\u00e9dit.<\/p>\n<p>Mon client a pay\u00e9 sa carte de cr\u00e9dit le quatri\u00e8me mois, le syst\u00e8me a g\u00e9n\u00e9r\u00e9 une erreur et a ferm\u00e9 sa carte de cr\u00e9dit, ce qui a aggrav\u00e9 la situation.<\/p>\n<p>Il \u00e9tait maintenant temps pour moi de relever mes manches et de montrer \u00e0 mon client de quoi j\u2019\u00e9tais capable et trouver une strat\u00e9gie.<\/p>\n<p>La premi\u00e8re chose que mon client devait faire \u00e9tait d\u2019appeler la soci\u00e9t\u00e9 de carte de cr\u00e9dit pour expliquer et rectifier la situation et mentionner qu\u2019une erreur avait \u00e9t\u00e9 commise de la part de la soci\u00e9t\u00e9 \u00e9mettrice et de r\u00e9activer sa carte de cr\u00e9dit et d\u2019envoyer une lettre d\u2019explication et d\u2019excuses.<\/p>\n<p>Deuxi\u00e8mement, mon client devrait contacter Equifax pour leur expliquer et leur envoyer la lettre de la soci\u00e9t\u00e9 de carte de cr\u00e9dit expliquant l\u2019erreur commise.<\/p>\n<p>Quant \u00e0 moi, je devrais n\u00e9gocier et expliquer les d\u00e9tails de ce qui s\u2019\u00e9tait pass\u00e9 \u00e0 la banque. Ce fut une guerre acharn\u00e9e avec la banque pour le pr\u00eat hypoth\u00e9caire, mais j\u2019ai r\u00e9ussi\u00a0: pr\u00eat approuv\u00e9\u2009!<\/p>\n<p>Nous avons trouv\u00e9 un moyen, c\u2019est la raison pour laquelle nous disons que chaque hypoth\u00e8que est \u00ab\u2009sur mesure\u2009\u00bb, la situation hypoth\u00e9caire n\u2019\u00e9tant pas la m\u00eame pour chaque client.<\/p>\n<p>Achat, dettes, COVID-19\u2026 quel dossier\u2009!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un de mes clients que j&rsquo;ai pr\u00e9-qualifi\u00e9 \u00e0 la mi-janvier 2020 avec un excellent score de cr\u00e9dit et &#8230;<\/p>\n","protected":false},"author":1,"featured_media":374,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[25],"class_list":["post-456","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-covid-19","tag-mortgage-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Achat, dettes et un petit truc appel\u00e9 COVID-19 - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion<\/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:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Achat, dettes et un petit truc appel\u00e9 COVID-19 - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion\" \/>\n<meta property=\"og:description\" content=\"Un de mes clients que j&#039;ai pr\u00e9-qualifi\u00e9 \u00e0 la mi-janvier 2020 avec un excellent score de cr\u00e9dit et ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/\" \/>\n<meta property=\"og:site_name\" content=\"Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion\" \/>\n<meta property=\"article:published_time\" content=\"2021-02-24T19:38:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-03-04T17:22:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/pexels-andrea-piacquadio-3772618.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"894\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"wcdadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"wcdadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/\",\"url\":\"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/\",\"name\":\"Achat, dettes et un petit truc appel\u00e9 COVID-19 - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion\",\"isPartOf\":{\"@id\":\"https:\/\/custommademortgages.ca\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/pexels-andrea-piacquadio-3772618.jpg\",\"datePublished\":\"2021-02-24T19:38:31+00:00\",\"dateModified\":\"2021-03-04T17:22:28+00:00\",\"author\":{\"@id\":\"https:\/\/custommademortgages.ca\/fr\/#\/schema\/person\/3ee3d3bc34c5db3140e4c8ce685fadfc\"},\"breadcrumb\":{\"@id\":\"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#primaryimage\",\"url\":\"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/pexels-andrea-piacquadio-3772618.jpg\",\"contentUrl\":\"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/pexels-andrea-piacquadio-3772618.jpg\",\"width\":1280,\"height\":894},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/custommademortgages.ca\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Achat, dettes et un petit truc appel\u00e9 COVID-19\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/custommademortgages.ca\/fr\/#website\",\"url\":\"https:\/\/custommademortgages.ca\/fr\/\",\"name\":\"Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/custommademortgages.ca\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/custommademortgages.ca\/fr\/#\/schema\/person\/3ee3d3bc34c5db3140e4c8ce685fadfc\",\"name\":\"wcdadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/custommademortgages.ca\/fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/754e35716fed67c75bb3e98629d38f00b10e47c3b14c44a8ef15bf2ce0833634?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/754e35716fed67c75bb3e98629d38f00b10e47c3b14c44a8ef15bf2ce0833634?s=96&d=mm&r=g\",\"caption\":\"wcdadmin\"},\"url\":\"https:\/\/custommademortgages.ca\/fr\/author\/wcdadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Achat, dettes et un petit truc appel\u00e9 COVID-19 - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion","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:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/","og_locale":"fr_FR","og_type":"article","og_title":"Achat, dettes et un petit truc appel\u00e9 COVID-19 - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion","og_description":"Un de mes clients que j'ai pr\u00e9-qualifi\u00e9 \u00e0 la mi-janvier 2020 avec un excellent score de cr\u00e9dit et ...","og_url":"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/","og_site_name":"Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion","article_published_time":"2021-02-24T19:38:31+00:00","article_modified_time":"2021-03-04T17:22:28+00:00","og_image":[{"width":1280,"height":894,"url":"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/pexels-andrea-piacquadio-3772618.jpg","type":"image\/jpeg"}],"author":"wcdadmin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"wcdadmin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/","url":"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/","name":"Achat, dettes et un petit truc appel\u00e9 COVID-19 - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion","isPartOf":{"@id":"https:\/\/custommademortgages.ca\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#primaryimage"},"image":{"@id":"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#primaryimage"},"thumbnailUrl":"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/pexels-andrea-piacquadio-3772618.jpg","datePublished":"2021-02-24T19:38:31+00:00","dateModified":"2021-03-04T17:22:28+00:00","author":{"@id":"https:\/\/custommademortgages.ca\/fr\/#\/schema\/person\/3ee3d3bc34c5db3140e4c8ce685fadfc"},"breadcrumb":{"@id":"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#primaryimage","url":"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/pexels-andrea-piacquadio-3772618.jpg","contentUrl":"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/pexels-andrea-piacquadio-3772618.jpg","width":1280,"height":894},{"@type":"BreadcrumbList","@id":"https:\/\/custommademortgages.ca\/fr\/acheter-avec-des-dettes-une-situation-de-covid-19\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/custommademortgages.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Achat, dettes et un petit truc appel\u00e9 COVID-19"}]},{"@type":"WebSite","@id":"https:\/\/custommademortgages.ca\/fr\/#website","url":"https:\/\/custommademortgages.ca\/fr\/","name":"Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/custommademortgages.ca\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/custommademortgages.ca\/fr\/#\/schema\/person\/3ee3d3bc34c5db3140e4c8ce685fadfc","name":"wcdadmin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/custommademortgages.ca\/fr\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/754e35716fed67c75bb3e98629d38f00b10e47c3b14c44a8ef15bf2ce0833634?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/754e35716fed67c75bb3e98629d38f00b10e47c3b14c44a8ef15bf2ce0833634?s=96&d=mm&r=g","caption":"wcdadmin"},"url":"https:\/\/custommademortgages.ca\/fr\/author\/wcdadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/posts\/456","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/comments?post=456"}],"version-history":[{"count":7,"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/posts\/456\/revisions"}],"predecessor-version":[{"id":590,"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/posts\/456\/revisions\/590"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/media\/374"}],"wp:attachment":[{"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/media?parent=456"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/categories?post=456"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/tags?post=456"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}