{"id":458,"date":"2021-02-24T19:39:45","date_gmt":"2021-02-24T19:39:45","guid":{"rendered":"http:\/\/taux-pret-hypothecaire.com\/?p=458"},"modified":"2021-03-04T17:13:50","modified_gmt":"2021-03-04T17:13:50","slug":"strategie-de-refinancement-et-equite","status":"publish","type":"post","link":"https:\/\/custommademortgages.ca\/fr\/strategie-de-refinancement-et-equite\/","title":{"rendered":"Strat\u00e9gie de Refinancement et Fonds Propres"},"content":{"rendered":"<p><strong>\u00c9TUDE DE CAS\u00a02<\/strong><\/p>\n<p>Une de mes anciennes clientes, pour qui j\u2019\u00e9tais le courtier hypoth\u00e9caire pour sa premi\u00e8re propri\u00e9t\u00e9, est la m\u00e8re de deux jeunes hommes adultes qui entrent \u00e0 l\u2019universit\u00e9, loin de la r\u00e9sidence. Elle m\u2019a contact\u00e9e pour me demander conseil sur la meilleure strat\u00e9gie \u00e0 adopter pour \u00e9viter de devoir payer un loyer, puisque ses deux fils vivront ensemble pr\u00e8s de leur \u00e9cole, dans un appartement voisin.<\/p>\n<p>Je lui ai conseill\u00e9, puisqu\u2019elle a des parts dans son ancienne r\u00e9sidence, de refinancer sa propri\u00e9t\u00e9 actuelle pour aller chercher l\u2019acompte pour la nouvelle demeure de ses gar\u00e7ons, pr\u00e8s de l\u2019universit\u00e9. Il s\u2019agirait alors d\u2019un bien d\u2019investissement dont elle aurait \u00e9galement le titre de propri\u00e9t\u00e9. Elle craignait l\u2019acompte de 20\u00a0%.<\/p>\n<p>Je lui ai mentionn\u00e9 que ce serait une maison secondaire et puisque ses fils sont des membres de la famille, la SCHL, qui est l\u2019assureur hypoth\u00e9caire, lui permettrait de verser le minimum, c\u2019est-\u00e0-dire une mise de fonds de 5\u00a0%.<\/p>\n<p>Nous avons donc refinanc\u00e9 sa maison actuelle et elle a pu acheter son premier bien d\u2019investissement et \u00e9viter de devoir aider ses fils \u00e0 payer le loyer d\u2019un bien qui ne lui appartient pas. De plus, cela donnerait \u00e0 ses fils leur premi\u00e8re responsabilit\u00e9 et leur premi\u00e8re r\u00e9sidence en tant que jeunes adultes.<\/p>\n<p>Tout est possible, il suffit d\u2019\u00eatre \u00e9duqu\u00e9 et d\u2019avoir une bonne strat\u00e9gie.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une de mes anciennes clientes, dont j&rsquo;\u00e9tais le courtier qui a effectu\u00e9 l&rsquo;hypoth\u00e8que sur sa premi\u00e8re propri\u00e9t\u00e9&#8230;<\/p>\n","protected":false},"author":1,"featured_media":373,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[31],"tags":[25,26],"class_list":["post-458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-deuxieme-achat","tag-mortgage-fr","tag-property-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Strat\u00e9gie de Refinancement et Fonds Propres - 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