{"id":427,"date":"2021-02-24T19:11:17","date_gmt":"2021-02-24T19:11:17","guid":{"rendered":"http:\/\/taux-pret-hypothecaire.com\/?post_type=service&#038;p=427"},"modified":"2021-03-04T17:15:04","modified_gmt":"2021-03-04T17:15:04","slug":"transfert-dhypotheque","status":"publish","type":"service","link":"https:\/\/custommademortgages.ca\/fr\/service\/transfert-dhypotheque\/","title":{"rendered":"Transfert d&rsquo;Hypoth\u00e8que"},"content":{"rendered":"<p><strong>Qu\u2019est-ce qu\u2019un transfert d\u2019hypoth\u00e8que\u2009?<\/strong><\/p>\n<p>Le transfert d\u2019hypoth\u00e8que est une op\u00e9ration par laquelle l\u2019emprunteur ou le pr\u00eateur c\u00e8de une hypoth\u00e8que existante (un pr\u00eat pour l\u2019achat d\u2019un bien immobilier \u2014 g\u00e9n\u00e9ralement une habitation \u2014 en utilisant le bien comme garantie) du titulaire actuel \u00e0 une autre personne ou entit\u00e9. Les propri\u00e9taires qui ne sont pas en mesure de respecter leurs \u00e9ch\u00e9ances hypoth\u00e9caires peuvent demander un transfert afin de ne pas se retrouver en situation de d\u00e9faut et faire face \u00e0 une saisie de leur bien.<\/p>\n<p><strong>POINTS IMPORTANTS \u00c0 RETENIR<\/strong><\/p>\n<p>\u2013\u00a0Un transfert d\u2019hypoth\u00e8que est la r\u00e9affectation d\u2019une hypoth\u00e8que existante, g\u00e9n\u00e9ralement sur une propri\u00e9t\u00e9, du titulaire actuel \u00e0 une autre personne ou entit\u00e9.<\/p>\n<p>\u2013\u00a0Toutes les hypoth\u00e8ques ne sont pas transf\u00e9rables; si elles le sont, le pr\u00eateur a le droit d\u2019approuver la personne qui assume le pr\u00eat.<\/p>\n<p>\u2013\u00a0Les pr\u00eateurs hypoth\u00e9caires incluent souvent dans leurs pr\u00eats une clause d\u2019\u00e9ch\u00e9ance de vente qui interdit \u00e0 un vendeur de maisons de transf\u00e9rer une hypoth\u00e8que \u00e0 un acheteur.<\/p>\n<p><strong>Comment fonctionne le transfert d\u2019une hypoth\u00e8que<\/strong><\/p>\n<p>Un acheteur peut vouloir prendre une hypoth\u00e8que plus ancienne parce qu\u2019un tel transfert pourrait lui permettre de profiter de taux d\u2019int\u00e9r\u00eat ant\u00e9rieurs qui auraient pu \u00eatre plus bas que les taux actuels du march\u00e9. Un transfert d\u2019hypoth\u00e8que, s\u2019il est men\u00e9 \u00e0 bien sans contestation ni stipulation, ne modifierait pas les conditions ou la dur\u00e9e du pr\u00eat, ne laissant que le solde restant d\u00fb \u00e0 rembourser. Gr\u00e2ce au transfert d\u2019hypoth\u00e8que, un acheteur pourrait \u00e9galement \u00e9viter de devoir payer les frais de cl\u00f4ture li\u00e9s \u00e0 l\u2019achat d\u2019une maison avec une nouvelle hypoth\u00e8que.<\/p>\n<p>Toutes les hypoth\u00e8ques ne peuvent pas faire l\u2019objet d\u2019un transfert. Si c\u2019est le cas, l\u2019hypoth\u00e8que est dite \u00ab\u2009transf\u00e9rable\u2009\u00bb. Pour transf\u00e9rer une hypoth\u00e8que, le pr\u00eateur devra v\u00e9rifier que la personne ou l\u2019entit\u00e9 qui assumera le pr\u00eat a des revenus et des ant\u00e9c\u00e9dents de cr\u00e9dit suffisants pour pouvoir effectuer les paiements en temps voulu.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"featured_media":359,"template":"","class_list":["post-427","service","type-service","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Transfert d&#039;Hypoth\u00e8que - 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\/service\/transfert-dhypotheque\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transfert d&#039;Hypoth\u00e8que - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion\" \/>\n<meta property=\"og:description\" content=\"Qu\u2019est-ce qu\u2019un transfert d\u2019hypoth\u00e8que\u2009? 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