{"id":429,"date":"2021-02-24T19:10:23","date_gmt":"2021-02-24T19:10:23","guid":{"rendered":"http:\/\/taux-pret-hypothecaire.com\/?post_type=service&p=429"},"modified":"2021-03-04T17:11:25","modified_gmt":"2021-03-04T17:11:25","slug":"refinancement","status":"publish","type":"service","link":"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/","title":{"rendered":"Refinancement"},"content":{"rendered":"

Refinancement d\u2019hypoth\u00e8que<\/strong><\/p>\n

L\u2019id\u00e9e de poss\u00e9der et de financer une maison peut \u00eatre difficile, surtout pour les nouveaux acheteurs ou ceux qui ont un mauvais cr\u00e9dit. Apr\u00e8s tout, l\u2019investissement financier qu\u2019implique l\u2019achat d\u2019une maison peut \u00eatre co\u00fbteux. Pour ceux qui ont d\u00e9j\u00e0 contract\u00e9 un pr\u00eat hypoth\u00e9caire qui est devenu un fardeau, il est important de comprendre que \u00ab\u2009refinancer\u2009\u00bb n\u2019est pas un mot tabou. Le refinancement de votre maison peut \u00eatre un excellent moyen d\u2019\u00e9conomiser de l\u2019argent et de r\u00e9duire les paiements d\u2019int\u00e9r\u00eats, m\u00eame avec un cr\u00e9dit m\u00e9diocre ou inf\u00e9rieur \u00e0 la moyenne.<\/p>\n

Que signifie \u00ab\u2009refinancement\u2009\u00bb\u2009?<\/strong><\/p>\n

Refinancer votre pr\u00eat hypoth\u00e9caire signifie essentiellement contracter un nouveau pr\u00eat avec des conditions diff\u00e9rentes pour rembourser l\u2019hypoth\u00e8que d\u2019origine. Les clients peuvent \u00e9galement payer des dettes sp\u00e9cifiques \u2014 cartes de cr\u00e9dit, marge de cr\u00e9dit, solde de la voiture, etc., ou effectuer des r\u00e9novations. En somme, cela signifie se d\u00e9barrasser de l\u2019hypoth\u00e8que d\u2019origine en la remboursant avec le nouveau pr\u00eat.<\/p>\n

De quoi avez-vous besoin pour \u00eatre admissible \u00e0 un refinancement\u2009?<\/strong><\/p>\n

Pour pouvoir vous qualifier pour un refinancement, vous devez remplir quelques conditions. En g\u00e9n\u00e9ral, les pr\u00eateurs exigent un ratio pr\u00eat\/valeur inf\u00e9rieur \u00e0 80\u00a0% (ou une r\u00e9sidence avec 20\u00a0% de fonds propres). Ceci est calcul\u00e9 en divisant le solde de votre hypoth\u00e8que plus toute autre dette garantie par votre propri\u00e9t\u00e9, par la valeur actuelle de votre propri\u00e9t\u00e9.<\/p>\n

Votre pr\u00eateur \u00e9valuera \u00e9galement vos revenus et votre dette actuelle ou votre ratio du service de la dette. Les pr\u00eateurs exigent g\u00e9n\u00e9ralement que vos paiements hypoth\u00e9caires soient inf\u00e9rieurs \u00e0 39\u00a0% de votre revenu brut et que vos dettes globales ne d\u00e9passent pas 44\u00a0% de votre revenu brut.<\/p>\n

Les pr\u00eateurs peuvent \u00e9galement vous demander de fournir certains documents \u00e0 des fins de v\u00e9rification, telles qu\u2019un feuillet\u00a0T4, des talons de ch\u00e8que de paie, des relev\u00e9s bancaires, un avis de cotisation, un relev\u00e9 de pr\u00eat hypoth\u00e9caire ou une facture d\u2019imp\u00f4t foncier.<\/p>\n

Quels sont les co\u00fbts du refinancement d\u2019une hypoth\u00e8que\u2009?<\/strong><\/p>\n

Avant de d\u00e9cider de refinancer votre hypoth\u00e8que, assurez-vous de tenir compte des frais. Lorsque vous refinancez, vous devez payer des frais juridiques, des frais d\u2019\u00e9valuation, des p\u00e9nalit\u00e9s de remboursement anticip\u00e9, et \u00e9ventuellement des frais de lib\u00e9ration si vous d\u00e9cidez de changer de pr\u00eateur. Dans certains cas, \u00e9tant votre courtier, je chercherai les meilleures promotions disponibles afin de vous \u00e9viter les frais susmentionn\u00e9s. En g\u00e9n\u00e9ral, lorsque vous rompez un pr\u00eat hypoth\u00e9caire par anticipation, vous devez payer environ 3\u00a0mois d\u2019int\u00e9r\u00eats ou la p\u00e9nalit\u00e9 pour diff\u00e9rentiel de taux d\u2019int\u00e9r\u00eat, selon le montant le plus \u00e9lev\u00e9.<\/p>\n

 <\/p>\n","protected":false},"featured_media":359,"template":"","class_list":["post-429","service","type-service","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nRefinancement - 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\/refinancement\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinancement - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion\" \/>\n<meta property=\"og:description\" content=\"Refinancement d\u2019hypoth\u00e8que L\u2019id\u00e9e de poss\u00e9der et de financer une maison peut \u00eatre difficile, surtout pour les nouveaux acheteurs ou ceux qui ont un mauvais cr\u00e9dit. Apr\u00e8s tout, l\u2019investissement financier qu\u2019implique l\u2019achat d\u2019une maison peut \u00eatre co\u00fbteux. Pour ceux qui ont d\u00e9j\u00e0 contract\u00e9 un pr\u00eat hypoth\u00e9caire qui est devenu un fardeau, il est important de comprendre […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/\" \/>\n<meta property=\"og:site_name\" content=\"Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion\" \/>\n<meta property=\"article:modified_time\" content=\"2021-03-04T17:11:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/bg-innerheader.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" 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\/service\/refinancement\/\",\"url\":\"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/\",\"name\":\"Refinancement - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion\",\"isPartOf\":{\"@id\":\"https:\/\/custommademortgages.ca\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/bg-innerheader.jpg\",\"datePublished\":\"2021-02-24T19:10:23+00:00\",\"dateModified\":\"2021-03-04T17:11:25+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#primaryimage\",\"url\":\"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/bg-innerheader.jpg\",\"contentUrl\":\"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/bg-innerheader.jpg\",\"width\":1920,\"height\":1080},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/custommademortgages.ca\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Refinancement\"}]},{\"@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\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Refinancement - 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\/service\/refinancement\/","og_locale":"fr_FR","og_type":"article","og_title":"Refinancement - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion","og_description":"Refinancement d\u2019hypoth\u00e8que L\u2019id\u00e9e de poss\u00e9der et de financer une maison peut \u00eatre difficile, surtout pour les nouveaux acheteurs ou ceux qui ont un mauvais cr\u00e9dit. Apr\u00e8s tout, l\u2019investissement financier qu\u2019implique l\u2019achat d\u2019une maison peut \u00eatre co\u00fbteux. Pour ceux qui ont d\u00e9j\u00e0 contract\u00e9 un pr\u00eat hypoth\u00e9caire qui est devenu un fardeau, il est important de comprendre […]","og_url":"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/","og_site_name":"Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion","article_modified_time":"2021-03-04T17:11:25+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/bg-innerheader.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/","url":"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/","name":"Refinancement - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion","isPartOf":{"@id":"https:\/\/custommademortgages.ca\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#primaryimage"},"image":{"@id":"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#primaryimage"},"thumbnailUrl":"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/bg-innerheader.jpg","datePublished":"2021-02-24T19:10:23+00:00","dateModified":"2021-03-04T17:11:25+00:00","breadcrumb":{"@id":"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#primaryimage","url":"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/bg-innerheader.jpg","contentUrl":"https:\/\/custommademortgages.ca\/wp-content\/uploads\/2021\/02\/bg-innerheader.jpg","width":1920,"height":1080},{"@type":"BreadcrumbList","@id":"https:\/\/custommademortgages.ca\/fr\/service\/refinancement\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/custommademortgages.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Refinancement"}]},{"@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"}]}},"_links":{"self":[{"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/service\/429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/service"}],"about":[{"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/types\/service"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/media\/359"}],"wp:attachment":[{"href":"https:\/\/custommademortgages.ca\/fr\/wp-json\/wp\/v2\/media?parent=429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}