{"id":430,"date":"2021-02-24T19:00:16","date_gmt":"2021-02-24T19:00:16","guid":{"rendered":"http:\/\/taux-pret-hypothecaire.com\/?post_type=service&#038;p=430"},"modified":"2021-03-04T17:18:48","modified_gmt":"2021-03-04T17:18:48","slug":"acheteurs-de-maison","status":"publish","type":"service","link":"https:\/\/custommademortgages.ca\/fr\/service\/acheteurs-de-maison\/","title":{"rendered":"Achat d&rsquo;une propri\u00e9t\u00e9"},"content":{"rendered":"<p><strong>Pr\u00eat hypoth\u00e9caire pour l\u2019achat d\u2019une propri\u00e9t\u00e9<\/strong><\/p>\n<p>La prise de l\u2019une des d\u00e9cisions les plus importantes de votre vie, l\u2019achat de votre premi\u00e8re propri\u00e9t\u00e9, apportera sans aucun doute son lot de questions. Passer de locataire \u00e0 propri\u00e9taire est une d\u00e9cision tr\u00e8s prometteuse, vous investissez dans votre propre avenir. Cependant, les gains sont multiples et tr\u00e8s r\u00e9els et vous devez mettre votre projet d\u2019achat en perspective pour \u00eatre convaincu. Plusieurs \u00e9tapes sont importantes \u00e0 suivre pour que votre r\u00eave devienne r\u00e9alit\u00e9.<\/p>\n<p><strong>Pr\u00e9autorisation<\/strong><\/p>\n<p>Un petit conseil pour vous aider \u00e0 gagner du temps et de l\u2019argent\u00a0: rencontrez un courtier hypoth\u00e9caire avant de commencer \u00e0 chercher la maison de vos r\u00eaves\u2009!<\/p>\n<p>Ainsi, vous saurez exactement quelle est votre capacit\u00e9 d\u2019emprunt, quels produits hypoth\u00e9caires vous sont disponibles, lequel vous convient et vous pourrez r\u00e9server le meilleur taux. Vous serez ainsi prot\u00e9g\u00e9 contre les hausses de taux pendant une p\u00e9riode pouvant aller jusqu\u2019\u00e0 180\u00a0jours. Cette p\u00e9riode vous permettra de trouver une r\u00e9sidence sans vous soucier d\u2019une \u00e9ventuelle hausse des taux d\u2019int\u00e9r\u00eat. Cette \u00e9tape d\u00e9montrera le s\u00e9rieux de votre d\u00e9marche et augmentera ainsi votre cr\u00e9dibilit\u00e9 lors de la n\u00e9gociation de l\u2019achat d\u2019un bien immobilier. Certaines informations sont utiles pour obtenir votre pr\u00e9autorisation.<\/p>\n<p>Veuillez nous contacter pour entamer cette premi\u00e8re \u00e9tape.<\/p>\n<p><strong>Salari\u00e9<\/strong><\/p>\n<p>Comme salari\u00e9, votre situation \u00e9conomique stable est une garantie de solvabilit\u00e9 aux yeux des institutions financi\u00e8res, qui n\u2019h\u00e9sitent pas \u00e0 vous proposer davantage d\u2019options hypoth\u00e9caires. Vous tirerez profit d\u2019un large \u00e9ventail de produits hypoth\u00e9caires, mais seul un courtier hypoth\u00e9caire peut vous pr\u00e9senter un tel \u00e9ventail de choix.<\/p>\n<p>Plus de 165\u00a0produits hypoth\u00e9caires sont disponibles aupr\u00e8s des plus grands \u00e9tablissements financiers du pays. Vous pouvez obtenir des pr\u00eats hypoth\u00e9caires fixes, variables, ouverts, convertibles, ferm\u00e9s, \u00e0 taux r\u00e9duit.<\/p>\n<p>Voir les informations destin\u00e9es aux travailleurs autonomes<\/p>\n<p><strong>Nouvel arrivant\/immigrant<\/strong><\/p>\n<p>Nous avons des pr\u00eats pour les personnes arrivant au Canada qui sont pr\u00eates \u00e0 acheter une propri\u00e9t\u00e9. Un statut de r\u00e9sident permanent est n\u00e9cessaire. Comme certaines personnes ont peu ou pas de revenus, elles ne r\u00e9pondent g\u00e9n\u00e9ralement pas aux crit\u00e8res financiers des institutions financi\u00e8res traditionnelles. En tant que courtier hypoth\u00e9caire, je peux simplifier votre transaction.<\/p>\n<p><strong>Ce que vous devez savoir\u00a0:<\/strong><\/p>\n<p>\u2014\u00a0Si vous souhaitez acqu\u00e9rir une propri\u00e9t\u00e9 de 1 \u00e0 2\u00a0logements, vous devrez verser une mise de fonds de 5\u00a0%.<\/p>\n<p>\u2014\u00a0En revanche, si vous envisagez d\u2019acheter une propri\u00e9t\u00e9 de 3 ou 4\u00a0logements, vous devrez verser une mise de fonds de 10\u00a0%.<\/p>\n<p>\u2014\u00a0Enfin, si vous avez l\u2019intention d\u2019acheter une propri\u00e9t\u00e9 de 5\u00a0unit\u00e9s ou plus, vous devrez pr\u00e9voir une mise de fonds de 15\u00a0%.<\/p>\n<p><strong>Documents requis<\/strong><\/p>\n<p><strong>Salari\u00e9\u00a0:<\/strong><\/p>\n<p>\u2014\u00a0Lettre d\u2019emploi<\/p>\n<p>\u2014\u00a0Bulletin de paie<\/p>\n<p>\u2014\u00a0Offre d\u2019achat compl\u00e8te accept\u00e9e<\/p>\n<p>\u2014\u00a0Fichier MLS<\/p>\n<p>\u2014\u00a0Aper\u00e7u de l\u2019historique<\/p>\n<p><strong>Autonome\u00a0:<\/strong><\/p>\n<p>\u2014\u00a0Avis de cotisation<\/p>\n<p>\u2014\u00a0D\u00e9claration de revenus ou \u00e9tats financiers<\/p>\n<p><strong>Immeuble locatif\u00a0:<\/strong><\/p>\n<p>\u2014\u00a0Baux\u00a0:<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"featured_media":359,"template":"","class_list":["post-430","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>Achat d&#039;une propri\u00e9t\u00e9 - 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\/acheteurs-de-maison\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Achat d&#039;une propri\u00e9t\u00e9 - Clifton Mahotieres - Mortgage Broker - Centre Hypoth\u00e9caire Dominion\" \/>\n<meta property=\"og:description\" content=\"Pr\u00eat hypoth\u00e9caire pour l\u2019achat d\u2019une propri\u00e9t\u00e9 La prise de l\u2019une des d\u00e9cisions les plus importantes de votre vie, l\u2019achat de votre premi\u00e8re propri\u00e9t\u00e9, apportera sans aucun doute son lot de questions. 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