{"id":1696,"date":"2018-07-23T08:35:11","date_gmt":"2018-07-23T12:35:11","guid":{"rendered":"http:\/\/fannybergeron.com\/?p=1696"},"modified":"2018-07-23T08:35:11","modified_gmt":"2018-07-23T12:35:11","slug":"piege-de-marge-de-credit-hypothecaire","status":"publish","type":"post","link":"https:\/\/fannybergeron.com\/en\/actualites-immobilieres\/piege-de-marge-de-credit-hypothecaire\/","title":{"rendered":"Le pi\u00e8ge de la marge de cr\u00e9dit hypoth\u00e9caire"},"content":{"rendered":"<h4><strong>Votre maison n\u2019est pas un guichet automatique. La marge de cr\u00e9dit hypoth\u00e9caire est r\u00e9ellement pratique pour un consommateur responsable.<\/strong><\/h4>\n<p>Vous avez des r\u00e9novations \u00e0 faire, vous voulez acheter une voiture et n\u00e9gocier le prix avec le concessionnaire, vous voulez consolider vos dettes, retourner aux \u00e9tudes et, surtout, ramener le solde de vos cartes de cr\u00e9dit \u00e0 z\u00e9ro chaque mois ?<\/p>\n<p>Quel bel outil que cette marge, car vous n\u2019avez pas \u00e0 passer devant le notaire chaque fois que vous voulez ajuster le solde du pr\u00eat pour un montant important. Et le taux d\u2019int\u00e9r\u00eat, quoique variable, est souvent beaucoup moins \u00e9lev\u00e9 qu\u2019un pr\u00eat hypoth\u00e9caire ou personnel conventionnel.<\/p>\n<p><strong>Prudence<\/strong><\/p>\n<p>La plupart des consommateurs comprennent mal la m\u00e9canique des marges de cr\u00e9dit hypoth\u00e9caire. Les banques proposent de plus en plus une combinaison de pr\u00eats sur valeur nette, soit une marge de cr\u00e9dit hypoth\u00e9caire et une hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance fixe.<\/p>\n<p>&nbsp;<\/p>\n<p>Cette combinaison compte pour environ 80 % des marges de cr\u00e9dit hypoth\u00e9caire. Beaucoup de consommateurs en comprennent mal la m\u00e9canique.<\/p>\n<p>Le nombre de marges de cr\u00e9dit hypoth\u00e9caire a augment\u00e9 de 40 % depuis 2011, selon l\u2019Agence de la consommation en mati\u00e8re financi\u00e8re du Canada (ACFC). En 2016, 40 % des consommateurs ne faisaient pas de paiements r\u00e9guliers, couvrant capital et int\u00e9r\u00eats, pour rembourser leur marge, et 25 % ne paient que les int\u00e9r\u00eats ou le minimum. La majorit\u00e9 des gens ne remboursent pas totalement leur marge avant de revendre la maison, selon l\u2019ACFC.<\/p>\n<p>En 2016, les soldes impay\u00e9s sur ces marges totalisaient 211 G$, soit 70 000 $ par m\u00e9nage. L\u2019ACFC croit que la popularit\u00e9 de ces marges a encourag\u00e9 le surendettement.<\/p>\n<p>&nbsp;<\/p>\n<h4><strong>Faire vos calculs<\/strong><\/h4>\n<p>Beaucoup de gens croient qu\u2019ils remboursent leur hypoth\u00e8que, car ils font des paiements mensuels. Mais s\u2019ils puisent dedans, ils ne remboursent souvent rien.<\/p>\n<p>Si vous voulez vous servir intelligemment de votre marge de cr\u00e9dit hypoth\u00e9caire, calculez le co\u00fbt exact de chaque projet (r\u00e9novations, achat d\u2019une piscine, d\u2019une voiture, impr\u00e9vus, comme des soins dentaires ou r\u00e9parations automobiles).<\/p>\n<p>\u00c9tablissez une liste des am\u00e9liorations ou r\u00e9parations \u00e0 faire sur votre maison pour les dix prochaines ann\u00e9es (toiture, chauffe-eau, paysagement, fen\u00eatres, salles de bains, cuisine&#8230;), \u00e9valuez leur co\u00fbt et \u00e9talez tous ces projets dans le temps. Divisez ces co\u00fbts sur une base mensuelle et ajustez votre emprunt en cons\u00e9quence.<\/p>\n<p>Vous aurez peut-\u00eatre \u00e0 faire des choix&#8230; Discutez de cette question en couple et r\u00e9partissez entre vous l\u2019\u00e9valuation financi\u00e8re de vos projets futurs.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.journaldemontreal.com\/2018\/07\/17\/le-piege-de-la-marge-de-credit-hypothecaire\" target=\"_blank\" rel=\"noopener\">Pour lire la suite, cliquez ici<\/a><\/p>\n<p>Source: Le Journal de Montr\u00e9al | Argent dans vos poches | St\u00e9phane Desjardins |Mardi, 17 juillet 2018 2<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Votre maison n\u2019est pas un guichet automatique. La marge de cr\u00e9dit hypoth\u00e9caire est r\u00e9ellement pratique pour un consommateur responsable. Vous avez des r\u00e9novations \u00e0 faire, vous voulez acheter une voiture et n\u00e9gocier le prix avec le concessionnaire, vous voulez consolider vos dettes, retourner aux \u00e9tudes et, surtout, ramener le solde de vos cartes de cr\u00e9dit [&hellip;]<\/p>\n","protected":false},"author":634,"featured_media":1697,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-1696","post","type-post","status-publish","format-standard","hentry","category-actualites-immobilieres"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Marge de cr\u00e9dit hypoth\u00e9caire | Remax St-Jean-sur-Richelieu<\/title>\n<meta name=\"description\" content=\"Votre maison n\u2019est pas un guichet automatique. 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