{"id":4674,"date":"2026-03-25T17:02:43","date_gmt":"2026-03-25T21:02:43","guid":{"rendered":"https:\/\/www.excel-finance.ca\/?page_id=4674"},"modified":"2026-03-25T17:04:25","modified_gmt":"2026-03-25T21:04:25","slug":"refus-hypothecaire-solution","status":"publish","type":"page","link":"https:\/\/www.excel-finance.ca\/fr\/pret-prive\/refus-hypothecaire-solution\/","title":{"rendered":"Refus hypoth\u00e9caire : solutions apr\u00e8s un refus bancaire"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4674\" class=\"elementor elementor-4674\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0eed16b elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"0eed16b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;de4a87d&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3c5c7e4\" data-id=\"3c5c7e4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93729b4 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"93729b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Refus Hypoth\u00e9caire<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32b01b9 elementor-widget elementor-widget-spacer\" data-id=\"32b01b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b5b360 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1b5b360\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Solutions apr\u00e8s un refus bancaire au Qu\u00e9bec<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fd237ca elementor-hidden-phone\" data-id=\"fd237ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-84c1abb pt85 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"84c1abb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;d5a5499&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0096f24\" data-id=\"0096f24\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fff43b width-90 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5fff43b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Refus Hypoth\u00e9caire<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f37b955 elementor-widget elementor-widget-heading\" data-id=\"f37b955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Quelles sont les solutions apr\u00e8s un refus bancaire au Qu\u00e9bec?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f11e42 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f11e42\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1808787\" data-id=\"1808787\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-83375ba elementor-widget elementor-widget-text-editor\" data-id=\"83375ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1424\" data-end=\"1715\">Un refus hypoth\u00e9caire peut \u00eatre d\u00e9stabilisant, surtout lorsqu\u2019un projet immobilier est en jeu. Pourtant, un refus bancaire ne signifie pas n\u00e9cessairement que toutes les options sont \u00e9puis\u00e9es. Plusieurs propri\u00e9taires se retrouvent dans cette situation chaque ann\u00e9e, souvent en raison de crit\u00e8res bancaires stricts qui ne refl\u00e8tent pas toujours leur r\u00e9alit\u00e9 actuelle.<\/p><p data-start=\"1424\" data-end=\"1715\">Dans bien des cas, des solutions alternatives comme le pr\u00eat hypoth\u00e9caire priv\u00e9 permettent de d\u00e9bloquer une situation rapidement et de reprendre le contr\u00f4le.<\/p><p data-start=\"1424\" data-end=\"1715\">Un <a href=\"https:\/\/www.excel-finance.ca\/fr\/pret-prive\/pret-prive-montreal-quebec\/\"><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">pr\u00eat priv\u00e9 \u00e0<\/span> Montr\u00e9al et au Qu\u00e9bec<\/a><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">\u00a0<\/span>peut offrir une flexibilit\u00e9 que les institutions financi\u00e8res traditionnelles ne permettent pas toujours.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bbe9e81 elementor-section-content-middle pv50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bbe9e81\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;05f663a&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1e4191f hide-tablet-v\" data-id=\"1e4191f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2e95a9f\" data-id=\"2e95a9f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ddf850 elementor-widget elementor-widget-heading\" data-id=\"0ddf850\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi une banque refuse une hypoth\u00e8que?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d05a799 elementor-widget elementor-widget-spacer\" data-id=\"d05a799\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47618ed elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"47618ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2797\" data-end=\"2975\">Les institutions financi\u00e8res traditionnelles appliquent des crit\u00e8res stricts pour \u00e9valuer les demandes hypoth\u00e9caires. Les raisons les plus fr\u00e9quentes incluent :<\/p><ul><li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">une cote de cr\u00e9dit trop faible<\/span><\/li><li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">un ratio d\u2019endettement \u00e9lev\u00e9<\/span><\/li><li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">des revenus jug\u00e9s instables ou difficiles \u00e0 valider<\/span><\/li><li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">un historique financier comportant des retards ou incidents<\/span><\/li><li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">un projet immobilier jug\u00e9 trop risqu\u00e9<\/span><\/li><\/ul><p data-start=\"2797\" data-end=\"2975\">Dans la majorit\u00e9 des cas, les banques analysent surtout le pass\u00e9 financier, plut\u00f4t que la situation actuelle ou le potentiel de redressement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1bd3c3b elementor-section-content-middle pv50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1bd3c3b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;05f663a&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-497f938\" data-id=\"497f938\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac83ba9 elementor-widget elementor-widget-heading\" data-id=\"ac83ba9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que faire apr\u00e8s un refus hypoth\u00e9caire?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6f07f9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f6f07f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2194\" data-end=\"2273\">Un refus n\u2019est pas une impasse. Plusieurs options existent selon la situation :<\/p><p><strong>1. Am\u00e9liorer sa situation financi\u00e8re<\/strong><\/p><ul data-start=\"2313\" data-end=\"2399\"><li data-section-id=\"xw6unn\" data-start=\"2313\" data-end=\"2340\"><p data-start=\"2315\" data-end=\"2340\">r\u00e9duire son endettement<\/p><\/li><li data-section-id=\"14o29il\" data-start=\"2341\" data-end=\"2372\"><p data-start=\"2343\" data-end=\"2372\">am\u00e9liorer sa cote de cr\u00e9dit<\/p><\/li><li data-section-id=\"1ggav9p\" data-start=\"2373\" data-end=\"2399\"><p data-start=\"2375\" data-end=\"2399\">stabiliser ses revenus<\/p><\/li><\/ul><p data-section-id=\"19jrz67\" data-start=\"2401\" data-end=\"2435\"><strong>2. Reporter ou ajuster son projet<\/strong><\/p><ul data-start=\"2436\" data-end=\"2490\"><li data-section-id=\"ldi4pd\" data-start=\"2436\" data-end=\"2456\"><p data-start=\"2438\" data-end=\"2456\">revoir le budget<\/p><\/li><li data-section-id=\"dwwxp9\" data-start=\"2457\" data-end=\"2490\"><p data-start=\"2459\" data-end=\"2490\">modifier le type de propri\u00e9t\u00e9<\/p><\/li><\/ul><p data-section-id=\"1xqvlcj\" data-start=\"2492\" data-end=\"2533\"><strong>3. <\/strong><a href=\"https:\/\/www.excel-finance.ca\/fr\/nos-produits\/financement-ou-refinancement-de-prets-hypothecaires\/\"><strong>Refinancer ou restructurer ses dettes<\/strong><\/a><\/p><p data-section-id=\"1xqvlcj\" data-start=\"2492\" data-end=\"2533\"><strong>4. Explorer le financement priv\u00e9 (solution rapide)<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7fe7e74 hide-tablet-v\" data-id=\"7fe7e74\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-725d51e elementor-widget elementor-widget-spacer\" data-id=\"725d51e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a4c9468 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a4c9468\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;2c29cca&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1f9de7c col-content-left  pv100 col-100-tablet-v\" data-id=\"1f9de7c\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a39ef29 elementor-widget elementor-widget-heading\" data-id=\"a39ef29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le pr\u00eat hypoth\u00e9caire priv\u00e9 comme solution apr\u00e8s un refus bancaire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d88665 elementor-widget elementor-widget-text-editor\" data-id=\"3d88665\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2788\" data-end=\"2873\">Le financement priv\u00e9 constitue souvent une solution concr\u00e8te apr\u00e8s un refus bancaire.<\/p><p data-start=\"2875\" data-end=\"2902\">Contrairement aux banques :<\/p><ul data-start=\"2904\" data-end=\"3043\"><li data-section-id=\"a77zcr\" data-start=\"2904\" data-end=\"2966\"><p data-start=\"2906\" data-end=\"2966\">l\u2019analyse repose davantage sur la <strong data-start=\"2940\" data-end=\"2966\">valeur de la propri\u00e9t\u00e9<\/strong><\/p><\/li><li data-section-id=\"u103sc\" data-start=\"2967\" data-end=\"3004\"><p data-start=\"2969\" data-end=\"3004\">la prise de d\u00e9cision est <strong data-start=\"2994\" data-end=\"3004\">rapide<\/strong><\/p><\/li><li data-section-id=\"1588lu0\" data-start=\"3005\" data-end=\"3043\"><p data-start=\"3007\" data-end=\"3043\">les crit\u00e8res sont <strong data-start=\"3025\" data-end=\"3043\">plus flexibles<\/strong><\/p><\/li><\/ul><p data-start=\"3045\" data-end=\"3188\">Un pr\u00eateur priv\u00e9 peut intervenir dans des situations o\u00f9 le dossier est solide \u00e0 court terme, mais ne correspond pas aux exigences bancaires.<\/p><p data-start=\"3190\" data-end=\"3266\">Dans plusieurs cas, un<br data-start=\"3212\" data-end=\"3215\" \/><strong data-start=\"3215\" data-end=\"3252\">pr\u00eat hypoth\u00e9caire priv\u00e9 au Qu\u00e9bec<\/strong><br data-start=\"3252\" data-end=\"3255\" \/>permet de :<\/p><ul data-start=\"3268\" data-end=\"3382\"><li data-section-id=\"1xydqjr\" data-start=\"3268\" data-end=\"3305\"><p data-start=\"3270\" data-end=\"3305\">stabiliser une situation financi\u00e8re<\/p><\/li><li data-section-id=\"1czxt39\" data-start=\"3306\" data-end=\"3329\"><p data-start=\"3308\" data-end=\"3329\">consolider des dettes<\/p><\/li><li data-section-id=\"4sm6ef\" data-start=\"3330\" data-end=\"3349\"><p data-start=\"3332\" data-end=\"3349\">\u00e9viter une saisie<\/p><\/li><li data-section-id=\"1eb61bh\" data-start=\"3350\" data-end=\"3382\"><p data-start=\"3352\" data-end=\"3382\">compl\u00e9ter un projet immobilier<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f3eb842 hide-tablet-v\" data-id=\"f3eb842\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b17c2c elementor-widget elementor-widget-spacer\" data-id=\"1b17c2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3b86eb8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3b86eb8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;2c29cca&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-40e9a7f hide-tablet-v\" data-id=\"40e9a7f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee83991 elementor-widget elementor-widget-spacer\" data-id=\"ee83991\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cab02b2 col-content-left  pv100 col-100-tablet-v\" data-id=\"cab02b2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-86519e1 elementor-widget elementor-widget-heading\" data-id=\"86519e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dans quelles situations un pr\u00eat priv\u00e9 peut-il aider ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5dc5e2 elementor-widget elementor-widget-text-editor\" data-id=\"c5dc5e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-section-id=\"1vi7bal\" data-start=\"3452\" data-end=\"3487\"><strong>Refus li\u00e9 \u00e0 la cote de cr\u00e9dit<\/strong><\/p><ul><li data-start=\"3488\" data-end=\"3557\">M\u00eame avec un historique imparfait, un financement peut \u00eatre possible.<\/li><\/ul><p data-start=\"3488\" data-end=\"3557\"><a href=\"https:\/\/www.excel-finance.ca\/fr\/nos-produits\/consolidation-de-dettes\/\"><strong>Consolidation de dettes<\/strong><\/a><\/p><ul><li data-start=\"1564\" data-end=\"1652\">Permet de regrouper plusieurs paiements en un seul.<\/li><\/ul><p data-start=\"3488\" data-end=\"3557\"><a href=\"https:\/\/www.excel-finance.ca\/fr\/nos-produits\/avis-de-60-jours-hypotheque-legale\/\"><strong>Situation urgente (avis de 60 jours)<\/strong><\/a><\/p><ul><li data-start=\"1564\" data-end=\"1652\">Permet d\u2019\u00e9viter la perte d\u2019une propri\u00e9t\u00e9.<\/li><\/ul><p data-start=\"3488\" data-end=\"3557\"><strong>Besoin de rapidit\u00e9<\/strong><\/p><ul><li data-start=\"1564\" data-end=\"1652\">Dans certains cas, les d\u00e9lais bancaires sont incompatibles avec la situation.<\/li><\/ul><h2 data-start=\"4057\" data-end=\"4099\">\u00a0<\/h2><h2 data-start=\"4057\" data-end=\"4099\">Une solution de transition, pas permanente<\/h2><p data-start=\"4101\" data-end=\"4187\">Le pr\u00eat hypoth\u00e9caire priv\u00e9 est g\u00e9n\u00e9ralement utilis\u00e9 comme une solution <strong data-start=\"4172\" data-end=\"4186\">temporaire<\/strong>.<\/p><p data-start=\"4189\" data-end=\"4203\">Il permet de :<\/p><ul data-start=\"4205\" data-end=\"4308\"><li data-section-id=\"1knrevy\" data-start=\"4205\" data-end=\"4222\"><p data-start=\"4207\" data-end=\"4222\">gagner du temps<\/p><\/li><li data-section-id=\"1k7s0i5\" data-start=\"4223\" data-end=\"4258\"><p data-start=\"4225\" data-end=\"4258\">am\u00e9liorer sa situation financi\u00e8re<\/p><\/li><li data-section-id=\"1ertfr9\" data-start=\"4259\" data-end=\"4308\"><p data-start=\"4261\" data-end=\"4308\">pr\u00e9parer un retour vers un financement bancaire<\/p><\/li><\/ul><p data-start=\"4310\" data-end=\"4390\">La majorit\u00e9 des pr\u00eats priv\u00e9s sont structur\u00e9s sur une p\u00e9riode de <strong data-start=\"4374\" data-end=\"4389\">6 \u00e0 24 mois<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d1e134 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"9d1e134\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.excel-finance.ca\/fr\/demande-de-pret\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez un pr\u00eat<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b1136cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1136cd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-da0c656\" data-id=\"da0c656\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8eb01f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f8eb01f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-313963d elementor-section-content-middle pv50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"313963d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;05f663a&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-731c06b\" data-id=\"731c06b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-985cd42 animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"985cd42\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1708\" src=\"https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2026\/03\/jakub-zerdzicki-oGw402mz_lc-unsplash-scaled.jpg\" class=\"attachment-full size-full wp-image-4689\" alt=\"refus hypoth\u00e9caire\" srcset=\"https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2026\/03\/jakub-zerdzicki-oGw402mz_lc-unsplash-scaled.jpg 2560w, https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2026\/03\/jakub-zerdzicki-oGw402mz_lc-unsplash-300x200.jpg 300w, https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2026\/03\/jakub-zerdzicki-oGw402mz_lc-unsplash-1024x683.jpg 1024w, https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2026\/03\/jakub-zerdzicki-oGw402mz_lc-unsplash-768x512.jpg 768w, https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2026\/03\/jakub-zerdzicki-oGw402mz_lc-unsplash-1536x1025.jpg 1536w, https:\/\/www.excel-finance.ca\/wp-content\/uploads\/2026\/03\/jakub-zerdzicki-oGw402mz_lc-unsplash-2048x1366.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0f4ff6f\" data-id=\"0f4ff6f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7494ce4 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7494ce4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Exemple concret<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a791ed8 elementor-widget elementor-widget-text-editor\" data-id=\"a791ed8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"7395\" data-end=\"7573\">Un propri\u00e9taire se voit refuser une hypoth\u00e8que en raison d\u2019un ratio d\u2019endettement trop \u00e9lev\u00e9.<\/p><p data-start=\"7395\" data-end=\"7573\">Cependant :<\/p><ul><li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">sa propri\u00e9t\u00e9 poss\u00e8de une bonne valeur<\/span><\/li><li><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">ses revenus sont en am\u00e9lioration<\/span><\/li><\/ul><p data-start=\"7395\" data-end=\"7573\">Un pr\u00eateur priv\u00e9 peut lui permettre de consolider ses dettes et de stabiliser sa situation, en vue d\u2019un refinancement ult\u00e9rieur.<\/p><p data-start=\"7741\" data-end=\"7798\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f06a7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f06a7c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a0d02b1\" data-id=\"a0d02b1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-faef127 elementor-widget elementor-widget-text-editor\" data-id=\"faef127\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-section-id=\"2xjl15\" data-start=\"7800\" data-end=\"7817\"><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif;\">FAQ<\/span><\/h2><h3 data-section-id=\"ms5kyw\" data-start=\"4761\" data-end=\"4823\">Peut-on obtenir une hypoth\u00e8que apr\u00e8s un refus bancaire ?<\/h3><p data-start=\"4824\" data-end=\"4914\">Oui. Dans plusieurs cas, un pr\u00eateur priv\u00e9 peut offrir une solution adapt\u00e9e \u00e0 la situation.<\/p><hr data-start=\"4916\" data-end=\"4919\" \/><h3 data-section-id=\"fxml9j\" data-start=\"4921\" data-end=\"4967\">Les pr\u00eats priv\u00e9s sont-ils plus co\u00fbteux ?<\/h3><p data-start=\"4968\" data-end=\"5048\">Les taux sont g\u00e9n\u00e9ralement plus \u00e9lev\u00e9s, mais ils offrent une flexibilit\u00e9 accrue.<\/p><hr data-start=\"5050\" data-end=\"5053\" \/><h3 data-section-id=\"12x6ur\" data-start=\"5055\" data-end=\"5098\">Combien de temps dure un pr\u00eat priv\u00e9 ?<\/h3><p data-start=\"5099\" data-end=\"5130\">Typiquement entre 6 et 24 mois.<\/p><hr data-start=\"5132\" data-end=\"5135\" \/><h3 data-section-id=\"ghsz4n\" data-start=\"5137\" data-end=\"5172\">Est-ce une solution risqu\u00e9e ?<\/h3><p data-start=\"5173\" data-end=\"5311\">Comme tout financement, il est important de bien comprendre les conditions, mais il s\u2019agit d\u2019un outil couramment utilis\u00e9 dans l\u2019industrie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e0dda05 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e0dda05\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8217493\" data-id=\"8217493\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-318a153 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"318a153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5 data-start=\"16590\" data-end=\"16780\">Vous avez re\u00e7u un refus hypoth\u00e9caire et souhaitez explorer vos options ?<\/h5><h5 data-start=\"16590\" data-end=\"16780\">Il est possible d\u2019\u00e9valuer rapidement des solutions adapt\u00e9es \u00e0 votre situation.<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-744d15d pv100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"744d15d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;af384ad&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-84245b7\" data-id=\"84245b7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-976d5ac width-80 elementor-widget elementor-widget-heading\" data-id=\"976d5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Discutons de votre dossier.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-821a752 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"821a752\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;e1bfb19&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bf50275\" data-id=\"bf50275\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bc2c82 elementor-align-center btn-principal elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-button\" data-id=\"2bc2c82\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.excel-finance.ca\/fr\/demande-de-pret\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez un pr\u00eat<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ade6b47 elementor-align-center btn-secondaire-2 elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-button\" data-id=\"ade6b47\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.excel-finance.ca\/fr\/nous-joindre\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contactez-nous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Refus Hypoth\u00e9caire Solutions apr\u00e8s un refus bancaire au Qu\u00e9bec Refus Hypoth\u00e9caire Quelles sont les solutions apr\u00e8s un refus bancaire au Qu\u00e9bec? Un refus hypoth\u00e9caire peut \u00eatre d\u00e9stabilisant, surtout lorsqu\u2019un projet immobilier est en jeu. Pourtant, un refus bancaire ne signifie pas n\u00e9cessairement que toutes les options sont \u00e9puis\u00e9es. Plusieurs propri\u00e9taires se retrouvent dans cette situation [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4661,"parent":380,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-4674","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refus hypoth\u00e9caire : solutions apr\u00e8s un refus bancaire au Qu\u00e9bec<\/title>\n<meta name=\"description\" content=\"Refus hypoth\u00e9caire au Qu\u00e9bec ? 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