{"id":2699,"date":"2022-08-29T11:20:16","date_gmt":"2022-08-29T15:20:16","guid":{"rendered":"https:\/\/www.excel-finance.ca\/?p=2699"},"modified":"2026-03-12T15:27:12","modified_gmt":"2026-03-12T19:27:12","slug":"tout-savoir-ratio-endettement-hypotheque-immobiliere","status":"publish","type":"post","link":"https:\/\/www.excel-finance.ca\/fr\/tout-savoir-ratio-endettement-hypotheque-immobiliere\/","title":{"rendered":"Tout savoir sur le ratio d\u2019endettement pour une hypoth\u00e8que immobili\u00e8re."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2699\" class=\"elementor elementor-2699\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7cad582 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cad582\" 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;6ae61b2&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-top-column elementor-element elementor-element-7183e4c\" data-id=\"7183e4c\" 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-abbaad6 elementor-widget elementor-widget-text-editor\" data-id=\"abbaad6\" 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><span style=\"font-weight: 400;\">Conna\u00eetre son budget est une des <\/span><span style=\"font-weight: 400;\">\u00e9tapes indispensables avant de faire appel \u00e0 une hypoth\u00e8que<\/span><span style=\"font-weight: 400;\">. Que vous soyez sur le point d\u2019acheter votre propri\u00e9t\u00e9 ou que vous souhaitiez en savoir plus sur votre sant\u00e9 financi\u00e8re, le ratio d\u2019endettement est un excellent indice qui vous permettra d\u2019en savoir plus sur votre situation.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">D\u00e9couvrez dans cet article tout ce que vous devez savoir sur cette donn\u00e9e importante \u00e0 conna\u00eetre en tout temps.\u00a0<\/span><\/p><h2>Ratio d\u2019endettement\u00a0: d\u00e9finition<\/h2><p><span style=\"font-weight: 400;\">Le ratio d\u2019endettement est un curseur qui permet aux m\u00e9nages d\u2019avoir une vue objective sur leur budget. Exprim\u00e9 en pourcentage, le ratio d\u2019endettement (ou taux d\u2019endettement) est une donn\u00e9e importante permettant aux institutions financi\u00e8res et pr\u00eateurs priv\u00e9s de statuer en vue d\u2019un <\/span><span style=\"font-weight: 400;\">financement ou d\u2019un refinancement d\u2019hypoth\u00e8que<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Au Qu\u00e9bec, il existe deux types de ratios d\u2019endettement.<\/span><\/p><h3>Le ratio d\u2019endettement ABD<\/h3><p><span style=\"font-weight: 400;\">Le ratio d\u2019endettement ABD (amortissement brut de la dette) est principalement utilis\u00e9 par les banques et autres organismes de financement. Il permet de d\u00e9terminer l\u2019impact d\u2019une hypoth\u00e8que immobili\u00e8re sur l\u2019ensemble du budget relatif au logement.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Ainsi, ce ratio ne prend en compte que les d\u00e9penses faisant suite \u00e0 l\u2019achat d\u2019une propri\u00e9t\u00e9. Il se calcule en divisant ces d\u00e9penses par les revenus. Isolant les d\u00e9penses li\u00e9es \u00e0 l\u2019habitat, le ratio d\u2019endettement ABD est g\u00e9n\u00e9ralement compris entre 32 et 39%.\u00a0<\/span><\/p><h3>Le ratio d\u2019endettement ATD<\/h3><p><span style=\"font-weight: 400;\">Le ratio d\u2019endettement ATD (amortissement total de la dette) est utilis\u00e9 dans le cadre priv\u00e9. Il permet d\u2019avoir un vu global sur l\u2019ensemble du budget. Il prend en compte l\u2019ensemble des d\u00e9penses d\u2019un foyer (carte de cr\u00e9dit, voiture, emprunts autres que ceux du logement, etc.). Parce qu\u2019il offre une vue g\u00e9n\u00e9rale des comptes et des finances, le ratio d\u2019endettement ATD est jug\u00e9 beaucoup plus r\u00e9aliste que le ratio d\u2019endettement ABD. Il doit g\u00e9n\u00e9ralement \u00eatre inf\u00e9rieur \u00e0 40%.<\/span><\/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-a17ae4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a17ae4f\" 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;661a78d&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-top-column elementor-element elementor-element-64d8e54\" data-id=\"64d8e54\" 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-91ced72 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"91ced72\" 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\/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 priv\u00e9<\/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-a70970a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a70970a\" 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;8a90137&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-top-column elementor-element elementor-element-3fe86c2\" data-id=\"3fe86c2\" 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-2728e52 elementor-widget elementor-widget-text-editor\" data-id=\"2728e52\" 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>Qu\u2019est-ce qu\u2019un bon ratio d\u2019endettement\u00a0?<\/h2><p><span style=\"font-weight: 400;\">Au-del\u00e0 de ces deux d\u00e9finitions, on consid\u00e8re qu\u2019un bon ratio d\u2019endettement est de 33%, 30% \u00e9tant un excellent ratio. En fonction des situations et des cas particuliers, ce ratio peut \u00eatre revu \u00e0 la hausse ou \u00e0 la baisse. En effet, une institution financi\u00e8re peut aussi consid\u00e9rer le reste \u00e0 vivre pour ajuster le bon ratio d\u2019endettement d\u2019un m\u00e9nage.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Une personne seule, travailleur autonome sans \u00e9pargne, qui pr\u00e9sente un ratio d\u2019endettement de 33% d\u2019endettement sera plus \u00e0 risque de d\u00e9faut de paiement. A contrario, un m\u00e9nage constitu\u00e9 de deux personnes en emploi permanent, disposant tous les deux d\u2019une \u00e9pargne cons\u00e9quente, pr\u00e9sentant un taux de 38% sera moins \u00e0 risque de d\u00e9faut de paiement.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Le ratio d\u2019endettement est un indicateur de sant\u00e9 financi\u00e8re. Il ne suffit pas \u00e0 d\u00e9terminer si une personne peut acc\u00e9der \u00e0 une hypoth\u00e8que dans le cadre de <\/span><a href=\"https:\/\/www.excel-finance.ca\/nos-produits\/achat-de-propriete\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">l\u2019achat de propri\u00e9t\u00e9<\/span><\/a><span style=\"font-weight: 400;\">. De plus, il s\u2019agit d\u2019une recommandation objective. Chaque \u00e9tablissement de cr\u00e9dit est le seul capable de juger s\u2019il octroie ou non le cr\u00e9dit.\u00a0<\/span><\/p><h2>Comment se calcule le ratio d\u2019endettement\u00a0de 33% ?<\/h2><p><span style=\"font-weight: 400;\">Le <\/span><a href=\"https:\/\/itools-ioutils.fcac-acfc.gc.ca\/yft-vof\/fra\/credit-1-7.aspx\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">calcul du ratio d\u2019endettement<\/span><\/a><span style=\"font-weight: 400;\"> est assez simple \u00e0 r\u00e9aliser. Il correspond \u00e0 un rapport entre les d\u00e9penses et les revenus comme suit\u00a0:<\/span><\/p><p><span style=\"font-weight: 400;\">(D\u00e9penses\/Revenus) x 100 = ratio d\u2019endettement<\/span><\/p><h3>Les d\u00e9penses<\/h3><p><span style=\"font-weight: 400;\">Le th\u00e8me des d\u00e9penses peut varier d\u2019un m\u00e9nage \u00e0 un autre, d\u2019une institution bancaire \u00e0 un pr\u00eateur priv\u00e9. Et dans le cadre de <\/span><span style=\"font-weight: 400;\">l\u2019achat de propri\u00e9t\u00e9, tous les co\u00fbts sont \u00e0 conna\u00eetre<\/span><span style=\"font-weight: 400;\">. C\u2019est pourquoi il est crucial de noter ce que contient cette partie\u00a0:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mensualit\u00e9s d\u2019hypoth\u00e8ques immobili\u00e8res,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assurances,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paiement de factures d\u2019hydro,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Carte de cr\u00e9dit,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mensualit\u00e9s voitures,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Imp\u00f4ts,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Etc.<\/span><\/li><\/ul><h3>Les revenus<\/h3><p><span style=\"font-weight: 400;\">Il pourrait \u00eatre plus facile de d\u00e9finir les revenus d\u2019un m\u00e9nage. Cependant, il est important de comprendre que seuls les revenus d\u00e9clar\u00e9s aux imp\u00f4ts sont \u00e0 prendre en compte dans le calcul du ratio d\u2019endettement. \u00c0 partir de l\u00e0, vous pouvez ajouter\u00a0:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les revenus du travail (permanent, temporaire, temps plein, temps partiel, <\/span><span style=\"font-weight: 400;\">travailleur autonome<\/span><span style=\"font-weight: 400;\">, etc.),<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les revenus locatifs,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les revenus des capitaux (int\u00e9r\u00eats, actions, dividendes, etc.),<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Etc.<\/span><\/li><\/ul><h2>Comment am\u00e9liorer son ratio d\u2019endettement\u00a0?<\/h2><p><span style=\"font-weight: 400;\">Il se peut qu\u2019\u00e0 cause de votre ratio d\u2019endettement, vous ne puissiez pas acc\u00e9der \u00e0 une hypoth\u00e8que pour l\u2019achat de votre propri\u00e9t\u00e9. En effet, au-del\u00e0 de votre c\u00f4te de cr\u00e9dit, une <\/span><span style=\"font-weight: 400;\">banque peut vous refuser votre pr\u00eat<\/span><span style=\"font-weight: 400;\"> si elle estime que votre ratio d\u2019endettement pr\u00e9sente un trop grand risque.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Pas de panique, il existe de nombreuses possibilit\u00e9s pour am\u00e9liorer votre c\u00f4te de cr\u00e9dit, tout comme votre ratio d\u2019endettement. Voici quelques exemples pour am\u00e9liorer votre ratio\u00a0:\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choisir un logement mieux chauff\u00e9 pour baisser les d\u00e9penses \u00e9nerg\u00e9tiques,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Augmenter votre mise de fonds<\/span><span style=\"font-weight: 400;\">,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rembourser par anticipation votre cr\u00e9dit voiture,\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Etc.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Dans tous les cas, avoir un ratio d\u2019endettement trop \u00e9lev\u00e9 n\u2019est pas forc\u00e9ment une mauvaise nouvelle. Au contraire, cela peut vous servir pour diminuer vos d\u00e9penses ou ren\u00e9gocier votre salaire avec votre employeur.<\/span><\/p><h2>Excel Finance vous accompagne pour votre hypoth\u00e8que immobili\u00e8re<\/h2><p><span style=\"font-weight: 400;\">Le ratio d\u2019endettement est un indice qui vous guide dans le cadre de votre demande d\u2019hypoth\u00e8que pour l\u2019achat de votre propri\u00e9t\u00e9. Il n\u2019est pas une fatalit\u00e9 qui d\u00e9terminera si vous pouvez acheter votre maison, votre appartement ou votre condo.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Les banques peuvent se montrer exigeantes et frileuses \u00e0 l\u2019id\u00e9e de transgresser certains ratios d\u2019endettement.\u00a0<\/span>Dans ce type de situation, il est important de comprendre\u00a0<a href=\"https:\/\/www.excel-finance.ca\/fr\/pret-prive\/pourquoi-un-pret-prive\/\" target=\"_blank\" rel=\"noopener\">pourquoi un pr\u00eat priv\u00e9<\/a>\u00a0peut offrir plus de flexibilit\u00e9 qu\u2019un pr\u00eat hypoth\u00e9caire traditionnel.Faire appel \u00e0 un pr\u00eateur priv\u00e9 comme Excel Finance est une bonne id\u00e9e pour ne pas laisser passer la maison de vos r\u00eaves. Nos experts, flexibles, souples et rigoureux, vous accompagnent le temps d<a href=\"https:\/\/www.excel-finance.ca\/ameliorer-son-credit\/\" target=\"_blank\" rel=\"noopener\">\u2019<\/a>am\u00e9liorer votre cr\u00e9dit. Contactez-nous et commen\u00e7ons \u00e0 \u00e9changer sur vos projets d\u00e8s maintenant.<\/p><p>Pour comprendre les options de financements alternatifs disponibles, consultez notre\u00a0<a href=\"https:\/\/www.excel-finance.ca\/fr\/pret-prive\/pret-prive-montreal-quebec\/\" target=\"_blank\" rel=\"noopener\">guide complet sur le pr\u00eat priv\u00e9 \u00e0 Montr\u00e9al<\/a>, et les situations o\u00f9 ce type de financement peut \u00eatre avantageux.<\/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-29bc1a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29bc1a6\" 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;82f2e51&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-top-column elementor-element elementor-element-356e8b3\" data-id=\"356e8b3\" 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-619621a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"619621a\" 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=\"tel:18005141878\">\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Conna\u00eetre son budget est une des \u00e9tapes indispensables avant de faire appel \u00e0 une hypoth\u00e8que. Que vous soyez sur le point d\u2019acheter votre propri\u00e9t\u00e9 ou que vous souhaitiez en savoir plus sur votre sant\u00e9 financi\u00e8re, le ratio d\u2019endettement est un excellent indice qui vous permettra d\u2019en savoir plus sur votre situation.\u00a0 D\u00e9couvrez dans cet article [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2700,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27,18],"tags":[],"class_list":["post-2699","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-acheter-une-maison","category-fonctionnement-de-lhypotheque"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hypoth\u00e8que immobili\u00e8re et ratio d\u2019endettement I Excel Finance<\/title>\n<meta name=\"description\" content=\"Vous envisagez de faire une hypoth\u00e8que immobili\u00e8re et vous souhaitez conna\u00eetre votre ratio d\u2019endettement ? 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