Nouvel arrivant

Nouvel arrivant au Canada ?
Obtenez un prêt hypothécaire avec 5 ou 10% d’apport (mise de fonds)

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Quelle est la mise de fonds minimale pour un nouvel arrivant au Canada?

NOUVEL ARRIVANT

Quelle est la mise de fonds minimale pour un nouvel arrivant au Canada?

Que vous soyez résident temporaire, ou permanent, Il existe des solutions avec une mise de fonds (apport) à partir de 5% ou 10%.

Si vous êtes nouvel arrivant au Québec, nous pouvons vous aider à obtenir un crédit immobilier (prêt Hypothécaire) pour financer l’achat d’une maison ou d’un condo, d’un duplex…

NOUVEL ARRIVANT

Est-ce que le fait d’être résident temporaire va faire monter mon taux d'intérêt ?

Non, le Taux dépend généralement de la durée (terme) du montant du prêt, de vos antécédents de crédit.
Il n’est pas dépendant de votre statut au Canada

NOUVEL ARRIVANT

Nous connaissons et comprenons votre situation.

Certains membres de notre équipe sont eux-mêmes issus de l’immigration et nous avons accompagné des centaines de nouveaux arrivants au cours des dernières années.
Nous comprenons parfaitement ce que vous vivez avec vos craintes, vos doutes, vos croyances et votre manque d’information.

Sachez qu’en Europe, ou ailleurs dans le monde, le système est complètement différent. Ici les choses sont plus simples mais il y a des trucs et des règles à connaître impérativement pour faire un bon achat et avoir le meilleur prêt immobilier.

Cela fait partie de notre travail de vous les expliquer.
Profitez-en, c’est toujours gratuit.

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VOTRE PROJET

Maintenant que vous savez que nous pouvons vous aider, dites-nous où vous en êtes dans votre projet ?

Hypothèque, c’est bien plus un mot pour nous, c’est une spécialité”
Nous sommes là pour expliquer, guider, accompagner et pour faire en sorte que le mot hypothèque et ce qui l’entoure soit clair pour tous.
Nous travaillons avec vous, à chaque étape du processus d’achat, nous nous assurons que vous compreniez toutes les options et que vous trouviez un taux avantageux adapté à vos besoins.

Autres questions fréquentes au sujet de l’hypothèque au Québec.

Oui, comme tout le monde si vous avez des revenus stables et que vous souhaitez vous installer durablement dans la province, c’est un des meilleurs moyens pour investir et arrêter de payer un loyer chaque mois à un propriétaire qui peut vous sortir de l’appartement à tout moment.
Ayez l’esprit tranquille, vous pouvez devenir propriétaire au Canada.

Il n’est pas nécessaire d’attendre d’être résident permanent ou Canadien.

Plusieurs nouveaux arrivants ignorent souvent ce qu’est le dossier de crédit. En bref, il s’agit d’un score qui vous est attribué en fonction de vos habitudes de paiement. Vous devez payer à temps vos obligations et respecter les échéances. Ce score varie entre 300 et 900.

Avant de vous accorder un prêt, les banques vérifieront votre dossier de crédit.
Il est important dans l’obtention de votre prêt hypothécaire et il peut également influencer votre taux d’emprunt.

Malgré la définition relativement simple du terme, les Européens peuvent tirer des conclusions erronées de ce système. Par exemple, un Européen aura tendance à se dire : « si je n’ai jamais eu recours au crédit, mon score ou dossier de crédit sera bon ».

Ce n’est pas ainsi que le système fonctionne ! Pour bâtir votre dossier de crédit, il est important de se créer un historique en empruntant et en respectant ses obligations de remboursement à temps !

C’est l’inverse de votre première intuition.
Ici, plus vous empruntez et plus vous remboursez, meilleur est votre score et plus vous pouvez emprunter ensuite, cependant attention à ne jamais payer en retard et à ne pas utiliser votre carte de crédit a plus de 60% de sa limite autorisée.

Une pré-qualification hypothécaire : c’est une estimation du prêt maximal qu’un prêteur pourrait vous accorder; Une pré-autorisation hypothécaire : c’est une forme d’engagement de la part du prêteur, elle reste conditionnelle à ce que votre situation ne change pas et que la valeur du bien que vous allez acheter soit supporté par l’assureur ou l’évaluateur lors de la demande de financement

Non. Vous êtes libre de prendre votre prêt hypothécaire dans l’institution que vous souhaitez. D’ailleurs nous verrons avec vous au moment voulu s’il n’y a pas une autre offre plus avantageuse pour vous, si c’est le cas vous pourrez alors choisir une option plus intéressante.

Nous vous fournirons la pré-qualification ou la pré-autorisation hypothécaire qui correspond à votre besoin. Cependant si la recherche évolue (Condominium, Duplex, Triplex, Maison individuelle…) il est probable que votre capacité d’emprunt et que certains facteurs influent sur votre capacité d’emprunt (a la hausse ou à la baisse), nous resterons à votre écoute lors des démarches pour évaluer avec précision ce que vous pouvez obtenir.

NOUVEL ARRIVANT

Est-ce que le fait d’être résident temporaire va faire monter mon taux?

Non, le taux dépend de votre situation, de la durée et du montant demandé.
Il n’est pas dépendant de votre statut au Canada

Passons rapidement en revue les différentes dépenses générales qui découlent d’un achat immobilier :

  • Frais de notaire (bien moins cher qu’en France)
  • Taxe sur la prime d’assurance hypothécaire (Taxe de 9% )
  • Taxe de bienvenue (droit de mutation, % variable selon la municipalité)
  • TPS et TVQ (Dans le cas d’une construction neuve uniquement) : il s’agit de l’équivalent de la TVA en France ou en Belgique. À noter toutefois qu’il existe des incitatifs fiscaux en fonction du montant de l’achat. Découvrez l’article

D’autres frais peuvent s’ajouter : par exemple, le certificat de localisation, l’assurance titre ou encore les frais d’inspection et ceux d’évaluation.

Mais là encore, nous connaissons les étapes, les coûts et nous vous donnerons exactement la liste de toutes les autres dépenses à prévoir.

C’est pourquoi l’expertise d’un courtier hypothécaire est essentielle pour balayer rapidement les informations concernant le crédit hypothécaire disponible pour les nouveaux arrivants au Canada.

Laissez-nous vous aider à y voir clair.

S’il est possible d’obtenir un prêt hypothécaire en tant que nouvel arrivant au Canada, il y a tout de même des conditions minimales à satisfaire. À savoir :

  • Avoir une mise de fonds de minimum 5 % pour un achat de moins de 500 000 $ En cas de montant supérieur, la mise de fonds doit atteindre 10 % (à partir de 500 001 $)
  • Avoir un emploi à temps plein sans probation (sans période d’essai)
  • Résider dans la propriété que vous allez acheter. Note : s’il s’agit d’un duplex, vous pouvez mettre en location l’autre unité
  • Acheter une maison ou un condo de moins d’un million de dollars

Avant d’être approuvé, vous devrez bien entendu fournir des justificatifs :

  • Justificatif de votre séjour légal au Canada ( permis de travail, PVT, résidence permanente….)
  • Confirmation de vos revenus : dernier talon de paie, Lettre d’emploi
  • Preuve que vous disposez de la mise de fonds sur un compte à votre nom.

Si vous n’avez pas de score de crédit au Canada, il est possible de fournir des justificatifs alternatifs.

Par exemple :

  • Via son propriétaire (antécédent de paiement des loyers)
  • Via son fournisseur de gaz/téléphone/électricité (factures payées)
  • En présentant ses relevés de compte
  • En fournissant une lettre de référence (recommandation) d’une banque

Votre situation est unique et nous vous accompagnons pour trouver la solution adaptée à votre besoin.

Nous mettrons à votre disposition notre expertise dans le domaine du prêt hypothécaire, Nos services sont gratuits. Et nous savons exactement comment cela fonctionne !

Découvrez l’article

 

Renouvellement hypothécaire

NOUVEL ARRIVANT

Nous connaissons et comprenons votre situation.

Certains membres de notre équipe sont eux-mêmes issus de l’immigration et nous avons accompagné des centaines de nouveaux arrivants au cours des dernières années.
Nous comprenons parfaitement ce que vous vivez avec vos craintes, vos doutes, vos croyances et votre manque d’information.

Sachez qu’en Europe, ou ailleurs dans le monde, le système est complètement différent. Ici les choses sont plus simples mais il y a des trucs et des règles à connaître impérativement pour faire un bon achat et avoir le meilleur prêt immobilier.

Cela fait partie de notre travail de vous les expliquer.
Profitez-en, c’est toujours gratuit.

NOUVEL ARRIVANT

Comment choisir un prêt hypothécaire entre toutes les banques ?

Faire appel à nos services améliorera vos chances de succès. Nous connaissons tous les prêteurs et leurs conditions d’accès. Nous avons accès à tous leurs produits.

Ainsi vous ne serez pas limité par l’offre d’une seule banque. Nos courtiers peuvent vous offrir en toute impartialité de nombreuses solutions selon votre profil et vos besoins spécifiques. Le tout, sans frais.

Vous êtes encore dans votre pays d’origine, et préparez-vous votre arrivée ici ?

Profitez des programmes hypothécaires pour nouveaux immigrants.