{"id":12170,"date":"2023-01-21T14:40:38","date_gmt":"2023-01-21T14:40:38","guid":{"rendered":"http:\/\/localhost:10003\/?page_id=12170"},"modified":"2025-11-27T16:41:02","modified_gmt":"2025-11-27T16:41:02","slug":"refinancement-hypothecaire","status":"publish","type":"page","link":"https:\/\/hypotheques.ca\/staging\/refinancement-hypothecaire\/","title":{"rendered":"Refinancement-hypoth\u00e9caire"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12170\" class=\"elementor elementor-12170\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<header class=\"elementor-section elementor-top-section elementor-element elementor-element-a301f84 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a301f84\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-53d75ab\" data-id=\"53d75ab\" data-element_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-b1fb5f3 elementor-widget elementor-widget-heading\" data-id=\"b1fb5f3\" data-element_type=\"widget\" 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\">Besoin de liquidit\u00e9s rapidement ?<br \/>\r\nPensez au refinancement 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-ca224c0 elementor-widget elementor-widget-text-editor\" data-id=\"ca224c0\" data-element_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\tUn moyen simple d\u2019obtenir des liquidit\u00e9s pour tout type de d\u00e9penses.\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-bf35fb8 elementor-widget__width-auto elementor-widget elementor-widget-breadcrumbs\" data-id=\"bf35fb8\" data-element_type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span id=\"breadcrumbs\"><span><span><a href=\"https:\/\/hypotheques.ca\/staging\/\">Accueil<\/a><\/span><\/span><\/span>\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-df6b1d5\" data-id=\"df6b1d5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-efc1811 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"efc1811\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&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-inner-column elementor-element elementor-element-48203af\" data-id=\"48203af\" data-element_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-d36fcce elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-18854 elementor-widget-html\" data-id=\"d36fcce\" data-element_type=\"widget\" id=\"formZoho\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"zf_div_du7rtClsHNjibq9CMFcAA_3feqpIzAwk_3IxVO_HoN4\"><\/div><script type=\"text\/javascript\">(function() {\ntry{\nvar f = document.createElement(\"iframe\");\nf.src = 'https:\/\/forms.zohopublic.ca\/hypothequesca1\/form\/VLformulairedecontact\/formperma\/du7rtClsHNjibq9CMFcAA_3feqpIzAwk_3IxVO_HoN4?zf_rszfm=1';\nf.style.border=\"none\";\nf.style.height=\"900px\";\nf.style.width=\"100%\";\nf.style.transition=\"all 0.5s ease\";\nf.setAttribute(\"aria-label\", 'Formulaire\\x20de\\x20contact');\n\nvar d = document.getElementById(\"zf_div_du7rtClsHNjibq9CMFcAA_3feqpIzAwk_3IxVO_HoN4\");\nd.appendChild(f);\nwindow.addEventListener('message', function (){\nvar evntData = event.data;\nif( evntData && evntData.constructor == String ){\nvar zf_ifrm_data = evntData.split(\"|\");\nif ( zf_ifrm_data.length == 2 || zf_ifrm_data.length == 3 ) {\nvar zf_perma = zf_ifrm_data[0];\nvar zf_ifrm_ht_nw = ( parseInt(zf_ifrm_data[1], 10) + 15 ) + \"px\";\nvar iframe = document.getElementById(\"zf_div_du7rtClsHNjibq9CMFcAA_3feqpIzAwk_3IxVO_HoN4\").getElementsByTagName(\"iframe\")[0];\nif ( (iframe.src).indexOf('formperma') > 0 && (iframe.src).indexOf(zf_perma) > 0 ) {\nvar prevIframeHeight = iframe.style.height;\nvar zf_tout = false;\nif( zf_ifrm_data.length == 3 ) {\niframe.scrollIntoView();\nzf_tout = true;\n}\nif ( prevIframeHeight != zf_ifrm_ht_nw ) {\nif( zf_tout ) {\nsetTimeout(function(){\niframe.style.height = zf_ifrm_ht_nw;\n},500);\n} else {\niframe.style.height = zf_ifrm_ht_nw;\n}\n}\n}\n}\n}\n}, false);\n}catch(e){}\n})();<\/script>\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<\/header>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62d14a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62d14a0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d1ea603\" data-id=\"d1ea603\" data-element_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-5c7d77b elementor-widget__width-initial icon-position-mobile-top icon-vertical-align-mobile-start content-align-left icon-box-vertical-align-top icon-position-left icon-vertical-align-start elementor-widget elementor-widget-the7_icon_box_widget\" data-id=\"5c7d77b\" data-element_type=\"widget\" data-widget_type=\"the7_icon_box_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"the7-box-wrapper the7-elementor-widget the7_icon_box_widget-5c7d77b\">\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon-div\" >\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-question-circle\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t<a >\t\t\t\t\t\t\t\tLe saviez-vous ?\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Lorsque vous faites un refinancement, vous recevez les fonds directement sur votre compte de banque. Cet argent est ensuite \u00e0 vous. Vous pouvez en faire ce que vous voulez.<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\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-1b0da9a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b0da9a2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7f38e56e\" data-id=\"7f38e56e\" data-element_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-794e5a84 elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"794e5a84\" data-element_type=\"widget\" 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=\"960\" height=\"768\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg' viewBox%3D'0 0 960 768'%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/hypotheques-besoin-de-capitaux.png\" class=\"lazy-load attachment-large size-large wp-image-14434\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/hypotheques-besoin-de-capitaux.png 960w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/hypotheques-besoin-de-capitaux-300x240.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/hypotheques-besoin-de-capitaux-768x614.png 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\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-2abb5e0d\" data-id=\"2abb5e0d\" data-element_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-5656d814 elementor-widget elementor-widget-heading\" data-id=\"5656d814\" data-element_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-medium\">REFINANCEMENT-HYPOTHECAIRE<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed6c5f9 elementor-widget elementor-widget-heading\" data-id=\"3ed6c5f9\" data-element_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\">Qu\u2019est-ce que le refinancement 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-6ba4b932 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6ba4b932\" data-element_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<div class=\"elementor-element elementor-element-191d6904 elementor-widget elementor-widget-text-editor\" data-id=\"191d6904\" data-element_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 style=\"text-align: left;\">Le refinancement hypoth\u00e9caire vous permet d\u2019utiliser la valeur nette ou l\u2019\u00e9quit\u00e9 de votre maison pour emprunter un nouveau montant afin de financer vos projets, tels qu\u2019un nouvel achat immobilier, financer les \u00e9tudes de vos enfants, lancer votre entreprise etc.<\/p><p style=\"text-align: left;\">\u00a0<\/p><h3 style=\"text-align: left;\">Combien puis-je emprunter en finan\u00e7ant ma propri\u00e9t\u00e9 ?<\/h3><p style=\"text-align: left;\">Selon votre situation, vous pouvez refinancer votre propri\u00e9t\u00e9 jusqu\u2019\u00e0 80% de la valeur marchande de votre maison, tout en soustrayant le solde de votre hypoth\u00e8que.<\/p><p style=\"text-align: left;\">\u00a0<\/p><p style=\"text-align: left;\"><script src=\"webkit-masked-url:\/\/hidden\/\" type=\"text\/javascript\"><\/script><script src=\"webkit-masked-url:\/\/hidden\/\" type=\"text\/javascript\"><\/script><\/p><p style=\"text-align: left;\"><script src=\"webkit-masked-url:\/\/hidden\/\" type=\"text\/javascript\"><\/script><script src=\"webkit-masked-url:\/\/hidden\/\" type=\"text\/javascript\"><\/script><\/p><p><script src=\"webkit-masked-url:\/\/hidden\/\" type=\"text\/javascript\"><\/script><script src=\"webkit-masked-url:\/\/hidden\/\" type=\"text\/javascript\"><\/script><\/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-1b7cacf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b7cacf\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6598311\" data-id=\"6598311\" data-element_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-9a12758 elementor-widget elementor-widget-text-editor\" data-id=\"9a12758\" data-element_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>Pourquoi faire un refinancement hypoth\u00e9caire ?<\/h2><p>Voici 7 raisons pour lesquelles vous pouvez faire un refinancement hypoth\u00e9caire.<\/p><p><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><\/p><p><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><\/p><p><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><\/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-15b72bb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"15b72bb\" data-element_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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3b9f8bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b9f8bc\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-a500a8e\" data-id=\"a500a8e\" data-element_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-9436205 elementor-widget elementor-widget-image\" data-id=\"9436205\" data-element_type=\"widget\" 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 decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-1024x1024.png\" class=\"attachment-large size-large wp-image-15338\" alt=\"faire refinancement hypoth\u00e8que\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-992d196\" data-id=\"992d196\" data-element_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-a46d320 elementor-widget elementor-widget-text-editor\" data-id=\"a46d320\" data-element_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<h3>1. R\u00e9nover votre maison pour gagner en confort ou augmenter sa valeur<\/h3><p>Vous pouvez refinancer votre maison afin de\u00a0<a href=\"https:\/\/hypotheques.ca\/staging\/blogue\/pret-pour-renovation\">financer des travaux de r\u00e9novations<\/a>. Ainsi, vous pourrez profiter d\u2019un taux d\u2019int\u00e9r\u00eat plus bas que ceux d\u2019une carte de cr\u00e9dit, d\u2019un pr\u00eat ordinaire, ou d\u2019une marge de cr\u00e9dit personnelle.<\/p><p>Ce type de financement est conseill\u00e9 si vous songez \u00e0 r\u00e9aliser des travaux de r\u00e9novations importants et le remboursement de ce pr\u00eat se fait sur une p\u00e9riode pouvant aller jusqu&rsquo;\u00e0 30 ans.<\/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-inner-section elementor-element elementor-element-95574e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"95574e2\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-ece4cea\" data-id=\"ece4cea\" data-element_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-1b2b76c elementor-widget elementor-widget-image\" data-id=\"1b2b76c\" data-element_type=\"widget\" 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 decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/2-1024x1024.png\" class=\"attachment-large size-large wp-image-15339\" alt=\"r\u00e9sidence secondaire\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/2-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/2-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/2-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/2-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/2.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-ca06e47\" data-id=\"ca06e47\" data-element_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-6b734d7 elementor-widget elementor-widget-text-editor\" data-id=\"6b734d7\" data-element_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<h3>2. Acqu\u00e9rir une r\u00e9sidence secondaire ou effectuer un achat important<\/h3><p>Si vous envisagez d\u2019acheter une deuxi\u00e8me propri\u00e9t\u00e9 comme un logement \u00e0 revenus (duplex, triplex etc\u2026) ou m\u00eame une r\u00e9sidence secondaire comme un chalet, alors il est possible de g\u00e9n\u00e9rer votre mise de fonds \u00e0 l\u2019aide du refinancement. Avec un refinancement hypoth\u00e9caire, vous pouvez r\u00e9-emprunter jusqu\u2019\u00e0 80% de la juste valeur marchande de votre propri\u00e9t\u00e9, il faudra alors soustraire le solde de votre pr\u00eat hypoth\u00e9caire restant d\u00fb au nouveau montant d\u2019emprunt. Cela reviendrait alors \u00e0 refinancer afin de sortir de l\u2019\u00e9quit\u00e9 que vous pourriez utiliser pour la\u00a0<a href=\"http:\/\/xn--mise%20de%20fond%20de%20votre%20deuxime%20maison-xge\/\" data-wplink-url-error=\"true\">mise de fond de votre deuxi\u00e8me maison<\/a>\u00a0ou la\u00a0<a href=\"http:\/\/mise%20de%20fond%20de%20votre%20chalet\/\" data-wplink-url-error=\"true\">mise de fond de votre chalet<\/a>.<\/p><p>Vous rembourserez alors le nouveau pr\u00eat hypoth\u00e9caire, \u00e0 savoir le montant total incluant le montant additionnel. Mais dans certains cas, les deux pr\u00eats sont s\u00e9par\u00e9s sur des tranches distinctes.<\/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-inner-section elementor-element elementor-element-bd1c7aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd1c7aa\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-e56e8c2\" data-id=\"e56e8c2\" data-element_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-c83a592 elementor-widget elementor-widget-image\" data-id=\"c83a592\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/3-1024x1024.png\" class=\"attachment-large size-large wp-image-15340\" alt=\"hypoth\u00e8que \u00e9tude\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/3-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/3-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/3-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/3-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/3.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-a996290\" data-id=\"a996290\" data-element_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-a891999 elementor-widget elementor-widget-text-editor\" data-id=\"a891999\" data-element_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<h3>3. Lib\u00e9rer des fonds pour les \u00e9tudes de vos enfants<\/h3><p>Refinancer votre maison vous permet \u00e9galement de lib\u00e9rer des fonds afin de financer les \u00e9tudes de vos enfants. Une solution pratique \u00e9tant donn\u00e9 le co\u00fbt on\u00e9reux des \u00e9tudes<\/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-inner-section elementor-element elementor-element-2b677e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b677e1\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-99842bf\" data-id=\"99842bf\" data-element_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-cb86aaf elementor-widget elementor-widget-image\" data-id=\"cb86aaf\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/4-1024x1024.png\" class=\"attachment-large size-large wp-image-15341\" alt=\"dettes hypoth\u00e8que\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/4-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/4-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/4-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/4-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/4.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-fd752f5\" data-id=\"fd752f5\" data-element_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-7307608 elementor-widget elementor-widget-text-editor\" data-id=\"7307608\" data-element_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<h3>4. Regrouper vos dettes pour faire des \u00e9conomies<\/h3><p>\u00a0<\/p><p>Avec un refinancement hypoth\u00e9caire, vous pouvez r\u00e9unir toutes vos dettes dans une m\u00eame hypoth\u00e8que en ayant recours \u00e0 la restructuration de dettes. Cela vous permettra de lib\u00e9rer des fonds afin de payer la majorit\u00e9 de vos dettes personnelles, telles que :<\/p><ul><li>le pr\u00eat auto<\/li><li>le pr\u00eat personnel<\/li><li>la marge de cr\u00e9dit personnel<\/li><li>la carte de cr\u00e9dit<\/li><\/ul><p>Cette m\u00e9thode vous permet de combiner ces dettes en un seul paiement mensuel avec un taux d\u2019int\u00e9r\u00eat plus avantageux et un amortissement pouvant aller jusqu&rsquo;\u00e0 30 ans.<\/p><div>\u00a0<\/div>\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-inner-section elementor-element elementor-element-c9e1129 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c9e1129\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-f0a4593\" data-id=\"f0a4593\" data-element_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-e061cbb elementor-widget elementor-widget-image\" data-id=\"e061cbb\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/5-1024x1024.png\" class=\"attachment-large size-large wp-image-15342\" alt=\"refinancement retraite\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/5-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/5-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/5-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/5-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/5.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-a71fc76\" data-id=\"a71fc76\" data-element_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-6c37045 elementor-widget elementor-widget-text-editor\" data-id=\"6c37045\" data-element_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<div><h3>5. Refinancer en vue d\u2019investir pour pr\u00e9parer sa retraite<\/h3><\/div><p>Il est possible d\u2019utiliser le refinancement hypoth\u00e9caire afin de pr\u00e9parer sa retraite.<br \/>De nombreux produits existent pour le faire et il est important de prendre ses dispositions lorsqu&rsquo;on est en activit\u00e9 professionnelle. N\u2019oubliez pas que pour obtenir un pr\u00eat hypoth\u00e9caire, les revenus d\u2019emplois sont primordiaux, attendre sa pension et ne plus avoir les revenus peut limiter vos options.<br \/>Il est donc important de bien vous faire conseiller par un courtier en amont.<\/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-inner-section elementor-element elementor-element-5761fcd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5761fcd\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-437b87b\" data-id=\"437b87b\" data-element_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-d0bd838 elementor-widget elementor-widget-image\" data-id=\"d0bd838\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/6-1024x1024.png\" class=\"attachment-large size-large wp-image-15343\" alt=\"refinancement retraite\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/6-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/6-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/6-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/6-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/6.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-9d0fea1\" data-id=\"9d0fea1\" data-element_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-8b47fd8 elementor-widget elementor-widget-text-editor\" data-id=\"8b47fd8\" data-element_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<h3>6. Refinancer en vue de pr\u00e9parer sa retraite (REER)<\/h3><p>Refinancer sa maison vous permet aussi d\u2019investir dans vos REER.<br \/>En d\u00e9gageant des fonds par le biais du refinancement de votre maison, vous obtiendrez une d\u00e9duction fiscale. Cette option doit \u00eatre \u00e9valu\u00e9e au pr\u00e9alable.<\/p><p>\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-inner-section elementor-element elementor-element-6379ef9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6379ef9\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-ba606dd\" data-id=\"ba606dd\" data-element_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-5e7e3d0 elementor-widget elementor-widget-image\" data-id=\"5e7e3d0\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/7-1024x1024.png\" class=\"attachment-large size-large wp-image-15344\" alt=\"taux bas\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/7-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/7-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/7-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/7-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/7.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-2214e38\" data-id=\"2214e38\" data-element_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-a930c1a elementor-widget elementor-widget-text-editor\" data-id=\"a930c1a\" data-element_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<h3>7. B\u00e9n\u00e9ficier d\u2019un taux d\u2019int\u00e9r\u00eat plus bas<\/h3><p>Refinancer votre maison vous permet \u00e9galement de b\u00e9n\u00e9ficier d\u2019un taux d\u2019int\u00e9r\u00eat plus bas que celui que vous aviez lors de la signature de votre pr\u00eat hypoth\u00e9caire. Si les taux d\u2019int\u00e9r\u00eat ont baiss\u00e9 depuis la conclusion de votre pr\u00eat hypoth\u00e9caire, alors refinancer votre hypoth\u00e8que est un moyen int\u00e9ressant pour vous d\u2019\u00e9conomiser sur du long terme, ou dans certains cas d\u2019augmenter la p\u00e9riode d\u2019amortissement pour r\u00e9duire les paiements.<\/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<div class=\"elementor-element elementor-element-c27a7bd elementor-widget elementor-widget-spacer\" data-id=\"c27a7bd\" data-element_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-6621284 elementor-widget elementor-widget-spacer\" data-id=\"6621284\" data-element_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-13e3ce74 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13e3ce74\" data-element_type=\"section\" id=\"services\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;shape_divider_top&quot;:&quot;mountains&quot;,&quot;shape_divider_bottom&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c4b4258 animated-fast elementor-invisible\" data-id=\"1c4b4258\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&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-4029741 elementor-widget elementor-widget-heading\" data-id=\"4029741\" data-element_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\">Avantages et inconv\u00e9nients du refinancement hypoth\u00e9caire<\/h2>\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-5d0c08c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d0c08c\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-915b236\" data-id=\"915b236\" data-element_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-d336098 elementor-widget__width-auto elementor-align-center elementor-widget elementor-widget-the7_icon_widget\" data-id=\"d336098\" data-element_type=\"widget\" data-widget_type=\"the7_icon_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-icon-wrapper the7-elementor-widget\"><div class=\"elementor-icon\"><i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0bab05 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e0bab05\" data-element_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<h3>Avantages<\/h3><p>Les avantages du refinancement hypoth\u00e9caire sont :<\/p><ul><li>Acc\u00e9der rapidement \u00e0 la valeur nette de votre maison<\/li><li>Consolider vos dettes plus co\u00fbteuses<\/li><li>Profiter d\u2019un meilleur taux d\u2019int\u00e9r\u00eat si les taux hypoth\u00e9caires sont \u00e0 la baisse<\/li><li>Allonger la dur\u00e9e d\u2019amortissement pour r\u00e9duire les paiements<\/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-inner-column elementor-element elementor-element-db58ff5\" data-id=\"db58ff5\" data-element_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-6ac01bf elementor-align-left elementor-widget__width-auto elementor-widget elementor-widget-the7_icon_widget\" data-id=\"6ac01bf\" data-element_type=\"widget\" data-widget_type=\"the7_icon_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-icon-wrapper the7-elementor-widget\"><div class=\"elementor-icon\"><i aria-hidden=\"true\" class=\"fas fa-times-circle\"><\/i><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-699196a elementor-widget elementor-widget-text-editor\" data-id=\"699196a\" data-element_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<h3>Inconv\u00e9nients<\/h3><p>Les inconv\u00e9nients du refinancement hypoth\u00e9caire sont :<\/p><ul><li>Vous allongez le temps de remboursement de votre pr\u00eat hypoth\u00e9caire tout en augmentant le montant de votre emprunt hypoth\u00e9caire<\/li><li>Le solde impay\u00e9 de votre pr\u00eat hypoth\u00e9caire peut \u00eatre plus \u00e9lev\u00e9<\/li><li>Vous pouvez \u00eatre amen\u00e9 \u00e0 payer des co\u00fbts suppl\u00e9mentaires comme des frais de remboursement anticip\u00e9 ou des frais de notaire.<\/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\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea0f08b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea0f08b\" data-element_type=\"section\" data-settings=\"{&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-3ca4d42\" data-id=\"3ca4d42\" data-element_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-12e5f14 elementor-widget elementor-widget-spacer\" data-id=\"12e5f14\" data-element_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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3f55038 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f55038\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-f11705d\" data-id=\"f11705d\" data-element_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-ee03dc3 elementor-widget elementor-widget-image\" data-id=\"ee03dc3\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-16-1024x1024.png\" class=\"attachment-large size-large wp-image-15396\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-16-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-16-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-16-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-16-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-16.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-f4e7660\" data-id=\"f4e7660\" data-element_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-129fbe6 elementor-widget elementor-widget-text-editor\" data-id=\"129fbe6\" data-element_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 style=\"text-align: left;\">Combien co\u00fbte le refinancement hypoth\u00e9caire ?<\/h2>\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-8f20d74 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8f20d74\" data-element_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<div class=\"elementor-element elementor-element-7f29c7e elementor-widget elementor-widget-text-editor\" data-id=\"7f29c7e\" data-element_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>R\u00e9aliser une demande de refinancement hypoth\u00e9caire implique diff\u00e9rents co\u00fbts. Si vous d\u00e9cidez de refinancer votre pr\u00eat hypoth\u00e9caire, vous devrez payer :<\/p><ul><li>Des frais juridiques \/ frais de notaire.<\/li><li>Des frais de p\u00e9nalit\u00e9s avec votre institution financi\u00e8re actuelle.<\/li><\/ul><p>Les frais d\u2019\u00e9valuation de votre propri\u00e9t\u00e9 sont souvent assum\u00e9s par l\u2019institution financi\u00e8re qui fait le refinancement hypoth\u00e9caire.<\/p><h3>P\u00e9nalit\u00e9 refinancement hypoth\u00e9caire<\/h3><p>Il est tr\u00e8s probable que vous deviez payer une p\u00e9nalit\u00e9 pour un refinancement hypoth\u00e9caire r\u00e9alis\u00e9 avant le terme de votre pr\u00eat hypoth\u00e9caire initial. Au Canada, les pr\u00eateurs calculent ces p\u00e9nalit\u00e9s de deux mani\u00e8res :<\/p><ul><li>3 mois d\u2019int\u00e9r\u00eats<\/li><li>en fonction du diff\u00e9rentiel des taux d\u2019int\u00e9r\u00eats (ETI)<\/li><\/ul><p>Le choix du calcul des p\u00e9nalit\u00e9s d\u00e9pendra de votre pr\u00eateur, de votre produit hypoth\u00e9caire et de la dur\u00e9e de votre pr\u00eat hypoth\u00e9caire.<\/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-inner-section elementor-element elementor-element-88ec8f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"88ec8f6\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-9d0c31e\" data-id=\"9d0c31e\" data-element_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-05d90e2 elementor-widget elementor-widget-image\" data-id=\"05d90e2\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-1-1024x1024.png\" class=\"attachment-large size-large wp-image-15395\" alt=\"\u00e9tape refinancement\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-1-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-1-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-1-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-1-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/1-1.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-b706b45\" data-id=\"b706b45\" data-element_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-ea217b7 elementor-widget elementor-widget-text-editor\" data-id=\"ea217b7\" data-element_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 style=\"text-align: left;\">\u00c9tapes d\u2019un refinancement hypoth\u00e9caire<\/h2>\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-afa05a3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"afa05a3\" data-element_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<div class=\"elementor-element elementor-element-c481efc elementor-widget elementor-widget-text-editor\" data-id=\"c481efc\" data-element_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<h3>1. D\u00e9finissez ce que vous souhaitez faire<\/h3><p>D\u00e9terminez ce que vous souhaitez faire avec les fonds d\u00e9bloqu\u00e9s gr\u00e2ce au refinancement hypoth\u00e9caire : placements financier, r\u00e9novation de votre maison, payer les \u00e9tudes de vos enfants, consolider vos dettes, etc.<\/p><h3>2. Parlons ensemble de vos options<\/h3><p>Choisissez entre un pr\u00eat hypoth\u00e9caire ou une marge de cr\u00e9dit.<\/p><h3>3. Laissez-nous g\u00e9rer votre demande de refinancement hypoth\u00e9caire<\/h3><p>En fonction de vos souhaits et de vos options, nos courtiers d\u00e9terminent le montant que vous pouvez emprunter dans la meilleure configuration et selon vos besoins.<\/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-inner-section elementor-element elementor-element-849eae8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"849eae8\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-28a6304\" data-id=\"28a6304\" data-element_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-5655534 elementor-widget elementor-widget-image\" data-id=\"5655534\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-17-1024x1024.png\" class=\"attachment-large size-large wp-image-15400\" alt=\"Que sont les frais de cl\u00f4ture \u00e0 pr\u00e9voir lors de l&#039;Achat d&#039;un logement\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-17-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-17-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-17-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-17-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-17.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-e451ccb\" data-id=\"e451ccb\" data-element_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-54ebe4b elementor-widget elementor-widget-text-editor\" data-id=\"54ebe4b\" data-element_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 style=\"text-align: left;\">De quoi ai-je besoin pour un refinancement hypoth\u00e9caire ?<\/h2>\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-d059f6c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d059f6c\" data-element_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<div class=\"elementor-element elementor-element-dc482eb elementor-widget elementor-widget-text-editor\" data-id=\"dc482eb\" data-element_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>Pour accorder un refinancement hypoth\u00e9caire, nous devons analyser 4 \u00e9l\u00e9ments :<\/p><h3>Preuve de vos revenus<\/h3><p>Vous devez apporter une preuve de vos revenus afin de pouvoir refinancer votre hypoth\u00e8que. Pour cela, vous pouvez fournir un relev\u00e9 de paie et une lettre de votre employeur.<\/p><h3>\u00c9valuation de votre propri\u00e9t\u00e9<\/h3><p>Votre demande de refinancement hypoth\u00e9caire doit \u00eatre accompagn\u00e9e d\u2019une \u00e9valuation de votre propri\u00e9t\u00e9 afin de conna\u00eetre l\u2019\u00e9tat de votre maison et sa valeur.<\/p><h3>Renseignement sur votre cr\u00e9dit<\/h3><p>Vous devez \u00e9galement apporter tous les renseignements concernant votre cr\u00e9dit.<\/p><h3>Vos actifs et passifs<\/h3><p>\u00c9tablissez vos actifs et passifs. Ainsi, le pr\u00eateur pourra visualiser vos actifs et vos dettes restantes afin de d\u2019approuver ou non votre demande de refinancement hypoth\u00e9caire.<\/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-inner-section elementor-element elementor-element-af1baf8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"af1baf8\" data-element_type=\"section\">\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-inner-column elementor-element elementor-element-9e032ee\" data-id=\"9e032ee\" data-element_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-6f869eb elementor-widget elementor-widget-image\" data-id=\"6f869eb\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-18-1024x1024.png\" class=\"attachment-large size-large wp-image-15405\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-18-1024x1024.png 1024w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-18-300x300.png 300w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-18-150x150.png 150w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-18-768x768.png 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/03\/Sans-titre-18.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-a9df68b\" data-id=\"a9df68b\" data-element_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-0a1b1d9 elementor-widget elementor-widget-text-editor\" data-id=\"0a1b1d9\" data-element_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 style=\"text-align: left;\">Solutions pour refinancer votre hypoth\u00e8que<\/h2>\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-5ad75df elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5ad75df\" data-element_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<div class=\"elementor-element elementor-element-1221b48 elementor-widget elementor-widget-text-editor\" data-id=\"1221b48\" data-element_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>Il existe 3 solutions pour refinancer votre hypoth\u00e8que :<\/p><h3>Utiliser une marge hypoth\u00e9caire<\/h3><p>La marge de cr\u00e9dit hypoth\u00e9caire est une solution adapt\u00e9e si vous pr\u00e9f\u00e9rez avoir une flexibilit\u00e9 dans vos remboursements car c\u2019est vous qui d\u00e9terminez la fr\u00e9quence et le mode de vos versements. Le financement que vous allez obtenir par le biais de la marge de cr\u00e9dit ne peut d\u00e9passer les 65% du prix d\u2019achat ou de la valeur de votre maison.<\/p><h3>Souscrivez \u00e0 un pr\u00eat \u00e0 taux fixe ou variable<\/h3><p>Si vous souscrivez \u00e0 un pr\u00eat hypoth\u00e9caire, vous devez faire un choix entre le taux fixe ou variable. Si vous souhaitez vous prot\u00e9ger des fluctuations, l\u2019id\u00e9al serait d\u2019opter pour un pr\u00eat \u00e0 taux fixe. Si vous disposez d\u2019une bonne tol\u00e9rance financi\u00e8re, vous pouvez opter pour un pr\u00eat \u00e0 taux variable.<\/p><h3>B\u00e9n\u00e9ficiez de la clause \u00e9volutive<\/h3><p>La clause \u00e9volutive vous permet de b\u00e9n\u00e9ficier de la possibilit\u00e9 de r\u00e9emprunter le capital que vous avez d\u00e9j\u00e0 rembours\u00e9. Son fonctionnement est le m\u00eame qu\u2019un pr\u00eat classique mais avec un taux plus 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<div class=\"elementor-element elementor-element-b8f8baf elementor-widget elementor-widget-text-editor\" data-id=\"b8f8baf\" data-element_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>\u00a0<\/p><p><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><\/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-a9ab7c8 elementor-widget elementor-widget-spacer\" data-id=\"a9ab7c8\" data-element_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-c1c25ba elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c1c25ba\" data-element_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<div class=\"elementor-element elementor-element-adf0919 elementor-widget elementor-widget-spacer\" data-id=\"adf0919\" data-element_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-4eb924f elementor-widget elementor-widget-text-editor\" data-id=\"4eb924f\" data-element_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>Refinancement hypoth\u00e8que vs. marge de cr\u00e9dit hypoth\u00e9caire<\/h2>\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-7487346 elementor-widget elementor-widget-text-editor\" data-id=\"7487346\" data-element_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>Vous pouvez acc\u00e9der \u00e0 la valeur nette de votre maison en r\u00e9alisant un refinancement ou en contractant une marge de cr\u00e9dit hypoth\u00e9caire. Mais, quelle est la diff\u00e9rence entre les deux ?<\/p><p>La marge de cr\u00e9dit hypoth\u00e9caire est un pr\u00eat renouvelable qui vous permet d\u2019emprunter des fonds, les rembourser et r\u00e9emprunter jusqu\u2019\u00e0 votre limite maximale. Tandis que le refinancement hypoth\u00e9caire est un nouveau pr\u00eat hypoth\u00e9caire que vous contractez tout en remboursant votre pr\u00eat initial.<\/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-c3f52fc elementor-widget elementor-widget-spacer\" data-id=\"c3f52fc\" data-element_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-5ee77fd elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ee77fd\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;shape_divider_top&quot;:&quot;mountains&quot;,&quot;shape_divider_bottom&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0782952 animated-fast elementor-invisible\" data-id=\"0782952\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&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-840ca9b elementor-widget elementor-widget-heading\" data-id=\"840ca9b\" data-element_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-medium\">REFINANCEMENT-HYPOTHECAIRE<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b34b0c6 elementor-widget elementor-widget-heading\" data-id=\"b34b0c6\" data-element_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\">Besoin de consolider vos dettes ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208e542 elementor-widget elementor-widget-text-editor\" data-id=\"208e542\" data-element_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 style=\"text-align: center;\">Le refinancement hypoth\u00e9caire est aussi un excellent moyen de sortir la t\u00eate de l\u2019eau et de consolider vos dettes. Faites baisser vos mensualit\u00e9s, remboursez plus vite et obtenez enfin la tranquillit\u00e9 d\u2019esprit auquel vous avez droit. <br \/>\u200d<br \/>Rendez-vous compte, votre maison ou condo a probablement pris de la valeur ces derni\u00e8res ann\u00e9es. Si vous avez des dettes, vous pouvez refinancer votre bien avec la plus-value et potentiellement les rembourser. \u00c9videmment, chaque cas est unique, le meilleur moyen de savoir ce \u00e0 quoi vous avez droit est de nous contacter. Pour chaque client il existe une solution adapt\u00e9e!<\/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-21b7296 elementor-widget elementor-widget-spacer\" data-id=\"21b7296\" data-element_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-d1fd7da elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-align-center elementor-widget elementor-widget-the7_button_widget\" data-id=\"d1fd7da\" data-element_type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"https:\/\/calendly.com\/hypotheques\/decouvrez-vos-options-hypothecaires-rdv-initial\" target=\"_blank\" class=\"box-button elementor-button elementor-size-lg\">Contactez-nous pour avoir des conseils gratuits<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a><\/div>\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-1c3b3e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c3b3e2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f4e1486\" data-id=\"f4e1486\" data-element_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-dab989f elementor-widget elementor-widget-heading\" data-id=\"dab989f\" data-element_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-medium\">SERVICES<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-950d437 elementor-widget elementor-widget-heading\" data-id=\"950d437\" data-element_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\">Nos services de pr\u00eats Hypoth\u00e9caires sont parfaitement adapt\u00e9s \u00e0 votre situation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afd04bc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"afd04bc\" data-element_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<div class=\"elementor-element elementor-element-bcc0130 elementor-widget elementor-widget-text-editor\" data-id=\"bcc0130\" data-element_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>Le refinancement consiste \u00e0 briser l\u2019acte de pr\u00eat avec sa banque actuelle, pour contracter un nouveau pr\u00eat hypoth\u00e9caire plus \u00e9lev\u00e9 avec une autre institution financi\u00e8re, profiter de meilleures conditions et avantages tout en r\u00e9cup\u00e9rant les fonds suppl\u00e9mentaires sur son compte de banque.&nbsp;<\/p><p>Dans certains cas, il est m\u00eame possible de ne pas augmenter ses mensualit\u00e9s, ni la dur\u00e9e de son pr\u00eat. Nous pourrons vous dire si cette situation s\u2019applique \u00e0 votre cas. Remplissez le formulaire gratuit en ligne et on vous rappelle.<\/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-41ca22b elementor-widget elementor-widget-button\" data-id=\"41ca22b\" data-element_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-md\" href=\"\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Formulaire de contact<\/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-ccf869b elementor-widget elementor-widget-spacer\" data-id=\"ccf869b\" data-element_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-fa89a8a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa89a8a\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&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-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9091c37\" data-id=\"9091c37\" data-element_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-10b00f7 elementor-widget elementor-widget-heading\" data-id=\"10b00f7\" data-element_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\">Refinancement hypoth\u00e9caire - FAQ \n<div><span style=\"color: var(--the7-h2-color);font-family:;font-size:;font-style:;font-weight:;letter-spacing: var(--the7-h2-letter-spacing);text-transform: var(--the7-h2-text-transform);float: none\"><\/span><br><\/div><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae6e21 animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"3ae6e21\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6171\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6171\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quand refinancer son cr\u00e9dit hypoth\u00e9caire ? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6171\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6171\"><p><span style=\"font-weight: 400;\">Le meilleur moment pour refinancer votre cr\u00e9dit hypoth\u00e9caire d\u00e9pend de votre situation ainsi que de vos besoins.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Les meilleurs moments pour refinancer votre hypoth\u00e8que peuvent \u00eatre lorsque vous souhaitez :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acheter une r\u00e9sidence secondaire ou un chalet\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E\u00e9aliser des r\u00e9novations\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consolider vos dettes\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financer votre retraite<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payer les \u00e9tudes pour vos enfants\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investir dans un nouveau projet\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lancer votre entreprise\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Un besoin de liquidit\u00e9\u00a0<\/span><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6172\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6172\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Refinancement hypoth\u00e9caire avant terme : une bonne id\u00e9e ? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6172\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6172\"><p>Un <a href=\"https:\/\/hypotheques.ca\/staging\/blogue\/refinancement-hypothecaire-avant-terme\/\">refinancement hypoth\u00e9caire avant terme<\/a> n&rsquo;est pas toujours la meilleure solution, tout d\u00e9pend de votre situation.<\/p><p>Si vous n\u2019\u00eates pas press\u00e9, alors il est conseill\u00e9 de refinancer votre hypoth\u00e8que proche du terme de votre pr\u00eat afin d\u2019\u00e9viter tout frais juridiques ou des p\u00e9nalit\u00e9s. Plus la partie rembours\u00e9e de votre pr\u00eat hypoth\u00e9caire est grande, plus vous pourrez emprunter de nouveau.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6173\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-6173\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Combien de temps prennent les d\u00e9marches de refinancement hypoth\u00e9caire ? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6173\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-6173\"><p>Les d\u00e9lais pour compl\u00e9ter une demande de refinancement sont d\u2019environ 3 \u00e0 4 semaines. Il est donc important de s\u2019y prendre d\u2019avance.<\/p><p>Lorsque les d\u00e9lais sont plus serr\u00e9s, il est toutefois possible de demander \u00e0 sa banque actuelle de transf\u00e9rer son pr\u00eat \u00e0 taux ouvert le temps de terminer les proc\u00e9dures de refinancement avec nos courtiers hypoth\u00e9caires.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6174\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-6174\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Puis-je refinancer mon hypoth\u00e8que aupr\u00e8s du m\u00eame pr\u00eateur ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6174\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-6174\"><p>Vous pouvez refinancer votre hypoth\u00e8que aupr\u00e8s du m\u00eame pr\u00eateur mais vous n\u2019\u00eates pas oblig\u00e9 de passer par le m\u00eame pr\u00eateur. Nous vous conseillons de faire appel \u00e0 un courtier hypoth\u00e9caire qui vous proposera le pr\u00eateur avec la meilleure solution hypoth\u00e9caire pour vous.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6175\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-6175\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Refinancement ou R\u00e9hypoth\u00e9quer : Quelle est la diff\u00e9rence ? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6175\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-6175\"><p><span style=\"font-weight: 400;\">Il n\u2019y a pas de diff\u00e9rence entre le refinancement de votre propri\u00e9t\u00e9 ou <\/span><a href=\"https:\/\/hypotheques.ca\/staging\/blogue\/rehypothequer-sa-maison\"><span style=\"font-weight: 400;\">r\u00e9hypoth\u00e9quer sa maison<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6176\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-6176\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Frais notaire refinancement hypoth\u00e9caire ? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6176\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-6176\"><p><span style=\"font-weight: 400;\">Les frais de notaire pour un refinancement hypoth\u00e9caire varient en moyenne entre 800$ et 1200$. <\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6177\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-6177\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Refinancement hypoth\u00e9caire mauvais cr\u00e9dit <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6177\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-6177\"><p><span style=\"font-weight: 400;\">Oui, vous pouvez refinancer votre maison m\u00eame avec un <\/span><a href=\"https:\/\/hypotheques.ca\/staging\/blogue\/pret-hypotheque-mauvais-credit\"><span style=\"font-weight: 400;\">mauvais cr\u00e9dit<\/span><\/a><span style=\"font-weight: 400;\">. Toutefois, vous devez consid\u00e9rer plusieurs points en amont :\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Votre candidature doit \u00eatre attrayante\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Continuez \u00e0 construire une Valeur nette de votre maison\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u00e9terminez votre seuil de rentabilit\u00e9\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ayez recours aux pr\u00eats propos\u00e9s par le gouvernement\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ayez des attentes r\u00e9alistes\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fa\u00eetes des d\u00e9marches pour <\/span><a href=\"https:\/\/hypotheques.ca\/staging\/blogue\/comment-ameliorer-cote-de-credit\"><span style=\"font-weight: 400;\">am\u00e9liorer votre cote de cr\u00e9dit rapidement<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6178\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-6178\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Combien vaut ma propri\u00e9t\u00e9 ? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6178\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-6178\"><p>Il existe plusieurs m\u00e9thodes pour d\u00e9terminer la valeur marchande de votre propri\u00e9t\u00e9. Nous vous conseillons de passer par un courtier immobilier qui vous permettra de fixer la valeur de votre maison en fonction des ventes r\u00e9centes effectu\u00e9es dans le quartier.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6179\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-6179\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Combien de fois puis-je refinancer mon pr\u00eat hypoth\u00e9caire ? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6179\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-6179\"><p><span style=\"font-weight: 400;\">En principe, il n\u2019existe pas de limite pour refinancer votre propri\u00e9t\u00e9. Toutefois, sachez que votre dossier de cr\u00e9dit sera consult\u00e9 par le pr\u00eateur \u00e0 chaque demande de refinancement. En cas d\u2019un nombre trop important de demandes, votre dossier de cr\u00e9dit peut en \u00eatre affect\u00e9.\u00a0 <\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-61710\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-61710\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Devrais-je refinancer si les taux d\u2019int\u00e9r\u00eat sont faibles ? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-61710\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-61710\"><p><span style=\"font-weight: 400;\">Avoir recours au refinancement hypoth\u00e9caire en cas de diminution du taux d\u2019int\u00e9r\u00eat vous permet d\u2019obtenir un meilleur taux. Donc en principe oui, mais n\u2019oubliez pas de\u00a0 tenir compte des co\u00fbts suppl\u00e9mentaires tels que les frais de remboursement anticip\u00e9.\u00a0<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\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-6df9d881 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"6df9d881\" data-element_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-5d2233fa elementor-widget elementor-widget-image\" data-id=\"5d2233fa\" data-element_type=\"widget\" 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 loading=\"lazy\" decoding=\"async\" width=\"1728\" height=\"2304\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions.jpg\" class=\"attachment-full size-full wp-image-13040\" alt=\"Combien vous pouvez emprunter ?\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions.jpg 1728w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-225x300.jpg 225w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-768x1024.jpg 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-1152x1536.jpg 1152w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-1536x2048.jpg 1536w\" sizes=\"(max-width: 1728px) 100vw, 1728px\" \/>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c803784 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c803784\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&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-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7e1256e\" data-id=\"7e1256e\" data-element_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-b86cf41 elementor-widget elementor-widget-heading\" data-id=\"b86cf41\" data-element_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-medium\">SERVICES<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b7acf7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7b7acf7\" data-element_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\">D\u00e9couvrez nos autres services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b065f0e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b065f0e\" data-element_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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7493cf7 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"7493cf7\" data-element_type=\"column\">\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-de0a2e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de0a2e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e31a8c\" data-id=\"6e31a8c\" data-element_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-ceb90af elementor-widget__width-initial content-align-mobile-left icon-position-mobile-top icon-vertical-align-mobile-start content-align-left icon-box-vertical-align-top icon-position-left icon-vertical-align-start elementor-widget elementor-widget-the7_icon_box_grid_widget\" data-id=\"ceb90af\" data-element_type=\"widget\" data-widget_type=\"the7_icon_box_grid_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-box-grid-wrapper the7-elementor-widget loading-effect-none the7_icon_box_grid_widget-ceb90af\">\t\t\t<div class=\"dt-css-grid\">\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/pre-qualification-hypothecaire\" aria-label=\"Pr\u00e9-qualification\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-search-dollar\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPr\u00e9-qualification\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Besoin d'une pr\u00e9-qualification ?\nPrenez un rendez-vous personnalis\u00e9 avec nos courtiers hypoth\u00e9caires sans frais.\n\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">D\u00e9couvrir<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/premier-acheteur\" aria-label=\"Premier achat\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-receipt-cutoff\" viewBox=\"0 0 16 16\"><path d=\"M3 4.5a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 0 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 0 1 0 1h-6a.5.5 0 0 1-.5-.5zM11.5 4a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1z\"><\/path><path d=\"M2.354.646a.5.5 0 0 0-.801.13l-.5 1A.5.5 0 0 0 1 2v13H.5a.5.5 0 0 0 0 1h15a.5.5 0 0 0 0-1H15V2a.5.5 0 0 0-.053-.224l-.5-1a.5.5 0 0 0-.8-.13L13 1.293l-.646-.647a.5.5 0 0 0-.708 0L11 1.293l-.646-.647a.5.5 0 0 0-.708 0L9 1.293 8.354.646a.5.5 0 0 0-.708 0L7 1.293 6.354.646a.5.5 0 0 0-.708 0L5 1.293 4.354.646a.5.5 0 0 0-.708 0L3 1.293 2.354.646zm-.217 1.198.51.51a.5.5 0 0 0 .707 0L4 1.707l.646.647a.5.5 0 0 0 .708 0L6 1.707l.646.647a.5.5 0 0 0 .708 0L8 1.707l.646.647a.5.5 0 0 0 .708 0L10 1.707l.646.647a.5.5 0 0 0 .708 0L12 1.707l.646.647a.5.5 0 0 0 .708 0l.509-.51.137.274V15H2V2.118l.137-.274z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPremier achat\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Vous sautez le pas pour votre premier achat ? <br>\nVous faites votre premier pr\u00eat hypoth\u00e9caire ? <br>\nPrenez rendez-vous.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">D\u00e9couvrir<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/renouvellement-hypothecaire\" aria-label=\"Renouvellement\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-calculator\" viewBox=\"0 0 16 16\"><path d=\"M12 1a1 1 0 0 1 1 1v12a1 1 0 0 1-1 1H4a1 1 0 0 1-1-1V2a1 1 0 0 1 1-1h8zM4 0a2 2 0 0 0-2 2v12a2 2 0 0 0 2 2h8a2 2 0 0 0 2-2V2a2 2 0 0 0-2-2H4z\"><\/path><path d=\"M4 2.5a.5.5 0 0 1 .5-.5h7a.5.5 0 0 1 .5.5v2a.5.5 0 0 1-.5.5h-7a.5.5 0 0 1-.5-.5v-2zm0 4a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm3-6a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm3-6a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v4a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-4z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRenouvellement\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Votre \u00e9ch\u00e9ance est \u00e0 son terme ? Renouvelez pour tirer avantage des meilleures conditions sur le march\u00e9.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">D\u00e9couvrir<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\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\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div> \n","protected":false},"excerpt":{"rendered":"<p>Le saviez-vous ? Lorsque vous faites un refinancement, vous recevez les fonds directement sur votre compte de banque. Cet argent est ensuite \u00e0 vous. Vous pouvez en faire ce que vous voulez. REFINANCEMENT-HYPOTHECAIRE Qu\u2019est-ce que le refinancement hypoth\u00e9caire ? Le refinancement hypoth\u00e9caire vous permet d\u2019utiliser la valeur nette ou l\u2019\u00e9quit\u00e9 de votre maison pour emprunter&hellip;<\/p>\n","protected":false},"author":3,"featured_media":13203,"parent":0,"menu_order":11,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"class_list":["post-12170","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/pages\/12170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/comments?post=12170"}],"version-history":[{"count":46,"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/pages\/12170\/revisions"}],"predecessor-version":[{"id":20555,"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/pages\/12170\/revisions\/20555"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/media\/13203"}],"wp:attachment":[{"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/media?parent=12170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}