{"id":13315,"date":"2023-02-07T22:04:17","date_gmt":"2023-02-07T22:04:17","guid":{"rendered":"https:\/\/hypotheques.ca\/staging\/?page_id=13315"},"modified":"2025-08-18T15:08:22","modified_gmt":"2025-08-18T15:08:22","slug":"nouveaux-arrivants-au-canada","status":"publish","type":"page","link":"https:\/\/hypotheques.ca\/staging\/nouveaux-arrivants-au-canada\/","title":{"rendered":"Nouvel arrivant"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13315\" class=\"elementor elementor-13315\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fe2e69a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe2e69a\" 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-df24c55\" data-id=\"df24c55\" 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-18739724 elementor-widget elementor-widget-heading\" data-id=\"18739724\" 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\">Nouvel arrivant au Canada ?<br \/>\r\nObtenez un pr\u00eat hypoth\u00e9caire avec 5 ou 10% d\u2019apport (mise de fonds)<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ec30b5b elementor-widget__width-auto elementor-widget elementor-widget-breadcrumbs\" data-id=\"5ec30b5b\" 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-3781b75f\" data-id=\"3781b75f\" 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-4d62ad4a elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"4d62ad4a\" 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-45a31bbb\" data-id=\"45a31bbb\" 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-104a285 elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-18854 elementor-widget-html\" data-id=\"104a285\" 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() 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data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&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-33a074f\" data-id=\"33a074f\" 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-2bdfc9e5 elementor-widget elementor-widget-image\" data-id=\"2bdfc9e5\" 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=\"724\" height=\"483\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg' viewBox%3D'0 0 724 483'%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/624dc91ccb2b8c75f5085db8_Resident-temporaire-ou-permanent-hypotheque.jpg\" class=\"lazy-load attachment-large size-large wp-image-14247\" alt=\"Quelle est la mise de fonds minimale pour un nouvel arrivant au Canada?\" data-srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/624dc91ccb2b8c75f5085db8_Resident-temporaire-ou-permanent-hypotheque.jpg 724w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/624dc91ccb2b8c75f5085db8_Resident-temporaire-ou-permanent-hypotheque-300x200.jpg 300w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/>\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-aae06b3\" data-id=\"aae06b3\" 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-41230c69 elementor-widget elementor-widget-heading\" data-id=\"41230c69\" 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\">NOUVEL ARRIVANT<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69f3c6d2 elementor-widget elementor-widget-heading\" data-id=\"69f3c6d2\" 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\">Quelle est la mise de fonds minimale pour un nouvel arrivant au Canada?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dc16e3f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3dc16e3f\" 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-1afdeeef elementor-widget elementor-widget-text-editor\" data-id=\"1afdeeef\" 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>Que vous soyez r\u00e9sident temporaire, ou permanent, Il existe des solutions avec une mise de fonds (apport) \u00e0 partir de 5% ou 10%.<\/p><p>Si vous \u00eates nouvel arrivant au Qu\u00e9bec, nous pouvons vous aider \u00e0 obtenir un cr\u00e9dit immobilier (pr\u00eat Hypoth\u00e9caire) pour financer l&rsquo;achat d&rsquo;une maison ou d&rsquo;un condo, d&rsquo;un duplex&#8230;<\/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-a5eaecf elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-align-left elementor-widget elementor-widget-the7_button_widget\" data-id=\"a5eaecf\" 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=\"tel:+15144473000\" class=\"box-button elementor-button elementor-size-lg\">Contactez-nous pour  plus de renseignements<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<div class=\"elementor-element elementor-element-1d20d06c elementor-widget elementor-widget-spacer\" data-id=\"1d20d06c\" 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-41babea9 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41babea9\" 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<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-dee47c4 animated-fast elementor-invisible\" data-id=\"dee47c4\" 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-580b1834 elementor-widget elementor-widget-heading\" data-id=\"580b1834\" 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\">NOUVEL ARRIVANT<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11ffa85 elementor-widget elementor-widget-heading\" data-id=\"11ffa85\" 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\">Est-ce que le fait d\u2019\u00eatre r\u00e9sident temporaire va faire monter mon taux d'int\u00e9r\u00eat ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39a3d4fe elementor-widget elementor-widget-text-editor\" data-id=\"39a3d4fe\" 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;\">Non, le Taux d\u00e9pend g\u00e9n\u00e9ralement de la dur\u00e9e (terme) du montant du pr\u00eat, de vos ant\u00e9c\u00e9dents de cr\u00e9dit.<br \/>Il n\u2019est pas d\u00e9pendant de votre statut au Canada<\/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-748fed4c elementor-widget elementor-widget-spacer\" data-id=\"748fed4c\" 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-18f6bf8 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18f6bf8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&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-1901ef2\" data-id=\"1901ef2\" 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-ecb41d9 elementor-widget elementor-widget-heading\" data-id=\"ecb41d9\" 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\">NOUVEL ARRIVANT<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80cc32e elementor-widget elementor-widget-heading\" data-id=\"80cc32e\" 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\">Nous connaissons et comprenons 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-94c56df elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"94c56df\" 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-0375782 elementor-widget elementor-widget-text-editor\" data-id=\"0375782\" 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>Certains membres de notre \u00e9quipe sont eux-m\u00eames issus de l\u2019immigration et nous avons accompagn\u00e9 des centaines de nouveaux arrivants au cours des derni\u00e8res ann\u00e9es.<br \/>Nous comprenons parfaitement ce que vous vivez avec vos craintes, vos doutes, vos croyances et votre manque d\u2019information.<br \/>\u200d<br \/>Sachez qu&rsquo;en Europe, ou ailleurs dans le monde, le syst\u00e8me est compl\u00e8tement diff\u00e9rent. Ici les choses sont plus simples mais il y a des trucs et des r\u00e8gles \u00e0 conna\u00eetre imp\u00e9rativement pour faire un bon achat et avoir le meilleur pr\u00eat immobilier.<br \/>\u200d<br \/>Cela fait partie de notre travail de vous les expliquer.<br \/>Profitez-en, c&rsquo;est toujours gratuit.<\/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-3e9b295 elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-align-left elementor-widget elementor-widget-the7_button_widget\" data-id=\"3e9b295\" 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=\"tel:+15144473000\" class=\"box-button elementor-button elementor-size-lg\">Contactez-nous pour  plus de renseignements<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<div class=\"elementor-element elementor-element-cfcd51e elementor-widget elementor-widget-spacer\" data-id=\"cfcd51e\" 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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b204e63 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"b204e63\" 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-3a7ab12 elementor-widget elementor-widget-image\" data-id=\"3a7ab12\" 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=\"598\" height=\"584\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg' viewBox%3D'0 0 598 584'%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/624c79583139bd3373b9048c_Nouvel-arrivant.jpg\" class=\"lazy-load attachment-large size-large wp-image-14246\" alt=\"{&quot;type&quot;:&quot;elementor&quot;,&quot;siteurl&quot;:&quot;https:\/\/hypotheques.ca\/staging\/wp-json\/&quot;,&quot;elements&quot;:[{&quot;id&quot;:&quot;2bdfc9e5&quot;,&quot;elType&quot;:&quot;widget&quot;,&quot;isInner&quot;:false,&quot;isLocked&quot;:false,&quot;settings&quot;:{&quot;image&quot;:{&quot;url&quot;:&quot;https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/624dc91ccb2b8c75f5085db8_Resident-temporaire-ou-permanent-hypotheque.jpg&quot;,&quot;id&quot;:14247,&quot;alt&quot;:&quot;Quelle est la mise de fonds minimale pour un nouvel arrivant au Canada?&quot;,&quot;source&quot;:&quot;library&quot;,&quot;size&quot;:&quot;&quot;},&quot;lazy_load&quot;:&quot;yes&quot;,&quot;width&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:500,&quot;sizes&quot;:[]},&quot;height_tablet&quot;:{&quot;unit&quot;:&quot;vh&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;height_mobile&quot;:{&quot;unit&quot;:&quot;vh&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;object-fit&quot;:&quot;cover&quot;,&quot;image_size&quot;:&quot;large&quot;,&quot;image_custom_dimension&quot;:{&quot;width&quot;:&quot;&quot;,&quot;height&quot;:&quot;&quot;},&quot;align&quot;:&quot;&quot;,&quot;align_tablet&quot;:&quot;&quot;,&quot;align_mobile&quot;:&quot;&quot;,&quot;caption_source&quot;:&quot;none&quot;,&quot;caption&quot;:&quot;&quot;,&quot;link_to&quot;:&quot;none&quot;,&quot;link&quot;:{&quot;url&quot;:&quot;&quot;,&quot;is_external&quot;:&quot;&quot;,&quot;nofollow&quot;:&quot;&quot;,&quot;custom_attributes&quot;:&quot;&quot;},&quot;open_lightbox&quot;:&quot;default&quot;,&quot;view&quot;:&quot;traditional&quot;,&quot;inline_image&quot;:&quot;&quot;,&quot;width_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;width_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;space&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;space_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;space_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;object-fit_tablet&quot;:&quot;&quot;,&quot;object-fit_mobile&quot;:&quot;&quot;,&quot;the7_sticky_size&quot;:&quot;&quot;,&quot;the7_sticky_width&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;the7_sticky_width_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;the7_sticky_width_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;the7_sticky_space&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;the7_sticky_space_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;the7_sticky_space_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;the7_sticky_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;the7_sticky_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;the7_sticky_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;opacity&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;the7_sticky_opacity&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;css_filters_css_filter&quot;:&quot;&quot;,&quot;css_filters_blur&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;css_filters_brightness&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;css_filters_contrast&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;css_filters_saturate&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;css_filters_hue&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;opacity_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;css_filters_hover_css_filter&quot;:&quot;&quot;,&quot;css_filters_hover_blur&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;css_filters_hover_brightness&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;css_filters_hover_contrast&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;css_filters_hover_saturate&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;css_filters_hover_hue&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;background_hover_transition&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;hover_animation&quot;:&quot;&quot;,&quot;image_border_border&quot;:&quot;&quot;,&quot;image_border_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;image_border_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&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;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;_element_width&quot;:&quot;&quot;,&quot;_element_width_tablet&quot;:&quot;&quot;,&quot;_element_width_mobile&quot;:&quot;&quot;,&quot;_element_custom_width&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_element_custom_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_element_custom_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_element_vertical_align&quot;:&quot;&quot;,&quot;_element_vertical_align_tablet&quot;:&quot;&quot;,&quot;_element_vertical_align_mobile&quot;:&quot;&quot;,&quot;_position&quot;:&quot;&quot;,&quot;_offset_orientation_h&quot;:&quot;start&quot;,&quot;_offset_x&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;0&quot;,&quot;sizes&quot;:[]},&quot;_offset_x_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_offset_x_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_offset_x_end&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;0&quot;,&quot;sizes&quot;:[]},&quot;_offset_x_end_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_offset_x_end_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_offset_orientation_v&quot;:&quot;start&quot;,&quot;_offset_y&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;0&quot;,&quot;sizes&quot;:[]},&quot;_offset_y_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_offset_y_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_offset_y_end&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;0&quot;,&quot;sizes&quot;:[]},&quot;_offset_y_end_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_offset_y_end_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_z_index&quot;:&quot;&quot;,&quot;_z_index_tablet&quot;:&quot;&quot;,&quot;_z_index_mobile&quot;:&quot;&quot;,&quot;_element_id&quot;:&quot;&quot;,&quot;_css_classes&quot;:&quot;&quot;,&quot;enabled_visibility&quot;:&quot;&quot;,&quot;dce_visibility_hidden&quot;:&quot;&quot;,&quot;dce_visibility_dom&quot;:&quot;&quot;,&quot;dce_visibility_mode&quot;:&quot;quick&quot;,&quot;dce_visibility_selected&quot;:&quot;yes&quot;,&quot;dce_visibility_logical_connective&quot;:&quot;or&quot;,&quot;dce_visibility_triggers&quot;:[&quot;post&quot;,&quot;user&quot;,&quot;archive&quot;,&quot;dynamic_tag&quot;,&quot;device&quot;,&quot;datetime&quot;,&quot;geotargeting&quot;,&quot;context&quot;,&quot;woocommerce&quot;,&quot;myfastapp&quot;,&quot;random&quot;,&quot;custom&quot;,&quot;events&quot;],&quot;dce_visibility_post_id&quot;:&quot;current&quot;,&quot;dce_visibility_post_id_static&quot;:&quot;&quot;,&quot;dce_visibility_cpt&quot;:&quot;&quot;,&quot;dce_visibility_post&quot;:&quot;&quot;,&quot;dce_visibility_tax&quot;:&quot;&quot;,&quot;dce_visibility_term_category&quot;:&quot;&quot;,&quot;dce_visibility_term_post_tag&quot;:&quot;&quot;,&quot;dce_visibility_term_post_format&quot;:&quot;&quot;,&quot;dce_visibility_term_wp_theme&quot;:&quot;&quot;,&quot;dce_visibility_term_wp_template_part_area&quot;:&quot;&quot;,&quot;dce_visibility_term_elementor_library_type&quot;:&quot;&quot;,&quot;dce_visibility_term_affichage_taux&quot;:&quot;&quot;,&quot;dce_visibility_term_personalite&quot;:&quot;&quot;,&quot;dce_visibility_field&quot;:&quot;&quot;,&quot;dce_visibility_field_status&quot;:&quot;isset&quot;,&quot;dce_visibility_field_value&quot;:&quot;&quot;,&quot;dce_visibility_meta&quot;:&quot;&quot;,&quot;dce_visibility_meta_operator&quot;:&quot;yes&quot;,&quot;dce_visibility_format&quot;:&quot;&quot;,&quot;dce_visibility_parent&quot;:&quot;&quot;,&quot;dce_visibility_root&quot;:&quot;&quot;,&quot;dce_visibility_leaf&quot;:&quot;&quot;,&quot;dce_visibility_node&quot;:&quot;&quot;,&quot;dce_visibility_node_level&quot;:&quot;&quot;,&quot;dce_visibility_level&quot;:&quot;&quot;,&quot;dce_visibility_child&quot;:&quot;&quot;,&quot;dce_visibility_child_parent&quot;:&quot;&quot;,&quot;dce_visibility_sibling&quot;:&quot;&quot;,&quot;dce_visibility_friend&quot;:&quot;&quot;,&quot;dce_visibility_friend_term&quot;:&quot;&quot;,&quot;dce_visibility_conditional_tags_post&quot;:&quot;&quot;,&quot;dce_visibility_special&quot;:&quot;&quot;,&quot;dce_visibility_role&quot;:&quot;&quot;,&quot;dce_visibility_role_all&quot;:&quot;&quot;,&quot;dce_visibility_users&quot;:&quot;&quot;,&quot;dce_visibility_can&quot;:&quot;&quot;,&quot;dce_visibility_usermeta&quot;:&quot;&quot;,&quot;dce_visibility_usermeta_status&quot;:&quot;isset&quot;,&quot;dce_visibility_usermeta_value&quot;:&quot;&quot;,&quot;dce_visibility_ip&quot;:&quot;&quot;,&quot;dce_visibility_referrer&quot;:&quot;&quot;,&quot;dce_visibility_referrer_host_only&quot;:&quot;yes&quot;,&quot;dce_visibility_referrer_list&quot;:&quot;&quot;,&quot;dce_visibility_max_user&quot;:&quot;&quot;,&quot;dce_visibility_archive&quot;:&quot;&quot;,&quot;dce_visibility_archive_tax&quot;:&quot;&quot;,&quot;dce_visibility_archive_term_category&quot;:&quot;&quot;,&quot;dce_visibility_archive_term_post_tag&quot;:&quot;&quot;,&quot;dce_visibility_archive_term_post_format&quot;:&quot;&quot;,&quot;dce_visibility_archive_term_wp_theme&quot;:&quot;&quot;,&quot;dce_visibility_archive_term_wp_template_part_area&quot;:&quot;&quot;,&quot;dce_visibility_archive_term_elementor_library_type&quot;:&quot;&quot;,&quot;dce_visibility_archive_term_affichage_taux&quot;:&quot;&quot;,&quot;dce_visibility_archive_term_personalite&quot;:&quot;&quot;,&quot;dce_visibility_term_parent&quot;:&quot;&quot;,&quot;dce_visibility_term_root&quot;:&quot;&quot;,&quot;dce_visibility_term_leaf&quot;:&quot;&quot;,&quot;dce_visibility_term_node&quot;:&quot;&quot;,&quot;dce_visibility_term_child&quot;:&quot;&quot;,&quot;dce_visibility_term_sibling&quot;:&quot;&quot;,&quot;dce_visibility_term_count&quot;:&quot;&quot;,&quot;dce_visibility_dynamic_tag&quot;:&quot;&quot;,&quot;dce_visibility_dynamic_tag_status&quot;:&quot;isset&quot;,&quot;dce_visibility_dynamic_tag_value&quot;:&quot;&quot;,&quot;dce_visibility_responsive&quot;:&quot;&quot;,&quot;dce_visibility_browser&quot;:&quot;&quot;,&quot;dce_visibility_date_dynamic&quot;:&quot;&quot;,&quot;dce_visibility_date_dynamic_from&quot;:&quot;&quot;,&quot;dce_visibility_date_dynamic_to&quot;:&quot;&quot;,&quot;dce_visibility_date_from&quot;:&quot;&quot;,&quot;dce_visibility_date_to&quot;:&quot;&quot;,&quot;dce_visibility_period_from&quot;:&quot;&quot;,&quot;dce_visibility_period_to&quot;:&quot;&quot;,&quot;dce_visibility_time_week&quot;:&quot;&quot;,&quot;dce_visibility_time_from&quot;:&quot;&quot;,&quot;dce_visibility_time_to&quot;:&quot;&quot;,&quot;dce_visibility_parameter&quot;:&quot;&quot;,&quot;dce_visibility_parameter_method&quot;:&quot;REQUEST&quot;,&quot;dce_visibility_parameter_status&quot;:&quot;isset&quot;,&quot;dce_visibility_parameter_value&quot;:&quot;&quot;,&quot;dce_visibility_conditional_tags_site&quot;:&quot;&quot;,&quot;dce_visibility_max_day&quot;:&quot;&quot;,&quot;dce_visibility_max_total&quot;:&quot;&quot;,&quot;dce_visibility_random&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;dce_visibility_event&quot;:&quot;click&quot;,&quot;dce_visibility_click&quot;:&quot;&quot;,&quot;dce_visibility_click_show&quot;:&quot;&quot;,&quot;dce_visibility_click_other&quot;:&quot;&quot;,&quot;dce_visibility_click_toggle&quot;:&quot;&quot;,&quot;dce_visibility_load&quot;:&quot;&quot;,&quot;dce_visibility_load_delay&quot;:0,&quot;dce_visibility_load_show&quot;:&quot;&quot;,&quot;dce_visibility_fallback&quot;:&quot;&quot;,&quot;dce_visibility_fallback_type&quot;:&quot;text&quot;,&quot;dce_visibility_fallback_template&quot;:&quot;&quot;,&quot;dce_visibility_fallback_text&quot;:&quot;Cet \u00e9l\u00e9ment est actuellement 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&quot;,&quot;_border_hover_border&quot;:&quot;&quot;,&quot;_border_hover_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;_border_hover_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;_border_hover_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;_border_hover_color&quot;:&quot;&quot;,&quot;_border_radius_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;_border_radius_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;_border_radius_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;_box_shadow_hover_box_shadow_type&quot;:&quot;&quot;,&quot;_box_shadow_hover_box_shadow&quot;:{&quot;horizontal&quot;:0,&quot;vertical&quot;:0,&quot;blur&quot;:10,&quot;spread&quot;:0,&quot;color&quot;:&quot;rgba(0,0,0,0.5)&quot;},&quot;_box_shadow_hover_box_shadow_position&quot;:&quot; &quot;,&quot;_border_hover_transition&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_mask_switch&quot;:&quot;&quot;,&quot;_mask_shape&quot;:&quot;circle&quot;,&quot;_mask_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_mask_notice&quot;:&quot;&quot;,&quot;_mask_size&quot;:&quot;contain&quot;,&quot;_mask_size_tablet&quot;:&quot;&quot;,&quot;_mask_size_mobile&quot;:&quot;&quot;,&quot;_mask_size_scale&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;_mask_size_scale_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_mask_size_scale_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_mask_position&quot;:&quot;center center&quot;,&quot;_mask_position_tablet&quot;:&quot;&quot;,&quot;_mask_position_mobile&quot;:&quot;&quot;,&quot;_mask_position_x&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_mask_position_x_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_mask_position_x_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_mask_position_y&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_mask_position_y_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_mask_position_y_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_mask_repeat&quot;:&quot;no-repeat&quot;,&quot;_mask_repeat_tablet&quot;:&quot;&quot;,&quot;_mask_repeat_mobile&quot;:&quot;&quot;,&quot;hide_desktop&quot;:&quot;&quot;,&quot;hide_tablet&quot;:&quot;&quot;,&quot;hide_mobile&quot;:&quot;&quot;,&quot;_attributes&quot;:&quot;&quot;,&quot;custom_css&quot;:&quot;&quot;},&quot;defaultEditSettings&quot;:{&quot;defaultEditRoute&quot;:&quot;content&quot;},&quot;elements&quot;:[],&quot;widgetType&quot;:&quot;image&quot;,&quot;editSettings&quot;:{&quot;defaultEditRoute&quot;:&quot;content&quot;,&quot;panel&quot;:{&quot;activeTab&quot;:&quot;content&quot;,&quot;activeSection&quot;:&quot;section_image&quot;}}}]}\" data-srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/624c79583139bd3373b9048c_Nouvel-arrivant.jpg 598w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/624c79583139bd3373b9048c_Nouvel-arrivant-300x293.jpg 300w\" sizes=\"(max-width: 598px) 100vw, 598px\" \/>\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-bf33991 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf33991\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&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-c36ee18\" data-id=\"c36ee18\" 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-0d1fe8e elementor-widget elementor-widget-heading\" data-id=\"0d1fe8e\" 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\">VOTRE PROJET<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-136427b elementor-widget elementor-widget-heading\" data-id=\"136427b\" 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\">Maintenant que vous savez que nous pouvons vous aider, dites-nous o\u00f9 vous en \u00eates dans votre projet ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3a77b7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a3a77b7\" 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-bfdde7e elementor-widget elementor-widget-spacer\" data-id=\"bfdde7e\" 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-b6a3395 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=\"b6a3395\" 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-b6a3395\">\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=\"\/nos-outils\" aria-label=\"Vous voulez avoir une id\u00e9e du montant que vous pouvez emprunter ?\">\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<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\tVous voulez avoir une id\u00e9e du montant que vous pouvez emprunter ?\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\">Notre calculatrice vous permet d\u2019avoir une id\u00e9e pr\u00e9cise.<\/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-md\">Cliquez Ici<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=\"Vous savez combien vous pouvez emprunter mais c\u2019est votre premier achat et vous ne savez pas comment \u00e7a se passe ?\">\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<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\tVous savez combien vous pouvez emprunter mais c\u2019est votre premier achat et vous ne savez pas comment \u00e7a se passe ?\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<div class=\"box-button elementor-button elementor-size-md\">Cliquez Ici<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=\"\/pre-qualification-hypothecaire\" target=\"_blank\" aria-label=\"Vous \u00eates d\u00e9j\u00e0 en train de visiter des appartements, condos ou maisons ?\">\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<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\tVous \u00eates d\u00e9j\u00e0 en train de visiter des appartements, condos ou maisons ?\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\">Alors, vous devez avoir une pr\u00e9qualification hypoth\u00e9caire pour vous positionner et prouver votre capacit\u00e9 financi\u00e8re.<br>\nProfitez-en c\u2019est gratuit.\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-md\">Cliquez Ici<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=\"\/refinancement-hypothecaire\" aria-label=\"Vous avez d\u00e9j\u00e0 un bien immobilier et vous avez besoin de liquidit\u00e9s rapidement ? Pensez au refinancement.\">\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<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\tVous avez d\u00e9j\u00e0 un bien immobilier et vous avez besoin de liquidit\u00e9s rapidement ? Pensez au refinancement.\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 pouvez refinancer, et r\u00e9-emprunter jusqu'a 80% de la valeur marchande de votre propri\u00e9t\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-md\">Cliquez Ici<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<div class=\"elementor-element elementor-element-04f9552 elementor-widget elementor-widget-spacer\" data-id=\"04f9552\" 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-40101bd elementor-widget elementor-widget-text-editor\" data-id=\"40101bd\" 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><strong>\u00ab\u00a0Hypoth\u00e8que, c&rsquo;est bien plus un mot pour nous, c&rsquo;est une sp\u00e9cialit\u00e9\u00a0\u00bb<\/strong><br \/>Nous sommes l\u00e0 pour expliquer, guider, accompagner et pour faire en sorte que le mot hypoth\u00e8que et ce qui l\u2019entoure soit clair pour tous.<br \/>Nous travaillons avec vous, \u00e0 chaque \u00e9tape du processus d\u2019achat, nous nous assurons que vous compreniez toutes les options et que vous trouviez un taux avantageux adapt\u00e9 \u00e0 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-top-section elementor-element elementor-element-72e14e39 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72e14e39\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&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-100 elementor-top-column elementor-element elementor-element-2e44f2fe\" data-id=\"2e44f2fe\" 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-5c7143d elementor-widget elementor-widget-heading\" data-id=\"5c7143d\" 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\">Autres questions fr\u00e9quentes au sujet de l\u2019hypoth\u00e8que au Qu\u00e9bec.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-276382de animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"276382de\" 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-6601\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6601\" 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-right\" 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=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/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\">1. Est-ce vraiment important d\u2019obtenir un pr\u00eat hypoth\u00e9caire en tant que nouvel arrivant ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6601\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6601\"><p>Oui, comme tout le monde si vous avez des revenus stables et que vous souhaitez vous installer durablement dans la province, c\u2019est un des meilleurs moyens pour investir et arr\u00eater de payer un loyer chaque mois \u00e0 un propri\u00e9taire qui peut vous sortir de l\u2019appartement \u00e0 tout moment. <br \/>Ayez l\u2019esprit tranquille, vous pouvez devenir propri\u00e9taire au Canada.<\/p><p>Il n&rsquo;est pas n\u00e9cessaire d&rsquo;attendre d&rsquo;\u00eatre r\u00e9sident permanent ou Canadien.<\/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-6602\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6602\" 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-right\" 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=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/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\">2. J\u2019ai entendu parler d\u2019un \u201cscore de cr\u00e9dit\u201d. Qu'est-ce que c\u2019est et est-ce important pour moi ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6602\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6602\"><p>Plusieurs nouveaux arrivants ignorent souvent ce qu&rsquo;est le dossier de cr\u00e9dit. En bref, il s&rsquo;agit d&rsquo;un score qui vous est attribu\u00e9 en fonction de vos habitudes de paiement. Vous devez payer \u00e0 temps vos obligations et respecter les \u00e9ch\u00e9ances. Ce score varie entre 300 et 900.<\/p><p>Avant de vous accorder un pr\u00eat, les banques v\u00e9rifieront votre dossier de cr\u00e9dit.<br \/>Il est important dans l\u2019obtention de votre pr\u00eat hypoth\u00e9caire et <strong>il peut \u00e9galement influencer votre taux d\u2019emprunt.<\/strong><\/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-6603\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-6603\" 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-right\" 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=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/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\">3. Je n\u2019ai jamais eu de cr\u00e9dit de ma vie, est-ce que ma c\u00f4te\/score est au plus haut ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6603\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-6603\"><p>Malgr\u00e9 la d\u00e9finition relativement simple du terme, les Europ\u00e9ens peuvent tirer des conclusions erron\u00e9es de ce syst\u00e8me. Par exemple, un Europ\u00e9en aura tendance \u00e0 se dire : \u00ab si je n&rsquo;ai jamais eu recours au cr\u00e9dit, mon score ou dossier de cr\u00e9dit sera bon \u00bb.<\/p><p>Ce n&rsquo;est pas ainsi que le syst\u00e8me fonctionne ! Pour b\u00e2tir votre dossier de cr\u00e9dit, il est important de se cr\u00e9er un historique en empruntant et en respectant ses obligations de remboursement \u00e0 temps !<\/p><p>C\u2019est l\u2019inverse de votre premi\u00e8re intuition.<br \/>Ici, plus vous empruntez et plus vous remboursez, meilleur est votre score et plus vous pouvez emprunter ensuite, cependant attention \u00e0 ne jamais payer en retard et \u00e0 ne pas utiliser votre carte de cr\u00e9dit a plus de 60% de sa limite autoris\u00e9e.<\/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-6604\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-6604\" 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-right\" 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=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/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\">4. Pr\u00e9-qualification hypoth\u00e9caire ou pr\u00e9-autorisation. Est-ce la m\u00eame chose ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6604\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-6604\"><p>Une <strong>pr\u00e9-qualification hypoth\u00e9caire<\/strong> : c&rsquo;est une estimation du pr\u00eat maximal qu&rsquo;un pr\u00eateur pourrait vous accorder; Une pr\u00e9-autorisation <strong>hypoth\u00e9caire<\/strong> : c&rsquo;est une forme d&rsquo;engagement de la part du pr\u00eateur, elle reste conditionnelle \u00e0 ce que votre situation ne change pas et que la valeur du bien que vous allez acheter soit support\u00e9 par l&rsquo;assureur ou l&rsquo;\u00e9valuateur lors de la demande de financement<\/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-6605\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-6605\" 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-right\" 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=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/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\">5. Une pr\u00e9-approbation (Ou pr\u00e9-qualification hypoth\u00e9caire) me lie t\u2019elle \u00e0 une banque ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6605\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-6605\"><p><strong>Non.<\/strong> Vous \u00eates libre de prendre votre pr\u00eat hypoth\u00e9caire dans l\u2019institution que vous souhaitez. D\u2019ailleurs nous verrons avec vous au moment voulu s\u2019il n\u2019y a pas une autre offre plus avantageuse pour vous, si c&rsquo;est le cas vous pourrez alors choisir une option plus int\u00e9ressante.<\/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-6606\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-6606\" 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-right\" 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=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/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\">6. Est-ce que je dois faire une pr\u00e9-approbation pour chaque offre d\u2019achat que je vais faire ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6606\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-6606\"><p>Nous vous fournirons la pr\u00e9-qualification ou la pr\u00e9-autorisation hypoth\u00e9caire qui correspond \u00e0 votre besoin. Cependant si la recherche \u00e9volue (Condominium, Duplex, Triplex, Maison individuelle&#8230;) il est probable que votre capacit\u00e9 d&#8217;emprunt et que certains facteurs influent sur votre capacit\u00e9 d&#8217;emprunt (a la hausse ou \u00e0 la baisse), nous resterons \u00e0 votre \u00e9coute lors des d\u00e9marches pour \u00e9valuer avec pr\u00e9cision ce que vous pouvez obtenir.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. Est-ce vraiment important d\\u2019obtenir un pr\\u00eat hypoth\\u00e9caire en tant que nouvel arrivant ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, comme tout le monde si vous avez des revenus stables et que vous souhaitez vous installer durablement dans la province, c\\u2019est un des meilleurs moyens pour investir et arr\\u00eater de payer un loyer chaque mois \\u00e0 un propri\\u00e9taire qui peut vous sortir de l\\u2019appartement \\u00e0 tout moment. <br \\\/>Ayez l\\u2019esprit tranquille, vous pouvez devenir propri\\u00e9taire au Canada.<\\\/p><p>Il n&rsquo;est pas n\\u00e9cessaire d&rsquo;attendre d&rsquo;\\u00eatre r\\u00e9sident permanent ou Canadien.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"2. J\\u2019ai entendu parler d\\u2019un \\u201cscore de cr\\u00e9dit\\u201d. Qu'est-ce que c\\u2019est et est-ce important pour moi ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Plusieurs nouveaux arrivants ignorent souvent ce qu&rsquo;est le dossier de cr\\u00e9dit. En bref, il s&rsquo;agit d&rsquo;un score qui vous est attribu\\u00e9 en fonction de vos habitudes de paiement. Vous devez payer \\u00e0 temps vos obligations et respecter les \\u00e9ch\\u00e9ances. Ce score varie entre 300 et 900.<\\\/p><p>Avant de vous accorder un pr\\u00eat, les banques v\\u00e9rifieront votre dossier de cr\\u00e9dit.<br \\\/>Il est important dans l\\u2019obtention de votre pr\\u00eat hypoth\\u00e9caire et <strong>il peut \\u00e9galement influencer votre taux d\\u2019emprunt.<\\\/strong><\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"3. Je n\\u2019ai jamais eu de cr\\u00e9dit de ma vie, est-ce que ma c\\u00f4te\\\/score est au plus haut ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Malgr\\u00e9 la d\\u00e9finition relativement simple du terme, les Europ\\u00e9ens peuvent tirer des conclusions erron\\u00e9es de ce syst\\u00e8me. Par exemple, un Europ\\u00e9en aura tendance \\u00e0 se dire : \\u00ab si je n&rsquo;ai jamais eu recours au cr\\u00e9dit, mon score ou dossier de cr\\u00e9dit sera bon \\u00bb.<\\\/p><p>Ce n&rsquo;est pas ainsi que le syst\\u00e8me fonctionne ! Pour b\\u00e2tir votre dossier de cr\\u00e9dit, il est important de se cr\\u00e9er un historique en empruntant et en respectant ses obligations de remboursement \\u00e0 temps !<\\\/p><p>C\\u2019est l\\u2019inverse de votre premi\\u00e8re intuition.<br \\\/>Ici, plus vous empruntez et plus vous remboursez, meilleur est votre score et plus vous pouvez emprunter ensuite, cependant attention \\u00e0 ne jamais payer en retard et \\u00e0 ne pas utiliser votre carte de cr\\u00e9dit a plus de 60% de sa limite autoris\\u00e9e.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"4. Pr\\u00e9-qualification hypoth\\u00e9caire ou pr\\u00e9-autorisation. 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D\\u2019ailleurs nous verrons avec vous au moment voulu s\\u2019il n\\u2019y a pas une autre offre plus avantageuse pour vous, si c&rsquo;est le cas vous pourrez alors choisir une option plus int\\u00e9ressante.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"6. Est-ce que je dois faire une pr\\u00e9-approbation pour chaque offre d\\u2019achat que je vais faire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Nous vous fournirons la pr\\u00e9-qualification ou la pr\\u00e9-autorisation hypoth\\u00e9caire qui correspond \\u00e0 votre besoin. Cependant si la recherche \\u00e9volue (Condominium, Duplex, Triplex, Maison individuelle&#8230;) il est probable que votre capacit\\u00e9 d&#8217;emprunt et que certains facteurs influent sur votre capacit\\u00e9 d&#8217;emprunt (a la hausse ou \\u00e0 la baisse), nous resterons \\u00e0 votre \\u00e9coute lors des d\\u00e9marches pour \\u00e9valuer avec pr\\u00e9cision ce que vous pouvez obtenir.<\\\/p>\"}}]}<\/script>\n\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d696759 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d696759\" 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<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-f3b734e animated-fast elementor-invisible\" data-id=\"f3b734e\" 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-1958087 elementor-widget elementor-widget-heading\" data-id=\"1958087\" 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\">NOUVEL ARRIVANT<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b151d4b elementor-widget elementor-widget-heading\" data-id=\"b151d4b\" 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\">Est-ce que le fait d\u2019\u00eatre r\u00e9sident temporaire va faire monter mon taux?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0eedcd4 elementor-widget elementor-widget-text-editor\" data-id=\"0eedcd4\" 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;\">Non, le taux d\u00e9pend de votre situation, de la dur\u00e9e et du montant demand\u00e9.<br \/>Il n\u2019est pas d\u00e9pendant de votre statut au Canada<\/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-e611eeb elementor-widget elementor-widget-spacer\" data-id=\"e611eeb\" 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-4d0e1ff3 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d0e1ff3\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&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-24a41967\" data-id=\"24a41967\" 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-c964042 animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"c964042\" 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-2111\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2111\" 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\"> Quels sont les frais suppl\u00e9mentaires \u00e0 pr\u00e9voir en cas d'achat d'une maison ou d'un appartement au Qu\u00e9bec ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2111\"><p>Passons rapidement en revue les diff\u00e9rentes d\u00e9penses g\u00e9n\u00e9rales qui d\u00e9coulent d&rsquo;un achat immobilier :<\/p><ul><li>Frais de notaire (bien moins cher qu\u2019en France)<\/li><li>Taxe sur la prime d\u2019assurance hypoth\u00e9caire (Taxe de 9% )<\/li><li><a href=\"\/nos-outils\">Taxe de bienvenue<\/a> (droit de mutation, % variable selon la municipalit\u00e9)<\/li><li>TPS et TVQ (Dans le cas d\u2019une construction neuve uniquement) : il s&rsquo;agit de l&rsquo;\u00e9quivalent de la TVA en France ou en Belgique. \u00c0 noter toutefois qu\u2019il existe des incitatifs fiscaux en fonction du montant de l\u2019achat. <a href=\"\/blogue\/achat-dun-premier-logement-les-avantages-fiscaux\">D\u00e9couvrez l\u2019article<\/a><\/li><\/ul><p>D&rsquo;autres frais peuvent s\u2019ajouter : par exemple, le certificat de localisation, l\u2019assurance titre ou encore les frais d\u2019inspection et ceux d&rsquo;\u00e9valuation.<\/p><p>Mais l\u00e0 encore, nous connaissons les \u00e9tapes, les co\u00fbts et nous vous donnerons exactement la liste de toutes les autres d\u00e9penses \u00e0 pr\u00e9voir.<\/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-2112\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2112\" 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\">Plusieurs id\u00e9es fausses concernant l'achat immobilier, le cr\u00e9dit hypoth\u00e9caire et les nouveaux arrivants circulent.<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2112\"><p>C\u2019est pourquoi l\u2019expertise d\u2019un courtier hypoth\u00e9caire est essentielle pour balayer rapidement les informations concernant le cr\u00e9dit hypoth\u00e9caire disponible pour les nouveaux arrivants au Canada.<\/p><p><a class=\"button\" href=\"https:\/\/hypotheques.zohobookings.ca\/#\/fr-team\" target=\"_blank\" rel=\"noopener\">Laissez-nous vous aider \u00e0 y voir clair.<\/a><\/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-2113\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2113\" 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\">Que faut-il au minimum pour demander un pr\u00eat hypoth\u00e9caire en tant que nouvel arrivant ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2113\"><p>S&rsquo;il est possible d&rsquo;obtenir un pr\u00eat hypoth\u00e9caire en tant que nouvel arrivant au Canada, il y a tout de m\u00eame des conditions minimales \u00e0 satisfaire. \u00c0 savoir :<\/p><ul><li>Avoir une mise de fonds de minimum 5 % pour un achat de moins de 500 000 $ En cas de montant sup\u00e9rieur, la mise de fonds doit atteindre 10 % (\u00e0 partir de 500 001 $)<\/li><li>Avoir un emploi \u00e0 temps plein sans probation (sans p\u00e9riode d\u2019essai)<\/li><li>R\u00e9sider dans la propri\u00e9t\u00e9 que vous allez acheter. Note : s&rsquo;il s&rsquo;agit d&rsquo;un duplex, vous pouvez mettre en location l&rsquo;autre unit\u00e9<\/li><li>Acheter une maison ou un condo de moins d&rsquo;un million de dollars<\/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-2114\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2114\" 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\">Quels sont les documents et justificatifs \u00e0 pr\u00e9senter pour obtenir un pr\u00eat<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2114\"><p>Avant d&rsquo;\u00eatre approuv\u00e9, vous devrez bien entendu fournir des justificatifs :<\/p><ul><li>Justificatif de votre s\u00e9jour l\u00e9gal au Canada ( permis de travail, PVT, r\u00e9sidence permanente\u2026.)<\/li><li>Confirmation de vos revenus : dernier talon de paie, Lettre d\u2019emploi<\/li><li>Preuve que vous disposez de la mise de fonds sur un compte \u00e0 votre nom.<\/li><\/ul><p>Si vous n&rsquo;avez pas de score de cr\u00e9dit au Canada, il est possible de fournir des justificatifs alternatifs.<\/p><p>Par exemple :<\/p><ul><li>Via son propri\u00e9taire (ant\u00e9c\u00e9dent de paiement des loyers)<\/li><li>Via son fournisseur de gaz\/t\u00e9l\u00e9phone\/\u00e9lectricit\u00e9 (factures pay\u00e9es)<\/li><li>En pr\u00e9sentant ses relev\u00e9s de compte<\/li><li>En fournissant une lettre de r\u00e9f\u00e9rence (recommandation) d&rsquo;une banque <\/li><\/ul><p>Votre situation est unique et nous vous accompagnons pour trouver la solution adapt\u00e9e \u00e0 votre besoin.<\/p><p>Nous mettrons \u00e0 votre disposition notre expertise dans le domaine du pr\u00eat hypoth\u00e9caire, Nos services sont gratuits. Et nous savons exactement comment cela fonctionne !<\/p><p><a href=\"\/blogue\/nouveaux-arrivants-au-canada-acceder-a-la-propriete\">D\u00e9couvrez l\u2019article<\/a><\/p><p>\u00a0<\/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-46d16028\" data-id=\"46d16028\" 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-1487ee39 elementor-widget elementor-widget-image\" data-id=\"1487ee39\" 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=\"1728\" height=\"2304\" src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv.jpg\" class=\"attachment-full size-full wp-image-13252\" alt=\"Renouvellement hypoth\u00e9caire\" srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv.jpg 1728w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv-225x300.jpg 225w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv-768x1024.jpg 768w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv-1152x1536.jpg 1152w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv-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-7fd4c4d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fd4c4d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&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-0f837a6\" data-id=\"0f837a6\" 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-f0c1e70 elementor-widget elementor-widget-heading\" data-id=\"f0c1e70\" 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\">NOUVEL ARRIVANT<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09c413e elementor-widget elementor-widget-heading\" data-id=\"09c413e\" 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\">Nous connaissons et comprenons 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-099cf9d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"099cf9d\" 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-e6c2699 elementor-widget elementor-widget-text-editor\" data-id=\"e6c2699\" 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>Certains membres de notre \u00e9quipe sont eux-m\u00eames issus de l\u2019immigration et nous avons accompagn\u00e9 des centaines de nouveaux arrivants au cours des derni\u00e8res ann\u00e9es.<br \/>Nous comprenons parfaitement ce que vous vivez avec vos craintes, vos doutes, vos croyances et votre manque d\u2019information.<br \/>\u200d<br \/>Sachez qu&rsquo;en Europe, ou ailleurs dans le monde, le syst\u00e8me est compl\u00e8tement diff\u00e9rent. Ici les choses sont plus simples mais il y a des trucs et des r\u00e8gles \u00e0 conna\u00eetre imp\u00e9rativement pour faire un bon achat et avoir le meilleur pr\u00eat immobilier.<br \/>\u200d<br \/>Cela fait partie de notre travail de vous les expliquer.<br \/>Profitez-en, c&rsquo;est toujours gratuit.<\/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-bf52261 elementor-widget elementor-widget-spacer\" data-id=\"bf52261\" 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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9a223cf\" data-id=\"9a223cf\" 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-d2ecf4d elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"d2ecf4d\" data-element_type=\"widget\" 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_HoN4-2\"><\/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_HoN4-2\");\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_HoN4-2\").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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f381840 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f381840\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&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-31ba533b\" data-id=\"31ba533b\" 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-5f80f72a elementor-widget elementor-widget-heading\" data-id=\"5f80f72a\" 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\">NOUVEL ARRIVANT<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44be0932 elementor-widget elementor-widget-heading\" data-id=\"44be0932\" 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\">Comment choisir un pr\u00eat hypoth\u00e9caire entre toutes les banques ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6467a6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6467a6\" 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-5e5155ae elementor-widget elementor-widget-text-editor\" data-id=\"5e5155ae\" 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>Faire appel \u00e0 nos services am\u00e9liorera vos chances de succ\u00e8s. Nous connaissons tous les pr\u00eateurs et leurs conditions d\u2019acc\u00e8s. Nous avons acc\u00e8s \u00e0 tous leurs produits.<\/p><p>Ainsi vous ne serez pas limit\u00e9 par l\u2019offre d\u2019une seule banque. Nos courtiers peuvent vous offrir en toute impartialit\u00e9 de nombreuses solutions selon votre profil et vos besoins sp\u00e9cifiques. Le tout, sans frais.<\/p><h2>Vous \u00eates encore dans votre pays d\u2019origine, et pr\u00e9parez-vous votre arriv\u00e9e ici ?<\/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-7bae8ff1 elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-the7_button_widget\" data-id=\"7bae8ff1\" 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=\"\/contact\" class=\"box-button elementor-button elementor-size-lg\">Appelez-nous<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<div class=\"elementor-element elementor-element-6fd3eef elementor-widget elementor-widget-spacer\" data-id=\"6fd3eef\" 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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3e3a5282\" data-id=\"3e3a5282\" 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-e5183b2 elementor-widget elementor-widget-image\" data-id=\"e5183b2\" 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=\"724\" height=\"483\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg' viewBox%3D'0 0 724 483'%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6252204450c45e1fa3bbb140_Nouvel-arrivant-small.jpg\" class=\"lazy-load attachment-large size-large wp-image-14250\" alt=\"Profitez des programmes hypoth\u00e9caires pour nouveaux immigrants.\" data-srcset=\"https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6252204450c45e1fa3bbb140_Nouvel-arrivant-small.jpg 724w, https:\/\/hypotheques.ca\/staging\/wp-content\/uploads\/2023\/02\/6252204450c45e1fa3bbb140_Nouvel-arrivant-small-300x200.jpg 300w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/>\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<\/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>NOUVEL ARRIVANT Quelle est la mise de fonds minimale pour un nouvel arrivant au Canada? Que vous soyez r\u00e9sident temporaire, ou permanent, Il existe des solutions avec une mise de fonds (apport) \u00e0 partir de 5% ou 10%. Si vous \u00eates nouvel arrivant au Qu\u00e9bec, nous pouvons vous aider \u00e0 obtenir un cr\u00e9dit immobilier (pr\u00eat&hellip;<\/p>\n","protected":false},"author":3,"featured_media":14249,"parent":0,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"class_list":["post-13315","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/pages\/13315","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=13315"}],"version-history":[{"count":27,"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/pages\/13315\/revisions"}],"predecessor-version":[{"id":19533,"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/pages\/13315\/revisions\/19533"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/media\/14249"}],"wp:attachment":[{"href":"https:\/\/hypotheques.ca\/staging\/wp-json\/wp\/v2\/media?parent=13315"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}