{"id":1046,"date":"2024-06-03T06:37:06","date_gmt":"2024-06-03T10:37:06","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=1046"},"modified":"2024-06-03T06:37:06","modified_gmt":"2024-06-03T10:37:06","slug":"comment-negocier-son-hypotheque-et-economiser-des-milliers-de-dollars","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/blogue\/finance\/comment-negocier-son-hypotheque-et-economiser-des-milliers-de-dollars\/","title":{"rendered":"Comment n\u00e9gocier son hypoth\u00e8que et \u00e9conomiser des milliers de dollars\u2009?"},"content":{"rendered":"<p><span data-contrast=\"none\">Signer une hypoth\u00e8que pour une <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/budget\/comment-faire-un-budget-pour-lachat-dune-maison\/\"><span data-contrast=\"none\">nouvelle maison<\/span><\/a><span data-contrast=\"none\"> n\u2019est pas une mince affaire. C\u2019est un contrat d\u2019une haute importance qui repr\u00e9sente une somme d\u2019argent tout aussi importante. Comme tout contrat, il y a plusieurs \u00e9l\u00e9ments \u00e0 n\u00e9gocier.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">En effet, vous n\u2019avez pas \u00e0 accepter d\u2019un coup ce qu\u2019une institution financi\u00e8re vous offrira. \u00c9galement, sachez que m\u00eame si vous avez d\u00e9j\u00e0 sign\u00e9 votre hypoth\u00e8que, au terme du contrat, vous serez appel\u00e9 \u00e0 renouveler votre hypoth\u00e8que et c\u2019est un bon moment pour n\u00e9gocier certains points. Comment faire pour n\u00e9gocier une hypoth\u00e8que \u00e0 votre avantage\u2009? Voici quelques trucs pour y arriver.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Savoir ce qui peut \u00eatre n\u00e9goci\u00e9<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Plusieurs \u00e9l\u00e9ments d\u2019un contrat de <\/span><a href=\"https:\/\/educaloi.qc.ca\/capsules\/hypotheque-immobiliere\/\"><span data-contrast=\"none\">pr\u00eat hypoth\u00e9caire<\/span><\/a><span data-contrast=\"none\"> peuvent \u00eatre n\u00e9goci\u00e9s. Chaque \u00e9l\u00e9ment pourrait avoir un impact sur les autres.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">La p\u00e9riode d\u2019amortissement\u202f:<\/span><\/b><span data-contrast=\"none\"> plus la p\u00e9riode sera longue, plus vous paierez d\u2019int\u00e9r\u00eats. Toutefois, vos mensualit\u00e9s seront moins \u00e9lev\u00e9es.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">La fr\u00e9quence des paiements\u202f:<\/span><\/b><span data-contrast=\"none\"> en payant chaque semaine ou toutes les deux semaines, vous rembourserez la totalit\u00e9 du pr\u00eat plus rapidement.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Le terme et le type pr\u00eat\u202f:<\/span><\/b><span data-contrast=\"none\"> le pr\u00eat ouvert aura un taux d\u2019int\u00e9r\u00eat plus \u00e9lev\u00e9, mais vous permettra de rembourser en tout temps, tandis que le pr\u00eat ferm\u00e9 aura un taux moins \u00e9lev\u00e9 qui pourra \u00eatre fixe ou variable pendant une certaine p\u00e9riode (6 mois, 1\u202fan, 3\u202fans, etc.). Le terme sera la p\u00e9riode durant laquelle votre hypoth\u00e8que restera en vigueur au taux convenu.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Le taux d\u2019int\u00e9r\u00eat\u202f:<\/span><\/b><span data-contrast=\"none\"> n\u00e9gociez toujours votre taux d\u2019int\u00e9r\u00eat. Si vous avez une bonne cote de cr\u00e9dit, vous pourriez arriver \u00e0 r\u00e9duire votre taux de 1\u202f%.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><b><span data-contrast=\"none\">La mise de fonds\u202f:<\/span><\/b><span data-contrast=\"none\"> c\u2019est le montant initial que vous devez donner, qui correspond \u00e0 un pourcentage de la valeur de la propri\u00e9t\u00e9. Bien s\u00fbr, plus vous avez une mise de fonds importante, plus le montant total de l\u2019hypoth\u00e8que sera bas. Le montant de la mise de fonds n\u2019aura toutefois pas d\u2019impact sur votre pouvoir de n\u00e9gociation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Bien conna\u00eetre sa situation<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Pour un nouveau contrat comme pour un <\/span><a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/hypotheques\/renouveler-hypotheque.html#toc0\"><span data-contrast=\"none\">renouvellement<\/span><\/a><span data-contrast=\"none\">, vous devrez bien conna\u00eetre les d\u00e9tails de votre situation financi\u00e8re. Si vous avez de bons revenus et un bon dossier de cr\u00e9dit, il sera plus facile de n\u00e9gocier un taux d\u2019int\u00e9r\u00eat plus bas. Aussi, prenez le temps d\u2019\u00e9valuer ce que vous comptez faire au courant des prochaines ann\u00e9es. Aurez-vous des r\u00e9novations \u00e0 faire\u2009? De gros achats qui pourraient signifier un refinancement hypoth\u00e9caire\u2009? Un d\u00e9m\u00e9nagement\u2009? Avec ces informations, un conseiller pourra vous aider \u00e0 choisir le pr\u00eat qui vous convient.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Si vous savez que votre hypoth\u00e8que vient \u00e0 terme et que vous devrez renouveler, v\u00e9rifiez votre cote de cr\u00e9dit. En changeant vos habitudes, vous pourriez am\u00e9liorer cette derni\u00e8re et obtenir un meilleur taux d\u2019int\u00e9r\u00eat.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Ne jamais accepter la premi\u00e8re offre<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Comme pour toute n\u00e9gociation, rappelez-vous qu\u2019il ne faut <\/span><i><span data-contrast=\"none\">jamais<\/span><\/i><span data-contrast=\"none\"> accepter la premi\u00e8re offre. En effet, bien que le taux affich\u00e9 soit le taux officiel de l\u2019institution, il peut \u00eatre n\u00e9gociable. Il ne faut donc pas accepter du premier coup, au risque de passer \u00e0 c\u00f4t\u00e9 d\u2019un pr\u00eat bien plus avantageux. Voyez la premi\u00e8re offre comme une base sur laquelle b\u00e2tir.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Se prendre d\u2019avance<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Pas besoin d\u2019\u00eatre sur le point d\u2019acheter une maison pour faire une demande de pr\u00eat hypoth\u00e9caire. Vous pouvez tr\u00e8s bien demander une pr\u00e9qualification hypoth\u00e9caire. De cette fa\u00e7on, vous aurez un minimum d\u2019assurance sur les taux et les conditions de votre pr\u00eat.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Dans un march\u00e9 o\u00f9 les taux changent rapidement, cela peut vous permettre de maintenir un taux d\u2019int\u00e9r\u00eat raisonnable. Cela peut aussi faciliter votre recherche de propri\u00e9t\u00e9.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Magasiner son pr\u00eat<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Il est tout \u00e0 votre avantage de magasiner votre pr\u00eat hypoth\u00e9caire et de vous informer aupr\u00e8s de plusieurs institutions. Une rencontre avec un courtier ou une visite sur le site web des diff\u00e9rentes institutions pourra vous donner une id\u00e9e plus juste des taux actuels que vous pourrez obtenir.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">N\u2019oubliez pas que la situation du march\u00e9 n\u2019est jamais la m\u00eame et qu\u2019elle peut \u00e9galement avoir un effet sur les taux indiqu\u00e9s. Ainsi, si l\u2019automne dernier votre s\u0153ur a pu obtenir un excellent taux avec sa banque, malheureusement, la situation ne sera pas n\u00e9cessairement la m\u00eame pour vous.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Faites attention lorsque vous magasinez votre pr\u00eat, de ne pas faire de multiples demandes au cr\u00e9dit dans plusieurs institutions bancaires. Ces demandes affecteraient n\u00e9gativement votre cote de cr\u00e9dit. Il peut \u00eatre avantageux, \u00e0 ce moment, de faire affaire avec un courtier hypoth\u00e9caire comp\u00e9tent qui pourra faire en votre nom de multiples demandes sans affecter votre cr\u00e9dit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134233279&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Tenir compte des frais\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous n\u2019arrivez pas \u00e0 n\u00e9gocier votre hypoth\u00e8que actuelle avec votre institution financi\u00e8re, vous pourriez \u00eatre tent\u00e9 de changer de pr\u00eateur. Sachez toutefois qu\u2019il y a des frais qui peuvent \u00eatre importants. Selon le cas, vous pourriez perdre l\u2019avantage financier de faire affaire avec une autre institution.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Frais de p\u00e9nalit\u00e9.<\/span><\/b><span data-contrast=\"auto\"> Changer d\u2019institution financi\u00e8re veut dire que votre p\u00e9nalit\u00e9 ne sera pas absorb\u00e9e par votre nouveau pr\u00eat hypoth\u00e9caire. Vous devrez donc le d\u00e9bourser de vos poches.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:160}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Frais de notaire.<\/span><\/b><span data-contrast=\"auto\"> Lorsque vous changez de banque pour votre pr\u00eat hypoth\u00e9caire, vous devez re-notarier, ce qui n\u2019est pas le cas lorsque vous restez avec la m\u00eame institution financi\u00e8re. \u00c0 ce moment, un <\/span><a href=\"https:\/\/www.argentmaintenant.com\/faq\/\"><span data-contrast=\"none\">pr\u00eat en ligne<\/span><\/a><span data-contrast=\"auto\"> peut \u00eatre une solution qui vous aidera \u00e0 payer les honoraires si vous n\u2019avez pas les fonds sous la main.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:160}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Bien regarder toutes les caract\u00e9ristiques du pr\u00eat<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Outre les points classiques des pr\u00eats hypoth\u00e9caires comme le taux d\u2019int\u00e9r\u00eat et le terme, il y a une foule d\u2019autres points qui pourraient \u00eatre n\u00e9goci\u00e9s ou qui, \u00e0 tout le moins, doivent \u00eatre pris en compte.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, assurez-vous de conna\u00eetre les conditions pour faire un remboursement anticip\u00e9. En effet, dans certains contrats, si vous d\u00e9cidez de faire un versement en extra pour rembourser votre hypoth\u00e8que plus rapidement, vous pourriez devoir payer des p\u00e9nalit\u00e9s. Il existe aussi des conditions comme la possibilit\u00e9 d\u2019ajouter quelqu\u2019un au contrat, les frais en cas de paiement en retard ou le transfert d\u2019hypoth\u00e8que.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">V\u00e9rifier le montant de l\u2019assurance<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Certaines institutions financi\u00e8res fourniront une assurance avec votre pr\u00eat hypoth\u00e9caire. V\u00e9rifiez bien le montant de la prime de cette assurance, car elle pourrait \u00eatre \u00e0 un prix qui n\u2019est pas int\u00e9ressant pour vous. Vous pouvez magasiner la couverture pour ce pr\u00eat avec d\u2019autres compagnies d\u2019assurances.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Que ce soit pour la signature d\u2019un nouveau contrat ou le renouvellement d\u2019une hypoth\u00e8que, il y a plusieurs fa\u00e7ons de n\u00e9gocier \u00e0 votre avantage. Aussi, sachez garder un \u0153il sur les promotions\u2009! En effet, il n\u2019est pas rare dans le domaine de voir des p\u00e9riodes o\u00f9 les institutions financi\u00e8res proposeront de payer elle-m\u00eame les frais de notaire ou vous offriront des remises en argent.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335559739&quot;:160}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Signer une hypoth\u00e8que pour une nouvelle maison n\u2019est pas une mince affaire. C\u2019est un contrat d\u2019une haute importance qui repr\u00e9sente [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1047,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-1046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment n\u00e9gocier son hypoth\u00e8que et \u00e9conomiser des milliers\u2009?<\/title>\n<meta name=\"description\" content=\"Une hypoth\u00e8que est un contrat important qui repr\u00e9sente une somme d\u2019argent \u00e9lev\u00e9e. 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