{"id":981,"date":"2024-03-04T07:37:10","date_gmt":"2024-03-04T12:37:10","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=981"},"modified":"2024-03-04T07:37:10","modified_gmt":"2024-03-04T12:37:10","slug":"sept-reponses-aux-questions-financieres-les-plus-demandees","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/blogue\/finance\/sept-reponses-aux-questions-financieres-les-plus-demandees\/","title":{"rendered":"Sept r\u00e9ponses aux questions financi\u00e8res les plus demand\u00e9es"},"content":{"rendered":"<p><span data-contrast=\"auto\">Le monde des finances n\u2019est pas des plus simples\u2009! D\u2019ailleurs, saviez-vous que, selon l\u2019Autorit\u00e9 des march\u00e9s financiers (AMF), le score en mati\u00e8re de <\/span><a href=\"https:\/\/www.protegez-vous.ca\/nouvelles\/affaires-et-societe\/litteratie-financiere-a-peine-la-note-de-passage\"><span data-contrast=\"none\">litt\u00e9ratie financi\u00e8re des Qu\u00e9b\u00e9cois se maintient \u00e0 54\u202f%\u2009?<\/span><\/a><span data-contrast=\"auto\"> C\u2019est une note plut\u00f4t moyenne qui d\u00e9montre que beaucoup de gens ne comprennent pas tr\u00e8s bien leurs finances personnelles. La liste de questions que la population en g\u00e9n\u00e9rale pourrait avoir est tr\u00e8s longue. N\u00e9anmoins, voici des r\u00e9ponses pour sept questions financi\u00e8res courantes.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">1. Qu\u2019est-ce qu\u2019un budget r\u00e9aliste\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:360}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il existe diff\u00e9rents types de budgets, et c\u2019est \u00e0 vous de les tester pour trouver celui qui est le mieux adapt\u00e9 \u00e0 votre style de vie et votre situation.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">De fa\u00e7on g\u00e9n\u00e9rale, pour l\u2019habitation, on parle d\u2019environ 25\u202f%. Vos frais de transport, id\u00e9alement, ne devraient pas d\u00e9passer la barre des 20\u202f%. Pour la nourriture, le pourcentage devrait repr\u00e9senter environ 10 \u00e0 15\u202f% de vos revenus. Si vous avez des dettes, un budget balanc\u00e9 y alloue environ 15\u202f%. Finalement, 10\u202f% devraient aller \u00e0 l\u2019\u00e9pargne. La balance peut vous servir pour des activit\u00e9s de loisirs et des d\u00e9penses non essentielles.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bien s\u00fbr, cela n\u2019est qu\u2019une indication des proportions g\u00e9n\u00e9rales de vos finances personnelles. Si vous n\u2019avez pas de voiture, mais habitez au centre-ville, le co\u00fbt de votre transport sera moins \u00e9lev\u00e9, mais votre loyer pourrait repr\u00e9senter une portion plus importante de votre budget.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">De plus, si votre niveau d\u2019endettement est tr\u00e8s \u00e9lev\u00e9, il est possible que vous deviez augmenter ce pourcentage de fa\u00e7on significative.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">2. Quand devrais-je emprunter\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:360}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Un pr\u00eat est un engagement et n\u2019est pas \u00e0 prendre \u00e0 la l\u00e9g\u00e8re. Id\u00e9alement, vous devriez emprunter en cas d\u2019urgence, ou lorsqu\u2019un achat n\u00e9cessaire est trop dispendieux pour que vous puissiez \u00e9conomiser le montant total. Par exemple, vous pourriez emprunter pour\u202f:<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\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;335559684&quot;:-2,&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\"><span data-contrast=\"auto\">Une maison<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Une voiture<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Une r\u00e9paration de voiture<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">D\u00e9marrer une entreprise<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Lorsque possible, pr\u00e9voyez le coup et \u00e9conomisez les fonds n\u00e9cessaires pour \u00e9viter d\u2019emprunter. Par exemple, pour une maison, il est sage d\u2019\u00e9conomiser au moins pour une bonne mise de fonds, afin de demander un pr\u00eat hypoth\u00e9caire moins \u00e9lev\u00e9. Lorsque des situations d\u2019urgence se pr\u00e9sentent, comme un bris de voiture, si vous n\u2019avez pas de fonds d\u2019urgence ni de bon cr\u00e9dit, pensez \u00e0 faire un <\/span><a href=\"https:\/\/www.argentmaintenant.com\/faq\/\"><span data-contrast=\"none\">pr\u00eat en ligne<\/span><\/a><span data-contrast=\"auto\"> pour vous d\u00e9panner.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">3. Jusqu\u2019o\u00f9 puis-je m\u2019endetter\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:360}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Des gens tr\u00e8s fortun\u00e9s ont des chiffres de dette \u00e0 donner des cauchemars. Toutefois, ils ont \u00e9galement des revenus qui permettent de compenser ces dettes. La raison est simple\u202f: en mati\u00e8re de dettes, l\u2019important est le ratio d\u2019endettement plut\u00f4t que la somme totale.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En mati\u00e8re de chiffre, un endettement de moins de 30\u202f% par rapport \u00e0 votre revenu est excellent. Cela inclut tous les remboursements de pr\u00eat, qu\u2019on parle d\u2019une hypoth\u00e8que ou d\u2019une carte de cr\u00e9dit. Si le pourcentage se situe entre 30\u202f% et 36\u202f%, il est consid\u00e9r\u00e9 comme raisonnable. Si votre taux d\u2019endettement s\u2019approche des 40\u202f% ou m\u00eame d\u00e9passe ce cap, vous aurez du mal \u00e0 recevoir un pr\u00eat suppl\u00e9mentaire.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous n\u2019\u00eates pas certains de votre taux d\u2019endettement, <\/span><a href=\"https:\/\/itools-ioutils.fcac-acfc.gc.ca\/yft-vof\/fra\/credit-1-7.aspx\"><span data-contrast=\"none\">vous pouvez le calculer ici\u2009!<\/span><\/a><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">De fa\u00e7on g\u00e9n\u00e9rale, si vous devez sauter certains paiements, que vos cartes de cr\u00e9dit sont pleines, que vous vivez de pain en paie et que vous ne r\u00e9alisez que les paiements minimums, votre ratio d\u2019endettement est trop \u00e9lev\u00e9.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">4. Est-ce dramatique si je ne paie pas ma carte de cr\u00e9dit chaque mois\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:360}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Oui, c\u2019est dramatique et voici pourquoi\u202f:<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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\"><span data-contrast=\"auto\">Ne pas effectuer votre paiement minimum influe n\u00e9gativement sur votre cote de cr\u00e9dit.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Vous avez besoin d\u2019une bonne cote de cr\u00e9dit pour\u202f:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:1440}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><span data-contrast=\"auto\">Avoir un pr\u00eat<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"2\"><span data-contrast=\"auto\">Louer un logement<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"2\"><span data-contrast=\"auto\">Louer ou acheter une voiture<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"2\"><span data-contrast=\"auto\">Avoir un bon taux d\u2019int\u00e9r\u00eat, et beaucoup plus<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Assurez-vous d\u2019effectuer au moins le paiement minimum chaque mois, puis ajustez votre budget pour en payer un peu plus. Id\u00e9alement, n\u2019utilisez pas plus de 30\u202f% de votre limite de cr\u00e9dit.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">5. Combien devrais-je avoir dans mon fonds d\u2019urgences\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:360}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Un <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/budget\/comment-creer-un-fonds-durgence-personnel-en-5-etapes\/\"><span data-contrast=\"none\">fonds d\u2019urgence<\/span><\/a><span data-contrast=\"auto\"> devrait couvrir un minimum de 3\u202fmois de d\u00e9penses, id\u00e9alement 6\u202fmois. Si vous n\u2019avez pas ce montant mis de c\u00f4t\u00e9, ne soyez pas stress\u00e9. Travaillez dans ce but et mettez-en un peu de c\u00f4t\u00e9 chaque jour de paie. Si un impr\u00e9vu survient avant que vous n\u2019ayez rassembl\u00e9 toutes les sommes, vous pourrez toujours demander la balance du montant \u00e0 vos proches ou faire une demande de pr\u00eat rapide.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bien que chacun devrait avoir un fonds d\u2019urgence, il est plus important pour certains d\u2019en avoir un que d\u2019autres. Une personne seule et d\u00e9brouillarde sera plus en mesure de trouver des solutions en cas de besoin qu\u2019un p\u00e8re de famille avec une hypoth\u00e8que \u00e0 payer.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">6. Combien dois-je \u00e9conomiser pour une mise de fonds\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:360}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Lorsque vous empruntez pour une maison, la mise de fonds varie entre 5\u202f% et 20\u202f% du prix d\u2019achat.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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\"><span data-contrast=\"auto\">Pour une maison au prix d\u2019achat de 500\u2009000\u202f$ ou moins, la mise de fonds minimum est de 5\u202f% du prix d\u2019achat.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Pour une maison au prix d\u2019achat entre 500\u2009000\u202f$ et 999\u2009999\u202f$, la mise de fonds minimum est de 5\u202f% pour la premi\u00e8re tranche de 500\u2009000\u202f$ du prix d\u2019achat, puis de 10\u202f% du reste du prix d\u2019achat qui d\u00e9passe la tranche de 500\u2009000\u202f$.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&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\"><span data-contrast=\"auto\">Pour une maison au prix d\u2019achat d\u2019un million ou plus, la mise de fonds minimum est de 20\u202f% du prix d\u2019achat.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si votre mise de fonds est de moins de 20\u202f%, vous devez avoir une assurance pr\u00eat hypoth\u00e9caire. Vous pourriez avoir besoin de cette assurance m\u00eame avec une mise de fonds de 20\u202f% si vous avez un mauvais cr\u00e9dit ou si vous \u00eates travailleur autonome.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">7. \u00c0 partir de quand dois-je \u00e9conomiser pour la retraite\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:360}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il n\u2019est jamais trop t\u00f4t pour commencer \u00e0 \u00e9conomiser pour la retraite. Plus t\u00f4t vous d\u00e9butez, plus d\u2019int\u00e9r\u00eat vous accumulez, et plus d\u2019argent vous avez \u00e0 la fin. De plus, les REER peuvent servir si vous faites un retour aux \u00e9tudes ou pour financer l\u2019achat d\u2019une maison. Vous n\u2019avez donc pas \u00e0 h\u00e9siter \u00e0 commencer \u00e0 \u00e9pargner pour votre retraite, de peur d\u2019avoir besoin de cet argent plus t\u00f4t.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il y a autant de questions en mati\u00e8re de finance personnelle qu\u2019il y a d\u2019individu\u2009! En cas de doute, n\u2019h\u00e9sitez jamais \u00e0 demander les conseils d\u2019un expert.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le monde des finances n\u2019est pas des plus simples\u2009! D\u2019ailleurs, saviez-vous que, selon l\u2019Autorit\u00e9 des march\u00e9s financiers (AMF), le score [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":983,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-981","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>Sept r\u00e9ponses aux questions financi\u00e8res les plus demand\u00e9es<\/title>\n<meta name=\"description\" content=\"Le monde des finances n\u2019est pas des plus simples\u2009! 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