{"id":178,"date":"2016-06-27T12:29:03","date_gmt":"2016-06-27T12:29:03","guid":{"rendered":"https:\/\/teamlevine.ca\/?p=178"},"modified":"2017-03-16T08:23:50","modified_gmt":"2017-03-16T08:23:50","slug":"principes-hypothecaires-hypotheque-variable-versus-hypotheque-taux-fixe","status":"publish","type":"post","link":"https:\/\/teamlevine.ca\/fr\/principes-hypothecaires-hypotheque-variable-versus-hypotheque-a-taux-fixe\/","title":{"rendered":"Principes hypoth\u00e9caires: hypoth\u00e8que variable versus hypoth\u00e8que \u00e0 taux fixe"},"content":{"rendered":"

<\/p>\n

Avant d’entrer dans le monde de l\u2019immobilier, vous devriez vous informer sur quelques notions de base de l’hypoth\u00e8que. Une des premi\u00e8res questions que vous allez rencontrer en tant qu\u2019acheteur de propri\u00e9t\u00e9 est le choix entre une hypoth\u00e8que \u00e0 taux fixe ou variable. Si vous choisissez un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe, votre paiement mensuel restera le m\u00eame pour la dur\u00e9e de votre contrat.<\/p>\n

Un pr\u00eat hypoth\u00e9caire \u00e0 taux variable, par contre, change avec le taux pr\u00e9f\u00e9rentiel fix\u00e9 par votre pr\u00eateur. Voici quelques concepts de base qui vous aideront \u00e0 d\u00e9cider entre un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe ou variable.<\/p>\n

Gestion des risques<\/strong><\/p>\n

L’aspect attrayant principal des pr\u00eats hypoth\u00e9caires \u00e0 taux variables ou ajustables est que le taux d’int\u00e9r\u00eat est g\u00e9n\u00e9ralement inf\u00e9rieur \u00e0 celui des pr\u00eats hypoth\u00e9caires \u00e0 taux fixe. Cependant, le revers de cet avantage est le risque qu’il implique- les taux d’int\u00e9r\u00eat peuvent augmenter ou diminuer sans avertissement. De l\u2019autre c\u00f4t\u00e9, l’option \u00e0 taux fixe co\u00fbte g\u00e9n\u00e9ralement plus, mais offre une stabilit\u00e9 qu\u2019une hypoth\u00e8que \u00e0 taux variable ne peut pas garantir. Avant de choisir l’un ou l’autre, il est important de comprendre l\u2019impact que votre hypoth\u00e8que aura sur votre revenu et votre mode de vie.<\/p>\n

Si vous voulez trouver les taux hypoth\u00e9caires les plus bas et vous avez le revenu potentiel pour g\u00e9rer un march\u00e9 fluctuant, un pr\u00eat hypoth\u00e9caire \u00e0 taux variable pourra vous convenir. Si vous avez un revenu fixe et vous voulez des paiements hypoth\u00e9caires plus stables, un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe est probablement la meilleure option pour vous.<\/p>\n

Lequel est le plus populaire?<\/strong><\/p>\n

En gros, les pr\u00eats hypoth\u00e9caires \u00e0 taux fixe sont plus fr\u00e9quents, avec environ 66% des Canadiens choisissant les pr\u00eats hypoth\u00e9caires \u00e0 taux fixe. Toutefois, une partie importante des propri\u00e9taires (29%) choisissent une hypoth\u00e8que \u00e0 taux variable. Les pr\u00eats hypoth\u00e9caires \u00e0 taux ajustables peuvent faire plus de sens pour les propri\u00e9taires exp\u00e9riment\u00e9s ou des personnes ayant une certaine quantit\u00e9 de revenu en surplus. Les pr\u00eats hypoth\u00e9caires \u00e0 taux fixe peuvent \u00eatre plus pratiques pour les acheteurs de premi\u00e8re maison, tels que les gens qui cherchent \u00e0 fonder une famille.<\/p>\n

Les deux types de pr\u00eats hypoth\u00e9caires ont leurs avantages et leurs inconv\u00e9nients. Il est important de choisir l’option hypoth\u00e9caire qui fait le plus de sens pour votre situation. Si vous avez besoin d’aide pour choisir un pr\u00eat hypoth\u00e9caire ou trouver les meilleurs taux,\u00a0contactez-nous<\/a>\u00a0chez \u00c9quipe Levine pour un service d\u2019hypoth\u00e8que professionnel et courtois. Nous serons avec vous \u00e0 chaque \u00e9tape du chemin.<\/p>\n

<\/p>","protected":false},"excerpt":{"rendered":"

D\u00e9sol\u00e9, cet article est seulement disponible en English<\/a>.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-178","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nTeam Levine<\/title>\n<meta name=\"description\" content=\"Team Levine\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teamlevine.ca\/mortgage-basics-variable-versus-fixed-rate-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Team Levine\" \/>\n<meta property=\"og:description\" content=\"Team Levine\" \/>\n<meta property=\"og:url\" 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