{"id":184,"date":"2016-08-29T13:32:12","date_gmt":"2016-08-29T13:32:12","guid":{"rendered":"https:\/\/teamlevine.ca\/?p=184"},"modified":"2019-09-24T16:39:45","modified_gmt":"2019-09-24T20:39:45","slug":"les-bases-de-lhypotheque-tout-ce-que-vous-devez-savoir-sur-la-marge-de-credit-hypothecaire","status":"publish","type":"post","link":"https:\/\/teamlevine.ca\/fr\/les-bases-de-lhypotheque-tout-ce-que-vous-devez-savoir-sur-la-marge-de-credit-hypothecaire\/","title":{"rendered":"Les bases de l\u2019hypoth\u00e8que: Tout ce que vous devez savoir sur la marge de cr\u00e9dit hypoth\u00e9caire"},"content":{"rendered":"<p><\/p>\n<p>Une ligne de cr\u00e9dit sur valeur domiciliaire (LDCVD) est une ligne de financement attach\u00e9e \u00e0 votre propri\u00e9t\u00e9. \u201cFonds propres\u201d fait r\u00e9f\u00e9rence \u00e0 la diff\u00e9rence entre la balance impay\u00e9e de votre hypoth\u00e8que et la valeur du march\u00e9 de votre propri\u00e9t\u00e9. Une LDCVD vous permet d\u2019acc\u00e9der \u00e0 ces fonds propres \u00e0 un meilleur taux d\u2019int\u00e9r\u00eat qu\u2019une ligne de cr\u00e9dit classique. Voici quelques trucs \u00e0 consid\u00e9rer si vous pensez \u00e0 faire une demande de ligne de cr\u00e9dit sur valeur domiciliaire.<\/p>\n<p><strong>Comment fonctionne une ligne de cr\u00e9dit sur valeur domiciliaire<\/strong><\/p>\n<p>Une LDCVD est similaire \u00e0 une ligne de cr\u00e9dit classique. Au Canada, le montant maximum que vous pouvez obtenir gr\u00e2ce \u00e0 une LDCVD est de 65% de la valeur estim\u00e9e de votre propri\u00e9t\u00e9. Le montant total d\u2019une LDCVD n\u2019est pas fourni \u00e0 l\u2019avance\u2014\u00e0 la place, vous empruntez autant d\u2019argent de votre LDCVD que vous voulez et payez les int\u00e9r\u00eats seulement sur le montant que vous empruntez. Comme une ligne de cr\u00e9dit classique, vous pouvez rembourser votre LDCVD et emprunter \u00e0 nouveau. Une LDCVD peut \u00eatre combin\u00e9e avec votre hypoth\u00e8que pour jusqu\u2019\u00e0 80% de la valeur estim\u00e9e de votre propri\u00e9t\u00e9.<\/p>\n<p><strong>Taux d\u2019int\u00e9r\u00eat d\u2019une ligne de cr\u00e9dit sur valeur domiciliaire<\/strong><\/p>\n<p>Une des choses les plus importantes \u00e0 se rappeler concernant une LDCVD est qu\u2019elle est attach\u00e9e au taux pr\u00e9f\u00e9rentiel. Cela signifie que votre taux d\u2019int\u00e9r\u00eat associ\u00e9 \u00e0 votre LDCVD variera en fonction du taux pr\u00e9f\u00e9rentiel. Une LDCVD peut avoir un taux plus \u00e9lev\u00e9 qu\u2019une hypoth\u00e8que classique d\u00fb \u00e0 sa commodit\u00e9 et versatilit\u00e9. Cependant, une LDCVD fonctionne exactement comme une carte de cr\u00e9dit de sorte que vous n&rsquo;aurez pas de paiements suppl\u00e9mentaires une fois que vous avez pay\u00e9 le solde de votre capital emprunt\u00e9.<\/p>\n<p>Une LDCVD est un outil financier utile d&rsquo;avoir \u00e0 votre disposition si et quand vous en avez besoin. Contrairement au refinancement, vous n&rsquo;avez pas besoin de casser votre hypoth\u00e8que afin de mettre en place une LDCVD, donc il n&rsquo;y a pas de p\u00e9nalit\u00e9 hypoth\u00e9caire associ\u00e9e \u00e0 l&rsquo;ouverture LDCVD. Pour plus d&rsquo;informations sur les lignes de cr\u00e9dit sur valeur domiciliaires, <a href=\"https:\/\/teamlevine.ca\/fr\/contactez-nous\/\">contactez<\/a> \u00c9quipe Levine aujourd&rsquo;hui.<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Une ligne de cr\u00e9dit sur valeur domiciliaire (LDCVD) est une ligne de financement attach\u00e9e \u00e0 votre propri\u00e9t\u00e9. \u201cFonds propres\u201d fait r\u00e9f\u00e9rence \u00e0 la diff\u00e9rence entre la balance impay\u00e9e de votre hypoth\u00e8que et la valeur du march\u00e9 de votre propri\u00e9t\u00e9. Une LDCVD vous permet d\u2019acc\u00e9der \u00e0 ces fonds propres \u00e0 un meilleur taux d\u2019int\u00e9r\u00eat qu\u2019une ligne [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":880,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-184","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Team 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-everything-you-need-to-know-about-home-equity-lines-of-credit\/\" \/>\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\" content=\"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Team Levine\" \/>\n<meta property=\"article:published_time\" content=\"2016-08-29T13:32:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-09-24T20:39:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/teamlevine.ca\/wp-content\/uploads\/2016\/08\/bigstock-Heloc-home-Equity-Line-139773152.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"783\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Wisdek\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Wisdek\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/\"},\"author\":{\"name\":\"Wisdek\",\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/#\\\/schema\\\/person\\\/f6a44977168645bb5ea7d7b029cf0cf1\"},\"headline\":\"Les bases de l\u2019hypoth\u00e8que: Tout ce que vous devez savoir sur la marge de cr\u00e9dit hypoth\u00e9caire\",\"datePublished\":\"2016-08-29T13:32:12+00:00\",\"dateModified\":\"2019-09-24T20:39:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/\"},\"wordCount\":764,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/teamlevine.ca\\\/wp-content\\\/uploads\\\/2016\\\/08\\\/bigstock-Heloc-home-Equity-Line-139773152.jpg\",\"articleSection\":[\"Cr\u00e9dit\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/\",\"url\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/\",\"name\":\"Team Levine\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/teamlevine.ca\\\/wp-content\\\/uploads\\\/2016\\\/08\\\/bigstock-Heloc-home-Equity-Line-139773152.jpg\",\"datePublished\":\"2016-08-29T13:32:12+00:00\",\"dateModified\":\"2019-09-24T20:39:45+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/#\\\/schema\\\/person\\\/f6a44977168645bb5ea7d7b029cf0cf1\"},\"description\":\"Team Levine\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/#primaryimage\",\"url\":\"https:\\\/\\\/teamlevine.ca\\\/wp-content\\\/uploads\\\/2016\\\/08\\\/bigstock-Heloc-home-Equity-Line-139773152.jpg\",\"contentUrl\":\"https:\\\/\\\/teamlevine.ca\\\/wp-content\\\/uploads\\\/2016\\\/08\\\/bigstock-Heloc-home-Equity-Line-139773152.jpg\",\"width\":783,\"height\":600,\"caption\":\"HELOC (Home Equity Line of Credit) Businessman at work. Close-up top view of man working on laptop while sitting at the wooden desk coffee\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/teamlevine.ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mortgage Basics: Everything You Need to Know About Home Equity Lines of Credit\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/#website\",\"url\":\"https:\\\/\\\/teamlevine.ca\\\/\",\"name\":\"Team Levine\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/teamlevine.ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/teamlevine.ca\\\/#\\\/schema\\\/person\\\/f6a44977168645bb5ea7d7b029cf0cf1\",\"name\":\"Wisdek\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5ec877ba4eac3cd30591b750ef50287758cd5c6740371da1db2a840ee49fd46a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5ec877ba4eac3cd30591b750ef50287758cd5c6740371da1db2a840ee49fd46a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5ec877ba4eac3cd30591b750ef50287758cd5c6740371da1db2a840ee49fd46a?s=96&d=mm&r=g\",\"caption\":\"Wisdek\"},\"url\":\"https:\\\/\\\/teamlevine.ca\\\/fr\\\/author\\\/admin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Team Levine","description":"Team Levine","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/","og_locale":"fr_FR","og_type":"article","og_title":"Team Levine","og_description":"Team Levine","og_url":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/","og_site_name":"Team Levine","article_published_time":"2016-08-29T13:32:12+00:00","article_modified_time":"2019-09-24T20:39:45+00:00","og_image":[{"width":783,"height":600,"url":"https:\/\/teamlevine.ca\/wp-content\/uploads\/2016\/08\/bigstock-Heloc-home-Equity-Line-139773152.jpg","type":"image\/jpeg"}],"author":"Wisdek","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Wisdek","Dur\u00e9e de lecture estim\u00e9e":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/#article","isPartOf":{"@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/"},"author":{"name":"Wisdek","@id":"https:\/\/teamlevine.ca\/#\/schema\/person\/f6a44977168645bb5ea7d7b029cf0cf1"},"headline":"Les bases de l\u2019hypoth\u00e8que: Tout ce que vous devez savoir sur la marge de cr\u00e9dit hypoth\u00e9caire","datePublished":"2016-08-29T13:32:12+00:00","dateModified":"2019-09-24T20:39:45+00:00","mainEntityOfPage":{"@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/"},"wordCount":764,"commentCount":0,"image":{"@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/teamlevine.ca\/wp-content\/uploads\/2016\/08\/bigstock-Heloc-home-Equity-Line-139773152.jpg","articleSection":["Cr\u00e9dit"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/","url":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/","name":"Team Levine","isPartOf":{"@id":"https:\/\/teamlevine.ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/#primaryimage"},"image":{"@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/#primaryimage"},"thumbnailUrl":"https:\/\/teamlevine.ca\/wp-content\/uploads\/2016\/08\/bigstock-Heloc-home-Equity-Line-139773152.jpg","datePublished":"2016-08-29T13:32:12+00:00","dateModified":"2019-09-24T20:39:45+00:00","author":{"@id":"https:\/\/teamlevine.ca\/#\/schema\/person\/f6a44977168645bb5ea7d7b029cf0cf1"},"description":"Team Levine","breadcrumb":{"@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/#primaryimage","url":"https:\/\/teamlevine.ca\/wp-content\/uploads\/2016\/08\/bigstock-Heloc-home-Equity-Line-139773152.jpg","contentUrl":"https:\/\/teamlevine.ca\/wp-content\/uploads\/2016\/08\/bigstock-Heloc-home-Equity-Line-139773152.jpg","width":783,"height":600,"caption":"HELOC (Home Equity Line of Credit) Businessman at work. Close-up top view of man working on laptop while sitting at the wooden desk coffee"},{"@type":"BreadcrumbList","@id":"https:\/\/teamlevine.ca\/mortgage-basics-everything-you-need-to-know-about-home-equity-lines-of-credit\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/teamlevine.ca\/"},{"@type":"ListItem","position":2,"name":"Mortgage Basics: Everything You Need to Know About Home Equity Lines of Credit"}]},{"@type":"WebSite","@id":"https:\/\/teamlevine.ca\/#website","url":"https:\/\/teamlevine.ca\/","name":"Team Levine","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/teamlevine.ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/teamlevine.ca\/#\/schema\/person\/f6a44977168645bb5ea7d7b029cf0cf1","name":"Wisdek","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/5ec877ba4eac3cd30591b750ef50287758cd5c6740371da1db2a840ee49fd46a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5ec877ba4eac3cd30591b750ef50287758cd5c6740371da1db2a840ee49fd46a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5ec877ba4eac3cd30591b750ef50287758cd5c6740371da1db2a840ee49fd46a?s=96&d=mm&r=g","caption":"Wisdek"},"url":"https:\/\/teamlevine.ca\/fr\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/posts\/184","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/comments?post=184"}],"version-history":[{"count":3,"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/posts\/184\/revisions"}],"predecessor-version":[{"id":881,"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/posts\/184\/revisions\/881"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/media\/880"}],"wp:attachment":[{"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/media?parent=184"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/categories?post=184"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/teamlevine.ca\/fr\/wp-json\/wp\/v2\/tags?post=184"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}