{"id":190,"date":"2016-10-11T13:56:43","date_gmt":"2016-10-11T13:56:43","guid":{"rendered":"https:\/\/teamlevine.ca\/?p=190"},"modified":"2019-09-24T16:37:07","modified_gmt":"2019-09-24T20:37:07","slug":"quelques-conseils-sur-le-refinancement-de-votre-maison","status":"publish","type":"post","link":"https:\/\/teamlevine.ca\/fr\/quelques-conseils-sur-le-refinancement-de-votre-maison\/","title":{"rendered":"Quelques conseils sur le refinancement de votre maison"},"content":{"rendered":"<p><\/p>\n<p>Le refinancement de votre pr\u00eat hypoth\u00e9caire est un excellent moyen de consolider et de rembourser vos dettes, de faire quelques r\u00e9novations n\u00e9cessaires, ou m\u00eame de payer les frais de scolarit\u00e9. Alors que le refinancement est g\u00e9n\u00e9ralement un processus facile et utile, il est toujours important que vous \u00eates pleinement inform\u00e9s avant de d\u00e9cider comment proc\u00e9der avec vos options hypoth\u00e9caires. Voici tout ce que vous devez savoir sur le refinancement de votre pr\u00eat hypoth\u00e9caire au Canada.<\/p>\n<p><strong>Qu&rsquo;est-ce que le refinancement ?<\/strong><\/p>\n<p>Le refinancement vous permet de rembourser votre pr\u00eat hypoth\u00e9caire actuel et de le remplacer par un nouveau pr\u00eat. Si vous avez au moins 20% d&rsquo;\u00e9quit\u00e9 dans votre propri\u00e9t\u00e9, vous \u00eates \u00e9ligible au refinancement. Le refinancement vous permet de rembourser vos dettes et mettre de l&rsquo;argent vers les travaux de r\u00e9novation, l\u2019achat de nouveaux biens, ou les frais de scolarit\u00e9; il vous donne aussi la possibilit\u00e9 de trouver un taux hypoth\u00e9caire plus comp\u00e9titif pour votre maison actuelle.<\/p>\n<p><strong>P\u00e9nalit\u00e9s hypoth\u00e9caires<\/strong><\/p>\n<p>Une chose \u00e0 consid\u00e9rer avant de refinancer votre maison est la possibilit\u00e9 de p\u00e9nalit\u00e9s hypoth\u00e9caires. Celles-ci sont des p\u00e9nalit\u00e9s associ\u00e9es \u00e0 la fermeture d\u2019un pr\u00eat hypoth\u00e9caire avant une p\u00e9riode de temps pr\u00e9d\u00e9termin\u00e9e.<\/p>\n<p><strong>Le refinancement versus une ligne de cr\u00e9dit sur valeur domiciliaire<\/strong><\/p>\n<p>Le refinancement de votre pr\u00eat hypoth\u00e9caire ne doit pas \u00eatre confondu avec une ligne de cr\u00e9dit sur valeur domiciliaire (LDCVD). Une LDCVD vous permet d&#8217;emprunter des capitaux propres de votre propri\u00e9t\u00e9 et de les rembourser, semblable \u00e0 la fa\u00e7on dont vous utilisez une ligne de cr\u00e9dit ordinaire. Le refinancement est essentiellement une \u00ab\u00a0 r\u00e9-hypoth\u00e8que,\u00a0\u00bb vous permettant g\u00e9n\u00e9ralement d&rsquo;acc\u00e9der \u00e0 des taux d&rsquo;int\u00e9r\u00eat inf\u00e9rieurs \u00e0 ceux d&rsquo;une LDCVD. Ni solution n\u2019est meilleure ou pire que l&rsquo;autre; ils ont tous deux leurs avantages et l&rsquo;option qui vous convient le mieux d\u00e9pend de votre situation financi\u00e8re particuli\u00e8re.<\/p>\n<p>Beaucoup de propri\u00e9taires choisissent de refinancer leurs propri\u00e9t\u00e9s pour une vari\u00e9t\u00e9 de raisons. Si vous \u00eates int\u00e9ress\u00e9 par le refinancement de votre maison, parlez \u00e0 un de nos experts hypoth\u00e9caires chez\u00a0\u00c9quipe Levine. Nous pouvons vous guider \u00e0 travers le processus de refinancement du d\u00e9but \u00e0 la fin et r\u00e9pondre \u00e0 toute question que vous pourriez avoir en vous aidant \u00e0 obtenir le meilleur taux possible. Pour plus d&rsquo;informations sur nos services de refinancement, contactez-nous d\u00e8s aujourd&rsquo;hui !<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Le refinancement de votre pr\u00eat hypoth\u00e9caire est un excellent moyen de consolider et de rembourser vos dettes, de faire quelques r\u00e9novations n\u00e9cessaires, ou m\u00eame de payer les frais de scolarit\u00e9. Alors que le refinancement est g\u00e9n\u00e9ralement un processus facile et utile, il est toujours important que vous \u00eates pleinement inform\u00e9s avant de d\u00e9cider comment proc\u00e9der [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":874,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"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\" 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