{"id":14302,"date":"2024-06-02T11:12:08","date_gmt":"2024-06-02T11:12:08","guid":{"rendered":"https:\/\/hypothequerapide.com\/?page_id=14302"},"modified":"2024-06-26T02:24:08","modified_gmt":"2024-06-26T02:24:08","slug":"les-taux","status":"publish","type":"page","link":"https:\/\/hypothequerapide.com\/fr\/les-taux","title":{"rendered":"Les taux"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"14302\" class=\"elementor elementor-14302\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a773101 e-flex e-con-boxed e-con e-parent\" data-id=\"a773101\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bb2baa elementor-widget elementor-widget-heading\" data-id=\"4bb2baa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comprendre les diff\u00e9rents taux hypoth\u00e9caires<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46d6b4d e-flex e-con-boxed e-con e-parent\" data-id=\"46d6b4d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4a2664a e-con-full e-flex e-con e-child\" data-id=\"4a2664a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b5423cb e-flex e-con-boxed e-con e-child\" data-id=\"b5423cb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4548a6e elementor-widget elementor-widget-heading\" data-id=\"4548a6e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"underline\">Obtenir le meilleur taux<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1b6922 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b1b6922\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Taux fixe et taux variable; terme de 1, 3, 5 ou 10 ans; p\u00e9riode d\u2019amortissement; pr\u00eat ferm\u00e9 ou pr\u00eat ouvert : voil\u00e0 autant de notions que vous aurez \u00e0 bien comprendre avant de signer un contrat hypoth\u00e9caire.<\/p><p>Voici comment vous y retrouver\u2026 et comment obtenir le meilleur taux gr\u00e2ce \u00e0 Multi-Pr\u00eats!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09a64e4 elementor-widget elementor-widget-text-editor\" data-id=\"09a64e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEn date du 17\/04\/26\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b34223 e-flex e-con-boxed e-con e-child\" data-id=\"8b34223\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a57e2c4 elementor-widget elementor-widget-html\" data-id=\"a57e2c4\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<input type=\"checkbox\" id=\"toggle_popup\" class=\"toggleCheckbox\" \/>\n<label for=\"toggle_popup\" class=\"toggleContainer\">\n <div>Taux fixe<\/div> \n <div>Taux variable<\/div>\n<\/label>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e18a839 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e18a839\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c7e69d e-flex e-con-boxed e-con e-child\" data-id=\"2c7e69d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f84191e e-con-full e-flex e-con e-child\" data-id=\"f84191e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-203cac8 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"203cac8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Taux hypoth\u00e9caire du jour<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aac5fd3 e-con-full e-flex e-con e-child\" data-id=\"aac5fd3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cdc7903 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"cdc7903\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Taux Multi-Pr\u00eats<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a91fc47 popup_fixed e-flex e-con-boxed e-con e-child\" data-id=\"a91fc47\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8f69fdd e-con-full e-flex e-con e-child\" data-id=\"8f69fdd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32bfadd elementor-widget elementor-widget-text-editor\" data-id=\"32bfadd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_1y_f_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c8935e e-con-full e-flex e-con e-child\" data-id=\"6c8935e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23fe93f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"23fe93f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb14bb0 e-con-full e-flex e-con e-child\" data-id=\"cb14bb0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d6d092 elementor-widget elementor-widget-text-editor\" data-id=\"7d6d092\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>1 an fixe<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3235270 e-con-full e-flex e-con e-child\" data-id=\"3235270\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5344563 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5344563\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e9c306 e-con-full e-flex e-con e-child\" data-id=\"2e9c306\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7d41c6 elementor-widget elementor-widget-text-editor\" data-id=\"b7d41c6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_1y_f\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7afe82 popup_fixed e-flex e-con-boxed e-con e-child\" data-id=\"c7afe82\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-634e5d8 e-con-full e-flex e-con e-child\" data-id=\"634e5d8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0659bd elementor-widget elementor-widget-text-editor\" data-id=\"f0659bd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_3y_f_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d512cb e-con-full e-flex e-con e-child\" data-id=\"3d512cb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42387f4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"42387f4\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d93ab54 e-con-full e-flex e-con e-child\" data-id=\"d93ab54\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39a03b4 elementor-widget elementor-widget-text-editor\" data-id=\"39a03b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>3 ans fixe<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db9a0e7 e-con-full e-flex e-con e-child\" data-id=\"db9a0e7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e5ecf3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7e5ecf3\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bbd9ff3 e-con-full e-flex e-con e-child\" data-id=\"bbd9ff3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d922bf4 elementor-widget elementor-widget-text-editor\" data-id=\"d922bf4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_3y_f\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a28a25 popup_fixed e-flex e-con-boxed e-con e-child\" data-id=\"2a28a25\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a630241 e-con-full e-flex e-con e-child\" data-id=\"a630241\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c97dca5 elementor-widget elementor-widget-text-editor\" data-id=\"c97dca5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_5y_f_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f00208 e-con-full e-flex e-con e-child\" data-id=\"9f00208\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27a677d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"27a677d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9316905 e-con-full e-flex e-con e-child\" data-id=\"9316905\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3be78f1 elementor-widget elementor-widget-text-editor\" data-id=\"3be78f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>5 ans fixe<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef135c8 e-con-full e-flex e-con e-child\" data-id=\"ef135c8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4674032 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4674032\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ea4a8a e-con-full e-flex e-con e-child\" data-id=\"8ea4a8a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-566cf5e elementor-widget elementor-widget-text-editor\" data-id=\"566cf5e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_5y_f\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b430b8 popup_variable e-flex e-con-boxed e-con e-child\" data-id=\"1b430b8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a075214 e-con-full e-flex e-con e-child\" data-id=\"a075214\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8769a8 elementor-widget elementor-widget-text-editor\" data-id=\"a8769a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_5y_v_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-300faf3 e-con-full e-flex e-con e-child\" data-id=\"300faf3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68f48d5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"68f48d5\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a54adff e-con-full e-flex e-con e-child\" data-id=\"a54adff\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8eddc6 elementor-widget elementor-widget-text-editor\" data-id=\"f8eddc6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>5 ans variable<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a7eb02 e-con-full e-flex e-con e-child\" data-id=\"4a7eb02\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fbd91f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4fbd91f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fe138a e-con-full e-flex e-con e-child\" data-id=\"5fe138a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f034376 elementor-widget elementor-widget-text-editor\" data-id=\"f034376\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_5y_v\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe96a66 popup_fixed e-flex e-con-boxed e-con e-child\" data-id=\"fe96a66\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dece09d e-con-full e-flex e-con e-child\" data-id=\"dece09d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8166030 elementor-widget elementor-widget-text-editor\" data-id=\"8166030\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_7y_f_p\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-260eca9 e-con-full e-flex e-con e-child\" data-id=\"260eca9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8815fd8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8815fd8\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3978cb e-con-full e-flex e-con e-child\" data-id=\"f3978cb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a129a5b elementor-widget elementor-widget-text-editor\" data-id=\"a129a5b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>7 ans fixe<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eff8ef7 e-con-full e-flex e-con e-child\" data-id=\"eff8ef7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db15d12 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"db15d12\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d988648 e-con-full e-flex e-con e-child\" data-id=\"d988648\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-686316c elementor-widget elementor-widget-text-editor\" data-id=\"686316c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span id=\"rates_7y_f\">&#8211;<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b410d32 e-flex e-con-boxed e-con e-child\" data-id=\"b410d32\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c53df5a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c53df5a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#cta\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Obtenez votre taux<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08ab44a e-flex e-con-boxed e-con e-child\" data-id=\"08ab44a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5c67ca elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a5c67ca\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/hypothequerapide.com\/calculatrice-hypothecaire\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Utilisez notre calculatrice hypoth\u00e9caire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-651a1e2 e-flex e-con-boxed e-con e-parent\" data-id=\"651a1e2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01f314b elementor-widget elementor-widget-heading\" data-id=\"01f314b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"underline\">Taux fixe ou variable<\/span> : quelle est la meilleure option?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea0bfeb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ea0bfeb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bien que la popularit\u00e9 des hypoth\u00e8ques \u00e0 taux fixe ne se d\u00e9mente pas, peut-\u00eatre vous serait-il plus avantageux d\u2019envisager une hypoth\u00e8que \u00e0 taux variable. Explications.<\/p><p><strong>Taux fixe<\/strong><\/p><p>Une hypoth\u00e8que \u00e0 taux fixe garantit le m\u00eame taux d\u2019int\u00e9r\u00eat durant toute la dur\u00e9e du terme. Avec un taux fixe, vous vous assurez donc de payer toujours le m\u00eame montant pour rembourser capital et int\u00e9r\u00eats, peu importe le niveau de volatilit\u00e9 des march\u00e9s. Par exemple, si vous choisissez une hypoth\u00e8que \u00e0 taux fixe 5 ans \u00e0 4,94 %, votre taux d\u2019int\u00e9r\u00eat sera gel\u00e9 \u00e0 4,94 % durant 5 ans.<\/p><p><a href=\"https:\/\/www.cmhc-schl.gc.ca\/fr\/housing-observer-online\/2019-housing-observer\/new-publication-residential-mortgage-industry-report\" target=\"_blank\" rel=\"noopener\"><strong>Selon la SCHL, la majorit\u00e9 des Canadiens optent pour un taux fixe 5 ans.<\/strong><\/a><\/p><p><strong>Avantages<\/strong><\/p><ul><li>Risque faible : id\u00e9al pour ceux qui tol\u00e8rent mal le risque.<\/li><li>Facilite l\u2019\u00e9tablissement du budget<\/li><\/ul><p><strong>Inconv\u00e9nient<\/strong><\/p><ul><li>En g\u00e9n\u00e9ral, le taux fixe est plus \u00e9lev\u00e9 que le taux variable au moment de contracter l\u2019hypoth\u00e8que.<\/li><\/ul><p><strong>Taux variable<\/strong><\/p><p>De son c\u00f4t\u00e9, l\u2019hypoth\u00e8que \u00e0 taux variable suit les fluctuations du march\u00e9, du taux directeur et du taux cible du financement \u00e0 un jour de la Banque du Canada. Ainsi, d\u2019une journ\u00e9e \u00e0 l&#8217;autre, il peut descendre ou monter, influen\u00e7ant les mensualit\u00e9s.<\/p><p>Cependant, l\u2019augmentation du taux directeur (donc des taux d\u2019int\u00e9r\u00eat en g\u00e9n\u00e9ral) a rarement un impact majeur sur les taux variables. Pour illustrer ce propos, prenons l\u2019exemple d\u2019une augmentation du taux directeur de 0,25 % : pour une hypoth\u00e8que de 300 000 $, la mensualit\u00e9 subira une hausse de 36 $. Un montant plut\u00f4t n\u00e9gligeable pour la plupart.<\/p><p>Mais attention : l\u2019hypoth\u00e8que \u00e0 taux variable risque d\u2019\u00eatre moins profitable pour ceux qui acqui\u00e8rent une propri\u00e9t\u00e9 dont la valeur fr\u00f4le la limite de leurs capacit\u00e9s financi\u00e8res. Dans de tels cas, une augmentation du taux d\u2019int\u00e9r\u00eat pourrait poser un r\u00e9el probl\u00e8me.<\/p><p><strong>Avantages<\/strong><\/p><ul><li>Taux d\u2019int\u00e9r\u00eat g\u00e9n\u00e9ralement moins \u00e9lev\u00e9s que les taux fixes.<\/li><\/ul><p><strong>Inconv\u00e9nient<\/strong><\/p><ul><li>Risque plus \u00e9lev\u00e9 : puisque les taux fluctuent, il se pourrait que les taux variables d\u00e9passent les taux fixes durant votre terme.<\/li><li>Plus difficile \u00e0 budg\u00e9ter.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-07b730b e-flex e-con-boxed e-con e-parent\" data-id=\"07b730b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ebbedb7 e-con-full e-flex e-con e-child\" data-id=\"ebbedb7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-912dbd2 elementor-widget elementor-widget-heading\" data-id=\"912dbd2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Le terme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f96901 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5f96901\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le terme est la dur\u00e9e du contrat hypoth\u00e9caire en vigueur. Bien que le terme de 5 ans soit le plus populaire, vous pouvez le choisir entre 1 et 10 ans. Si le capital et les int\u00e9r\u00eats de votre hypoth\u00e8que ne sont pas rembours\u00e9s enti\u00e8rement \u00e0 l\u2019\u00e9ch\u00e9ance de votre terme, vous devrez renouveler votre hypoth\u00e8que.<\/p><p>\u00c0 la fin de votre terme, vous aurez la libert\u00e9 de renouveler votre hypoth\u00e8que avec votre institution financi\u00e8re actuelle ou encore de faire affaire avec un autre pr\u00eateur.<\/p><p><strong>L\u2019avantage Multi-Pr\u00eats<\/strong><\/p><p>Pensez \u00e0 contacter notre\u00a0<a href=\"https:\/\/hypothequerapide.com\/notre-blogue\/2022\/08\/08\/meilleur-courtier-hypoth%C3%A9caire\"><strong>\u00e9quipe de courtiers hypoth\u00e9caires<\/strong><\/a>\u00a0de l\u2019ouest de l\u2019\u00cele au moment de renouveler votre hypoth\u00e8que : nous n\u00e9gocierons pour vous les meilleures conditions et les meilleurs taux d\u2019int\u00e9r\u00eat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bb0bb6 e-con-full e-flex e-con e-child\" data-id=\"5bb0bb6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad844c0 elementor-widget elementor-widget-image\" data-id=\"ad844c0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration.jpg\" class=\"attachment-large size-large wp-image-11755\" alt=\"\" srcset=\"https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration.jpg 600w, https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0103ec8 bannerbutton elementor-widget elementor-widget-banca_btn\" data-id=\"0103ec8\" data-element_type=\"widget\" data-widget_type=\"banca_btn.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <a class=\"banca-ub-btn banca-ub-btn-normal banca-ub-btn-link elementor-button elementor-button-link elementor-size-xl ub-animation-left2right\" href=\"#cta\">\n                \n        <span class=\"elementor-button-content-wrapper\">\n            <span class=\"elementor-button-icon elementor-align-icon-left\">\n                            <\/span>\n            <span class=\"elementor-button-text\">\n                Obtenez des propositions hypoth\u00e9caires gratuites            <\/span>\n\t\t<\/span>\n                    <\/a>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b490332 e-flex e-con-boxed e-con e-parent\" data-id=\"b490332\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4863734 elementor-widget elementor-widget-heading\" data-id=\"4863734\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La  <span class=\"underline\">p\u00e9riode d\u2019amortissement<\/span>\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f641b0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7f641b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La p\u00e9riode d\u2019amortissement est le nombre d\u2019ann\u00e9es d\u00e9termin\u00e9 qui vous sera n\u00e9cessaire \u00e0 rembourser compl\u00e8tement votre pr\u00eat hypoth\u00e9caire (capital et int\u00e9r\u00eats). Celui-ci est indiqu\u00e9 sur votre contrat hypoth\u00e9caire. Certaines institutions financi\u00e8res permettent \u00e0 leurs clients d\u2019opter pour un amortissement s\u2019\u00e9tendant jusqu\u2019\u00e0 30 ans.<\/p><p>Notez que plus la p\u00e9riode d\u2019amortissement est longue, plus vous aurez la possibilit\u00e9 de minimiser vos mensualit\u00e9s (mais vous paierez plus d\u2019int\u00e9r\u00eats). \u00c0 l\u2019inverse, plus l\u2019amortissement est \u00e9tabli sur une courte p\u00e9riode, plus vos versements mensuels seront \u00e9lev\u00e9s (mais vous \u00e9conomiserez des sommes importantes en int\u00e9r\u00eats).<\/p><p>\u00c0 l\u2019\u00e9ch\u00e9ance de votre terme, il vous sera possible de revoir la p\u00e9riode d\u2019amortissement \u00e0 la baisse, au besoin.<\/p><p><strong>L\u2019avantage Multi-Pr\u00eats<\/strong><\/p><p>Nos courtiers vous aideront \u00e0 d\u00e9terminer la p\u00e9riode d\u2019amortissement id\u00e9ale. Notre objectif est que vous payiez le moins d\u2019int\u00e9r\u00eat possible, tout en ayant des mensualit\u00e9s qui respectent votre budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b75947d e-flex e-con-boxed e-con e-parent\" data-id=\"b75947d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f84f61c elementor-widget elementor-widget-heading\" data-id=\"f84f61c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">De quoi <span class=\"underline\">d\u00e9pend votre taux hypoth\u00e9caire<\/span>?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ad603a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9ad603a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Plusieurs facteurs influencent les taux hypoth\u00e9caires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-409c571 e-flex e-con-boxed e-con e-parent\" data-id=\"409c571\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e92833b e-con-full e-flex e-con e-child\" data-id=\"e92833b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1992ef elementor-widget elementor-widget-heading\" data-id=\"b1992ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">La situation \u00e9conomique<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc2ed8b elementor-widget elementor-widget-text-editor\" data-id=\"cc2ed8b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorsque l\u2019\u00e9conomie conna\u00eet une forte croissance, un plus grand nombre d\u2019entreprises souhaitent prendre de l\u2019expansion. Pour ce faire, elles ont besoin de financement, pour lequel elles se tournent vers les institutions financi\u00e8res. Fort sollicit\u00e9s, les pr\u00eateurs hypoth\u00e9caires ont alors la libert\u00e9 d\u2019exiger des taux d\u2019int\u00e9r\u00eat plus \u00e9lev\u00e9s aux emprunteurs, incluant les particuliers. \u00c0 l\u2019inverse, quand l\u2019\u00e9conomie ralentit, les demandes de pr\u00eats diminuent, ce qui fait descendre les taux.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43e67c7 e-con-full e-flex e-con e-child\" data-id=\"43e67c7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14176eb elementor-widget elementor-widget-heading\" data-id=\"14176eb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Les taux d\u2019int\u00e9r\u00eat ailleurs sur la plan\u00e8te<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5857f48 elementor-widget elementor-widget-text-editor\" data-id=\"5857f48\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019\u00e9conomie canadienne \u00e9tant li\u00e9e \u00e0 celle d\u2019autres puissances mondiales, comme les \u00c9tats-Unis, les taux d\u2019int\u00e9r\u00eat observ\u00e9s ailleurs sur la plan\u00e8te ont un impact direct sur les n\u00f4tres.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-07a7f5d e-flex e-con-boxed e-con e-parent\" data-id=\"07a7f5d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-468a190 e-con-full e-flex e-con e-child\" data-id=\"468a190\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e73ebf elementor-widget elementor-widget-heading\" data-id=\"7e73ebf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Le taux directeur<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d08bccd elementor-widget elementor-widget-text-editor\" data-id=\"d08bccd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La Banque du Canada ajuste son taux directeur 8 fois par ann\u00e9e \u00e0 la baisse ou \u00e0 la hausse, afin de stabiliser l\u2019\u00e9conomie (pour freiner l\u2019inflation ou inciter les banques \u00e0 pr\u00eater, notamment), ce qui influence les taux d\u2019int\u00e9r\u00eat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12e5197 e-con-full e-flex e-con e-child\" data-id=\"12e5197\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de40103 elementor-widget elementor-widget-heading\" data-id=\"de40103\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Le risque de non-remboursement<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1afe95 elementor-widget elementor-widget-text-editor\" data-id=\"a1afe95\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le plus grand risque pour le pr\u00eateur est que l\u2019emprunteur ne paye pas son terme mensuel. Plus le risque est \u00e9lev\u00e9, plus le taux d\u2019int\u00e9r\u00eat qui lui sera propos\u00e9 a de chances d\u2019\u00eatre \u00e9lev\u00e9.<\/p><p>Pour d\u00e9terminer le niveau de risque, le pr\u00eateur prendra notamment en compte la cote de cr\u00e9dit de l\u2019emprunteur (qui est un bon indicateur de ses habitudes en termes de remboursement de dettes), son ratio d\u2019endettement ainsi que le montant demand\u00e9 pour le pr\u00eat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea17737 e-flex e-con-boxed e-con e-parent\" data-id=\"ea17737\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b4cc8b elementor-widget elementor-widget-heading\" data-id=\"1b4cc8b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment obtenir le <span class=\"underline\">meilleur taux hypoth\u00e9caire<\/span>?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db2f6f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8db2f6f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La meilleure fa\u00e7on d\u2019obtenir le meilleur taux hypoth\u00e9caire est\u2026 de faire affaire avec un courtier hypoth\u00e9caire. Mais en plus de recourir aux services d\u2019un courtier, vous pouvez vous aussi user de strat\u00e9gie pour obtenir le meilleur taux possible.<\/p><p><strong>Prenez-vous 6 mois d\u2019avance<\/strong><\/p><p>Si vous devez prochainement renouveler votre hypoth\u00e8que ou en contracter une nouvelle, sachez que vous pouvez entamer vos d\u00e9marches 3 mois avant le jour J. Certaines institutions financi\u00e8res vous offrent la possibilit\u00e9 de profiter du meilleur taux hypoth\u00e9caire durant cette p\u00e9riode<\/p><p><strong>Optez pour une hypoth\u00e8que ferm\u00e9e<\/strong><\/p><p>Les hypoth\u00e8ques ferm\u00e9es proposent g\u00e9n\u00e9ralement des taux d\u2019int\u00e9r\u00eat plus bas que celles ouvertes. M\u00eame si elles sont \u00ab ferm\u00e9es \u00bb, ces hypoth\u00e8ques permettent \u00e0 l\u2019emprunteur de proc\u00e9der chaque ann\u00e9e \u00e0 un remboursement anticip\u00e9 entre 10 et 20% du montant en capital emprunt\u00e9 sans p\u00e9nalit\u00e9s, afin d\u2019acc\u00e9l\u00e9rer ses paiements (et ultimement payer moins d\u2019int\u00e9r\u00eat).<\/p><p>Cependant, si vous estimez recevoir un montant d\u2019argent important quelques mois apr\u00e8s avoir sign\u00e9 votre hypoth\u00e8que, il vous sera plus profitable de choisir une hypoth\u00e8que ouverte, qui vous permet de rembourser les montants que vous souhaitez en tout temps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5092744 e-flex e-con-boxed e-con e-parent\" data-id=\"5092744\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc5359d elementor-widget elementor-widget-heading\" data-id=\"cc5359d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019<span class=\"underline\">\u00e9volution des taux hypoth\u00e9caires<\/span> dans le temps<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06ab773 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"06ab773\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Depuis 1969, le taux hypoth\u00e9caire le plus populaire, soit celui fixe avec un terme de 5 ans, a connu diverses variations. Alors que cette ann\u00e9e-l\u00e0, selon la Banque du Canada, ce taux se situait en moyenne \u00e0 4,79 %, 5 ans plus tard, il grimpait \u00e0 12 %, pour redescendre \u00e0 10,25 % en 1977. Quelques ann\u00e9es plus tard, la r\u00e9cession aux \u00c9tats-Unis a fait exploser les taux d\u2019int\u00e9r\u00eat : en 1981, le taux fixe sur 5 ans a fracass\u00e9 des records en atteignant 21,46 %.<\/p><p>Heureusement pour les propri\u00e9taires et les futurs propri\u00e9taires, ces derniers ont fini par redescendre \u00e0 12,50 % en 1983, un niveau plus acceptable \u00e0 l\u2019\u00e9poque (mais qui serait impensable aujourd\u2019hui). Depuis, le taux fixe sur 5 ans subit de l\u00e9g\u00e8res fluctuations, avec une tendance g\u00e9n\u00e9rale \u00e0 la baisse. Avec la pand\u00e9mie, en 2020, les taux d\u2019int\u00e9r\u00eat ont chut\u00e9 davantage, favorisant l\u2019effervescence du march\u00e9 immobilier. En 2024 nous attendons avec impatience que les taux redescendent avec la baisse du taux d\u2019inflation. Le taux directeur est actuellement \u00e0 5%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Comprendre les diff\u00e9rents taux hypoth\u00e9caires Obtenir le meilleur taux Taux fixe et taux variable; terme de 1, 3, 5 ou 10 ans; p\u00e9riode d\u2019amortissement; pr\u00eat ferm\u00e9 ou pr\u00eat ouvert : voil\u00e0 autant de notions que vous aurez \u00e0 bien comprendre avant de signer un contrat hypoth\u00e9caire. Voici comment vous y retrouver\u2026 et comment obtenir le [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-14302","page","type-page","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Multi-Pr\u00eats MR | \u00c9quipe Mathieu Lebrun | Les taux<\/title>\n<meta name=\"description\" content=\"Les Diff\u00e9rents types de taux hypoth\u00e9caires : Explication et Comparaison\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hypothequerapide.com\/fr\/les-taux\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" 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