{"id":851,"date":"2023-07-18T05:38:40","date_gmt":"2023-07-18T05:38:40","guid":{"rendered":"https:\/\/poslunsgroup.com\/how-to-get-pre-approved-for-a-mortgage\/"},"modified":"2024-01-25T16:04:31","modified_gmt":"2024-01-25T16:04:31","slug":"comment-obtenir-une-pre-approbation-pour-un-pret-hypothecaire","status":"publish","type":"post","link":"https:\/\/poslunsgroup.com\/fr\/comment-obtenir-une-pre-approbation-pour-un-pret-hypothecaire\/","title":{"rendered":"Comment obtenir une pr\u00e9-approbation pour un pr\u00eat hypoth\u00e9caire"},"content":{"rendered":"<h6>\u00cates-vous pr\u00eat \u00e0 commencer \u00e0 chercher votre future maison ? La premi\u00e8re \u00e9tape pour faire de votre r\u00eave une r\u00e9alit\u00e9 consiste \u00e0 <a href=\"https:\/\/www.centris.ca\/en\/blog\/real-estate?uc=16\">obtenir une pr\u00e9-approbation pour un pr\u00eat hypoth\u00e9caire<\/a>. Ce processus vous aidera \u00e0 conna\u00eetre votre capacit\u00e9 d&#8217;emprunt, \u00e0 estimer vos versements hypoth\u00e9caires et \u00e0 bloquer un taux d&rsquo;int\u00e9r\u00eat pendant 60\u00a0\u00e0 130\u00a0jours, selon le pr\u00eateur.[1]<\/h6>\n<p><img decoding=\"async\" style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"https:\/\/poslunsgroup.com\/wp-content\/uploads\/2023\/08\/adobestock_599088066_preapprobation.jpg\" alt=\"Couple watching a mobile\" \/><\/p>\n<p>Lisez cet article pour savoir comment obtenir une pr\u00e9-approbation pour un pr\u00eat hypoth\u00e9caire et vous positionner comme un acheteur s\u00e9rieux. Cela vous donnera \u00e9galement une longueur d\u2019avance au moment de faire une offre.<\/p>\n<p>Qu\u2019est-ce qu\u2019un pr\u00eat hypoth\u00e9caire pr\u00e9approuv\u00e9\u00a0?<\/p>\n<p>Obtenir une pr\u00e9-approbation pour un pr\u00eat hypoth\u00e9caire signifie qu\u2019un pr\u00eateur \u00e9value le montant maximum que vous pourriez emprunter pour acheter une maison. Le processus repose sur plusieurs crit\u00e8res[2], notamment\u00a0:<\/p>\n<ul>\n<li>Votre situation financi\u00e8re<\/li>\n<li>Acompte<\/li>\n<li>Valeur de la propri\u00e9t\u00e9<\/li>\n<\/ul>\n<p>Au cours de ce processus, vous devrez fournir vos informations personnelles et divers documents. Le pr\u00eateur v\u00e9rifiera \u00e9galement votre <a href=\"https:\/\/www.centris.ca\/fr\/blogue\/immobilier\/quelle-cote-de-credit-faut-il-avoir-pour-acheter-une-maison?uc=17\">cote de cr\u00e9dit.<\/a><\/p>\n<p><strong>Comment obtenir une pr\u00e9-approbation pour un pr\u00eat hypoth\u00e9caire<\/strong><\/p>\n<p>Contacter plusieurs pr\u00eateurs ou courtiers hypoth\u00e9caires vous permet de magasiner pour trouver le produit qui vous convient le mieux, au taux le plus avantageux.<\/p>\n<p>Sachez que les pr\u00eateurs vous pr\u00eateront directement. Cela comprend les banques, les caisses populaires, les coop\u00e9ratives de cr\u00e9dit, les soci\u00e9t\u00e9s de pr\u00eats hypoth\u00e9caires, les compagnies d&rsquo;assurance et les soci\u00e9t\u00e9s de fiducie et de pr\u00eat.[3]<\/p>\n<p>En revanche, <a href=\"https:\/\/mortgageproscan.ca\/fr\/accueil\">les courtiers hypoth\u00e9caires<\/a> ne vous pr\u00eatent pas d\u2019argent directement. Ils n\u00e9gocient la transaction pour vous. Puisqu\u2019ils ont acc\u00e8s \u00e0 de nombreux pr\u00eateurs, ils peuvent g\u00e9n\u00e9ralement proposer une gamme de produits plus large. Ils ne facturent g\u00e9n\u00e9ralement pas non plus de frais pour leurs services, mais ils re\u00e7oivent une commission \u00e0 la fin du processus.<\/p>\n<p><strong>3 conseils pour obtenir une pr\u00e9approbation hypoth\u00e9caire<\/strong><\/p>\n<p><strong>1.\u00a0Estimez votre capacit\u00e9 d&#8217;emprunt<\/strong><\/p>\n<p>Cr\u00e9ez un \u00e9tat d\u00e9taill\u00e9 de vos revenus et d\u00e9penses avant de contacter un pr\u00eateur. Il vous sera ainsi plus facile d\u2019\u00e9valuer votre capacit\u00e9 \u00e0 faire de votre r\u00eave d\u2019accession \u00e0 la propri\u00e9t\u00e9 une r\u00e9alit\u00e9, en fonction de votre style de vie. Il existe plusieurs outils disponibles pour vous aider \u00e0 le faire, notamment notre\u00a0calculateur hypoth\u00e9caire.<\/p>\n<p><strong>2.\u00a0Suivez vos finances<\/strong><\/p>\n<p>Assurez-vous d\u2019\u00eatre dans une bonne situation financi\u00e8re. Autrement dit, \u00e9vitez les gros achats, comme une voiture ou un \u00e9lectrom\u00e9nager, car cela pourrait diminuer votre capacit\u00e9 d\u2019emprunt. Si votre situation change entre le moment de votre demande et celui de votre achat, vous pourriez obtenir un pr\u00eat inf\u00e9rieur \u00e0 celui indiqu\u00e9 sur votre pr\u00e9-approbation ou m\u00eame \u00eatre refus\u00e9.<\/p>\n<p><strong>3.\u00a0Tenir compte des autres d\u00e9penses d&rsquo;achat d&rsquo;une maison<\/strong><\/p>\n<p>N&rsquo;oubliez pas qu&rsquo;une pr\u00e9-approbation estime le montant maximum que vous pourriez obtenir sous forme de pr\u00eat. Cependant, il ne prend pas en compte les autres d\u00e9penses li\u00e9es \u00e0 l\u2019achat d\u2019une maison, comme <a href=\"https:\/\/www.centris.ca\/fr\/blogue\/immobilier\/achat-d-une-maison-avez-vous-calcule-les-frais-de-cloture?uc=19\">les frais de cl\u00f4ture<\/a>, de d\u00e9m\u00e9nagement et d\u2019entretien. \u00c9vitez les mauvaises surprises en recherchant des maisons dans une fourchette de prix inf\u00e9rieure.<\/p>\n<p>Vous \u00eates enfin pr\u00eat \u00e0 vous lancer dans cette incroyable aventure\u00a0! Pensez \u00e0 passer par un <a href=\"https:\/\/www.centris.ca\/fr\/courtiers-immobiliers?uc=20\">courtier immobilier<\/a> afin d&rsquo;acheter votre maison en toute s\u00e9r\u00e9nit\u00e9. Leur vaste expertise vous rendra la vie beaucoup plus facile !<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cates-vous enfin pr\u00eat \u00e0 devenir propri\u00e9taire ? La premi\u00e8re \u00e9tape pour faire de votre r\u00eave une r\u00e9alit\u00e9 consiste \u00e0 obtenir une pr\u00e9-approbation pour un pr\u00eat hypoth\u00e9caire.<\/p>\n","protected":false},"author":9,"featured_media":580,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-851","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment obtenir une pr\u00e9-approbation pour un pr\u00eat hypoth\u00e9caire - Corey Posluns<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/poslunsgroup.com\/how-to-get-pre-approved-for-a-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment obtenir une pr\u00e9-approbation pour un pr\u00eat hypoth\u00e9caire - Corey Posluns\" \/>\n<meta property=\"og:description\" content=\"\u00cates-vous enfin pr\u00eat \u00e0 devenir propri\u00e9taire ? 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