{"id":896,"date":"2023-06-15T05:07:19","date_gmt":"2023-06-15T05:07:19","guid":{"rendered":"https:\/\/poslunsgroup.com\/how-a-good-credit-score-can-get-you-on-the-property-ladder\/"},"modified":"2024-01-25T17:28:43","modified_gmt":"2024-01-25T17:28:43","slug":"une-bonne-cote-de-credit-peut-vous-amener-sur-echelle-de-la-propriete","status":"publish","type":"post","link":"https:\/\/poslunsgroup.com\/fr\/une-bonne-cote-de-credit-peut-vous-amener-sur-echelle-de-la-propriete\/","title":{"rendered":"Comment une bonne cote de cr\u00e9dit peut vous amener sur l\u2019\u00e9chelle de la propri\u00e9t\u00e9"},"content":{"rendered":"
L’achat d’une propri\u00e9t\u00e9\u00a0<\/a>est une aventure qui comprend plusieurs \u00e9tapes importantes, comme l’\u00e9valuation de vos besoins, la recherche d’une maison et la pr\u00e9sentation d’une promesse d’achat. Mais pour de nombreux futurs propri\u00e9taires, une \u00e9tape cruciale consiste \u00e0 obtenir une pr\u00e9-approbation hypoth\u00e9cair<\/a>e. R\u00e9aliser un investissement immobilier d\u00e9pend de nombreux facteurs, notamment vos revenus, votre situation financi\u00e8re et vos ant\u00e9c\u00e9dents de cr\u00e9dit. Alors, quelle cote de cr\u00e9dit est n\u00e9cessaire pour acheter une maison ? Cet article r\u00e9pondra \u00e0 toutes vos questions.<\/h6>\n

\"Example<\/p>\n

Qu\u2019est-ce qu\u2019une bonne cote de cr\u00e9dit ?<\/strong><\/p>\n

Un pointage de cr\u00e9dit varie de 300 \u00e0 900 et d\u00e9termine votre capacit\u00e9 \u00e0 rembourser un pr\u00eat en fonction de vos ant\u00e9c\u00e9dents de cr\u00e9dit. Plus le score est \u00e9lev\u00e9, meilleure est votre sant\u00e9 financi\u00e8re.<\/p>\n

Quelle cote de cr\u00e9dit est n\u00e9cessaire pour acheter une maison ? En r\u00e8gle g\u00e9n\u00e9rale,\u00a0un score compris entre 620 et 680\u00a0devrait vous qualifier pour un pr\u00eat hypoth\u00e9caire aupr\u00e8s d’une institution financi\u00e8re.[1] Ce score servira \u00e9galement \u00e0 d\u00e9terminer le taux et les modalit\u00e9s de votre pr\u00eat.<\/p>\n

Comment am\u00e9liorer votre cote de cr\u00e9dit pour acheter une maison ?<\/p>\n

Il existe plusieurs fa\u00e7ons d\u2019am\u00e9liorer votre score et d\u2019investir dans l\u2019immobilier. Voici cinq conseils qui vous aideront \u00e0 maintenir un bon historique de cr\u00e9dit.<\/p>\n

1.\u00a0V\u00e9rifiez votre pointage de cr\u00e9dit d\u00e8s le d\u00e9but<\/strong><\/p>\n

En v\u00e9rifiant votre historique de cr\u00e9dit d\u00e8s le d\u00e9but du processus d\u2019achat, vous serez en mesure de voir s\u2019il y a des erreurs et de les corriger avant de demander un pr\u00eat hypoth\u00e9caire. Vous pouvez le faire sur les sites Web des agences d’\u00e9valuation du cr\u00e9dit comme\u00a0Equifax<\/a>\u00a0et\u00a0TransUnion Canada<\/a>. Certaines institutions financi\u00e8res peuvent \u00e9galement vous fournir ces informations.<\/p>\n

2.\u00a0\u00c9tablir un solide historique de cr\u00e9dit<\/strong><\/p>\n

Cela montre aux institutions financi\u00e8res votre historique de cr\u00e9dit. Gardez vos comptes et cartes de cr\u00e9dit ouverts, m\u00eame si vous ne les utilisez pas fr\u00e9quemment.[2] Si vous \u00eates un emprunteur fiable, cela aura un impact positif sur votre pointage de cr\u00e9dit.<\/p>\n

3.\u00a0Utilisez le cr\u00e9dit \u00e0 bon escient<\/strong><\/p>\n

Id\u00e9alement, votre taux d\u2019utilisation du cr\u00e9dit ne devrait pas d\u00e9passer 35 % de la limite autoris\u00e9e. Si cela n\u2019est pas r\u00e9aliste, essayez de ne pas utiliser plus de 60 % de la limite disponible.[3]<\/p>\n

4.\u00a0Effectuez tous vos paiements<\/strong><\/p>\n

Une r\u00e8gle d\u2019or en mati\u00e8re de cr\u00e9dit est d\u2019effectuer vos paiements avant la date d\u2019\u00e9ch\u00e9ance. Ils doivent couvrir la totalit\u00e9 du solde, et pas seulement le paiement minimum.<\/p>\n

5.\u00a0Ne demandez pas plusieurs pr\u00eats<\/strong><\/p>\n

Demander plus d\u2019un pr\u00eat montre aux autres pr\u00eateurs que vous avez besoin de cr\u00e9dit, ce qui peut faire perdre plusieurs points \u00e0 votre cote de cr\u00e9dit. Si vous devez faire une demande aupr\u00e8s de plusieurs pr\u00eateurs, faites-le dans un court laps de temps afin que votre score ne soit pas affect\u00e9.<\/p>\n

Vous souhaitez am\u00e9liorer votre cote de cr\u00e9dit afin de pouvoir acheter une maison ? Recherchez un conseiller financier qui peut vous aider dans ce processus. Vous disposerez de tous les outils n\u00e9cessaires pour proc\u00e9der \u00e0\u00a0un achat avec un courtier immobilier.<\/a><\/p>\n

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

Votre pointage de cr\u00e9dit affecte votre capacit\u00e9 \u00e0 acheter une maison. Voici quelques conseils pour vous aider \u00e0 devenir propri\u00e9taire.<\/p>\n","protected":false},"author":9,"featured_media":559,"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-896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":[],"yoast_head":"\nComment une bonne cote de cr\u00e9dit peut vous amener sur l\u2019\u00e9chelle de la propri\u00e9t\u00e9 - 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-a-good-credit-score-can-get-you-on-the-property-ladder\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment une bonne cote de cr\u00e9dit peut vous amener sur l\u2019\u00e9chelle de la propri\u00e9t\u00e9 - Corey Posluns\" \/>\n<meta property=\"og:description\" content=\"Votre pointage de cr\u00e9dit affecte votre capacit\u00e9 \u00e0 acheter une maison. 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