{"id":2455,"date":"2016-02-03T10:54:10","date_gmt":"2016-02-03T15:54:10","guid":{"rendered":"\/?p=2455"},"modified":"2016-02-03T10:54:20","modified_gmt":"2016-02-03T15:54:20","slug":"hypotheque-moins-vous-empruntez-plus-ca-coute-cher","status":"publish","type":"post","link":"https:\/\/eryckveziau.com\/en\/non-classe\/hypotheque-moins-vous-empruntez-plus-ca-coute-cher\/","title":{"rendered":"Hypoth\u00e8que : moins vous empruntez, plus \u00e7a co\u00fbte cher"},"content":{"rendered":"<p>Vous avez peu de dettes, des actifs importants, une bonne discipline financi\u00e8re\u00a0? D\u00e9sol\u00e9e, vous n\u2019\u00eates pas le client pr\u00e9f\u00e9r\u00e9 des pr\u00eateurs hypoth\u00e9caires qui pr\u00e9f\u00e8rent les consommateurs qui empruntent de grosses sommes.<\/p>\n<p>D\u00e9monstration\u00a0: un propri\u00e9taire d\u00e9barque \u00e0 sa caisse populaire pour contracter une hypoth\u00e8que qui repr\u00e9sente seulement 40\u00a0% de la valeur de sa maison. L\u2019homme s\u2019imagine qu\u2019il aura le meilleur taux en ville, puisqu\u2019il est un excellent client, pas trop risqu\u00e9, capable de payer plus de la moiti\u00e9 de sa maison comptant.<\/p>\n<p>Eh non\u00a0! Pour avoir droit au meilleur taux, il faudrait qu\u2019il donne une mise de fonds moins \u00e9lev\u00e9e et qu\u2019il accepte d\u2019emprunter davantage, lui explique la caisse apr\u00e8s avoir analys\u00e9 son dossier.<\/p>\n<p>C\u2019est le monde \u00e0 l\u2019envers\u00a0: moins on emprunte, plus \u00e7a co\u00fbte cher\u00a0!<\/p>\n<p>M\u00eame si la diff\u00e9rence de taux n\u2019est pas \u00e9norme, certains clients verront l\u00e0 une incitation au surendettement. Mais \u00e9videmment, les consommateurs qui empruntent davantage que leurs besoins pour d\u00e9crocher un meilleur taux d\u2019int\u00e9r\u00eat se leurrent. Ils ont peut-\u00eatre l\u2019impression d\u2019\u00e9conomiser de l\u2019argent parce que le taux est plus faible, mais les int\u00e9r\u00eats vers\u00e9s seront plus \u00e9lev\u00e9s. Au final, \u00e7a leur co\u00fbtera plus cher.<\/p>\n<p>\u00ab\u00a0Si vous empruntez davantage juste pour obtenir un meilleur taux, c\u2019est une mauvaise raison\u00a0\u00bb, insiste Denis Doucet, porte-parole du courtier hypoth\u00e9caire Multi-Pr\u00eats.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous avez peu de dettes, des actifs importants, une bonne discipline financi\u00e8re\u00a0? D\u00e9sol\u00e9e, vous n\u2019\u00eates pas le client pr\u00e9f\u00e9r\u00e9 des pr\u00eateurs hypoth\u00e9caires qui pr\u00e9f\u00e8rent les consommateurs qui empruntent de grosses sommes. D\u00e9monstration\u00a0: un propri\u00e9taire d\u00e9barque \u00e0 sa caisse populaire pour contracter une hypoth\u00e8que qui repr\u00e9sente seulement 40\u00a0% de la valeur de sa maison. L\u2019homme s\u2019imagine [&hellip;]<\/p>\n","protected":false},"author":285,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2455","post","type-post","status-publish","format-standard","hentry","category-non-classe"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hypoth\u00e8que : moins vous empruntez, plus \u00e7a co\u00fbte cher | ERYCK V\u00c9ZIAU, COURTIER IMMOBILIER LAVAL, COURTIER IMMOBILIER STE-DOROTH\u00c9E, MAISON \u00c0 VENDRE LAVAL, AGENT IMMOBILIER STE-DOROTH\u00c9E<\/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:\/\/eryckveziau.com\/en\/non-classe\/hypotheque-moins-vous-empruntez-plus-ca-coute-cher\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hypoth\u00e8que : moins vous empruntez, plus \u00e7a co\u00fbte cher | ERYCK V\u00c9ZIAU, COURTIER IMMOBILIER LAVAL, COURTIER IMMOBILIER STE-DOROTH\u00c9E, MAISON \u00c0 VENDRE LAVAL, AGENT IMMOBILIER STE-DOROTH\u00c9E\" \/>\n<meta property=\"og:description\" content=\"Vous avez peu de dettes, des actifs importants, une bonne discipline financi\u00e8re\u00a0? 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