{"id":779,"date":"2021-10-27T13:09:05","date_gmt":"2021-10-27T13:09:05","guid":{"rendered":"https:\/\/www.logisquebec.com\/blog\/?p=779"},"modified":"2021-10-27T13:10:29","modified_gmt":"2021-10-27T13:10:29","slug":"comment-evaluer-votre-capacite-demprunt","status":"publish","type":"post","link":"https:\/\/www.logisquebec.com\/blog\/comment-evaluer-votre-capacite-demprunt\/","title":{"rendered":"Comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt\u2009?"},"content":{"rendered":"\n<p>Avant de faire un achat immobilier important, il est crucial de savoir comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt. Un grand nombre de<strong> <\/strong>crit\u00e8res sont \u00e9valu\u00e9s par les pr\u00eateurs pour <strong>d\u00e9terminer votre \u00e9ligibilit\u00e9<\/strong> \u00e0 <a href=\"https:\/\/www.logisquebec.com\/blog\/emprunt-hypothecaire\/\">un emprunt hypoth\u00e9caire<\/a>.&nbsp;<\/p>\n\n\n\n<p>De plus, votre capacit\u00e9 d\u2019emprunt est li\u00e9e \u00e0 votre capacit\u00e9 d\u2019endettement. Les institutions financi\u00e8res prennent donc en consid\u00e9ration&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Vos engagements financiers courants;<\/li><li>Votre mise de fonds;&nbsp;<\/li><li>Votre taux d\u2019endettement avant emprunt;<\/li><li>Vos d\u00e9penses courantes;<\/li><li>Votre revenu annuel;<\/li><li>Votre cr\u00e9dit;<\/li><li>La <a href=\"https:\/\/www.desjardins.com\/outils\/valeur-maison\/index.jsp#\/valeur-maison\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">valeur de la propri\u00e9t\u00e9<\/a>;<\/li><li>La dur\u00e9e du pr\u00eat.<\/li><\/ul>\n\n\n\n<p>Ainsi que de nombreux autres \u00e9l\u00e9ments <strong>relatifs \u00e0 vos finances personnelles<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Avant de vous lancer dans un projet d\u2019achat immobilier, nous vous invitons \u00e0 d\u00e9couvrir notre <strong>guide complet<\/strong> pour apprendre comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt. Voici donc tout ce que vous devez savoir sur la capacit\u00e9 d\u2019emprunt et ce dont vous avez besoin pour faire ce calcul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt&nbsp;: le ratio ABD et ATD<\/h2>\n\n\n\n<p>Avant de lancer votre processus d\u2019achat, vous devez tout d\u2019abord conna\u00eetre votre capacit\u00e9 d\u2019emprunt. La premi\u00e8re chose que les institutions financi\u00e8res v\u00e9rifient est votre ratio ABD et ATD.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ratio ABD<\/h3>\n\n\n\n<p>Le ratio ABD est <strong>votre ratio d\u2019amortissement brut. <\/strong>Ce ratio prend en consid\u00e9ration vos d\u00e9penses annuelles de loyer et le compare \u00e0 votre revenu annuel.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ratio ATD<\/h3>\n\n\n\n<p>Le ratio ATD repr\u00e9sente<strong> l\u2019amortissement total de la dette. <\/strong>Pour calculer l\u2019ATD, vous devez additionner l\u2019ABD et vos d\u00e9penses courantes pour rencontrer vos engagements financiers. C\u2019est ce ratio qui indique aux pr\u00eateurs si vous \u00eates en mesure de rembourser votre pr\u00eat en plus de vos autres engagements.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Revenus et d\u00e9penses<\/h3>\n\n\n\n<p>Voici les \u00e9l\u00e9ments \u00e0 consid\u00e9rer dans vos revenus et d\u00e9penses&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Revenu annuel;&nbsp;<\/li><li>Frais de loyer ou frais d\u2019occupation;<\/li><li>Autres pr\u00eats et engagements financiers (pr\u00eat auto, \u00e9ducation, etc.);<\/li><li>D\u00e9penses courantes et cr\u00e9dit.<\/li><\/ul>\n\n\n\n<p>Gardez \u00e9galement en t\u00eate<strong> les frais li\u00e9s \u00e0 l\u2019achat d\u2019une propri\u00e9t\u00e9.<\/strong> Vous devez donc avoir la capacit\u00e9 de rencontrer&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les frais de notaires;<\/li><li>La taxe de bienvenue, municipale et scolaire;<\/li><li>les frais d\u2019inspection, d\u2019\u00e9valuation et d\u2019assurance;<\/li><li>TPS\/TVQ (maisons neuves ou propri\u00e9t\u00e9s avec des r\u00e9novations substantielles);<\/li><li>Les frais de d\u00e9m\u00e9nagement.<\/li><\/ul>\n\n\n\n<p>Ainsi que <strong>tous les autres frais aff\u00e9rents<\/strong>, par exemple les r\u00e9novations, les frais de condo ou de copropri\u00e9t\u00e9.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Taux d\u2019endettement<\/h3>\n\n\n\n<p>Le ratio d\u2019endettement <strong>ne devrait pas d\u00e9passer 44%<\/strong> selon la norme gouvernementale. Cependant, les pr\u00eateurs peuvent demander un ratio d\u2019endettement plus bas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt&nbsp;: le calcul du taux d\u2019endettement<\/h3>\n\n\n\n<p>Le calcul du taux d&rsquo;endettement s&rsquo;obtient lorsque vous prenez vos paiements mensuels et les divisez par vos revenus mensuels. Un ratio favorable pour les pr\u00eateurs se situe g\u00e9n\u00e9ralement<strong> entre 32&nbsp;% et 39&nbsp;%.<\/strong> Bien s\u00fbr, tout d\u00e9pend du pr\u00eateur, mais un ratio d\u2019endettement sup\u00e9rieur est \u00e0 risque de d\u00e9courager les pr\u00eateurs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Proc\u00e9der \u00e0 une restructuration des cr\u00e9dits actuels&nbsp;<\/h3>\n\n\n\n<p>Si vous avez des dettes, une restructuration des cr\u00e9dits ou <strong>regroupement de dettes<\/strong> est tout \u00e0 votre avantage. Consolider vos dettes sous une seule banni\u00e8re vous permet de calculer plus facilement votre taux d\u2019endettement et de budg\u00e9tiser en fonction de celui-ci.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Pour savoir comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt, la restructuration des cr\u00e9dits est un avantage ind\u00e9niable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Contracter deux cr\u00e9dits immobiliers<\/h3>\n\n\n\n<p>Bien qu\u2019il n\u2019est pas impossible de contracter deux cr\u00e9dits immobiliers, <strong>ce n\u2019est pas recommand\u00e9.<\/strong> Votre taux d\u2019endettement sera scrupuleusement \u00e9tudi\u00e9 afin d\u2019\u00e9viter que vous ne vous retrouviez dans une situation o\u00f9 vous ne pourrez payer ni l\u2019un ni l\u2019autre de vos pr\u00eats immobiliers.<\/p>\n\n\n\n<p>Il n\u2019y a aucune loi qui l\u2019interdise, mais l\u2019obtention d\u2019un second pr\u00eat immobilier est plus difficile. Il vous sera \u00e9galement plus difficile de savoir comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce que la capacit\u00e9 d\u2019emprunt\u2009?<\/h2>\n\n\n\n<p>La capacit\u00e9 d\u2019emprunt, c\u2019est la somme d\u2019argent maximale que vous \u00eates en mesure d\u2019emprunter et de rembourser.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi ai-je besoin de conna\u00eetre ma capacit\u00e9 d\u2019emprunt\u2009?<\/h2>\n\n\n\n<p>Il est n\u00e9cessaire de conna\u00eetre votre capacit\u00e9 d\u2019emprunt, car celle-ci vous donne une bonne id\u00e9e de vos limites financi\u00e8res pour l\u2019achat d\u2019une propri\u00e9t\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment calculer la capacit\u00e9 d\u2019emprunt\u2009?<\/h2>\n\n\n\n<p>La capacit\u00e9 d\u2019emprunt est calcul\u00e9e en fonction de vos ratios ATD et ABD et de nombreux autres facteurs. Il est difficile de l\u2019\u00e9valuer avec pr\u00e9cision, mais de nombreux outils sont mis \u00e0 votre disposition sur le web pour faire ce calcul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quels sont les crit\u00e8res des banques pour l\u2019\u00e9valuation de la capacit\u00e9 d\u2019emprunt\u2009?&nbsp;<\/h2>\n\n\n\n<p>Les crit\u00e8res varient d\u2019une institution financi\u00e8re \u00e0 l\u2019autre, mais restent sensiblement les m\u00eames. Nous recommandons donc de faire une <a href=\"https:\/\/www.logisquebec.com\/blog\/la-preapprobation-hypothecaire-une-demarche-utile\/\">demande de pr\u00e9approbation hypoth\u00e9caire<\/a> aupr\u00e8s de votre institution financi\u00e8re.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment puis-je augmenter ma capacit\u00e9 d\u2019emprunt\u2009?<\/h2>\n\n\n\n<p>Pour savoir comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt, il faut comprendre que celle-ci est directement li\u00e9e <strong>\u00e0 vos revenus, d\u00e9penses et vos engagements financiers<\/strong>. Si vous augmentez vos revenus, consolidez vos dettes et r\u00e9duisez vos engagements financiers, votre capacit\u00e9 d\u2019emprunt augmente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quel montant dois-je emprunter\u2009?<\/h2>\n\n\n\n<p>Nous recommandons fortement de ne pas emprunter votre capacit\u00e9 maximale. L\u2019achat d\u2019une propri\u00e9t\u00e9 <strong>poss\u00e8de de nombreux frais et d\u00e9penses<\/strong> qui ne sont pas calcul\u00e9s dans votre capacit\u00e9 d\u2019emprunt (taxes, r\u00e9novations, etc.). Il est donc sugg\u00e9r\u00e9 d\u2019emprunter un montant inf\u00e9rieur.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avant de faire un achat immobilier important, il est crucial de savoir comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt. Un grand nombre de crit\u00e8res sont \u00e9valu\u00e9s par les pr\u00eateurs pour d\u00e9terminer votre \u00e9ligibilit\u00e9 \u00e0 un emprunt hypoth\u00e9caire.&nbsp; De plus, votre capacit\u00e9 d\u2019emprunt est li\u00e9e \u00e0 votre capacit\u00e9 d\u2019endettement. Les institutions financi\u00e8res prennent donc en consid\u00e9ration&nbsp;:&nbsp; Vos engagements<\/p>\n","protected":false},"author":1,"featured_media":782,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":{"0":"post-779","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-vente"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment \u00e9valuer votre capacit\u00e9 d\u2019emprunt\u2009? - LogisQu\u00e9bec<\/title>\n<meta name=\"description\" content=\"Savez-vous comment \u00e9valuer votre capacit\u00e9 d&#039;emprunt ? 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