{"id":7840,"date":"2026-01-22T17:28:10","date_gmt":"2026-01-22T17:28:10","guid":{"rendered":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/rduire-ses-paiements-hypothcaires\/"},"modified":"2026-01-22T19:02:00","modified_gmt":"2026-01-22T19:02:00","slug":"rduire-ses-paiements-hypothcaires","status":"publish","type":"page","link":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/rduire-ses-paiements-hypothcaires\/","title":{"rendered":"R\u00e9duire ses paiements hypoth\u00e9caires"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7840\" class=\"elementor elementor-7840\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50c1b6e elementor-section-height-min-height header_title banner_img elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"50c1b6e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a2d241\" data-id=\"3a2d241\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9673cd2 elementor-widget elementor-widget-heading\" data-id=\"9673cd2\" data-element_type=\"widget\" data-e-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\">R\u00e9duire ses paiements hypoth\u00e9caires<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d9a853a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d9a853a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68d9c5a page_contain\" data-id=\"68d9c5a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50f1f9b elementor-widget elementor-widget-image\" data-id=\"50f1f9b\" data-element_type=\"widget\" data-e-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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1366\" height=\"768\" src=\"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-content\/uploads\/sites\/379\/2026\/01\/3_reduire_ses_paiements_landing.jpg\" class=\"attachment-full size-full wp-image-7847\" alt=\"\" srcset=\"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-content\/uploads\/sites\/379\/2026\/01\/3_reduire_ses_paiements_landing.jpg 1366w, https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-content\/uploads\/sites\/379\/2026\/01\/3_reduire_ses_paiements_landing-300x169.jpg 300w, https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-content\/uploads\/sites\/379\/2026\/01\/3_reduire_ses_paiements_landing-1024x576.jpg 1024w, https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-content\/uploads\/sites\/379\/2026\/01\/3_reduire_ses_paiements_landing-768x432.jpg 768w\" sizes=\"(max-width: 1366px) 100vw, 1366px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\"><\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<link rel=\"stylesheet\" href=\"https:\/\/use.fontawesome.com\/releases\/v5.5.0\/css\/all.css\" integrity=\"sha384-B4dIYHKNBt8Bc12p+WXckhzcICo0wtJAoU8YZTY5qE0Id1GSseTk6S+L3BlXeVIU\" crossorigin=\"anonymous\">\r\n\t\t<div class=\"elementor-element elementor-element-d0a0a3b mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"d0a0a3b\" data-element_type=\"widget\" data-e-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 co\u00fbt \u00e9lev\u00e9 de la vie a des r\u00e9percussions sur les finances de nombreuses personnes. Si vous avez du mal \u00e0 payer votre pr\u00eat hypoth\u00e9caire, sachez que vous n\u2019\u00eates pas seul et qu\u2019il existe des moyens de r\u00e9duire le stress. Il est important de vous adresser \u00e0 votre institution financi\u00e8re d\u00e8s que possible si vous avez des difficult\u00e9s \u00e0 effectuer vos paiements hypoth\u00e9caires, afin d\u2019examiner ensemble les options qui s\u2019offrent \u00e0 vous.<\/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-4f2ea9c elementor-widget elementor-widget-advertisement\" data-id=\"4f2ea9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"advertisement.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ads-align-center\"><div data-m32-ad data-options='{\"sizes\":\"[[300,100]]\",\"dfpId\":\"21658289790,27729547\",\"dfpAdUnitPath\":\"acadienouvelle\/cahiers_onefifthpage_300x100\"}'><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b6ad93 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"0b6ad93\" data-element_type=\"widget\" data-e-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><b>1- Ren\u00e9gocier votre pr\u00eat hypoth\u00e9caire<\/b><\/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-f040c5e mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"f040c5e\" data-element_type=\"widget\" data-e-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>Vous pouvez peut-\u00eatre ren\u00e9gocier votre contrat de pr\u00eat hypoth\u00e9caire. Vous pouvez, par exemple, convertir votre taux d\u2019int\u00e9r\u00eat variable en taux d\u2019int\u00e9r\u00eat fixe. Cette option peut vous aider \u00e0 r\u00e9duire vos paiements si les taux d\u2019int\u00e9r\u00eat sont trop \u00e9lev\u00e9s. En outre, le fait de conna\u00eetre le montant de vos paiements mensuels peut vous aider \u00e0 r\u00e9duire votre stress et \u00e0 mieux g\u00e9rer votre argent.<\/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-bd1f069 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"bd1f069\" data-element_type=\"widget\" data-e-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><b>2- Sauter un paiement<\/b><\/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-74263c8 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"74263c8\" data-element_type=\"widget\" data-e-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>Votre institution peut vous proposer une option de \u00ab saut de paiement \u00bb. Certaines appellent \u00e9galement cette option \u00ab pause de paiement \u00bb, \u00ab manquer un paiement \u00bb ou \u00ab faire une pause \u00bb. Votre institution vous autorise \u00e0 manquer un nombre maximum de paiements hypoth\u00e9caires par an. Si vous avez effectu\u00e9 des remboursements anticip\u00e9s de votre pr\u00eat hypoth\u00e9caire, elle pourrait utiliser ces montants pour couvrir les paiements non effectu\u00e9s. Si ce n\u2019est pas le cas, elle reportera vos paiements, de sorte que vous mettrez plus de temps \u00e0 rembourser enti\u00e8rement votre pr\u00eat hypoth\u00e9caire.<\/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-f442cc5 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"f442cc5\" data-element_type=\"widget\" data-e-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><b>3- Obtenir un report des paiements hypoth\u00e9caires<\/b><\/p><div>\u00a0<\/div>\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-650e64d mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"650e64d\" data-element_type=\"widget\" data-e-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>Dans le cas d\u2019un report de paiement, vous concluez un contrat avec votre institution financi\u00e8re. Ce contrat vous permet de retarder vos paiements hypoth\u00e9caires pendant une p\u00e9riode d\u00e9termin\u00e9e, g\u00e9n\u00e9ralement jusqu\u2019\u00e0 quatre mois. \u00c0 la fin de la p\u00e9riode de report, vous continuez \u00e0 effectuer vos paiements hypoth\u00e9caires. Tout comme pour l\u2019option de \u00ab saut de paiement \u00bb, vous devrez payer le montant report\u00e9, de sorte que le temps n\u00e9cessaire pour rembourser votre pr\u00eat hypoth\u00e9caire sera plus long.<\/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-05c0170 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"05c0170\" data-element_type=\"widget\" data-e-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><b>4- Prolonger l\u2019amortissement<\/b><\/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-76c948d mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"76c948d\" data-element_type=\"widget\" data-e-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 prolongation de la p\u00e9riode d\u2019amortissement permet de r\u00e9duire le montant des versements hypoth\u00e9caires. N\u2019oubliez pas cependant que plus vous mettez de temps \u00e0 rembourser votre pr\u00eat hypoth\u00e9caire, plus vous payez d\u2019int\u00e9r\u00eats. Pensez-y \u00e0 deux fois avant de prolonger votre amortissement pour r\u00e9duire vos paiements. Les frais d\u2019int\u00e9r\u00eat que vous devrez payer seront plus \u00e9lev\u00e9s. Cela peut repr\u00e9senter des milliers ou des dizaines de milliers de dollars au fil du temps.<\/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-b57135e mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"b57135e\" data-element_type=\"widget\" data-e-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>De nombreuses autres options s\u2019offrent \u00e0 vous. Pour en savoir plus sur les options d\u2019all\u00e9gement hypoth\u00e9caire, visitez le site web canada.ca\/argent.<\/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-2963327 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"2963327\" data-element_type=\"widget\" data-e-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>Source : \u00c9dition Nouvelles<\/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-166374c box_pera elementor-widget elementor-widget-text-editor\" data-id=\"166374c\" data-element_type=\"widget\" data-e-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<h1><b>Le r\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9\u2026 vous connaissez?<\/b><\/h1>\n<p>Le r\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 (RAP) est un programme qui vous permet de retirer de vos r\u00e9gimes enregistr\u00e9s d\u2019\u00e9pargne-retraite (REER) pour acheter ou construire une habitation admissible pour vous-m\u00eame ou pour une personne handicap\u00e9e d\u00e9termin\u00e9e. Actuellement, la limite de retrait du RAP est de 60 000 $.<\/p>\n<p>Vous pouvez retirer des sommes de votre REER dans le cadre du RAP et faire un retrait admissible de votre compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP) pour la m\u00eame habitation admissible, tant que vous remplissez toutes les conditions au moment de chaque retrait. Pour en savoir plus sur le CELIAPP, allez \u00e0 Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP).<\/p>\n<p><span style=\"color: var( --e-global-color-text ); font-style: inherit; font-weight: inherit;\">&nbsp;<\/span><\/p>\n<p><b>Pour obtenir tous les d\u00e9tails : https:\/\/www.canada.ca\/fr\/agence-revenu<\/b><\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>R\u00e9duire ses paiements hypoth\u00e9caires Le co\u00fbt \u00e9lev\u00e9 de la vie a des r\u00e9percussions sur les finances de nombreuses personnes. Si vous avez du mal \u00e0 payer votre pr\u00eat hypoth\u00e9caire, sachez que vous n\u2019\u00eates pas seul et qu\u2019il existe des moyens de r\u00e9duire le stress. Il est important de vous adresser \u00e0 votre institution financi\u00e8re d\u00e8s [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"page-categories":[],"class_list":["post-7840","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-json\/wp\/v2\/pages\/7840","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-json\/wp\/v2\/comments?post=7840"}],"version-history":[{"count":48,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-json\/wp\/v2\/pages\/7840\/revisions"}],"predecessor-version":[{"id":7946,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-json\/wp\/v2\/pages\/7840\/revisions\/7946"}],"wp:attachment":[{"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-json\/wp\/v2\/media?parent=7840"}],"wp:term":[{"taxonomy":"page-categories","embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/mon-portefeuille-2026\/wp-json\/wp\/v2\/page-categories?post=7840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}