{"id":21504,"date":"2023-08-25T00:00:00","date_gmt":"2023-08-25T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/"},"modified":"2024-02-26T20:11:33","modified_gmt":"2024-02-26T20:11:33","slug":"limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/","title":{"rendered":"L&rsquo;impact de la cote de solvabilit\u00e9 sur le taux d&rsquo;int\u00e9r\u00eat d&rsquo;un pr\u00eat-auto"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">L&rsquo;impact de la cote de solvabilit\u00e9 sur le taux d&rsquo;int\u00e9r\u00eat d&rsquo;un pr\u00eat-auto<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Jacob Henriksen-Willis<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Rang\u00e9e de piles de pi\u00e8ces de monnaie sur une table et voiture jouet gravissant ces piles\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=L&rsquo;impact de la cote de solvabilit\u00e9 sur le taux d&rsquo;int\u00e9r\u00eat d&rsquo;un pr\u00eat-auto &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 25 ao\u00fbt 2023 \u2022 4 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Lorsque vous \u00eates \u00e0 la recherche d&rsquo;un pr\u00eat automobile, votre cote de solvabilit\u00e9 aura une incidence sur les types de pr\u00eats et les conditions qui vous seront propos\u00e9s. Il est donc important de conna\u00eetre votre cote \u00e0 l&rsquo;avance et de savoir comment elle peut influer sur votre demande. Voici donc comment cette cote peut influer sur le taux de votre pr\u00eat-auto.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ma cote de solvabilit\u00e9 est-elle solide ?<b><\/b><\/h2>\n\n\n\n<p>Votre cote de solvabilit\u00e9 est exprim\u00e9e par un nombre \u00e0 trois chiffres compris entre 300 et 900. Bien que la m\u00e9thode exacte de calcul des cotes par les agences d&rsquo;\u00e9valuation du cr\u00e9dit soit propre \u00e0 chacune d&rsquo;entre elles, les cotes s&rsquo;\u00e9chelonnent g\u00e9n\u00e9ralement de la mani\u00e8re suivante :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>300-649 : Faible \u00e0 passable<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>650-725 : Bonne<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>725-760 : Tr\u00e8s bonne<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>760-900 : Excellente<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>La plupart des concessionnaires exigent une cote de solvabilit\u00e9 minimale pour accorder un pr\u00eat. En g\u00e9n\u00e9ral, celle-ci se situe entre 550 et 600, mais ce chiffre varie d&rsquo;un concessionnaire \u00e0 l&rsquo;autre. Il est important de noter que le fait de satisfaire aux exigences en mati\u00e8re de cote de solvabilit\u00e9 ne garantit pas que votre pr\u00eat sera approuv\u00e9. D&rsquo;autres facteurs tels que l&#8217;emploi, une \u00e9ventuelle faillite, l&rsquo;actif et le passif peuvent \u00e9galement influer sur l&rsquo;approbation du pr\u00eat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu&rsquo;est-ce qu&rsquo;une \u00ab\u00a0bonne affaire\u00a0\u00bb ?<b><\/b><\/h3>\n\n\n\n<p>La plupart des n\u00e9gociations de pr\u00eat automobile portent sur les taux d&rsquo;int\u00e9r\u00eat, lesquels varient consid\u00e9rablement en fonction de votre cote de solvabilit\u00e9. Les int\u00e9r\u00eats correspondent aux frais que le pr\u00eateur vous impose pour avoir le privil\u00e8ge de lui emprunter des fonds. Ces frais sont pr\u00e9sent\u00e9s sous la forme d&rsquo;un pourcentage du montant total de votre pr\u00eat. Selon Statistique Canada, le taux d&rsquo;int\u00e9r\u00eat moyen pour un pr\u00eat automobile au Canada est d&rsquo;environ 7,69 % (en avril 2023). Il s&rsquo;agit d&rsquo;une bonne valeur de r\u00e9f\u00e9rence pour \u00e9valuer votre convention de pr\u00eat.<\/p>\n\n\n\n<p>Si votre cote de solvabilit\u00e9 est plus \u00e9lev\u00e9e, les pr\u00eateurs seront peut-\u00eatre plus enclins \u00e0 vous consentir un pr\u00eat assorti d&rsquo;un taux d&rsquo;int\u00e9r\u00eat moins \u00e9lev\u00e9. Les emprunteurs ayant une cote de solvabilit\u00e9 moins \u00e9lev\u00e9e peuvent pr\u00e9senter plus de risques, et les pr\u00eateurs exigeront probablement plus d&rsquo;int\u00e9r\u00eats en cons\u00e9quence. Le taux d&rsquo;int\u00e9r\u00eat peut atteindre 30 % ou plus dans certains cas. Le fait d&rsquo;avoir un cosignataire ou de verser un acompte peut \u00e9galement augmenter vos chances d&rsquo;obtenir un pr\u00eat \u00e0 faible taux d&rsquo;int\u00e9r\u00eat.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Calculez facilement vos versements sur pr\u00eat-auto avec la&nbsp;<a href=\"https:\/\/apps.royalbank.com\/apps\/car-loans\/payment-calculator\/\" target=\"_blank\" rel=\"noreferrer noopener\">Calculatrice des versements sur pr\u00eat-auto<\/a>&nbsp;de RBC pour voir comment votre taux d\u2019int\u00e9r\u00eat, votre acompte et la dur\u00e9e du financement pourraient influer sur vos versements.<\/p>\n<\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Comment puis-je am\u00e9liorer ma cote de solvabilit\u00e9 ?<b><\/b><\/h4>\n\n\n\n<p>Si vous pensez que votre cote de solvabilit\u00e9 pourrait vous emp\u00eacher d&rsquo;obtenir la transaction que vous souhaitez, il pourrait \u00eatre utile de l&rsquo;am\u00e9liorer. Bien qu&rsquo;il existe plusieurs fa\u00e7ons d&rsquo;y parvenir, des habitudes de base comme r\u00e9gler les factures \u00e0 temps et ne pas utiliser tout le cr\u00e9dit dont vous disposez peuvent se r\u00e9v\u00e9ler d\u00e9terminantes.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">Lire ensuite:\u00a0<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/\" target=\"_blank\" data-dig-id=\"LP-21504-c1cf2093\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile<\/a><\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Les clients de RBC Banque en direct peuvent v\u00e9rifier leur cote de solvabilit\u00e9 gratuitement&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/modes-dacces\/tutoriels\/conseils-financiers\/verification-cote-solvabilite.html\" target=\"_blank\" rel=\"noreferrer noopener\">en suivant ces indications<\/a>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group mar-b has-cool-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized mar-l-hlf mar-r\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/07\/Picture1.png?quality=80\" alt=\"Personne saisissant les d\u00e9tails de sa carte de cr\u00e9dit sur un ordinateur portable\" class=\"wp-image-85053\" style=\"aspect-ratio:1;object-fit:cover;width:215px;height:auto\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Vous avez besoin d\u2019une nouvelle voiture&nbsp;?<\/h4>\n\n\n\n<p><a href=\"https:\/\/apps.royalbank.com\/apps\/my-auto-affordability?lang=fr#!\/main\/welcome\" target=\"_blank\" data-dig-id=\"LP-21540-636860b5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"D\u00e9terminez \" rel=\"noreferrer noopener\" class=\"rbc-link-format\">D\u00e9terminez <\/a>combien vous pouvez vous permettre de payer avant de vous pr\u00e9senter chez le concessionnaire.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/fr\/pret-auto\/\" target=\"_blank\" data-dig-id=\"LP-21540-ad9f54a4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Utilisez la\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Utilisez la<\/a> Calculatrice des versements sur pr\u00eat-auto de RBC et renseignez-vous sur les options de financement du nouveau v\u00e9hicule.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-c46000c4-e2ec-4b14-829f-3a2ba55f6a2c\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=L&rsquo;impact de la cote de solvabilit\u00e9 sur le taux d&rsquo;int\u00e9r\u00eat d&rsquo;un pr\u00eat-auto &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-bd26e391-0323-40ca-ba3d-709e73b111a8\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/credit-et-dette\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">cr\u00e9dit et dette<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-638220602.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un concessionnaire automobile ouvre la porte d\u2019une petite voiture grise et en explique les caract\u00e9ristiques, tandis qu\u2019une acheteuse souriante regarde l\u2019int\u00e9rieur de la voiture\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-638220602.jpg 2121w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-638220602.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-638220602.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-638220602.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-638220602.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/iStock-638220602.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/\">\n\t\t\t\t\t\tFinancement d\u2019une voiture\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/liste-de-verification-acheteurs-de-voiture\/\" class=\"card-title h4 mar-t-0\">8 questions importantes \u00e0 poser lors de l\u2019achat d\u2019une voiture<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/10\/iStock-1210355637.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Sous le regard de sa femme, un homme s\u2019accroupit \u00e0 c\u00f4t\u00e9 d\u2019une voiture blanche chez un concessionnaire, dont il inspecte l\u2019avant tout en s\u2019adressant \u00e0 lui.\u00a0\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/10\/iStock-1210355637.jpg 2121w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/10\/iStock-1210355637.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/10\/iStock-1210355637.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/10\/iStock-1210355637.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/10\/iStock-1210355637.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/10\/iStock-1210355637.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/\">\n\t\t\t\t\t\tFinancement d\u2019une voiture\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/guide-achat-voiture\/\" class=\"card-title h4 mar-t-0\">7\u00a0facteurs cl\u00e9s \u00e0 prendre en consid\u00e9ration lors de l\u2019achat d\u2019un nouveau v\u00e9hicule<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/Image-for-AF-article_-Buying-a-Car-in-a-High-Cost-Environment.jpg_draft_1.jpeg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Joyeux couple multiracial recevant les cl\u00e9s de leur nouvelle voiture de la part d&#039;une vendeuse dans la salle d&#039;exposition.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/Image-for-AF-article_-Buying-a-Car-in-a-High-Cost-Environment.jpg_draft_1.jpeg 2121w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/Image-for-AF-article_-Buying-a-Car-in-a-High-Cost-Environment.jpg_draft_1.jpeg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/Image-for-AF-article_-Buying-a-Car-in-a-High-Cost-Environment.jpg_draft_1.jpeg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/Image-for-AF-article_-Buying-a-Car-in-a-High-Cost-Environment.jpg_draft_1.jpeg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/Image-for-AF-article_-Buying-a-Car-in-a-High-Cost-Environment.jpg_draft_1.jpeg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/Image-for-AF-article_-Buying-a-Car-in-a-High-Cost-Environment.jpg_draft_1.jpeg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/trouver-la-bonne-voiture\/\">\n\t\t\t\t\t\tTrouver la bonne voiture\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/trouver-la-bonne-voiture\/acheter-une-voiture-dans-un-contexte-de-couts-eleves\/\" class=\"card-title h4 mar-t-0\">Acheter une voiture dans un contexte de co\u00fbts \u00e9lev\u00e9s<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-c46000c4-e2ec-4b14-829f-3a2ba55f6a2c {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-c46000c4-e2ec-4b14-829f-3a2ba55f6a2c {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-bd26e391-0323-40ca-ba3d-709e73b111a8 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-bd26e391-0323-40ca-ba3d-709e73b111a8 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>\u00c9vitez les mauvaises surprises lors de la n\u00e9gociation d&rsquo;un pr\u00eat-auto en connaissant votre cote de solvabilit\u00e9 et ses cons\u00e9quences.<\/p>\n","protected":false},"author":113,"featured_media":21505,"parent":6532,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[289],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[270],"rbc_difficulty_level":[123],"rbc_mmm_category":[38,69,30],"class_list":["post-21504","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-credit-et-dette","rbc_content_type-article","rbc_lob_group-financement-auto","rbc_difficulty_level-beginner","rbc_mmm_category-achat-dun-vehicule","rbc_mmm_category-financement-dune-voiture","rbc_mmm_category-objectifs-et-aspirations"],"acf":{"contently_publication_id":"364238","custom_author":"Jacob Henriksen-Willis","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"\u00c9vitez les mauvaises surprises lors de la n\u00e9gociation d&#039;un pr\u00eat-auto en connaissant votre cote de solvabilit\u00e9 et ses cons\u00e9quences.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"\u00c9vitez les mauvaises surprises lors de la n\u00e9gociation d&#039;un pr\u00eat-auto en connaissant votre cote de solvabilit\u00e9 et ses cons\u00e9quences.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Banque Royale\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-26T20:11:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/\",\"url\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/\",\"name\":\"L'impact de la cote de solvabilit\u00e9 sur le taux d'int\u00e9r\u00eat d'un pr\u00eat-auto - Mes finances d\u2019abord\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80\",\"datePublished\":\"2023-08-25T00:00:00+00:00\",\"dateModified\":\"2024-02-26T20:11:33+00:00\",\"description\":\"\u00c9vitez les mauvaises surprises lors de la n\u00e9gociation d'un pr\u00eat-auto en connaissant votre cote de solvabilit\u00e9 et ses cons\u00e9quences.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#primaryimage\",\"url\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80\",\"contentUrl\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80\",\"width\":930,\"height\":620,\"caption\":\"Rang\u00e9e de piles de pi\u00e8ces de monnaie sur une table et voiture jouet gravissant ces piles\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Mes finances d\u2019abord\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Objectifs et Aspirations\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Achat D&rsquo;un V\u00e9hicule\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Financement d\u2019une voiture\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"L&#8217;impact de la cote de solvabilit\u00e9 sur le taux d&#8217;int\u00e9r\u00eat d&#8217;un pr\u00eat-auto\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/#website\",\"url\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/\",\"name\":\"RBC Banque Royale\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"description":"\u00c9vitez les mauvaises surprises lors de la n\u00e9gociation d'un pr\u00eat-auto en connaissant votre cote de solvabilit\u00e9 et ses cons\u00e9quences.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/","og_locale":"fr_FR","og_type":"article","og_description":"\u00c9vitez les mauvaises surprises lors de la n\u00e9gociation d'un pr\u00eat-auto en connaissant votre cote de solvabilit\u00e9 et ses cons\u00e9quences.","og_url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/","og_site_name":"RBC Banque Royale","article_modified_time":"2024-02-26T20:11:33+00:00","og_image":[{"width":930,"height":620,"url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/","name":"L'impact de la cote de solvabilit\u00e9 sur le taux d'int\u00e9r\u00eat d'un pr\u00eat-auto - Mes finances d\u2019abord","isPartOf":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#primaryimage"},"image":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80","datePublished":"2023-08-25T00:00:00+00:00","dateModified":"2024-02-26T20:11:33+00:00","description":"\u00c9vitez les mauvaises surprises lors de la n\u00e9gociation d'un pr\u00eat-auto en connaissant votre cote de solvabilit\u00e9 et ses cons\u00e9quences.","breadcrumb":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#primaryimage","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80","contentUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80","width":930,"height":620,"caption":"Rang\u00e9e de piles de pi\u00e8ces de monnaie sur une table et voiture jouet gravissant ces piles"},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Mes finances d\u2019abord","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/"},{"@type":"ListItem","position":2,"name":"Objectifs et Aspirations","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/"},{"@type":"ListItem","position":3,"name":"Achat D&rsquo;un V\u00e9hicule","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/"},{"@type":"ListItem","position":4,"name":"Financement d\u2019une voiture","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/"},{"@type":"ListItem","position":5,"name":"L&#8217;impact de la cote de solvabilit\u00e9 sur le taux d&#8217;int\u00e9r\u00eat d&#8217;un pr\u00eat-auto"}]},{"@type":"WebSite","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/#website","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/","name":"RBC Banque Royale","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"}]}},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"L&rsquo;impact de la cote de solvabilit\u00e9 sur le taux d&rsquo;int\u00e9r\u00eat d&rsquo;un pr\u00eat-auto","url":"http:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dun-vehicule\/financement-dune-voiture\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\/"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80&w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80"},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"malaysherasia"}],"creator":["malaysherasia"],"publisher":{"@type":"Organization","name":"RBC Banque Royale","logo":""},"keywords":["cr\u00e9dit et dette"],"dateCreated":"2023-08-25T00:00:00Z","datePublished":"2023-08-25T00:00:00Z","dateModified":"2024-02-26T20:11:33Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"L&rsquo;impact de la cote de solvabilit\\u00e9 sur le taux d&rsquo;int\\u00e9r\\u00eat d&rsquo;un pr\\u00eat-auto\",\"url\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/mes-finances-dabord\\\/objectifs-et-aspirations\\\/achat-dun-vehicule\\\/financement-dune-voiture\\\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/mes-finances-dabord\\\/objectifs-et-aspirations\\\/achat-dun-vehicule\\\/financement-dune-voiture\\\/limpact-de-la-cote-de-solvabilite-sur-le-taux-dinteret-dun-pret-auto\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/wp-content\\\/uploads\\\/sites\\\/13\\\/2023\\\/09\\\/Untitled-design-2023-07-11T135136.717.jpg?quality=80&w=150&h=150&crop=1\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/wp-content\\\/uploads\\\/sites\\\/13\\\/2023\\\/09\\\/Untitled-design-2023-07-11T135136.717.jpg?quality=80\"},\"articleSection\":\"Uncategorized\",\"author\":[{\"@type\":\"Person\",\"name\":\"malaysherasia\"}],\"creator\":[\"malaysherasia\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"RBC Banque Royale\",\"logo\":\"\"},\"keywords\":[\"cr\\u00e9dit et dette\"],\"dateCreated\":\"2023-08-25T00:00:00Z\",\"datePublished\":\"2023-08-25T00:00:00Z\",\"dateModified\":\"2024-02-26T20:11:33Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/rbcroyalbank.com\/p.js"},"featured_img":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-11T135136.717.jpg?quality=80&w=930","coauthors":[],"author_meta":{"author_link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/author\/malaysherasia\/","display_name":"malaysherasia"},"relative_dates":{"created":"Publi\u00e9 3 ans il y a","modified":"Mis \u00e0 jour 2 ans il y a"},"absolute_dates":{"created":"Publi\u00e9 le 25 ao\u00fbt 2023","modified":"Mise \u00e0 jour le 26 f\u00e9vrier 2024"},"absolute_dates_time":{"created":"Publi\u00e9 le 25 ao\u00fbt 2023 12:00  ","modified":"Mise \u00e0 jour le 26 f\u00e9vrier 2024 8:11  "},"featured_img_caption":"","tax_additional":{"post_tag":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/credit-et-dette\/\" class=\"advgb-post-tax-term\">cr\u00e9dit et dette<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">cr\u00e9dit et dette<\/span>"],"slug":"post_tag","name":"\u00c9tiquettes"},"rbc_content_type":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/content-type\/article\/\" class=\"advgb-post-tax-term\">Article<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Article<\/span>"],"slug":"rbc_content_type","name":"Content Types"},"rbc_audience":{"linked":[],"unlinked":[],"slug":"rbc_audience","name":"Audiences"},"rbc_lob_group":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/lob-group\/financement-auto\/\" class=\"advgb-post-tax-term\">Financement auto<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Financement auto<\/span>"],"slug":"rbc_lob_group","name":"LOB Groups"},"rbc_difficulty_level":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/difficulty-level\/beginner\/\" class=\"advgb-post-tax-term\">Beginner<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Beginner<\/span>"],"slug":"rbc_difficulty_level","name":"Difficulty Levels"},"rbc_mmm_category":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/achat-dun-vehicule\/\" class=\"advgb-post-tax-term\">Achat D\u2019un V\u00e9hicule<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/financement-dune-voiture\/\" class=\"advgb-post-tax-term\">Financement d\u2019une voiture<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/objectifs-et-aspirations\/\" class=\"advgb-post-tax-term\">Objectifs et Aspirations<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Achat D\u2019un V\u00e9hicule<\/span>","<span class=\"advgb-post-tax-term\">Financement d\u2019une voiture<\/span>","<span class=\"advgb-post-tax-term\">Objectifs et Aspirations<\/span>"],"slug":"rbc_mmm_category","name":"Categories"},"ep_custom_result":{"linked":[],"unlinked":[],"slug":"ep_custom_result","name":"Custom Results"}},"series_order":"","jetpack_sharing_enabled":true,"primary_tag":"289","primary_rbc_mmm_category":"69","_links":{"self":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/21504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter"}],"about":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/types\/rbc_my_money_matter"}],"author":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/users\/113"}],"version-history":[{"count":5,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/21504\/revisions"}],"predecessor-version":[{"id":27977,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/21504\/revisions\/27977"}],"up":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/6532"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/media\/21505"}],"wp:attachment":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/media?parent=21504"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/tags?post=21504"},{"taxonomy":"rbc_content_type","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_content_type?post=21504"},{"taxonomy":"rbc_audience","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_audience?post=21504"},{"taxonomy":"rbc_lob_group","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_lob_group?post=21504"},{"taxonomy":"rbc_difficulty_level","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_difficulty_level?post=21504"},{"taxonomy":"rbc_mmm_category","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_mmm_category?post=21504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}