{"id":21710,"date":"2023-08-23T00:00:00","date_gmt":"2023-08-23T00:00:00","guid":{"rendered":""},"modified":"2024-02-15T17:31:12","modified_gmt":"2024-02-15T17:31:12","slug":"comprendre-les-differents-types-de-prets-hypothecaires","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/","title":{"rendered":"Comprendre les diff\u00e9rents types de pr\u00eats hypoth\u00e9caires"},"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\/immobilier\/\">\n\t\t\t\t\t\t\t<span>Immobilier<\/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\">Comprendre les diff\u00e9rents types de pr\u00eats hypoth\u00e9caires<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/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-2023-07-26T104242.671.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Courtier immobilier et son client examinant des chiffres sur une calculatrice\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.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=Comprendre les diff\u00e9rents types de pr\u00eats hypoth\u00e9caires &#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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/\">\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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/\">\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 23 ao\u00fbt 2023 \u2022 7 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>Que vous ayez fait une demande de pr\u00eat hypoth\u00e9caire r\u00e9cemment ou il y a d\u00e9j\u00e0 quelques d\u00e9cennies, vous avez sans doute rapidement oubli\u00e9 tous les d\u00e9tails du processus, puisqu&rsquo;une fois fix\u00e9, vous n&rsquo;avez plus besoin d&rsquo;y revenir. Depuis votre derni\u00e8re demande, vous ne vous souvenez donc peut-\u00eatre plus des avantages des diff\u00e9rents types de pr\u00eats hypoth\u00e9caires propos\u00e9s.<\/p>\n\n\n\n<p>Nous passons en revue les types les plus courants de pr\u00eats hypoth\u00e9caires, afin de vous aider \u00e0 faire le meilleur choix.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hypoth\u00e8que \u00e0 taux fixe<b><\/b><\/h2>\n\n\n\n<p>Une hypoth\u00e8que \u00e0 taux fixe est assortie d&rsquo;un taux sp\u00e9cifique garanti pendant toute la dur\u00e9e du pr\u00eat hypoth\u00e9caire.<\/p>\n\n\n\n<p><b>Les avantages de l&rsquo;hypoth\u00e8que \u00e0 taux fixe :<\/b><\/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>Le taux d&rsquo;int\u00e9r\u00eat de votre hypoth\u00e8que n&rsquo;\u00e9voluera pas, si bien que vous n&rsquo;aurez pas de surprise pendant la dur\u00e9e de pr\u00eat.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les versements \u00e0 effectuer chaque mois seront pr\u00e9visibles.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous pourriez \u00eatre prot\u00e9g\u00e9 en cas d&rsquo;\u00e9volution d\u00e9favorable de l&rsquo;\u00e9conomie et de changement du taux pr\u00e9f\u00e9rentiel.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><b>Les inconv\u00e9nients de l&rsquo;hypoth\u00e8que \u00e0 taux fixe :<\/b><\/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>En contrepartie de la stabilit\u00e9 garantie, les hypoth\u00e8ques \u00e0 taux fixe affichent souvent un taux d&rsquo;int\u00e9r\u00eat plus \u00e9lev\u00e9 que les autres pr\u00eats hypoth\u00e9caires.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Si les taux d&rsquo;int\u00e9r\u00eat diminuent, vous ne pourrez pas profiter des \u00e9conomies potentielles sur ces co\u00fbts.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Hypoth\u00e8que \u00e0 taux variable<b><\/b><\/h2>\n\n\n\n<p>Le taux d&rsquo;int\u00e9r\u00eat d&rsquo;une hypoth\u00e8que \u00e0 taux variable fluctue au gr\u00e9 des changements du taux pr\u00e9f\u00e9rentiel de votre pr\u00eateur, influenc\u00e9 par l&rsquo;\u00e9volution du taux de financement \u00e0 un jour de la Banque du Canada.<\/p>\n\n\n\n<p><b>Les avantages de l&rsquo;hypoth\u00e8que \u00e0 taux variable :<\/b><\/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>Vous pourrez profiter de la baisse des taux d&rsquo;int\u00e9r\u00eat : si les taux baissent, vous \u00e9conomiserez sur les int\u00e9r\u00eats pendant la dur\u00e9e de votre pr\u00eat hypoth\u00e9caire.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous paierez probablement moins d&rsquo;int\u00e9r\u00eat, sur la dur\u00e9e, qu&rsquo;avec une hypoth\u00e8que \u00e0 taux fixe.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Bon nombre d&rsquo;hypoth\u00e8ques \u00e0 taux variable offrent la possibilit\u00e9 de changer pour une hypoth\u00e8que \u00e0 taux fixe pendant la dur\u00e9e du pr\u00eat.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><b>Les inconv\u00e9nients de l&rsquo;hypoth\u00e8que \u00e0 taux variable :<\/b><\/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>Si les taux d&rsquo;int\u00e9r\u00eat augmentent, vous paierez davantage d&rsquo;int\u00e9r\u00eats pendant la dur\u00e9e de votre pr\u00eat hypoth\u00e9caire.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous mettrez peut-\u00eatre plus de temps \u00e0 rembourser votre pr\u00eat hypoth\u00e9caire, car le montant du capital que vous payez varie en fonction de l&rsquo;\u00e9volution des taux d&rsquo;int\u00e9r\u00eat.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Avec une hypoth\u00e8que \u00e0 taux variable, les versements peuvent varier, si bien qu&rsquo;il est plus difficile d&rsquo;\u00e9tablir un budget.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Hypoth\u00e8que conventionnelle<b><\/b><\/h2>\n\n\n\n<p>Une hypoth\u00e8que conventionnelle est un pr\u00eat couvrant au maximum 80 % du prix d&rsquo;achat ou de la valeur estimative d&rsquo;une propri\u00e9t\u00e9. Cela signifie que vous payez 20 % du prix comme mise de fonds. Les hypoth\u00e8ques conventionnelles ne sont pas assur\u00e9es ni garanties par le gouvernement.<\/p>\n\n\n\n<p><b>Les avantages d&rsquo;une hypoth\u00e8que conventionnelle :<\/b><\/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>Gr\u00e2ce \u00e0 la mise de fonds plus importante, votre valeur nette immobili\u00e8re est directement plus \u00e9lev\u00e9e.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Comme votre valeur nette immobili\u00e8re atteint au moins 20 %, vous avez acc\u00e8s \u00e0 des outils financiers tels que la marge de cr\u00e9dit sur valeur nette.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous n&rsquo;avez pas besoin de verser de prime d&rsquo;assurance, ce qui r\u00e9duit vos versements mensuels.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les hypoth\u00e8ques conventionnelles exigent souvent moins de documents et peuvent \u00eatre obtenues plus rapidement.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><b>Les inconv\u00e9nients d&rsquo;une hypoth\u00e8que conventionnelle :<\/b><\/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>Il peut \u00eatre difficile de rassembler la mise de fonds requise de 20 %.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les crit\u00e8res d&rsquo;admission sont plus stricts que pour les hypoth\u00e8ques garanties par un assureur hypoth\u00e9caire.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pr\u00eat hypoth\u00e9caire \u00e0 ratio \u00e9lev\u00e9<b><\/b><\/h2>\n\n\n\n<p>Un pr\u00eat hypoth\u00e9caire \u00e0 ratio \u00e9lev\u00e9 est un pr\u00eat dont la valeur d\u00e9passe les 80 % de la valeur de la propri\u00e9t\u00e9. Vous devez verser une prime d&rsquo;assurance hypoth\u00e9caire \u00e0 l&rsquo;un des trois assureurs canadiens : la Soci\u00e9t\u00e9 canadienne d&rsquo;hypoth\u00e8ques et de logement (SCHL), Sagen ou Canada Guaranty.<\/p>\n\n\n\n<p><b>Les avantages d&rsquo;un pr\u00eat hypoth\u00e9caire \u00e0 ratio \u00e9lev\u00e9 :<\/b><\/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>En raison de l&rsquo;assurance, les pr\u00eats hypoth\u00e9caires \u00e0 ratio \u00e9lev\u00e9 sont souvent assortis de taux plus faibles que ceux des hypoth\u00e8ques conventionnelles.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Gr\u00e2ce aux pr\u00eats hypoth\u00e9caires \u00e0 ratio \u00e9lev\u00e9, les acheteurs peuvent entrer plus t\u00f4t sur le march\u00e9 immobilier, ou changer de maison de mani\u00e8re anticip\u00e9e.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><b>Les points \u00e0 prendre en compte pour un pr\u00eat hypoth\u00e9caire \u00e0 ratio \u00e9lev\u00e9 :<\/b><\/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>Vos versements hypoth\u00e9caires pourraient \u00eatre plus \u00e9lev\u00e9s du fait de l&rsquo;assurance requise, puisque la prime vient s&rsquo;ajouter \u00e0 vos versements normaux.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les pr\u00eats hypoth\u00e9caires \u00e0 ratio \u00e9lev\u00e9 sont disponibles uniquement pour les propri\u00e9t\u00e9s dont la valeur ne d\u00e9passe pas un million de dollars.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance libre<b><\/b><\/h2>\n\n\n\n<p>Une hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance libre vous permet de rembourser la totalit\u00e9, ou une partie, de votre pr\u00eat hypoth\u00e9caire \u00e0 tout moment pendant la dur\u00e9e de ce dernier, sans frais sur remboursement anticip\u00e9.<\/p>\n\n\n\n<p><b>Les avantages de l&rsquo;hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance libre :<\/b><\/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>Vous avez la flexibilit\u00e9 de rembourser le solde de votre hypoth\u00e8que \u00e0 tout moment, sans p\u00e9nalit\u00e9.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous pouvez ren\u00e9gocier \u00e0 tout moment les conditions de votre pr\u00eat hypoth\u00e9caire.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Il est g\u00e9n\u00e9ralement facile de transformer votre pr\u00eat en hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance fixe.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><b>Les points \u00e0 prendre en compte pour une hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance libre :<\/b><\/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>Les taux d&rsquo;int\u00e9r\u00eat sont souvent plus \u00e9lev\u00e9s pour les hypoth\u00e8ques \u00e0 \u00e9ch\u00e9ance libre que pour les hypoth\u00e8ques \u00e0 \u00e9ch\u00e9ance fixe.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les hypoth\u00e8ques \u00e0 \u00e9ch\u00e9ance libre ont g\u00e9n\u00e9ralement une dur\u00e9e plus courte.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les hypoth\u00e8ques \u00e0 \u00e9ch\u00e9ance libre sont g\u00e9n\u00e9ralement assorties de taux d&rsquo;int\u00e9r\u00eat variables ; en d&rsquo;autres termes, les taux peuvent fluctuer.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance fixe<b><\/b><\/h2>\n\n\n\n<p>Une hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance fixe ne peut \u00eatre rembours\u00e9e, ren\u00e9goci\u00e9e ou refinanc\u00e9e avant son \u00e9ch\u00e9ance sans frais sur remboursement anticip\u00e9. C&rsquo;est le type de pr\u00eat hypoth\u00e9caire le plus courant.<\/p>\n\n\n\n<p><b>Les avantages d&rsquo;une hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance fixe :<\/b><\/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>Les hypoth\u00e8ques \u00e0 \u00e9ch\u00e9ance fixe sont assorties de versements mensuels stables, qui vous permettent d&rsquo;\u00e9tablir votre budget avec certitude.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Leur taux d&rsquo;int\u00e9r\u00eat est plus faible et leur \u00e9ch\u00e9ance, plus lointaine que pour les hypoth\u00e8ques \u00e0 \u00e9ch\u00e9ance libre.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Certaines hypoth\u00e8ques \u00e0 \u00e9ch\u00e9ance fixe offrent des avantages en mati\u00e8re de remboursement anticip\u00e9. Il est ainsi parfois possible de proc\u00e9der \u00e0 un versement forfaitaire, de rembourser par anticipation un certain pourcentage du montant initial du pr\u00eat, ou de faire un versement en double.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><b>Les inconv\u00e9nients d&rsquo;une hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance fixe :<\/b><\/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>Des p\u00e9nalit\u00e9s pour remboursement anticip\u00e9 pourraient vous \u00eatre factur\u00e9es si vous devez ou souhaitez rembourser votre pr\u00eat hypoth\u00e9caire avant son \u00e9ch\u00e9ance.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>En mati\u00e8re d&rsquo;hypoth\u00e8que, le choix de la meilleure option d\u00e9pend de votre style de vie et de votre situation financi\u00e8re. Nous vous conseillons de discuter avec un professionnel en cr\u00e9dit hypoth\u00e9caire si vous souhaitez prendre une hypoth\u00e8que. Ce dernier vous aidera \u00e0 d\u00e9terminer la meilleure option et \u00e0 conna\u00eetre les avantages et inconv\u00e9nients de chacune des hypoth\u00e8ques, en fonction de votre situation personnelle.<\/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<h3 class=\"wp-block-heading\" id=\"h-quels-sont-vos-projets\">Quels sont vos projets ?<\/h3>\n\n\n\n<p>Que vous achetiez votre toute premi\u00e8re r\u00e9sidence ou que vous souhaitiez r\u00e9nover votre logement actuel, investir ou renouveler votre hypoth\u00e8que, nous pouvons vous aider \u00e0 explorer les options qui s\u2019offrent \u00e0 vous et \u00e0 trouver les solutions qui r\u00e9pondent le mieux \u00e0 vos besoins. <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/hypotheques\/index.html\" data-dig-id=\"LP-21710-6bbd8cb4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"En savoir plus\" class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\">En savoir plus<\/a><\/p>\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-4b4027d9-2084-436d-ba51-74d2f27e4a1d\" 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=Comprendre les diff\u00e9rents types de pr\u00eats hypoth\u00e9caires &#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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/\">\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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/\">\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-8426dc6c-2a9a-4391-a1f4-359360cece13\" 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\/immobilier\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Immobilier<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Thumbnail-default-678.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Thumbnail-default-678.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Thumbnail-default-678.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Thumbnail-default-678.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\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-dune-maison\/achat-dune-premiere-maison\/\">\n\t\t\t\t\t\tAchat d\u2019une premi\u00e8re maison\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-dune-maison\/achat-dune-premiere-maison\/achat-dune-maison-101-5-etapes-pour-determiner-vos-besoins-liste-de-verification\/\" class=\"card-title h4 mar-t-0\">ACHAT D\u2019UNE MAISON 101 : 5 \u00e9tapes pour d\u00e9terminer vos besoins [LISTE DE V\u00c9RIFICATION]<\/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\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une main tient un disque avec un symbole de pourcentage dessus, et des fl\u00e8ches vers le haut et vers le bas au-dessus et en dessous du disque pour refl\u00e9ter l&#039;annonce du taux du 17 septembre 2025.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg 5233w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.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\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/\">\n\t\t\t\t\t\tComprendre les taux d\u2019int\u00e9r\u00eat\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\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/annonce-de-taux-d-interet-de-la-banque-du-canada\/\" class=\"card-title h4 mar-t-0\">D\u00e9mystification du taux d&rsquo;int\u00e9r\u00eat de la Banque du Canada et son incidence sur votre pr\u00eat hypoth\u00e9caire<\/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=\"678\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une maison de jouets en bois \u00e0 c\u00f4t\u00e9 d&#039;un bloc-notes\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg 4928w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=300,199 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=768,509 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=1024,678 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=1536,1017 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=2048,1356 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-dune-maison\/achat-dune-premiere-maison\/\">\n\t\t\t\t\t\tAchat d\u2019une premi\u00e8re maison\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-dune-maison\/achat-dune-premiere-maison\/de-combien-dargent-avez-vous-vraiment-besoin-pour-acheter-votre-premiere-maison-au-canada\/\" class=\"card-title h4 mar-t-0\">De combien d\u2019argent avez-vous vraiment besoin pour acheter votre premi\u00e8re maison au Canada?<\/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-4b4027d9-2084-436d-ba51-74d2f27e4a1d {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-4b4027d9-2084-436d-ba51-74d2f27e4a1d {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-8426dc6c-2a9a-4391-a1f4-359360cece13 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-8426dc6c-2a9a-4391-a1f4-359360cece13 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>D\u00e9couvrez les types d&rsquo;hypoth\u00e8ques les plus courants et les avantages et inconv\u00e9nients de chaque option.<\/p>\n","protected":false},"author":113,"featured_media":21711,"parent":6526,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[134],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[135],"rbc_difficulty_level":[123],"rbc_mmm_category":[37,63,30],"class_list":["post-21710","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-immobilier","rbc_content_type-article","rbc_lob_group-pret-hypothecaire","rbc_difficulty_level-beginner","rbc_mmm_category-achat-dune-maison","rbc_mmm_category-achat-dune-premiere-maison","rbc_mmm_category-objectifs-et-aspirations"],"acf":{"contently_publication_id":"367437","custom_author":"Diane Amato","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","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=\"D\u00e9couvrez les types d&#039;hypoth\u00e8ques les plus courants et les avantages et inconv\u00e9nients de chaque option.\" \/>\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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez les types d&#039;hypoth\u00e8ques les plus courants et les avantages et inconv\u00e9nients de chaque option.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Banque Royale\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-15T17:31:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.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=\"6 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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/\",\"url\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/\",\"name\":\"Comprendre les diff\u00e9rents types de pr\u00eats hypoth\u00e9caires - 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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.jpg?quality=80\",\"datePublished\":\"2023-08-23T00:00:00+00:00\",\"dateModified\":\"2024-02-15T17:31:12+00:00\",\"description\":\"D\u00e9couvrez les types d'hypoth\u00e8ques les plus courants et les avantages et inconv\u00e9nients de chaque option.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#primaryimage\",\"url\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.jpg?quality=80\",\"contentUrl\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.jpg?quality=80\",\"width\":930,\"height\":620,\"caption\":\"Courtier immobilier et son client examinant des chiffres sur une calculatrice\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#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;une Maison\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Achat d\u2019une premi\u00e8re maison\",\"item\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Comprendre les diff\u00e9rents types de pr\u00eats hypoth\u00e9caires\"}]},{\"@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":"D\u00e9couvrez les types d'hypoth\u00e8ques les plus courants et les avantages et inconv\u00e9nients de chaque option.","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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/","og_locale":"fr_FR","og_type":"article","og_description":"D\u00e9couvrez les types d'hypoth\u00e8ques les plus courants et les avantages et inconv\u00e9nients de chaque option.","og_url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/","og_site_name":"RBC Banque Royale","article_modified_time":"2024-02-15T17:31:12+00:00","og_image":[{"width":930,"height":620,"url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.jpg?quality=80","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/","name":"Comprendre les diff\u00e9rents types de pr\u00eats hypoth\u00e9caires - 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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#primaryimage"},"image":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.jpg?quality=80","datePublished":"2023-08-23T00:00:00+00:00","dateModified":"2024-02-15T17:31:12+00:00","description":"D\u00e9couvrez les types d'hypoth\u00e8ques les plus courants et les avantages et inconv\u00e9nients de chaque option.","breadcrumb":{"@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#primaryimage","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.jpg?quality=80","contentUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.jpg?quality=80","width":930,"height":620,"caption":"Courtier immobilier et son client examinant des chiffres sur une calculatrice"},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/#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;une Maison","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/"},{"@type":"ListItem","position":4,"name":"Achat d\u2019une premi\u00e8re maison","item":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/"},{"@type":"ListItem","position":5,"name":"Comprendre les diff\u00e9rents types de pr\u00eats hypoth\u00e9caires"}]},{"@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-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Comprendre les diff\u00e9rents types de pr\u00eats hypoth\u00e9caires","url":"http:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/comprendre-les-differents-types-de-prets-hypothecaires\/"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T104242.671.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-2023-07-26T104242.671.jpg?quality=80"},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"malaysherasia"}],"creator":["malaysherasia"],"publisher":{"@type":"Organization","name":"RBC Banque Royale","logo":""},"keywords":["immobilier"],"dateCreated":"2023-08-23T00:00:00Z","datePublished":"2023-08-23T00:00:00Z","dateModified":"2024-02-15T17:31:12Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Comprendre les diff\\u00e9rents types de pr\\u00eats hypoth\\u00e9caires\",\"url\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/mes-finances-dabord\\\/objectifs-et-aspirations\\\/achat-dune-maison\\\/achat-dune-premiere-maison\\\/comprendre-les-differents-types-de-prets-hypothecaires\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/mes-finances-dabord\\\/objectifs-et-aspirations\\\/achat-dune-maison\\\/achat-dune-premiere-maison\\\/comprendre-les-differents-types-de-prets-hypothecaires\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/wp-content\\\/uploads\\\/sites\\\/13\\\/2023\\\/09\\\/Untitled-design-2023-07-26T104242.671.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-2023-07-26T104242.671.jpg?quality=80\"},\"articleSection\":\"Uncategorized\",\"author\":[{\"@type\":\"Person\",\"name\":\"malaysherasia\"}],\"creator\":[\"malaysherasia\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"RBC Banque Royale\",\"logo\":\"\"},\"keywords\":[\"immobilier\"],\"dateCreated\":\"2023-08-23T00:00:00Z\",\"datePublished\":\"2023-08-23T00:00:00Z\",\"dateModified\":\"2024-02-15T17:31:12Z\"}<\/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-2023-07-26T104242.671.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 23 ao\u00fbt 2023","modified":"Mise \u00e0 jour le 15 f\u00e9vrier 2024"},"absolute_dates_time":{"created":"Publi\u00e9 le 23 ao\u00fbt 2023 12:00  ","modified":"Mise \u00e0 jour le 15 f\u00e9vrier 2024 5:31  "},"featured_img_caption":"","tax_additional":{"post_tag":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/immobilier\/\" class=\"advgb-post-tax-term\">Immobilier<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Immobilier<\/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\/pret-hypothecaire\/\" class=\"advgb-post-tax-term\">Pr\u00eat hypoth\u00e9caire<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Pr\u00eat hypoth\u00e9caire<\/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-dune-maison\/\" class=\"advgb-post-tax-term\">Achat D\u2019une Maison<\/a>","<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mmm-category\/achat-dune-premiere-maison\/\" class=\"advgb-post-tax-term\">Achat d\u2019une premi\u00e8re maison<\/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\u2019une Maison<\/span>","<span class=\"advgb-post-tax-term\">Achat d\u2019une premi\u00e8re maison<\/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":"134","primary_rbc_mmm_category":"63","_links":{"self":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/21710","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":2,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/21710\/revisions"}],"predecessor-version":[{"id":27389,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/21710\/revisions\/27389"}],"up":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/6526"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/media\/21711"}],"wp:attachment":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/media?parent=21710"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/tags?post=21710"},{"taxonomy":"rbc_content_type","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_content_type?post=21710"},{"taxonomy":"rbc_audience","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_audience?post=21710"},{"taxonomy":"rbc_lob_group","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_lob_group?post=21710"},{"taxonomy":"rbc_difficulty_level","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_difficulty_level?post=21710"},{"taxonomy":"rbc_mmm_category","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_mmm_category?post=21710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}