{"id":22463,"date":"2023-08-03T00:00:00","date_gmt":"2023-08-03T00:00:00","guid":{"rendered":"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\/"},"modified":"2024-03-05T19:02:18","modified_gmt":"2024-03-05T19:02:18","slug":"5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile","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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/","title":{"rendered":"5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile"},"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\/automobile\/\">\n\t\t\t\t\t\t\t<span>Automobile<\/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\">5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile<\/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\/TD-2022-10-18T122120.323.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une voiture-jouet jaune sur un bureau\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.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=5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile &#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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/\">\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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/\">\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 3 ao\u00fbt 2023 \u2022 5 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>Se procurer une nouvelle voiture, c&rsquo;est souvent une exp\u00e9rience emballante, mais pour les premiers acheteurs, le processus de demande de financement automobile peut sembler compliqu\u00e9, voire d\u00e9routant.<\/p>\n\n\n\n<p>Les renseignements suivants vous aideront \u00e0 comprendre le financement automobile et \u00e0 obtenir la meilleure entente possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pr\u00eats-auto : les notions de base<\/h2>\n\n\n\n<p>Un pr\u00eat-auto s&rsquo;entend de l&#8217;emprunt d&rsquo;un montant d\u00e9termin\u00e9 d&rsquo;argent aupr\u00e8s de votre institution bancaire ou d&rsquo;un concessionnaire \u00e0 un taux d&rsquo;int\u00e9r\u00eat convenu au pr\u00e9alable. On vous donne ensuite un certain d\u00e9lai pour rembourser la somme. Il s&rsquo;agit du \u00ab terme \u00bb du pr\u00eat. Vous devez payer une partie pr\u00e9\u00e9tablie de votre pr\u00eat toutes les semaines, toutes les deux semaines ou tous les mois pendant la dur\u00e9e de celui-ci. Vous vous engagez aussi \u00e0 payer des int\u00e9r\u00eats sur le capital du pr\u00eat.<\/p>\n\n\n\n<p>C&rsquo;est un processus relativement simple en th\u00e9orie, mais il y a certaines choses importantes \u00e0 faire avant de commencer :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Magasiner et comparer les taux<\/h3>\n\n\n\n<p>Les termes et les taux d&rsquo;int\u00e9r\u00eat peuvent varier d&rsquo;un concessionnaire \u00e0 l&rsquo;autre. En faisant quelques recherches, vous aurez de meilleures chances de conclure une bonne affaire. Voici quelques pistes \u00e0 explorer :<\/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>Montant du pr\u00eat \u2013 La plupart des pr\u00eateurs ont un montant minimal et un montant maximal pour le pr\u00eat qu&rsquo;ils offrent.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Taux d&rsquo;int\u00e9r\u00eat \u2013 Magasinez afin de trouver le taux d&rsquo;int\u00e9r\u00eat le plus bas possible, car cela aura une incidence sur votre co\u00fbt d&#8217;emprunt global.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Terme du pr\u00eat \u2013 En g\u00e9n\u00e9ral, les pr\u00eats ont une dur\u00e9e de 36 \u00e0 96 mois. Vos versements mensuels (ou hebdomadaires) et la somme totale pay\u00e9e d\u00e9pendront du terme du pr\u00eat. Si vous effectuez de petits versements \u00e9tal\u00e9s sur une plus longue dur\u00e9e, cela vous co\u00fbtera plus cher au bout du compte. Prenez en consid\u00e9ration la valeur totale du pr\u00eat que vous rembourserez au moment de choisir le terme.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. V\u00e9rifier son rapport de solvabilit\u00e9<\/h3>\n\n\n\n<p>Votre rapport de solvabilit\u00e9 fait \u00e9tat de votre situation actuelle en mati\u00e8re de cr\u00e9dit. Celle-ci inclut vos dettes et vos ant\u00e9c\u00e9dents de cr\u00e9dit. Ces donn\u00e9es servent \u00e0 d\u00e9terminer votre cote de solvabilit\u00e9, soit un nombre \u00e0 trois chiffres pouvant aller de 300 \u00e0 850. Plus votre cote est \u00e9lev\u00e9e, plus votre demande de financement automobile est susceptible d&rsquo;\u00eatre approuv\u00e9e.<\/p>\n\n\n\n<p>Les clients de RBC Banque en direct peuvent <a href=\"https:\/\/www.rbcroyalbank.com\/dms\/olb\/credit-score\/index.html\">v\u00e9rifier leur cote de solvabilit\u00e9<\/a> sans qu&rsquo;il y ait de r\u00e9percussion sur leur dossier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Obtenir une pr\u00e9admissibilit\u00e9<\/h3>\n\n\n\n<p>Il est pr\u00e9f\u00e9rable d&rsquo;estimer ce que vous pouvez vous permettre avant de commencer \u00e0 magasiner. Le processus de pr\u00e9admissibilit\u00e9 est g\u00e9n\u00e9ralement simple et rapide. Vous communiquez vos renseignements financiers au pr\u00eateur, y compris vos revenus et vos dettes. Ce dernier les analyse et vous fournit une \u00e9valuation provisoire du montant qui pourrait vous \u00eatre accord\u00e9 pour l&rsquo;achat du v\u00e9hicule.<\/p>\n\n\n\n<p>Une pr\u00e9admissibilit\u00e9 ne garantit pas qu&rsquo;un pr\u00eat vous sera octroy\u00e9 \u00e0 l&rsquo;issue de la pr\u00e9sentation de votre demande officielle. Elle peut n\u00e9anmoins vous aider \u00e0 planifier votre budget et pr\u00e9vient les mauvaises surprises et les d\u00e9ceptions.<\/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>L\u2019<a href=\"https:\/\/apps.royalbank.com\/apps\/my-auto-affordability?lang=fr#!\/main\/welcome\">outil Mon accessibilit\u00e9 au financement automobile RBC<\/a>\u00a0rend la pr\u00e9admissibilit\u00e9 simple et rapide.<\/p>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">4. Comprendre les modalit\u00e9s<\/h3>\n\n\n\n<p>Lisez le contrat. Avant d&rsquo;apposer votre signature, assurez-vous de savoir \u00e0 quoi vous consentez. Le pr\u00eateur peut ajouter des exigences, comme la souscription d&rsquo;une assurance ou le paiement d&rsquo;une p\u00e9nalit\u00e9 en cas de remboursement anticip\u00e9 du pr\u00eat.<\/p>\n\n\n\n<p>M\u00e9fiez-vous aussi des contrats frauduleux ! Si cela semble trop beau pour \u00eatre vrai, ce l&rsquo;est probablement. Parfois, les escrocs font miroiter une \u00ab approbation garantie \u00bb sans enqu\u00eate de cr\u00e9dit ou alors un taux tr\u00e8s avantageux, puis disent ensuite \u00e0 l&#8217;emprunteur qu&rsquo;il n&rsquo;est pas admissible et lui impose des frais plus \u00e9lev\u00e9s. Il est donc primordial de lire le contrat et de faire affaire avec un pr\u00eateur en qui vous avez confiance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Faire le tour du march\u00e9 de l&rsquo;assurance automobile<\/h3>\n\n\n\n<p>Demandez des soumissions d&rsquo;assurance pour le v\u00e9hicule que vous envisagez de louer ou d&rsquo;acheter avant de conclure la transaction. L&rsquo;ann\u00e9e, la marque et le mod\u00e8le d&rsquo;un v\u00e9hicule peuvent avoir une influence sur le co\u00fbt de l&rsquo;assurance. Pour certaines voitures, les risques de vol et d&rsquo;accident sont plus \u00e9lev\u00e9s, de sorte que les primes pour les assurer sont sup\u00e9rieures. En effectuant des v\u00e9rifications \u00e0 l&rsquo;avance, vous pourriez \u00e9conomiser gros sur vos primes d&rsquo;assurance sur la dur\u00e9e de vie de votre v\u00e9hicule. Veillez \u00e0 v\u00e9rifier chaque ann\u00e9e que les renseignements de votre police d&rsquo;assurance sont exacts et \u00e0 jour. Posez des questions pour voir si vous pourriez avoir droit \u00e0 des rabais offerts par votre compagnie d&rsquo;assurance.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color 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<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-large mar-t-qtr mar-b-qtr\"><img loading=\"lazy\" decoding=\"async\" height=\"683\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-2.jpg?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-22628\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-2.jpg 2121w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-2-300x200.jpg 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-2-1024x683.jpg 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-2-768x512.jpg 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-2-1536x1024.jpg 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/SMB_Tip_5_-_Woman_doing_online_shopping-1-2-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/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 mar-l-hlf mar-t-0\" id=\"h-vous-avez-besoin-d-une-nouvelle-voiture\">Vous avez besoin d\u2019une nouvelle voiture ?<\/h4>\n\n\n\n<p class=\"mar-l-hlf pad-b-qtr\"><a href=\"https:\/\/apps.royalbank.com\/apps\/my-auto-affordability?lang=fr#!\/main\/welcome\">D\u00e9terminez<\/a>\u00a0combien vous pouvez vous permettre de payer avant de vous pr\u00e9senter chez le concessionnaire.\u00a0<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/pret-auto\/\">Utilisez la<\/a>\u00a0Calculatrice 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<\/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\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=5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile &#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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/\">\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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/\">\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-688badf8-d2b3-4b7f-8dae-fef326c12426\" 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\/automobile\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Automobile<\/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-688badf8-d2b3-4b7f-8dae-fef326c12426 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-688badf8-d2b3-4b7f-8dae-fef326c12426 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Les pr\u00eats-autos vous d\u00e9routent ? Vous n&rsquo;\u00eates pas seul. Simplifions un peu les choses.<\/p>\n","protected":false},"author":85,"featured_media":22465,"parent":6532,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[222],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[270],"rbc_difficulty_level":[123],"rbc_mmm_category":[38,69,30],"class_list":["post-22463","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-automobile","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":"365240","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 v26.7 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Les pr\u00eats-autos vous d\u00e9routent ? Vous n&#039;\u00eates pas seul. Simplifions un peu les choses.\" \/>\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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Les pr\u00eats-autos vous d\u00e9routent ? Vous n&#039;\u00eates pas seul. Simplifions un peu les choses.\" \/>\n<meta property=\"og:url\" content=\"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\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Banque Royale\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-05T19:02:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.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=\"5 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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/\",\"url\":\"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\/\",\"name\":\"5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile - 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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/#primaryimage\"},\"image\":{\"@id\":\"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\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.jpg?quality=80\",\"datePublished\":\"2023-08-03T00:00:00+00:00\",\"dateModified\":\"2024-03-05T19:02:18+00:00\",\"description\":\"Les pr\u00eats-autos vous d\u00e9routent ? Vous n'\u00eates pas seul. Simplifions un peu les choses.\",\"breadcrumb\":{\"@id\":\"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\/#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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"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\/#primaryimage\",\"url\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.jpg?quality=80\",\"contentUrl\":\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.jpg?quality=80\",\"width\":930,\"height\":620,\"caption\":\"Une voiture-jouet jaune sur un bureau\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"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\/#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\":\"5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile\"}]},{\"@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":"Les pr\u00eats-autos vous d\u00e9routent ? Vous n'\u00eates pas seul. Simplifions un peu les choses.","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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/","og_locale":"fr_FR","og_type":"article","og_description":"Les pr\u00eats-autos vous d\u00e9routent ? Vous n'\u00eates pas seul. Simplifions un peu les choses.","og_url":"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\/","og_site_name":"RBC Banque Royale","article_modified_time":"2024-03-05T19:02:18+00:00","og_image":[{"width":930,"height":620,"url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.jpg?quality=80","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"5 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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/","url":"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\/","name":"5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile - 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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/#primaryimage"},"image":{"@id":"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\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.jpg?quality=80","datePublished":"2023-08-03T00:00:00+00:00","dateModified":"2024-03-05T19:02:18+00:00","description":"Les pr\u00eats-autos vous d\u00e9routent ? Vous n'\u00eates pas seul. Simplifions un peu les choses.","breadcrumb":{"@id":"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\/#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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"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\/#primaryimage","url":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.jpg?quality=80","contentUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.jpg?quality=80","width":930,"height":620,"caption":"Une voiture-jouet jaune sur un bureau"},{"@type":"BreadcrumbList","@id":"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\/#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":"5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile"}]},{"@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\/5-choses-a-savoir-avant-de-presenter-une-demande-de-financement-automobile\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"5 choses \u00e0 savoir avant de pr\u00e9senter une demande de financement automobile","url":"http:\/\/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\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/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\/"},"thumbnailUrl":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-18T122120.323.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\/TD-2022-10-18T122120.323.jpg?quality=80"},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"RBC Banque Royale","logo":""},"keywords":["automobile"],"dateCreated":"2023-08-03T00:00:00Z","datePublished":"2023-08-03T00:00:00Z","dateModified":"2024-03-05T19:02:18Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"5 choses \\u00e0 savoir avant de pr\\u00e9senter une demande de financement automobile\",\"url\":\"http:\\\/\\\/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\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/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\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rbcroyalbank.com\\\/fr-ca\\\/wp-content\\\/uploads\\\/sites\\\/13\\\/2023\\\/09\\\/TD-2022-10-18T122120.323.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\\\/TD-2022-10-18T122120.323.jpg?quality=80\"},\"articleSection\":\"Uncategorized\",\"author\":[],\"creator\":[],\"publisher\":{\"@type\":\"Organization\",\"name\":\"RBC Banque Royale\",\"logo\":\"\"},\"keywords\":[\"automobile\"],\"dateCreated\":\"2023-08-03T00:00:00Z\",\"datePublished\":\"2023-08-03T00:00:00Z\",\"dateModified\":\"2024-03-05T19:02:18Z\"}<\/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\/TD-2022-10-18T122120.323.jpg?quality=80&w=930","coauthors":[],"author_meta":{"author_link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/author\/","display_name":""},"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 3 ao\u00fbt 2023","modified":"Mise \u00e0 jour le 5 mars 2024"},"absolute_dates_time":{"created":"Publi\u00e9 le 3 ao\u00fbt 2023 12:00  ","modified":"Mise \u00e0 jour le 5 mars 2024 7:02  "},"featured_img_caption":"","tax_additional":{"post_tag":{"linked":["<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/automobile\/\" class=\"advgb-post-tax-term\">Automobile<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Automobile<\/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":"222","primary_rbc_mmm_category":"69","_links":{"self":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/22463","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\/85"}],"version-history":[{"count":3,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/22463\/revisions"}],"predecessor-version":[{"id":28717,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_my_money_matter\/22463\/revisions\/28717"}],"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\/22465"}],"wp:attachment":[{"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/media?parent=22463"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/tags?post=22463"},{"taxonomy":"rbc_content_type","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_content_type?post=22463"},{"taxonomy":"rbc_audience","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_audience?post=22463"},{"taxonomy":"rbc_lob_group","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_lob_group?post=22463"},{"taxonomy":"rbc_difficulty_level","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_difficulty_level?post=22463"},{"taxonomy":"rbc_mmm_category","embeddable":true,"href":"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-json\/wp\/v2\/rbc_mmm_category?post=22463"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}