{"id":26484,"date":"2024-01-10T21:57:15","date_gmt":"2024-01-10T21:57:15","guid":{"rendered":""},"modified":"2024-03-13T15:14:24","modified_gmt":"2024-03-13T15:14:24","slug":"cote-de-solvabilite-et-emprunt-comprehension-du-lien-crucial-entre-les-deux","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/cote-de-solvabilite-et-emprunt-comprehension-du-lien-crucial-entre-les-deux\/","title":{"rendered":"Cote de solvabilit\u00e9 et emprunt\u00a0: compr\u00e9hension du lien crucial entre les deux"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Cote de solvabilit\u00e9 et emprunt\u00a0: compr\u00e9hension du lien crucial entre les deux<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Amelia Rutledge<\/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\/2024\/01\/Untitled-design-2023-07-26T104945.980.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une femme tient son rapport de solvabilit\u00e9 sur lequel figure une cote de 745.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/01\/Untitled-design-2023-07-26T104945.980.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/01\/Untitled-design-2023-07-26T104945.980.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/01\/Untitled-design-2023-07-26T104945.980.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=Cote de solvabilit\u00e9 et emprunt\u00a0: compr\u00e9hension du lien crucial entre les deux &#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\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/cote-de-solvabilite-et-emprunt-comprehension-du-lien-crucial-entre-les-deux\/\">\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\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/cote-de-solvabilite-et-emprunt-comprehension-du-lien-crucial-entre-les-deux\/\">\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 10 janvier 2024 \u2022 4 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Plusieurs facteurs entrent en ligne de compte dans la d\u00e9cision d\u2019une institution financi\u00e8re d\u2019approuver ou non une demande de pr\u00eat. Si certains \u00e9l\u00e9ments courants comme vos revenus et vos ant\u00e9c\u00e9dents professionnels ont une forte incidence, votre cote de solvabilit\u00e9 joue aussi un r\u00f4le d\u00e9terminant dans le processus d\u2019emprunt.<\/p>\n\n\n\n<p>En effet, les pr\u00eateurs s\u2019appuient entre autres sur la cote de solvabilit\u00e9 pour \u00e9valuer la capacit\u00e9 d\u2019un emprunteur \u00e0 g\u00e9rer son cr\u00e9dit de fa\u00e7on responsable. Ce qui d\u00e9termine la cote de solvabilit\u00e9 diff\u00e8re d\u2019une agence d\u2019\u00e9valuation du cr\u00e9dit \u00e0 l\u2019autre (les deux principales au Canada \u00e9tant Equifax et TransUnion), mais en r\u00e8gle g\u00e9n\u00e9rale, les ant\u00e9c\u00e9dents de paiement, la dur\u00e9e du cr\u00e9dit, les limites de cr\u00e9dit, le montant de la dette actuelle et d\u2019autres renseignements financiers sont pris en consid\u00e9ration.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">Pour conna\u00eetre les facteurs dont d\u00e9pend votre cote de solvabilit\u00e9, lisez l\u2019article \u00ab&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/5-conseils-pour-maintenir-une-bonne-cote-de-solvabilite\/\" data-dig-id=\"LP-26484-7df89b52\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5&nbsp;conseils pour maintenir une bonne cote de solvabilit\u00e9\" class=\"rbc-link-format\">5&nbsp;conseils pour maintenir une bonne cote de solvabilit\u00e9<\/a>&nbsp;\u00bb.<\/p>\n\n\n\n<p><strong>Voici en quoi votre cote de solvabilit\u00e9 pourrait influer sur votre capacit\u00e9 \u00e0 emprunter de l\u2019argent.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Approbations<\/h2>\n\n\n\n<p>La cote de solvabilit\u00e9 est un facteur parmi d\u2019autres. Cela dit, elle donne aux pr\u00eateurs un aper\u00e7u de la mani\u00e8re dont vous avez g\u00e9r\u00e9 vos obligations financi\u00e8res par le pass\u00e9 (votre loyer et votre facture d\u2019\u00e9lectricit\u00e9, par exemple) et de l\u2019ampleur de votre endettement actuel. Les pr\u00eateurs s\u2019en servent pour d\u00e9terminer dans quelle mesure vous \u00eates susceptible de rembourser vos cr\u00e9ances et responsable dans la gestion de votre cr\u00e9dit. Il s\u2019agit en quelque sorte d\u2019un bulletin qui permet aux pr\u00eateurs d\u2019\u00e9valuer le risque qu\u2019ils prennent en pr\u00eatant de l\u2019argent \u00e0 un particulier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Taux d\u2019int\u00e9r\u00eat<\/h2>\n\n\n\n<p>Votre cote de solvabilit\u00e9 peut aussi avoir une incidence sur les taux d\u2019int\u00e9r\u00eat s\u2019appliquant \u00e0 vos pr\u00eats. Une bonne cote de cr\u00e9dit peut se traduire par un taux d\u2019int\u00e9r\u00eat plus bas et, par cons\u00e9quent, par des paiements d\u2019int\u00e9r\u00eat moins \u00e9lev\u00e9s pendant la dur\u00e9e du pr\u00eat. En revanche, une cote de solvabilit\u00e9 faible peut faire en sorte qu\u2019un pr\u00eateur vous impose un taux d\u2019int\u00e9r\u00eat sup\u00e9rieur, puisqu\u2019il estime prendre un risque plus important.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Conditions du pr\u00eat<\/h2>\n\n\n\n<p>La cote de cr\u00e9dit peut se r\u00e9percuter sur les conditions d\u2019un pr\u00eat. Les pr\u00eateurs peuvent offrir des p\u00e9riodes de remboursement plus longues ou des options de paiement souples aux emprunteurs ayant une bonne cote de solvabilit\u00e9. Un remboursement \u00e9chelonn\u00e9 \u00e0 plus long terme peut contribuer \u00e0 r\u00e9duire les mensualit\u00e9s, car le total est r\u00e9parti sur un plus grand nombre de mois.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Limite de cr\u00e9dit<\/h2>\n\n\n\n<p>Une cote de solvabilit\u00e9 \u00e9lev\u00e9e peut vous donner acc\u00e8s \u00e0 une limite de cr\u00e9dit sup\u00e9rieure ou vous permettre d\u2019emprunter un plus gros montant. Cela peut \u00eatre utile si vous voulez financer des r\u00e9novations domiciliaires, par exemple, qui se soldent souvent par des d\u00e9passements de co\u00fbts. Il sera alors rassurant de savoir que votre cote de solvabilit\u00e9 est saine et que vous avez la possibilit\u00e9 d\u2019emprunter davantage, au besoin, pour mener \u00e0 bien votre projet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Emprunts futurs<\/h2>\n\n\n\n<p>En plus de fournir un portrait instantan\u00e9 de votre situation actuelle, votre cote de solvabilit\u00e9 rend compte de vos ant\u00e9c\u00e9dents de solvabilit\u00e9, qui s\u2019\u00e9toffent au fil du temps. Plus vous conservez une cote de solvabilit\u00e9 \u00e9lev\u00e9e pendant longtemps, meilleurs deviennent vos ant\u00e9c\u00e9dents de solvabilit\u00e9, ce qui peut vous faciliter l\u2019acc\u00e8s au cr\u00e9dit et \u00e0 diverses options d\u2019emprunt.<\/p>\n\n\n\n<p>Bien que la cote de solvabilit\u00e9 ne soit pas n\u00e9cessairement la premi\u00e8re chose \u00e0 laquelle on pense lorsqu\u2019on cherche \u00e0 obtenir du cr\u00e9dit, elle joue un r\u00f4le d\u00e9terminant dans le processus d\u2019emprunt. Le fait de maintenir une bonne cote de solvabilit\u00e9 peut vous permettre d\u2019\u00e9conomiser, vous donner acc\u00e8s \u00e0 des conditions plus avantageuses et am\u00e9liorer votre bien-\u00eatre financier.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">Vous aimeriez conna\u00eetre votre cote de solvabilit\u00e9&nbsp;? RBC offre \u00e0 ses clients de l\u2019<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/dms\/olb\/credit-score\/index.html\" data-dig-id=\"LP-26484-5fc9cabb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"obtenir gratuitement gr\u00e2ce \u00e0 Banque en direct\" class=\"rbc-link-format\">obtenir gratuitement gr\u00e2ce \u00e0 Banque en direct<\/a>. Faites-le d\u00e8s maintenant&nbsp;!<\/p>\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=Cote de solvabilit\u00e9 et emprunt\u00a0: compr\u00e9hension du lien crucial entre les deux &#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\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/cote-de-solvabilite-et-emprunt-comprehension-du-lien-crucial-entre-les-deux\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-bacc6895-57e5-4968-b732-f0cca63f459f\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/credit-et-dette\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">cr\u00e9dit et dette<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Femme tapant sur un ordinateur lors de la r\u00e9vision d\u2019un \u00e9tat financier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\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\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\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\/cybersecurite\/comprendre-la-cybersecurite\/conseils-fiscaux-moyens-pour-le-contribuable-de-proteger-ses-donnees\/\" class=\"card-title h4 mar-t-0\">Conseils fiscaux : moyens pour le contribuable de prot\u00e9ger ses donn\u00e9es<\/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=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Trois coll\u00e8gues regardant un ordinateur.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg 1000w, 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href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/cybersecurite-pour-les-entreprises\/cybersecurite-des-entreprises-comment-prevenir-et-contrer-les-escroqueries\/\" class=\"card-title h4 mar-t-0\">Cybers\u00e9curit\u00e9 des entreprises : comment pr\u00e9venir et contrer les escroqueries<\/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=\"768\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Livret de poche sur une table.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg 1080w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=300,225 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=768,576 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=1024,768 1024w\" 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\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\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\/cybersecurite\/comprendre-la-cybersecurite\/securite-numerique-et-escroqueries-comment-vous-proteger-en-ligne\/\" class=\"card-title h4 mar-t-0\">S\u00e9curit\u00e9 num\u00e9rique et escroqueries : comment vous prot\u00e9ger en ligne<\/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-bacc6895-57e5-4968-b732-f0cca63f459f {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-bacc6895-57e5-4968-b732-f0cca63f459f 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