{"id":32444,"date":"2024-09-25T17:49:10","date_gmt":"2024-09-25T17:49:10","guid":{"rendered":""},"modified":"2024-09-25T20:56:12","modified_gmt":"2024-09-25T20:56:12","slug":"etablissez-votre-cote-de-solvabilite","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/etudes-et-carriere\/etudes-collegiales-ou-universitaires\/etablissez-votre-cote-de-solvabilite\/","title":{"rendered":"\u00c9tablissez votre cote de solvabilit\u00e9"},"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\">\u00c9tablissez votre cote de solvabilit\u00e9<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Anne Papmehl<\/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=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_StudentCreditScore.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\u00c9tudiant masculin assis \u00e0 l&#039;ext\u00e9rieur\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_StudentCreditScore.jpg 7360w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=768,513 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=1536,1025 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/09\/shutterstock_StudentCreditScore.jpg?resize=2048,1367 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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=\u00c9tablissez votre cote de solvabilit\u00e9 &#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\/etudes-et-carriere\/etudes-collegiales-ou-universitaires\/etablissez-votre-cote-de-solvabilite\/\">\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\/etudes-et-carriere\/etudes-collegiales-ou-universitaires\/etablissez-votre-cote-de-solvabilite\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 25 septembre 2024 \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<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\">TLPL : <\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Une cote de solvabilit\u00e9 est n\u00e9cessaire pour obtenir un t\u00e9l\u00e9phone cellulaire, louer un appartement, louer ou acheter une voiture et, \u00e0 terme, acheter une maison. Vous avez donc int\u00e9r\u00eat \u00e0 maintenir une bonne cote de cr\u00e9dit le plus longtemps possible et id\u00e9alement vous devriez commencer \u00e0 l\u2019\u00e9tablir d\u00e8s maintenant.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Une des fa\u00e7ons les plus simples de se constituer des ant\u00e9c\u00e9dents de solvabilit\u00e9 est d\u2019utiliser une carte de cr\u00e9dit et d\u2019en rembourser le solde entier \u00e0 temps.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Nous vous expliquons ici ce qu\u2019est une cote de solvabilit\u00e9, pourquoi elle est importante et comment vous constituer une bonne cote d\u00e8s maintenant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce que le cr\u00e9dit&nbsp;?<\/h2>\n\n\n\n<p>Le cr\u00e9dit, c\u2019est de l\u2019argent que vous empruntez. Voici des types de cr\u00e9dit courants&nbsp;:&nbsp;<\/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>Cartes de cr\u00e9dit<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Pr\u00eats \u00e9tudiants<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Pr\u00eats personnels<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Marges de cr\u00e9dit&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>La fa\u00e7on dont vous empruntez et remboursez l\u2019argent constitue vos <strong>ant\u00e9c\u00e9dents de solvabilit\u00e9<\/strong>. Ceux-ci se refl\u00e8tent dans votre <strong>cote de solvabilit\u00e9<\/strong>. Au Canada, les cotes de solvabilit\u00e9 varient entre&nbsp;<a href=\"https:\/\/rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/bonne-cote-de-solvabilite\/\" data-dig-id=\"LP-32444-60ece815\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"300 et&nbsp;900\" class=\"rbc-link-format\">300 et&nbsp;900<\/a>. Une cote situ\u00e9e entre&nbsp;740 et&nbsp;799 est consid\u00e9r\u00e9e comme tr\u00e8s bonne, au-dessus de 800, elle est excellente. Plus votre solvabilit\u00e9 reste bonne pendant longtemps, plus votre cote augmente. Poursuivez votre lecture pour d\u00e9couvrir comment \u00e9tablir votre cote de solvabilit\u00e9 et ce qui peut la faire baisser.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi est-ce important&nbsp;?<\/h2>\n\n\n\n<p>Une bonne cote de solvabilit\u00e9 vous rend plus facilement admissible \u00e0 l\u2019obtention de pr\u00eats ou de cartes de cr\u00e9dit, et augmente vos chances d\u2019approbation pour un contrat de location ou un forfait de t\u00e9l\u00e9phone cellulaire. Chaque retard de paiement de facture fait baisser votre cote, ce qui pourrait vous nuire plus tard si vous souhaitez emprunter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi doit-on commencer \u00e0 \u00e9tablir de bons ant\u00e9c\u00e9dents de solvabilit\u00e9 quand on est \u00e9tudiant&nbsp;?<\/h2>\n\n\n\n<p>\u00c9tablir de bons ant\u00e9c\u00e9dents prend du temps. En commen\u00e7ant t\u00f4t, vous montrez aux banques que vous \u00eates un emprunteur responsable et qu\u2019elles peuvent faire affaire avec vous.<\/p>\n\n\n\n<p>Plus tard, avec une bonne cote de solvabilit\u00e9, vous obtiendrez plus facilement des pr\u00eats pour des achats plus importants (p. ex., une voiture ou une maison). Une bonne cote vous donnera acc\u00e8s \u00e0 d\u2019autres avantages comme des taux d\u2019int\u00e9r\u00eat plus bas et des limites de cr\u00e9dit plus \u00e9lev\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment \u00e9tablir de bons ant\u00e9c\u00e9dents de solvabilit\u00e9 en tant qu\u2019\u00e9tudiant&nbsp;<\/h2>\n\n\n\n<p>Voici quelques pistes pour commencer du bon pied.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Procurez-vous une carte de cr\u00e9dit et utilisez-la judicieusement<\/h3>\n\n\n\n<p>Faites une demande de <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/cartes\/sans-frais.html\" data-dig-id=\"LP-32444-ad0f57b3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"carte de cr\u00e9dit sans frais annuels\" class=\"rbc-link-format\">carte de cr\u00e9dit sans frais annuels<\/a> \u00e0 votre nom et utilisez-la pour les petits achats que vous pouvez rembourser rapidement. Payez toujours votre solde \u00e0 la date d\u2019\u00e9ch\u00e9ance. Si vous ne pouvez pas payer la totalit\u00e9 du solde, payez au moins le minimum exigible afin d\u2019\u00e9viter les frais de retard et la d\u00e9t\u00e9rioration de votre cote de solvabilit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Payez la totalit\u00e9 de vos achats importants<\/h3>\n\n\n\n<p>Mettez r\u00e9guli\u00e8rement de l\u2019argent de c\u00f4t\u00e9, pour les d\u00e9penses plus importantes comme les vacances et les meubles. Lorsque vous remboursez un achat important effectu\u00e9 avec votre carte de cr\u00e9dit, vous rehaussez votre cote de solvabilit\u00e9.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">R\u00e9glez vos factures \u00e0 temps<\/h3>\n\n\n\n<p>Cela comprend aussi bien votre facture de t\u00e9l\u00e9phone et vos factures de services publics que votre pr\u00eat-auto et votre loyer. En configurant des d\u00e9bits automatiques de votre compte bancaire, vous ne manquerez jamais un paiement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ne faites pas de paiement si vous n\u2019avez pas les fonds suffisants<\/h3>\n\n\n\n<p>Cela arrive aux meilleurs d\u2019entre nous, mais sachez qu\u2019un ch\u00e8que ou un paiement sans provisions peut faire baisser votre cote de solvabilit\u00e9. Assurez-vous qu\u2019il y a toujours assez d\u2019argent dans votre compte bancaire pour couvrir le paiement de vos factures. Renseignez-vous aupr\u00e8s de votre institution financi\u00e8re sur la possibilit\u00e9 de b\u00e9n\u00e9ficier d\u2019une protection contre d\u00e9couvert pour faire face aux impr\u00e9vus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Maintenez une bonne cote de solvabilit\u00e9<\/h2>\n\n\n\n<p>Surveillez votre cote de solvabilit\u00e9. Vous verrez votre cote augmenter \u00e0 mesure que vous effectuerez des paiements r\u00e9guliers et \u00e0 temps. Voici quelques conseils pour maintenir une cote \u00e9lev\u00e9e&nbsp;:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Faites attention aux vols d\u2019identit\u00e9 et aux escroqueries<\/h3>\n\n\n\n<p>Ils peuvent nuire \u00e0 votre cote de solvabilit\u00e9, m\u00eame si vous n\u2019y \u00eates pour rien. Apprenez \u00e0 \u00e9viter les <a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/formulaires-publications\/publications\/rc284\/protegez-vous-contre-identite.html\" target=\"_blank\" data-dig-id=\"LP-32444-391872a7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"vols d\u2019identit\u00e9\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">vols d\u2019identit\u00e9<\/a> et restez inform\u00e9 des derni\u00e8res fraudes, stratag\u00e8mes d\u2019<a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/formulaires-publications\/publications\/rc284\/protegez-vous-contre-identite.html\" target=\"_blank\" data-dig-id=\"LP-32444-d406ab84\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"hame\u00e7onnage\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">hame\u00e7onnage<\/a> et autres escroqueries.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00e9rifiez les op\u00e9rations sur votre carte de cr\u00e9dit<\/h3>\n\n\n\n<p>Si vous remarquez quelque chose d\u2019\u00e9trange, comme un achat que vous ne reconnaissez pas, communiquez imm\u00e9diatement avec votre institution financi\u00e8re pour y rem\u00e9dier.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">Vous voulez conna\u00eetre votre cote de solvabilit\u00e9&nbsp;?&nbsp; Vous pouvez l\u2019obtenir gratuitement aupr\u00e8s de l\u2019une ou l\u2019autre des principales agences d\u2019\u00e9valuation du cr\u00e9dit du Canada, <a href=\"https:\/\/www.consumer.equifax.ca\/personal\/\" target=\"_blank\" data-dig-id=\"LP-32444-b4548da3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Equifax \" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Equifax<\/a> ou <a href=\"https:\/\/www.transunion.ca\/\" target=\"_blank\" data-dig-id=\"LP-32444-92d32b43\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"TransUnion\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">TransUnion<\/a>. Vous pouvez \u00e9galement <a href=\"https:\/\/www.rbcroyalbank.com\/dms\/olb\/credit-score\/index.html?promo_name=ENT_Students_DNL&amp;promo_id=266834&amp;promo_position=body&amp;promo_creative=How%20to%20Build%20Good%20Credit%20as%20a%20Student\" data-dig-id=\"LP-32444-a5f58a6d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"consulter gratuitement votre cote de solvabilit\u00e9\" class=\"rbc-link-format\">consulter gratuitement votre cote de solvabilit\u00e9<\/a> sur RBC&nbsp;Banque en direct<\/p>\n\n\n\n<p>Il n\u2019y a pas de meilleur moment que le pr\u00e9sent pour b\u00e2tir et maintenir une bonne cote de solvabilit\u00e9&nbsp;! La bonne cote de solvabilit\u00e9 que vous commencez \u00e0 vous constituer d\u00e8s maintenant vous sera utile tout au long de votre vie.<\/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\t\n\t<div class=\"wp-block-tk-spacer id-636cc9a7-836a-4aaf-aab2-b5efc9871152\" 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=\u00c9tablissez votre cote de solvabilit\u00e9 &#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\/etudes-et-carriere\/etudes-collegiales-ou-universitaires\/etablissez-votre-cote-de-solvabilite\/\">\n        <img 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-317fbf17-1825-4269-9bfa-493fdd5f9c1a\" 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\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/etudiants\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">\u00c9tudiants<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finances personnelles<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/gestion-de-largent\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Gestion de l&#039;argent<\/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\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Des parents heureux c\u00e9l\u00e9brant la graduation de leur enfant, sachant qu&#039;ils ont r\u00e9ussi \u00e0 \u00e9quilibrer leurs cotisations au REEE et au REER.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg 3900w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=1024,683 1024w, 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class=\"card-title h4 mar-t-0\">REEE et REER : comment trouver l\u2019\u00e9quilibre entre l\u2019\u00e9pargne-\u00e9tudes et l\u2019\u00e9pargne-retraite<\/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=\"878\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/Thumbnail-feature-515.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Image du mod\u00e8le Sam Robinson prise par le photographe Talen de St. Croix\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/Thumbnail-feature-515.jpg 1190w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/Thumbnail-feature-515.jpg?resize=300,257 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/Thumbnail-feature-515.jpg?resize=768,658 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/Thumbnail-feature-515.jpg?resize=1024,878 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\/objectifs-et-aspirations\/etudes-et-carriere\/formation-continue\/\">\n\t\t\t\t\t\tFormation continue\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\/etudes-et-carriere\/formation-continue\/finances-et-rentree-des-classes-depenser-judicieusement-a-la-rentree\/\" class=\"card-title h4 mar-t-0\">Finances et rentr\u00e9e des classes : d\u00e9penser judicieusement \u00e0 la rentr\u00e9e<\/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=\"300\" height=\"257\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/Thumbnail-feature-509-1.webp?quality=80&amp;w=300\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" \/>\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\/connaissances-financieres-de-base\/etablissement-du-budget\/\">\n\t\t\t\t\t\t\u00c9tablissement du budget\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\/connaissances-financieres-de-base\/etablissement-du-budget\/etablissement-dun-budget-etudiant-conseils-financiers-pour-lannee-scolaire-a-venir\/\" class=\"card-title h4 mar-t-0\">\u00c9tablissement d\u2019un budget \u00e9tudiant : conseils financiers pour l\u2019ann\u00e9e scolaire \u00e0 venir<\/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-636cc9a7-836a-4aaf-aab2-b5efc9871152 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-636cc9a7-836a-4aaf-aab2-b5efc9871152 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-317fbf17-1825-4269-9bfa-493fdd5f9c1a {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-317fbf17-1825-4269-9bfa-493fdd5f9c1a {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Une bonne cote de solvabilit\u00e9 vous sera utile toute votre vie. Vous commencez \u00e0 vous constituer des ant\u00e9c\u00e9dents de solvabilit\u00e9 d\u00e8s l\u2019obtention de votre premi\u00e8re carte de cr\u00e9dit.<\/p>\n","protected":false},"author":80,"featured_media":32445,"parent":6538,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[289,307,130,298],"rbc_content_type":[121],"rbc_audience":[126,143],"rbc_lob_group":[127],"rbc_difficulty_level":[123],"rbc_mmm_category":[75,40,30],"class_list":["post-32444","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-credit-et-dette","tag-etudiants","tag-finances-personnelles","tag-gestion-de-largent","rbc_content_type-article","rbc_audience-etudiants","rbc_audience-jeunes","rbc_lob_group-etudiants","rbc_difficulty_level-beginner","rbc_mmm_category-etudes-collegiales-ou-universitaires","rbc_mmm_category-etudes-et-carriere","rbc_mmm_category-objectifs-et-aspirations"],"acf":{"contently_publication_id":"265327","custom_author":"Anne Papmehl","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Une bonne cote de solvabilit\u00e9 vous sera utile toute votre vie. 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