{"id":34281,"date":"2023-06-05T15:15:00","date_gmt":"2023-06-05T15:15:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=34281"},"modified":"2025-02-24T15:16:31","modified_gmt":"2025-02-24T15:16:31","slug":"achat-dune-premiere-propriete-ne-negligez-pas-les-frais-qui-peuvent-grever-votre-budget","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/achat-dune-premiere-propriete-ne-negligez-pas-les-frais-qui-peuvent-grever-votre-budget\/","title":{"rendered":"Achat d\u2019une premi\u00e8re propri\u00e9t\u00e9\u00a0: ne n\u00e9gligez pas les frais qui peuvent grever votre budget"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/immobilier\/\">\n\t\t\t\t\t\t\t<span>Immobilier<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Achat d\u2019une premi\u00e8re propri\u00e9t\u00e9\u00a0: ne n\u00e9gligez pas les frais qui peuvent grever votre budget<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Sarita Harbour<\/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\/thumb-banking-budget-busting-costs_402x-2.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Chaise bleu\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-banking-budget-busting-costs_402x-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-banking-budget-busting-costs_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-banking-budget-busting-costs_402x-2.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=Achat d\u2019une premi\u00e8re propri\u00e9t\u00e9\u00a0: ne n\u00e9gligez pas les frais qui peuvent grever votre budget &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/achat-dune-premiere-propriete-ne-negligez-pas-les-frais-qui-peuvent-grever-votre-budget\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/achat-dune-premiere-propriete-ne-negligez-pas-les-frais-qui-peuvent-grever-votre-budget\/\">\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 5 juin 2023 \u2022 4 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Si vous vous appr\u00eatez \u00e0 acheter votre premi\u00e8re propri\u00e9t\u00e9, vous savez que vous aurez besoin d\u2019une mise de fonds. Connaissez-vous les autres frais? Voici un aper\u00e7u des frais de cl\u00f4ture courants que les gens ont tendance \u00e0 oublier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Honoraires d\u2019avocat ou de notaire, plus la TPS<\/h2>\n\n\n\n<p>Lorsque vous achetez une propri\u00e9t\u00e9, un cabinet d\u2019avocat ou de notaire pr\u00e9pare et enregistre les documents relatifs \u00e0 l\u2019achat et \u00e0 l\u2019hypoth\u00e8que. Or, ce service n\u2019est pas donn\u00e9! Selon la province, il faut pr\u00e9voir entre 500&nbsp;$ et 1&nbsp;500&nbsp;$, sans compter la TPS.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D\u00e9bours et rajustements<\/h2>\n\n\n\n<p>Aux honoraires de l\u2019avocat ou du notaire, les acheteurs d\u2019une premi\u00e8re propri\u00e9t\u00e9 doivent ajouter les d\u00e9bours et les rajustements. Les d\u00e9bours sont des frais ou d\u00e9penses que votre avocat ou notaire paie en votre nom, par exemple, les frais d\u2019enregistrement aupr\u00e8s du gouvernement, les frais de recherche et les frais de messagerie ou d\u2019envoi postal.<\/p>\n\n\n\n<p>Les rajustements sont les d\u00e9penses que le vendeur de la propri\u00e9t\u00e9 peut avoir r\u00e9gl\u00e9es d\u2019avance, comme les imp\u00f4ts fonciers ou les services publics.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Assurance-titres<\/h2>\n\n\n\n<p>Bien qu\u2019elle ne soit pas obligatoire, l\u2019assurance-titres vous prot\u00e8ge contre les pertes li\u00e9es au titre de propri\u00e9t\u00e9. Pour un nouvel achat de 500&nbsp;000&nbsp;$, l\u2019assurance-titres vous co\u00fbterait environ 300&nbsp;$. Renseignez-vous sur l\u2019<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/hypotheques\/title-insurance.html\" data-dig-id=\"LP-34281-44521297\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"assurance-titres\" class=\"rbc-link-format\">assurance-titres<\/a> pour voir si elle est faite pour vous et demandez \u00e0 votre avocat ou notaire de vous fournir une estimation de l\u2019assurance-titres pour votre propri\u00e9t\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Droits de cession immobili\u00e8re<\/h2>\n\n\n\n<p>Les droits de cession immobili\u00e8re ou droits sur les transferts de terrains impos\u00e9s \u00e0 l\u2019achat d\u2019une propri\u00e9t\u00e9 varient selon le prix d\u2019achat et la province. En Ontario, ils d\u00e9pendent aussi de la r\u00e9gion. \u00c0 Toronto, les acheteurs d\u2019une premi\u00e8re propri\u00e9t\u00e9 doivent en outre payer des droits municipaux de cession immobili\u00e8re.<\/p>\n\n\n\n<p>Certaines provinces, comme l\u2019Ontario et la Colombie-Britannique, offrent un remboursement des droits de cession immobili\u00e8re aux acheteurs admissibles.<\/p>\n\n\n\n<p>Pour obtenir une estimation des droits que vous devrez payer, utilisez la <a href=\"https:\/\/www.realtor.ca\/calculatrice\" data-dig-id=\"LP-34281-e07442dd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"calculatrice des droits de transfert\" class=\"rbc-link-format\">calculatrice des droits de transfert<\/a> de Realtor.ca.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frais d\u2019inspection<\/h2>\n\n\n\n<p>De nos jours, beaucoup de gens engagent un inspecteur qui \u00e9value la structure et les syst\u00e8mes d\u2019une propri\u00e9t\u00e9 avant l\u2019achat. L\u2019inspection peut mettre en \u00e9vidence des probl\u00e8mes qui n\u00e9cessiteront des r\u00e9novations et des r\u00e9parations potentiellement co\u00fbteuses. Il est bon de les conna\u00eetre avant de finaliser l\u2019offre d\u2019achat. Selon la taille et l\u2019emplacement de la propri\u00e9t\u00e9, il faut compter entre 300&nbsp;$ et 500&nbsp;$ pour une inspection au Canada.<\/p>\n\n\n\n<p>Bien que les co\u00fbts de cl\u00f4ture varient grandement selon votre situation, ainsi que l\u2019emplacement et le prix de la propri\u00e9t\u00e9, la SCHL recommande de pr\u00e9voir entre 1,5&nbsp;% et 4&nbsp;% du prix d\u2019achat en frais de cl\u00f4ture.<\/p>\n\n\n\n<p>Enfin, n\u2019oubliez pas les frais propres au logement, comme l\u2019achat d\u2019appareils \u00e9lectrom\u00e9nagers et l\u2019abonnement aux services publics. La facture peut monter rapidement et grever votre budget.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse8a36cff8\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse8a36cff8\" data-dig-id=\"LP-34281-8a36cff8\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Ce que nos avocats veulent que vous sachiez\"><div>Ce que nos avocats veulent que vous sachiez<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse8a36cff8\">\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-d403eee6-d383-4029-bed3-44ca965dbee7\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong><strong>Partagez cet article<\/strong><\/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=Achat d\u2019une premi\u00e8re propri\u00e9t\u00e9\u00a0: ne n\u00e9gligez pas les frais qui peuvent grever votre budget &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/achat-dune-premiere-propriete-ne-negligez-pas-les-frais-qui-peuvent-grever-votre-budget\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/achat-dune-premiere-propriete-ne-negligez-pas-les-frais-qui-peuvent-grever-votre-budget\/\">\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-4dde04eb-49ee-4efe-9f73-e8ab22e56e23\" 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\/accession-a-la-propriete\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Accession \u00e0 la propri\u00e9t\u00e9<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/immobilier\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Immobilier<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une main tient un disque avec un symbole de pourcentage dessus, et des fl\u00e8ches vers le haut et vers le bas au-dessus et en dessous du disque pour refl\u00e9ter l&#039;annonce du taux du 17 septembre 2025.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg 5233w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/\">\n\t\t\t\t\t\tComprendre les taux d\u2019int\u00e9r\u00eat\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/annonce-de-taux-d-interet-de-la-banque-du-canada\/\" class=\"card-title h4 mar-t-0\">D\u00e9mystification du taux d&rsquo;int\u00e9r\u00eat de la Banque du Canada et son incidence sur votre pr\u00eat hypoth\u00e9caire<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"678\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une maison de jouets en bois \u00e0 c\u00f4t\u00e9 d&#039;un bloc-notes\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg 4928w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=300,199 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=768,509 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=1024,678 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=1536,1017 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/07\/HOME-BUYING-_1.jpg?resize=2048,1356 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/\">\n\t\t\t\t\t\tAchat d\u2019une premi\u00e8re maison\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/de-combien-dargent-avez-vous-vraiment-besoin-pour-acheter-votre-premiere-maison-au-canada\/\" class=\"card-title h4 mar-t-0\">De combien d\u2019argent avez-vous vraiment besoin pour acheter votre premi\u00e8re maison au Canada?<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\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\/11\/image-to-switch-out.jpg_draft_1.jpeg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un jeune couple heureux se servant d\u2019un ordinateur portable et d\u2019une carte de cr\u00e9dit dans leur premi\u00e8re maison.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg 6000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/image-to-switch-out.jpg_draft_1.jpeg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/image-to-switch-out.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\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/\">\n\t\t\t\t\t\tComprendre les taux d\u2019int\u00e9r\u00eat\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/celiapp-et-taux-reduits-peuvent-vous-aider-a-acheter-votre-premiere-maison\/\" class=\"card-title h4 mar-t-0\">CELIAPP et taux r\u00e9duits peuvent vous aider \u00e0 acheter votre premi\u00e8re maison<\/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-d403eee6-d383-4029-bed3-44ca965dbee7 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-d403eee6-d383-4029-bed3-44ca965dbee7 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-4dde04eb-49ee-4efe-9f73-e8ab22e56e23 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-4dde04eb-49ee-4efe-9f73-e8ab22e56e23 {\n\t\t\theight: 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