{"id":34421,"date":"2023-10-18T21:56:00","date_gmt":"2023-10-18T21:56:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=34421"},"modified":"2025-04-14T03:47:47","modified_gmt":"2025-04-14T03:47:47","slug":"point-de-vue-sur-le-marche-de-lhabitation-aux-etats-unis-en-2023","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/conseils-bancaires\/point-de-vue-sur-le-marche-de-lhabitation-aux-etats-unis-en-2023\/","title":{"rendered":"Point de vue sur le march\u00e9 de l\u2019habitation aux \u00c9tats-Unis en\u00a02023"},"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\/inflation\/\">\n\t\t\t\t\t\t\t<span>Inflation<\/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\">Point de vue sur le march\u00e9 de l\u2019habitation aux \u00c9tats-Unis en\u00a02023<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/shutterstock_2272500497-1.webp?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/shutterstock_2272500497-1.webp 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/shutterstock_2272500497-1.webp?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/02\/shutterstock_2272500497-1.webp?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=Point de vue sur le march\u00e9 de l\u2019habitation aux \u00c9tats-Unis en\u00a02023 &#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\/connaissances-financieres-de-base\/conseils-bancaires\/point-de-vue-sur-le-marche-de-lhabitation-aux-etats-unis-en-2023\/\">\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\/connaissances-financieres-de-base\/conseils-bancaires\/point-de-vue-sur-le-marche-de-lhabitation-aux-etats-unis-en-2023\/\">\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 18 octobre 2023 \u2022 8 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>Les Canadiens adorent voyager aux \u00c9tats-Unis. Selon le rapport <em>International Transactions in U.S. Residential Real Estate<\/em> de 2023, publi\u00e9 par la National Association of REALTORS, les Canadiens repr\u00e9sentent la plus forte augmentation annuelle des arriv\u00e9es mensuelles aux \u00c9tats-Unis (+1&nbsp;million) parmi tous les visiteurs internationaux. Et de nombreux Canadiens ont pouss\u00e9 leur relation avec les \u00c9tats-Unis un peu plus loin en achetant une propri\u00e9t\u00e9 dans leur \u00c9tat pr\u00e9f\u00e9r\u00e9.<\/p>\n\n\n\n<p>Bien que le march\u00e9 du logement aux \u00c9tats-Unis ait ralenti dans l\u2019ensemble (et que le huard ait perdu 8,1&nbsp;% par rapport au dollar am\u00e9ricain compar\u00e9 \u00e0 l\u2019an dernier), les Canadiens ont tout de m\u00eame d\u00e9pens\u00e9 6,6&nbsp;milliards de dollars am\u00e9ricains dans des logements r\u00e9sidentiels aux \u00c9tats-Unis au cours de la p\u00e9riode de 12&nbsp;mois allant d\u2019avril&nbsp;2022 \u00e0 mars&nbsp;2023. S\u2019agissant des sommes d\u00e9pens\u00e9es par des acheteurs \u00e9trangers, ce montant place le Canada en deuxi\u00e8me position, derri\u00e8re la Chine et devant le Mexique, qui ont respectivement d\u00e9pens\u00e9 13,6&nbsp;milliards de dollars et 4,2&nbsp;milliards de dollars.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Des hauts et des bas<\/h2>\n\n\n\n<p>Pour ce qui est des propri\u00e9t\u00e9s achet\u00e9es, le Canada se classe au troisi\u00e8me rang, avec 8&nbsp;500&nbsp;habitations et une part de 10&nbsp;%, derri\u00e8re la Chine et le Mexique. Ces chiffres repr\u00e9sentent une diminution de 25&nbsp;% sur 12&nbsp;mois et le plus faible nombre de transactions enregistr\u00e9es au cours des 15&nbsp;derni\u00e8res ann\u00e9es. En parall\u00e8le, le prix moyen pay\u00e9 par les acqu\u00e9reurs canadiens \u00e9tait de 779&nbsp;000&nbsp;$, soit une augmentation de 60&nbsp;% par rapport aux 485&nbsp;000&nbsp;$ de l\u2019an dernier, un record sur les 15&nbsp;derni\u00e8res ann\u00e9es.<\/p>\n\n\n\n<p>Ces tendances sont \u00e0 l\u2019image du march\u00e9 immobilier am\u00e9ricain dans son ensemble. Apr\u00e8s avoir atteint un sommet en&nbsp;2021, le march\u00e9 du logement a marqu\u00e9 le pas en&nbsp;2022 en raison de la hausse des taux hypoth\u00e9caires et des stocks tr\u00e8s limit\u00e9s. Si les taux ont pu avoir une certaine incidence sur le co\u00fbt du logement, les prix demeurent \u00e9lev\u00e9s compte tenu de l\u2019insuffisance de l\u2019offre sur le march\u00e9 am\u00e9ricain.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le march\u00e9 du logement am\u00e9ricain demeure accessible aux Canadiens<\/h2>\n\n\n\n<p>Malgr\u00e9 la vigueur des prix, la valeur des propri\u00e9t\u00e9s au sud de la fronti\u00e8re demeure attrayante pour les Canadiens. Par exemple, dans la ville la plus ch\u00e8re du Canada, Toronto, le prix au m\u00e8tre carr\u00e9 est de 10&nbsp;947&nbsp;$. Comparez cela aux destinations am\u00e9ricaines dans les march\u00e9s m\u00e9tropolitains, et il est facile de voir ce qui attire tant les Canadiens&nbsp;:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<table class=\"table-stack wp-block-rbc-stackable-table-block is-style-table-striped mob-mar-t-hlf mar-t-hlf mar-b-hlf mob-mar-b-hlf col-stack\"><tbody><tr><td><strong>March\u00e9<\/strong><\/td><td><strong><strong>Prix au m\u00e8tre carr\u00e9<\/strong><\/strong><\/td><td><\/td><\/tr><tr><td>Miami &#8211; Ft. Lauderdale &#8211; WPB<\/td><td>$3,170<\/td><td><\/td><\/tr><tr><td>Tampa &#8211; St. Petersburg &#8211; Clearwater<\/td><td>$2,270<\/td><td><\/td><\/tr><tr><td>Phoenix &#8211; Mesa &#8211; Scottsdale<\/td><td>$2,840<\/td><td><\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<p>Malgr\u00e9 cela, les Canadiens s\u2019adaptent aux conditions \u00e9conomiques.<\/p>\n\n\n\n<p>Alors que 69&nbsp;% des Canadiens ont achet\u00e9 leur propri\u00e9t\u00e9 aux \u00c9tats-Unis au comptant au cours de l\u2019ann\u00e9e pr\u00e9c\u00e9dente, seulement 51&nbsp;% des achats effectu\u00e9s sur la p\u00e9riode la plus r\u00e9cente ont \u00e9t\u00e9 enti\u00e8rement financ\u00e9s en fonds propres.<\/p>\n\n\n\n<p>\u00ab&nbsp;Le dollar canadien \u00e9tant faible, de plus en plus de Canadiens voient l\u2019int\u00e9r\u00eat d\u2019acqu\u00e9rir une maison aux \u00c9tats-Unis avec un financement&nbsp;\u00bb, d\u00e9clare Alain Forget, vice-pr\u00e9sident, responsable, Ventes et expansion des affaires \u00e0 la Banque&nbsp;RBC. \u00ab&nbsp;S\u2019ils prennent un pr\u00eat hypoth\u00e9caire aux \u00c9tats-Unis, les Canadiens peuvent limiter l\u2019impact ponctuel des frais de change en convertissant seulement un apport de 20&nbsp;% et les frais de dossier.&nbsp;\u00bb<\/p>\n\n\n\n<p>M\u00eame si les taux n\u2019ont pas atteint des sommets historiques, ils restent plus \u00e9lev\u00e9s qu\u2019au cours des deux derni\u00e8res ann\u00e9es, ce qui suscite l\u2019appr\u00e9hension de certains Canadiens qui esp\u00e8rent b\u00e9n\u00e9ficier de l\u2019\u00e9volution du march\u00e9 lorsque les taux d\u2019achat baisseront. M.&nbsp;Forget souligne un avantage souvent oubli\u00e9 des pr\u00eats hypoth\u00e9caires aux \u00c9tats-Unis&nbsp;: \u00ab&nbsp;Les pr\u00eats hypoth\u00e9caires aux \u00c9tats-Unis sont ouverts sans aucune p\u00e9nalit\u00e9 de remboursement anticip\u00e9, de sorte que vous pouvez \u00e0 tout moment avancer le remboursement de votre emprunt si cela vous convient.&nbsp;\u00bb Il souligne \u00e9galement que miser sur l\u2019\u00e9volution du march\u00e9 peut \u00eatre d\u00e9savantageux&nbsp;: \u00ab&nbsp;Les taux pourraient baisser, mais il risque d\u2019y avoir un afflux d\u2019acheteurs lorsque cela se produira, ce qui fera probablement augmenter les prix.&nbsp;\u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les propri\u00e9t\u00e9s de vacances dans les r\u00e9gions ensoleill\u00e9es stimulent les tendances d\u2019achat des Canadiens<\/h2>\n\n\n\n<p>Depuis des d\u00e9cennies, la Floride est une destination pris\u00e9e des Canadiens. Selon le site <a href=\"https:\/\/www.visitflorida.org\/about-us\/media\/news-releases\/article-details\/?%20releaseId=21166#:~:text=Domestic%20visitation%20reached%20an%20all,and%203.2%20million%20Canadian%20visitors.\" data-dig-id=\"LP-34421-1b9dbc25\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"VISIT FLORIDA\" class=\"rbc-link-format\">VISIT FLORIDA<\/a>, en&nbsp;2023, 3,2&nbsp;millions de Canadiens se sont rendus en Floride.<\/p>\n\n\n\n<p>Les pr\u00e9f\u00e9rences de voyage du Canada sont \u00e0 l\u2019image de leurs habitudes d\u2019achat. Parmi tous les achats de maisons effectu\u00e9s par des Canadiens, 55&nbsp;% concernent la Floride, 14&nbsp;% l\u2019Arizona et 4&nbsp;% la Californie.<\/p>\n\n\n\n<p>58&nbsp;% des propri\u00e9t\u00e9s acquises par les Canadiens \u00e9taient des maisons de vacances et des biens locatifs, compos\u00e9s des types de propri\u00e9t\u00e9s suivants&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Maisons unifamiliales non attenantes&nbsp;: 71&nbsp;%<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Immeubles en copropri\u00e9t\u00e9&nbsp;: 18&nbsp;%<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Habitations en rang\u00e9e&nbsp;: 4&nbsp;%<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Parmi tous les acheteurs \u00e9trangers, les Canadiens \u00e9taient les plus susceptibles d\u2019acheter des immeubles en copropri\u00e9t\u00e9 (ce qui est logique, compte tenu de leur go\u00fbt pour les biens locatifs de vacances) et d\u2019acheter dans une zone de vill\u00e9giature. En fait, 47&nbsp;% des achats effectu\u00e9s par les Canadiens se faisaient dans des stations baln\u00e9aires et des complexes de golf.<\/p>\n\n\n\n<p>\u00ab&nbsp;Au cours des derni\u00e8res ann\u00e9es, nous avons observ\u00e9 un changement d\u00e9mographique chez les Canadiens qui cherchent des propri\u00e9t\u00e9s aux \u00c9tats-Unis&nbsp;\u00bb, explique M.&nbsp;Forget. Il s\u2019agissait le plus souvent de personnes retrait\u00e9es ou proches de la retraite; des baby-boomers en qu\u00eate d\u2019une maison pour passer l\u2019hiver dans le sud. Nous voyons maintenant davantage d\u2019acheteurs de la g\u00e9n\u00e9ration&nbsp;X, voire de la g\u00e9n\u00e9ration&nbsp;Y, qui sont plus susceptibles de passer une courte p\u00e9riode de l\u2019ann\u00e9e dans leur maison aux \u00c9tats-Unis et de la louer lorsqu\u2019ils reviennent au Canada afin de r\u00e9duire leurs versements hypoth\u00e9caires. C\u2019est une approche tr\u00e8s diff\u00e9rente de celle des retrait\u00e9s, qui passent habituellement les mois d\u2019hiver dans leur maison am\u00e9ricaine et ne la loue pas.&nbsp;\u00bb Il ajoute que des \u00c9tats comme la Floride et l\u2019Arizona ont une forte demande de logements locatifs saisonniers et de courte dur\u00e9e, ce qui les rend plus attrayants pour les jeunes Canadiens qui esp\u00e8rent louer leur maison de vacances.<\/p>\n\n\n\n<p>Des deux c\u00f4t\u00e9s de la fronti\u00e8re, le march\u00e9 immobilier est complexe et en constante \u00e9volution. Cependant, de nombreux Canadiens s\u2019adaptent aux changements de conjoncture et trouvent le moyen de concr\u00e9tiser leur r\u00eave de poss\u00e9der un bien immobilier aux \u00c9tats-Unis. \u00c0 l\u2019heure o\u00f9 l\u2019\u00e9tat du march\u00e9 canadien du logement (notamment les taux d\u2019int\u00e9r\u00eat et le prix des habitations) continue de faire les gros titres dans les m\u00e9dias, les acheteurs vont chercher \u00e0 combiner valeur, qualit\u00e9 et situation g\u00e9ographique. Les acqu\u00e9reurs canadiens sont fut\u00e9s et ne sont probablement pas dispos\u00e9s \u00e0 faire de nombreuses concessions lorsqu\u2019il s\u2019agit d\u2019entrer sur le march\u00e9 am\u00e9ricain de l\u2019habitation. Le faible nombre d\u2019acheteurs en 2022-2023 pourrait indiquer que certains adoptent une approche s\u00e9lective et attendent que les taux baissent et que le prix des maisons se stabilise pour acheter.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-white section-inner  pad-b-hlf has-fff-background-color has-background\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner border pad-b-0 pad-t-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns mar-b-0 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\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2022\/02\/tax-banner-1.jpg?w=1024\" alt=\"tax-banner\" class=\"wp-image-80662\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading mar-l-hlf mar-t-qtr\">Tirez parti de la valeur nette de votre logement aux \u00c9tats-Unis<\/h3>\n\n\n\n<p class=\"mar-l-hlf\">Un seul guide pour savoir comment utiliser votre capital aux \u00c9tats-Unis pour financer votre mode de vie sur place, rapatrier de l\u2019argent au Canada, r\u00e9nover votre maison et plus encore.<\/p>\n\n\n\n<div class=\"wp-block-buttons mar-b-qtr is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-tertiary tertiary mar-l-hlf\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/dms\/cross-border-banking\/equity-eguide-i-or.html?utm_source=DL&amp;utm_medium=organic&amp;utm_campaign=DL&amp;utm_content=sellingusproperty\" data-dig-id=\"LP-34421-ef451580\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Obtenez votre guide gratuit-https:\/\/www.rbcroyalbank.com\/dms\/cross-border-banking\/equity-eguide-i-or.html?utm_source=DL&amp;utm_medium=organic&amp;utm_campaign=DL&amp;utm_content=sellingusproperty \">Obtenez votre guide gratuit<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapsed6e0d2f8\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapsed6e0d2f8\" data-dig-id=\"LP-34421-d6e0d2f8\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos juristes\"><div>Un mot de nos juristes<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapsed6e0d2f8\">\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-f0cb01a1-4ff6-4214-8e4f-0fa331d9eab5\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partagez 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=Point de vue sur le march\u00e9 de l\u2019habitation aux \u00c9tats-Unis en\u00a02023 &#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\/connaissances-financieres-de-base\/conseils-bancaires\/point-de-vue-sur-le-marche-de-lhabitation-aux-etats-unis-en-2023\/\">\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\/connaissances-financieres-de-base\/conseils-bancaires\/point-de-vue-sur-le-marche-de-lhabitation-aux-etats-unis-en-2023\/\">\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-b6a8e59a-7319-4b9b-bb2a-428748539929\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/immobilier\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Immobilier<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/inflation\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Inflation<\/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=\"684\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Des pi\u00e8ces empil\u00e9es sont prot\u00e9g\u00e9es par un parasol rouge sur une table en bois\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg 6016w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=768,513 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=1024,684 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=1536,1025 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=2048,1367 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\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/types-de-comptes\/quest-ce-que-la-sadc-et-comment-protege-t-elle-votre-argent\/\" class=\"card-title h4 mar-t-0\">Qu\u2019est-ce que la SADC et comment prot\u00e8ge-t-elle votre argent ?<\/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 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https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2480419079.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2480419079.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2480419079.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\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/types-de-comptes\/guide-des-services-bancaires-sans-frais-annuels-pour-les-jeunes-adultes\/\" class=\"card-title h4 mar-t-0\">Un guide pour les jeunes adultes qui ne sont pas \u00e9tudiants : Comment profiter de la banque sans frais mensuels<\/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\/10\/shutterstock_2473391441.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un couple heureux \u00e9conomise de l&#039;argent ensemble dans la tirelire apr\u00e8s avoir effectu\u00e9 des d\u00e9marches administratives.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg 9263w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.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\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/types-de-comptes\/comprendre-les-frais-bancaires-et-comment-economiser-sur-ces-frais\/\" class=\"card-title h4 mar-t-0\">Comprendre les frais bancaires et comment \u00e9conomiser sur ces frais<\/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-f0cb01a1-4ff6-4214-8e4f-0fa331d9eab5 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-f0cb01a1-4ff6-4214-8e4f-0fa331d9eab5 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-b6a8e59a-7319-4b9b-bb2a-428748539929 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-b6a8e59a-7319-4b9b-bb2a-428748539929 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"","protected":false},"author":132,"featured_media":34422,"parent":6557,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[134,212],"rbc_content_type":[121],"rbc_audience":[150],"rbc_lob_group":[186],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,37,71,45,93,30,67,39],"class_list":["post-34421","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-immobilier","tag-inflation","rbc_content_type-article","rbc_audience-aines","rbc_lob_group-services-transfrontieres","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-achat-dune-maison","rbc_mmm_category-achat-ou-refinancement-dune-propriete-aux-etats-unis","rbc_mmm_category-connaissances-financieres-de-base","rbc_mmm_category-conseils-bancaires","rbc_mmm_category-objectifs-et-aspirations","rbc_mmm_category-refinancement-et-achat-dune-plus-petite-maison","rbc_mmm_category-voyages-et-services-transfrontieres"],"acf":{"contently_publication_id":"372645","custom_author":"Diane Amato","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\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\/academie-financiere\/connaissances-financieres-de-base\/conseils-bancaires\/point-de-vue-sur-le-marche-de-lhabitation-aux-etats-unis-en-2023\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:url\" 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