{"id":6559,"date":"2023-08-14T18:50:07","date_gmt":"2023-08-14T18:50:07","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/"},"modified":"2026-01-13T16:37:08","modified_gmt":"2026-01-13T16:37:08","slug":"comprendre-les-prets","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\/","title":{"rendered":"Comprendre les pr\u00eats"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ba379fd wp-block-group-is-layout-constrained\">\n<p class=\"h3\">Il existe de nombreuses mani\u00e8res d\u2019emprunter de l\u2019argent. Apprenez \u00e0 faire correspondre vos objectifs aux pr\u00eats et aux marges de cr\u00e9dit qui vous conviennent.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-7e5114e4-313f-4d98-a206-3231e93fa5a3\" aria-hidden=\"true\"><\/div>\n\t\n\n\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 pad-t-0 pad-b-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 mar-r mob-mar-r-0 mob-mar-b-dbl is-layout-flow wp-block-column-is-layout-flow\">\n<article id=\"post-26484\" class=\"loop-post featured-vertical mob-pad-b-dbl post-26484 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_lob_group-prets rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-comprendre-les-prets rbc_mmm_category-credit-t-et-emprunt\">\n\t<div class=\"col-wpr mar-b-0\">\n\t\t\t\t\t<div class=\"col-md-12 mar-b mob-mar-b-dbl\">\n\t\t\t\t<div \n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Une femme tient son rapport de solvabilit\u00e9 sur lequel figure une cote de 745.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"680\"\n\t\t\theight=\"453\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/01\/Untitled-design-2023-07-26T104945.980.jpg?quality=80&#038;w=680\"\n\t\t\talt=\"Une femme tient son rapport de solvabilit\u00e9 sur lequel figure une cote de 745.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\tstyle=\"object-position: 50% 50%; \"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 mob-mar-t-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\t\t\t<a href=\"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\/\" class=\"h3 loop-post-title mar-t-0\">Cote de solvabilit\u00e9 et emprunt\u00a0: compr\u00e9hension du lien crucial entre les deux<\/a>\n\t\t\t\t\t\t\t<p>Depuis les approbations jusqu\u2019aux taux d\u2019int\u00e9r\u00eat, il importe de comprendre le r\u00f4le central que joue votre cote de solvabilit\u00e9 au moment&#8230;<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-rbccom-latest-posts\">\n<article id=\"post-26698\" class=\"single-post-card-wrapper post-26698 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_audience-nouveaux-arrivants rbc_lob_group-nouveaux-arrivants rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-connaissances-financieres-de-base rbc_mmm_category-conseils-bancaires rbc_mmm_category-evenements-de-la-vie rbc_mmm_category-les-services-bancaires-au-canada rbc_mmm_category-nouveaux-arrivants-au-canada\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \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              <a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/evenements-de-la-vie\/nouveaux-arrivants-au-canada\/les-services-bancaires-au-canada\/etablissement-de-bons-antecedents-de-solvabilite-au-canada-guide-du-nouvel-arrivant\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">\u00c9tablissement de bons ant\u00e9c\u00e9dents de solvabilit\u00e9 au Canada\u00a0\u2013 Guide du nouvel arrivant<\/a>\n                    <p class=\"post-description\">Il est essentiel de bien comprendre comment marche le cr\u00e9dit au Canada afin d&#039;\u00e9tablir de solides bases financi\u00e8res dans votre nouveau pays.<\/p>\n          <\/div>\n  <\/div>\n<\/article>\n\n\n\n<article id=\"post-7039\" class=\"single-post-card-wrapper post-7039 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-etablissement-dun-budget rbc_content_type-article rbc_lob_group-prets rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-comprendre-les-prets rbc_mmm_category-credit-t-et-emprunt\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \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\/etablissement-dun-budget\/\">\n\t\t\t\t\t\t\t<span>\u00c9tablissement d\u2019un budget<\/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              <a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/strategies-pour-rembourser-des-dettes\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">Strat\u00e9gies pour rembourser des dettes<\/a>\n                    <p class=\"post-description\">Des strat\u00e9gies de d\u00e9sendettement applicables \u00e0 n&#039;importe quelle situation.<\/p>\n          <\/div>\n  <\/div>\n<\/article>\n\n\n\n<article id=\"post-21495\" class=\"single-post-card-wrapper post-21495 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-finances-personnelles rbc_content_type-article rbc_lob_group-financement-auto rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-comprendre-les-prets rbc_mmm_category-credit-t-et-emprunt\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \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\/finances-personnelles\/\">\n\t\t\t\t\t\t\t<span>Finances personnelles<\/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              <a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/prets-101-les-faits-sur-les-differentes-options-de-credit\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">Pr\u00eats\u00a0101\u00a0: les faits sur les diff\u00e9rentes options de cr\u00e9dit<\/a>\n                    <p class=\"post-description\">Conna\u00eetre les types d\u2019options de cr\u00e9dit vous aidera \u00e0 d\u00e9terminer si l\u2019un vous convient.<\/p>\n          <\/div>\n  <\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-4d64e53c-b159-4944-b8b0-319f3512678c\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  pad-t-0 pad-b-0 overflow-hidden has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-47618ac2-81d5-49ea-8f9e-dafb0cba5c77\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-b-0 mar-t-0\" id=\"h-outils-calculatrices-et-cours\">Outils, calculatrices et cours<\/h2>\n\n\n\n<div class=\"wp-block-rbc-carousel-container is-layout-carousel-carousel is-mobile-per-page-1.2 is-desktop-per-page-3 is-style-full-height-shadow-overflow\"><div class=\"carousel-wpr top-controls desktop-top-right desktop-top-right-dots-hidden mobile-controls-hidden\" data-mobile-per-page=\"1.2\" aria-label=\"Carousel Container\" data-visible-slide=\"3\" data-infinite-loop=\"true\"><div class=\"carousel-ctrl\"><div class=\"carousel-indicators\"><\/div><button class=\"carousel-prev slick-arrow\" aria-label=\"previous slide\"><\/button><button class=\"carousel-next slick-arrow\" aria-label=\"next slide\"><\/button><\/div><div class=\"col-wpr eh-wpr carousel-inner\">\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3a5424e9 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-80\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-calc.svg\" alt=\"icons\/icon-calc\"\/><\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e0a9f7f8-095e-4fcf-b651-28eb413c188f\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h3 class=\"wp-block-heading\" id=\"h-calculatrice-des-versements-sur-marge-de-credit-et-sur-pret\">Calculatrice des versements sur marge de cr\u00e9dit et sur pr\u00eat<\/h3>\n<\/div>\n<a href=\"https:\/\/apps.royalbank.com\/uaw0\/personalloans\/payment\/?lang=fr\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-f4488160-c038-4f63-91f8-7cca1f66eee5\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-9270c2a8-1a55-4eff-a5a1-ac58b62cf06f\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0 mar-b-0\" id=\"h-plus-de-comprendre-les-prets\">Plus de Comprendre les pr\u00eats<\/h2>\n\n\n\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\" style=\"flex-basis:60%\">\t\t<div class=\" wp-block-rbc-latest-posts wp-block-rbc-latest-posts-type-2\">\n\t\t\t\n<article id=\"post-37493\" class=\"rbc-latest-posts-content-card-type-2 post-37493 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette tag-gestion-de-largent rbc_content_type-article rbc_audience-jeunes rbc_lob_group-modes-dacces rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-comprendre-les-prets rbc_mmm_category-connaissances-financieres-de-base rbc_mmm_category-credit-t-et-emprunt rbc_mmm_category-etablissement-du-budget\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Jeune femme assise sur un canap\u00e9 avec une carte de cr\u00e9dit dans une main et un smartphone dans l\u2019autre, examinant une option de paiement Acheter maintenant, payez plus tard pour un achat en ligne.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"411\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Jeune femme assise sur un canap\u00e9 avec une carte de cr\u00e9dit dans une main et un smartphone dans l\u2019autre, examinant une option de paiement Acheter maintenant, payez plus tard pour un achat en ligne.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\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\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/votre-guide-des-services-acheter-maintenant-payer-plus-tard-comment-fonctionnent-ils-quand-les-utiliser-et-quand-sabstenir\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Votre guide des services \u00ab Acheter maintenant, payer plus tard \u00bb : comment fonctionnent-ils, quand les utiliser et quand s\u2019abstenir?<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Les services \u00ab\u00a0Acheter maintenant, payer plus tard\u00a0\u00bb sont une option de paiement tr\u00e8s appr\u00e9ci\u00e9e que vous pouvez utiliser si vous souhaitez&#8230;<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-37493 -->\n\n<article id=\"post-36432\" class=\"rbc-latest-posts-content-card-type-2 post-36432 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette tag-gestion-de-largent-2 rbc_content_type-article rbc_audience-jeunes rbc_audience-nouveaux-arrivants rbc_audience-parents rbc_lob_group-prets rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-comprendre-les-prets rbc_mmm_category-connaissances-financieres-de-base rbc_mmm_category-credit-t-et-emprunt rbc_mmm_category-rapport-a-largent\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Une m\u00e8re souriante enlace sa fille qui rit dans une cuisine chaleureuse, tandis qu\u2019une autre personne pr\u00e9pare de la nourriture \u00e0 l\u2019arri\u00e8re-plan.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_1562611987.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Une m\u00e8re souriante enlace sa fille qui rit dans une cuisine chaleureuse, tandis qu\u2019une autre personne pr\u00e9pare de la nourriture \u00e0 l\u2019arri\u00e8re-plan.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\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\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/une-marge-de-credit-un-atout-dans-la-gestion-de-ses-finances-au-canada\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Une marge de cr\u00e9dit, un atout dans la gestion de ses finances au Canada<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Apprenez comment tirer le maximum de votre marge de cr\u00e9dit.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-36432 -->\n\n<article id=\"post-36406\" class=\"rbc-latest-posts-content-card-type-2 post-36406 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_audience-etudiants rbc_audience-jeunes rbc_audience-nouveaux-arrivants rbc_lob_group-prets rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-comprendre-les-prets rbc_mmm_category-connaissances-financieres-de-base rbc_mmm_category-conseils-bancaires rbc_mmm_category-credit-t-et-emprunt\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Un couple heureux est assis sur un canap\u00e9 blanc, jouant avec leur chien allong\u00e9 sur le dos.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_183775940.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Un couple heureux est assis sur un canap\u00e9 blanc, jouant avec leur chien allong\u00e9 sur le dos.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\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\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/utilisation-intelligente-dune-marge-de-credit-pour-eviter-les-pieges\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Utilisation intelligente d\u2019une marge de cr\u00e9dit pour \u00e9viter les pi\u00e8ges<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Si elle est utilis\u00e9e correctement, une marge de cr\u00e9dit peut \u00eatre un outil financier puissant.\u00a0 <\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-36406 -->\n\n\t\t<\/div>\n\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\t\n\t<div class=\"wp-block-tk-spacer id-748a5597-bed6-44e9-a346-86aca8c5d76f\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9c16f3e7-30d0-4a0b-af6e-7ecf53c7b635\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  pad-t-0 pad-b-0 overflow-hidden has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-7ed2a91f-8b4d-4911-bd1f-6e5ec1c38118\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-b-0 mar-t-0\" id=\"h-product-solutions\">Product Solutions<\/h2>\n\n\n\n<div class=\"wp-block-rbc-carousel-container is-layout-carousel-carousel is-mobile-per-page-1.2 is-desktop-per-page-3 default is-style-full-height-shadow-overflow\"><div class=\"carousel-wpr top-controls desktop-top-right desktop-top-right-dots-hidden mobile-controls-hidden\" data-mobile-per-page=\"1.2\" aria-label=\"Carousel Container\" data-visible-slide=\"3\" data-infinite-loop=\"true\"><div class=\"carousel-ctrl\"><div class=\"carousel-indicators\"><\/div><button class=\"carousel-prev slick-arrow\" aria-label=\"previous slide\"><\/button><button class=\"carousel-next slick-arrow\" aria-label=\"next slide\"><\/button><\/div><div class=\"col-wpr eh-wpr carousel-inner\">\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading\" id=\"h-finances-personnelles-pour-tous-par-mcgill\">Finances personnelles pour tous par mcgill<\/h3>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a5a3b6e5-9ba3-4920-b51d-c0f9a03571a8\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p><\/p>\n<\/div>\n<a href=\"https:\/\/mcgillfinancespersonnelles.com\/\" target=\"_self\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-9d6afe1e-1ff5-42de-abcc-d4f6892dea9b\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e42b3d47-0aa2-4f70-951b-30e7ce2aab87\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-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\" style=\"flex-basis:60%\">\t\t<div class=\" wp-block-rbc-latest-posts wp-block-rbc-latest-posts-type-2\">\n\t\t\t\n<article id=\"post-35524\" class=\"rbc-latest-posts-content-card-type-2 post-35524 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_lob_group-cartes-de-credit rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-comprendre-les-prets rbc_mmm_category-credit-t-et-emprunt\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"3 femmes savourant un caf\u00e9 dans un caf\u00e9 tout en payant avec leur carte de cr\u00e9dit\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/05\/shutterstock_2515434207_Adv-of-having-a-credit-card.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"3 femmes savourant un caf\u00e9 dans un caf\u00e9 tout en payant avec leur carte de cr\u00e9dit\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\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\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/avantages-dune-carte-de-credit\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Les avantages d\u2019une carte de cr\u00e9dit<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Les titulaires de carte peuvent profiter d\u2019avantages qui d\u00e9passent la simple commodit\u00e9<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-35524 -->\n\n<article id=\"post-35852\" class=\"rbc-latest-posts-content-card-type-2 post-35852 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette tag-etablissement-dun-budget tag-etudiants tag-finances-personnelles tag-gestion-de-largent-2 tag-payer-ses-etudes rbc_content_type-article rbc_audience-etudiants rbc_audience-jeunes rbc_audience-parents rbc_lob_group-etudiants rbc_lob_group-prets rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-comprendre-les-prets rbc_mmm_category-credit-et-cote-de-solvabilite rbc_mmm_category-credit-t-et-emprunt rbc_mmm_category-etudes-collegiales-ou-universitaires rbc_mmm_category-etudes-et-carriere rbc_mmm_category-etudiants-en-medecine-ou-en-dentisterie rbc_mmm_category-objectifs-et-aspirations\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"\u00c9tudiants diversifi\u00e9s qui \u00e9tudient. Repr\u00e9sente l&#039;enseignement sup\u00e9rieur et l&#039;aide financi\u00e8re\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/student_loans.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"\u00c9tudiants diversifi\u00e9s qui \u00e9tudient. Repr\u00e9sente l&#039;enseignement sup\u00e9rieur et l&#039;aide financi\u00e8re\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\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\/payer-ses-etudes\/\">\n\t\t\t\t\t\t\t<span>Payer ses \u00e9tudes<\/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\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/tout-ce-que-vous-devez-savoir-sur-les-prets-etudiants-au-canada\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Tout ce que vous devez savoir sur les pr\u00eats \u00e9tudiants au Canada<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Un guide clair sur les pr\u00eats, bourses et options de cr\u00e9dit pour financer vos \u00e9tudes postsecondaires au Canada.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-35852 -->\n\n<article id=\"post-7057\" class=\"rbc-latest-posts-content-card-type-2 post-7057 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_lob_group-prets rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-comprendre-les-prets rbc_mmm_category-credit-t-et-emprunt\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Une femme confiante portant des lunettes compte des factures et calcule son budget \u00e0 la maison\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-14T124435.419.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Une femme confiante portant des lunettes compte des factures et calcule son budget \u00e0 la maison\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\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\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/gerer-ses-dettes-sans-sacrifier-ses-objectifs-financiers\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">G\u00e9rer ses dettes sans sacrifier ses objectifs financiers<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Rembourser vos dettes ou \u00e9pargner ? Avec la bonne strat\u00e9gie, vous pourriez faire les deux et atteindre vos objectifs financiers.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-7057 -->\n\t\t\t\t\t<div class=\"load-more-button text-center mob-pad-t-hlf pad-t\">\n\t\t\t\t\t\t<button class=\"btn tertiary mar-t-0\">Afficher d\u2019autres articles<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t<\/div>\n\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\t\n\t<div class=\"wp-block-tk-spacer id-5bc02d57-6416-4606-9e6d-4a6cc1d6e00a\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-73ace8c6-2d51-4ba1-bc89-49adbebfac58\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p><\/p>\n<style 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