{"id":6620,"date":"2017-06-30T00:00:00","date_gmt":"2017-06-30T00:00:00","guid":{"rendered":""},"modified":"2024-02-22T16:22:03","modified_gmt":"2024-02-22T16:22:03","slug":"six-choses-surprenantes-que-les-etudiants-devraient-savoir-sur-la-cote-de-solvabilite","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/six-choses-surprenantes-que-les-etudiants-devraient-savoir-sur-la-cote-de-solvabilite\/","title":{"rendered":"Six choses surprenantes que les \u00e9tudiants devraient savoir sur la 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\/services-bancaires-services-bancaires-numeriques\/\">\n\t\t\t\t\t\t\t<span>Services bancaires\/services bancaires num\u00e9riques<\/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\">Six choses surprenantes que les \u00e9tudiants devraient savoir sur la cote de solvabilit\u00e9<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Amanda Reaume<\/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-students-credit-score_402x.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-students-credit-score_402x.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-students-credit-score_402x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-students-credit-score_402x.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=Six choses surprenantes que les \u00e9tudiants devraient savoir sur la 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\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/six-choses-surprenantes-que-les-etudiants-devraient-savoir-sur-la-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\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/six-choses-surprenantes-que-les-etudiants-devraient-savoir-sur-la-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 30 juin 2017 \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>Parce qu&rsquo;une bonne cote de solvabilit\u00e9 vous aidera \u00e0 obtenir de meilleurs taux, \u00e0 payer moins d&rsquo;int\u00e9r\u00eats sur les pr\u00eats hypoth\u00e9caires ou autres que vous contracterez au cours de votre vie et donc \u00e0 r\u00e9aliser d&rsquo;importantes \u00e9conomies.<\/p>\n\n\n\n<p>Contrairement \u00e0 la croyance populaire, il n&rsquo;est pas n\u00e9cessaire d&rsquo;\u00eatre un g\u00e9nie pour comprendre sa cote de solvabilit\u00e9. Il vous suffit d&rsquo;apprivoiser quelques notions de base sur le cr\u00e9dit et la fa\u00e7on dont la cote est \u00e9tablie.<\/p>\n\n\n\n<p>Voici six choses que vous ignorez peut-\u00eatre au sujet de la cote de solvabilit\u00e9 :<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Vous n&rsquo;avez pas qu&rsquo;une seule cote de solvabilit\u00e9<\/h2>\n\n\n\n<p>M\u00eame si on vous parle souvent de \u00ab votre cote de solvabilit\u00e9 \u00bb comme si vous n&rsquo;en aviez qu&rsquo;une, en r\u00e9alit\u00e9, vous en avez plusieurs. Au Canada, il existe deux agences d&rsquo;\u00e9valuation du cr\u00e9dit : TransUnion et Equifax. Chacune d&rsquo;elles utilise une m\u00e9thode l\u00e9g\u00e8rement diff\u00e9rente pour \u00e9tablir votre cote de solvabilit\u00e9 en fonction de vos ant\u00e9c\u00e9dents de cr\u00e9dit. Les banques et d&rsquo;autres types de pr\u00eateurs peuvent \u00e9galement avoir recours aux cotes de solvabilit\u00e9 \u00e9tablies par d&rsquo;autres entreprises avant d&rsquo;approuver votre demande de cr\u00e9dit.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/207351-shutterstock_630738098.jpg\" alt=\"Homme d\u2019affaires afro-am\u00e9ricain stup\u00e9fait. Illustration vectorielle pop art r\u00e9tro.\" class=\"wp-image-2086\" title=\"Homme d\u2019affaires afro-am\u00e9ricain stup\u00e9fait. Illustration vectorielle pop art r\u00e9tro.\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">2. La r\u00e8gle d&rsquo;or du 20-30<\/h2>\n\n\n\n<p>Votre cote de solvabilit\u00e9 est fortement influenc\u00e9e par le cr\u00e9dit disponible que vous utilisez. C&rsquo;est ce qu&rsquo;on appelle le <b>ratio d&rsquo;utilisation du cr\u00e9dit<\/b>. Pour obtenir une bonne cote de solvabilit\u00e9, vous devriez utiliser au plus 20 % ou 30 % de votre cr\u00e9dit disponible. Au-del\u00e0 de ce ratio, que ce soit sur une carte en particulier ou votre cr\u00e9dit global, vous risquez de nuire \u00e0 votre cote de solvabilit\u00e9. Qu&rsquo;en est-il si vous remboursez votre solde chaque mois ? \u00c7a ne change rien ! Si vous utilisez plus de 20 % ou 30 % de votre limite de cr\u00e9dit, votre ratio d&rsquo;utilisation du cr\u00e9dit en souffrira.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Payez plus que le montant minimum<\/h2>\n\n\n\n<p>Bien qu&rsquo;il soit important d&rsquo;effectuer au moins le paiement minimum, ne vous contentez pas de ce montant. Autrement, vous aurez besoin d&rsquo;un temps fou pour ramener le solde de votre carte de cr\u00e9dit \u00e0 z\u00e9ro. Si vous n&rsquo;\u00eates pas en mesure de rembourser votre solde en entier, payez au moins un peu plus que le minimum exig\u00e9. M\u00eame si ce n&rsquo;est que 10 $ de plus par mois, ce montant suppl\u00e9mentaire vous aidera \u00e0 r\u00e9duire votre dette et \u00e0 la rembourser int\u00e9gralement un peu plus rapidement. C&rsquo;est sans compter qu&rsquo;en r\u00e9duisant votre solde, vous paierez moins d&rsquo;int\u00e9r\u00eats chaque mois.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/207352-shutterstock_310787267.jpg\" alt=\"Un homme r\u00e9agit \u00e0 la joie d\u2019une autre personne. Pop art de style r\u00e9tro.\" class=\"wp-image-2087\" title=\"Un homme r\u00e9agit \u00e0 la joie d\u2019une autre personne. Pop art de style r\u00e9tro.\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">4. Obtenir son rapport et sa cote de solvabilit\u00e9 : beaucoup plus facile qu&rsquo;il en para\u00eet !<b><\/b><\/h2>\n\n\n\n<p>Saviez-vous que vous pouviez obtenir un exemplaire gratuit de votre rapport de solvabilit\u00e9 une fois par ann\u00e9e ? Pour l&rsquo;obtenir, rien de plus simple. Il suffit de remplir la formule pertinente et de l&rsquo;envoyer \u00e0 l&rsquo;une des deux agences d&rsquo;\u00e9valuation du cr\u00e9dit du Canada (Equifax ou TransUnion), accompagn\u00e9e d&rsquo;une photocopie de vos pi\u00e8ces d&rsquo;identit\u00e9. Vous recevrez votre rapport de solvabilit\u00e9 par la poste deux ou trois semaines plus tard. Votre rapport de solvabilit\u00e9 pr\u00e9sente vos ant\u00e9c\u00e9dents de cr\u00e9dit et tous les \u00e9l\u00e9ments qui contribuent \u00e0 votre cote de solvabilit\u00e9 g\u00e9n\u00e9rale. Vous pouvez aussi obtenir votre cote de solvabilit\u00e9 instantan\u00e9ment en ligne moyennant certains frais : aussi peu que 16,95 $ chez TransUnion ou que 19,95 $ chez Equifax.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/207086-shutterstock_336681797.jpg\" alt=\"Pop art de style r\u00e9tro illustrant une \u00e9l\u00e8ve au volant et son instructeur en panique. Auto et transport.\" class=\"wp-image-2088\" title=\"Pop art de style r\u00e9tro illustrant une \u00e9l\u00e8ve au volant et son instructeur en panique. Auto et transport.\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">5. Demander plusieurs cartes de cr\u00e9dit, une pratique n\u00e9faste pour votre cote de solvabilit\u00e9<\/h2>\n\n\n\n<p>On vous offre un chandail gratuit ou des primes de voyage si vous remplissez une demande de cr\u00e9dit ? Attention ! Un trop grand nombre de demandes de cr\u00e9dit nuira \u00e0 votre cote. En effet, les agences d&rsquo;\u00e9valuation du cr\u00e9dit tiennent compte de la fr\u00e9quence \u00e0 laquelle vous demandez du cr\u00e9dit et vous p\u00e9nalisent en cons\u00e9quence. Si vous remplissez une demande de cr\u00e9dit, assurez-vous d&rsquo;obtenir bien plus qu&rsquo;un chandail gratuit. Voici un <a href=\"http:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/credit-card-selector\/index.html?ref=dl-132296\">outil ing\u00e9nieux<\/a> qui vous aidera \u00e0 choisir la carte dont les caract\u00e9ristiques correspondent le mieux \u00e0 vos besoins.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Ce n&rsquo;est pas juste une question de cartes de cr\u00e9dit !<\/h2>\n\n\n\n<p>Les conseils ci-dessus peuvent laisser croire que seules les cartes de cr\u00e9dit ont une incidence sur votre cote de solvabilit\u00e9. M\u00eame s&rsquo;il est vrai qu&rsquo;elles ont un effet marqu\u00e9 sur votre cote de solvabilit\u00e9, ce n&rsquo;est pas le seul facteur. Il est notamment possible d&rsquo;am\u00e9liorer sa cote de solvabilit\u00e9 en combinant diff\u00e9rents produits de cr\u00e9dit comme un pr\u00eat \u00e9tudiant, un pr\u00eat automobile ou un pr\u00eat hypoth\u00e9caire. Peu importe le produit de cr\u00e9dit, prenez le temps de voir s&rsquo;il r\u00e9pond \u00e0 vos besoins et de demander l&rsquo;avis d&rsquo;un membre de votre famille ou d&rsquo;un conseiller financier.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Six choses surprenantes que les \u00e9tudiants devraient savoir sur la 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\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/six-choses-surprenantes-que-les-etudiants-devraient-savoir-sur-la-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\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/six-choses-surprenantes-que-les-etudiants-devraient-savoir-sur-la-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  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-68c90a18-b093-4c3d-b12a-ce26c6281e62\" 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\/services-bancaires-services-bancaires-numeriques\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Services bancaires\/services bancaires num\u00e9riques<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Thumbnail-default-289.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Image montrant une jeune femme payant des factures avec une carte de cr\u00e9dit\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Thumbnail-default-289.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Thumbnail-default-289.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Thumbnail-default-289.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\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\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/\">\n\t\t\t\t\t\tCr\u00e9dit et cote de solvabilit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/les-5-mythes-entourant-la-cote-de-solvabilite\/\" class=\"card-title h4 mar-t-0\">Les 5 mythes entourant la cote de solvabilit\u00e9<\/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\/06\/shutterstock_1016243905_gradfinances.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un groupe de cinq jeunes adultes assis autour d\u2019une table de caf\u00e9, souriants et prenant un selfie ensemble. Ils sont habill\u00e9s de fa\u00e7on d\u00e9contract\u00e9e et semblent appr\u00e9cier leur caf\u00e9 et leur moment ensemble. L\u2019endroit est lumineux gr\u00e2ce \u00e0 la lumi\u00e8re naturelle qui entre par de grandes fen\u00eatres.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_1016243905_gradfinances.jpg 5472w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_1016243905_gradfinances.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_1016243905_gradfinances.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_1016243905_gradfinances.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_1016243905_gradfinances.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/shutterstock_1016243905_gradfinances.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\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/amelioration-de-votre-cote-de-solvabilite\/\">\n\t\t\t\t\t\tAm\u00e9lioration de votre cote de solvabilit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/amelioration-de-votre-cote-de-solvabilite\/au-dela-des-livres-un-plan-de-match-pour-gerer-efficacement-les-dettes-detudes\/\" class=\"card-title h4 mar-t-0\">Au-del\u00e0 des livres : un plan de match pour g\u00e9rer efficacement les dettes d\u2019\u00e9tudes<\/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\/06\/student_loans.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\u00c9tudiants diversifi\u00e9s qui \u00e9tudient. Repr\u00e9sente l&#039;enseignement sup\u00e9rieur et l&#039;aide financi\u00e8re\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/student_loans.jpg 8688w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/student_loans.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/student_loans.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/student_loans.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/student_loans.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/student_loans.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\/credit-t-et-emprunt\/comprendre-les-prets\/\">\n\t\t\t\t\t\tComprendre les pr\u00eats\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\/credit-t-et-emprunt\/comprendre-les-prets\/tout-ce-que-vous-devez-savoir-sur-les-prets-etudiants-au-canada\/\" class=\"card-title h4 mar-t-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\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-68c90a18-b093-4c3d-b12a-ce26c6281e62 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-68c90a18-b093-4c3d-b12a-ce26c6281e62 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Il est important de comprendre la notion de cote de solvabilit\u00e9, de savoir ce qui l&rsquo;influence et ce que vous pouvez faire pour l&rsquo;am\u00e9liorer. Pourquoi ?<\/p>\n","protected":false},"author":112,"featured_media":7659,"parent":6560,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[129],"rbc_content_type":[121],"rbc_audience":[126],"rbc_lob_group":[127],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,58,45,332,46,34,29,57,91],"class_list":["post-6620","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-services-bancaires-services-bancaires-numeriques","rbc_content_type-article","rbc_audience-etudiants","rbc_lob_group-etudiants","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-amelioration-de-votre-cote-de-solvabilite","rbc_mmm_category-connaissances-financieres-de-base","rbc_mmm_category-credit-et-cote-de-solvabilite","rbc_mmm_category-credit-t-et-emprunt","rbc_mmm_category-difficulte-a-joindre-les-deux-bouts","rbc_mmm_category-endettement-et-reduction-du-stress","rbc_mmm_category-gestion-des-depenses","rbc_mmm_category-types-de-comptes"],"acf":{"contently_publication_id":"132296","custom_author":"Amanda Reaume","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 v26.7 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Voici six choses que vous ignorez peut-\u00eatre au sujet de la cote de solvabilit\u00e9.\" \/>\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\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/six-choses-surprenantes-que-les-etudiants-devraient-savoir-sur-la-cote-de-solvabilite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Voici six choses 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