{"id":6699,"date":"2019-05-10T00:00:00","date_gmt":"2019-05-10T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/achat-dune-maison\/achat-dune-premiere-maison\/votre-pret-hypothecaire-a-ete-preapprouve-voici-trois-choses-que-vous-devez-faire-a-present\/"},"modified":"2024-05-22T17:49:54","modified_gmt":"2024-05-22T17:49:54","slug":"votre-pret-hypothecaire-a-ete-preapprouve-voici-trois-choses-que-vous-devez-faire-a-present","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\/votre-pret-hypothecaire-a-ete-preapprouve-voici-trois-choses-que-vous-devez-faire-a-present\/","title":{"rendered":"Votre pr\u00eat hypoth\u00e9caire a \u00e9t\u00e9 pr\u00e9approuv\u00e9 \u0096 Voici trois choses que vous devez faire \u00e0 pr\u00e9sent"},"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\/accession-a-la-propriete\/\">\n\t\t\t\t\t\t\t<span>Accession \u00e0 la propri\u00e9t\u00e9<\/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\">Votre pr\u00eat hypoth\u00e9caire a \u00e9t\u00e9 pr\u00e9approuv\u00e9 \u0096 Voici trois choses que vous devez faire \u00e0 pr\u00e9sent<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/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\/Youre-Pre-approved_Thumbnail-default@2x.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Youre-Pre-approved_Thumbnail-default@2x.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Youre-Pre-approved_Thumbnail-default@2x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Youre-Pre-approved_Thumbnail-default@2x.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=Votre pr\u00eat hypoth\u00e9caire a \u00e9t\u00e9 pr\u00e9approuv\u00e9 \u0096 Voici trois choses que vous devez faire \u00e0 pr\u00e9sent &#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\/votre-pret-hypothecaire-a-ete-preapprouve-voici-trois-choses-que-vous-devez-faire-a-present\/\">\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\/votre-pret-hypothecaire-a-ete-preapprouve-voici-trois-choses-que-vous-devez-faire-a-present\/\">\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 10 mai 2019 \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>Vous avez toujours r\u00eav\u00e9 de devenir propri\u00e9taire et maintenant que votre pr\u00eat hypoth\u00e9caire est pr\u00e9approuv\u00e9, vous vous rapprochez de la r\u00e9alisation de votre r\u00eave. Avant de faire une offre, songez \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>\u00c9tablir un budget r\u00e9aliste que vous pouvez respecter.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Faire des plans en cas d&rsquo;impr\u00e9vus.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Dresser une liste des choses \u00e0 faire.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Planifier n&rsquo;a pas \u00e0 \u00eatre difficile et cela peut vous permettre d&rsquo;\u00e9conomiser \u00e0 long terme \u2013 voici comment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u00c9tablissez un budget<\/h2>\n\n\n\n<p>Vous pensez peut-\u00eatre que vous pouvez consacrer tout le montant pr\u00e9approuv\u00e9 \u00e0 l&rsquo;achat d&rsquo;une maison, mais avant de chercher des maisons dans cette fourchette de prix, pensez \u00e0 additionner tous les co\u00fbts li\u00e9s \u00e0 l&rsquo;achat d&rsquo;une propri\u00e9t\u00e9. Apr\u00e8s tout, vous n&rsquo;aurez pas que votre pr\u00eat hypoth\u00e9caire \u00e0 payer.<\/p>\n\n\n\n<p>N&rsquo;oubliez pas les co\u00fbts fixes, comme les frais de cl\u00f4ture, qui repr\u00e9sentent habituellement de deux \u00e0 cinq pour cent du co\u00fbt de la maison. Les frais de cl\u00f4ture peuvent comprendre l&rsquo;inspection de l&rsquo;habitation, des \u00e9valuations, les honoraires du notaire ou de l&rsquo;avocat, les droits de mutation immobili\u00e8re, l&rsquo;enregistrement immobilier et l&rsquo;assurance pr\u00eat hypoth\u00e9caire ou l&rsquo;assurance de la Soci\u00e9t\u00e9 canadienne d&rsquo;hypoth\u00e8ques et de logement (SCHL).<\/p>\n\n\n\n<p>Il faut penser \u00e0 l&rsquo;assurance habitation, aux taxes fonci\u00e8res et aux charges de copropri\u00e9t\u00e9 selon le type d&rsquo;habitation que vous recherchez. Ajoutez tous ces co\u00fbts fixes \u00e0 votre budget. Vous pourriez d\u00e9cider d&#8217;emprunter un montant moindre que celui auquel vous \u00eates admissible pour avoir une plus grande marge de man\u0153uvre dans votre budget.<\/p>\n\n\n\n<p>En plus des co\u00fbts fixes, prenez en consid\u00e9ration les d\u00e9penses variables, comme les frais de d\u00e9m\u00e9nagement (si vos amis ne vous aideront pas \u00e0 d\u00e9m\u00e9nager en \u00e9change de bi\u00e8re et de pizza), ainsi que les nouveaux meubles et les r\u00e9novations que vous envisagez.<\/p>\n\n\n\n<p>Certaines de ces d\u00e9penses peuvent \u00eatre report\u00e9es \u2013 sauf bien entendu si vous croyez ne pas pouvoir supporter le linol\u00e9um qui d\u00e9colle dans la salle de bain pour les mois ou ann\u00e9es \u00e0 venir. Devrez-vous remplacer la toiture bient\u00f4t ? Quelles sont les choses qui risquent de vous co\u00fbter cher plus tard ?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Faites des plans en cas d&rsquo;impr\u00e9vus<\/h2>\n\n\n\n<p>Contracter une hypoth\u00e8que constitue un engagement important. Si vous achetez une maison avec un partenaire, vous pourriez avoir besoin des deux revenus pour payer les factures. Mais si un impr\u00e9vu se produit et que l&rsquo;un de vous deux ne peut travailler, vous pourriez \u00eatre dans l&rsquo;incapacit\u00e9 de rembourser votre pr\u00eat hypoth\u00e9caire.<\/p>\n\n\n\n<p>Il existe des moyens pour aider \u00e0 prot\u00e9ger votre famille et votre maison :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>\u00c9tablissez un fonds d&rsquo;urgence pour couvrir vos d\u00e9penses des trois \u00e0 six prochains mois.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Envisagez un gagne-pain d&rsquo;appoint pour aider \u00e0 couvrir les d\u00e9penses.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Prot\u00e9gez votre maison en cas de vol, d&rsquo;incendie ou d&rsquo;autres dommages avec une assurance propri\u00e9taire occupant.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcbanqueroyale.com\/hypotheques\/home_protector_insurance.html?promo_name=ENT_CreditorInsruanceFR_DNL&amp;promo_id=209606&amp;promo_position=body&amp;promo_creative=You%27re%20Preapproved%20for%20a%20Mortgage\">Assurez votre solde hypoth\u00e9caire<\/a>&nbsp;en cas d\u2019impr\u00e9vus avec une assurance vie, une assurance vie et invalidit\u00e9 ou une assurance vie et maladies graves.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. Dressez une liste des choses \u00e0 faire<\/h2>\n\n\n\n<p>Vous avez obtenu votre pr\u00e9approbation d&rsquo;hypoth\u00e8que, \u00e9tabli un budget, constitu\u00e9 un fonds d&rsquo;urgence et obtenu une soumission pour la police d&rsquo;assurance \u0096 quoi d&rsquo;autre ?<\/p>\n\n\n\n<p>Il vous reste \u00e0 trouver la maison de vos r\u00eaves et \u00e0 faire une offre.<\/p>\n\n\n\n<p><b>\u00c9tapes pour l&rsquo;achat d&rsquo;une maison<\/b><\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Faites une offre avec l&rsquo;aide d&rsquo;un agent immobilier, d&rsquo;un notaire ou d&rsquo;un avocat.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>D\u00e9cidez des modalit\u00e9s \u0096 p. ex., date de cl\u00f4ture, date de prise de possession, plan en cas d&rsquo;impr\u00e9vus.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>N\u00e9gociez avec les vendeurs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Signez la convention de vente.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Faites inspecter et \u00e9valuer la maison.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Fournissez \u00e0 votre pr\u00eateur les documents requis pour votre hypoth\u00e8que.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Versez la mise de fonds.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Payez les frais de cloture.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Une fois la maison achet\u00e9e, il reste encore des choses \u00e0 faire ! Voici certanes <a href=\"https:\/\/decouverte.rbcbanqueroyale.com\/oups-taches-que-vous-pourriez-avoir-oubliees-avant-votre-demenagement\/?promo_name=ENT_CreditorInsruanceFR_DNL&amp;promo_id=209606&amp;promo_position=body2&amp;promo_creative=You're Preapproved for a Mortgage\">des \u00e9tapes \u00e0 ne pas oublier au moment de d\u00e9m\u00e9nager<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Profitez de votre nouvelle maison<\/h3>\n\n\n\n<p>C&rsquo;est excitant de d\u00e9m\u00e9nager dans votre premi\u00e8re maison, mais vous voulez \u00e9galement assurer votre avenir (et celui de votre famille). Voil\u00e0 pourquoi il est important de savoir ce que votre budget vous permet, quelles mesures prendre avant le grand d\u00e9m\u00e9nagement et comment prot\u00e9ger votre maison de tout ce que la vie vous reserve.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-31cfef94-e9ce-47a8-bc4c-bb04a29120ec\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Votre pr\u00eat hypoth\u00e9caire a \u00e9t\u00e9 pr\u00e9approuv\u00e9 \u0096 Voici trois choses que vous devez faire \u00e0 pr\u00e9sent &#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\/votre-pret-hypothecaire-a-ete-preapprouve-voici-trois-choses-que-vous-devez-faire-a-present\/\">\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\/votre-pret-hypothecaire-a-ete-preapprouve-voici-trois-choses-que-vous-devez-faire-a-present\/\">\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-3de47613-b9a0-4eb3-a6c0-900fb56ebe04\" 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\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Des parents heureux c\u00e9l\u00e9brant la graduation de leur enfant, sachant qu&#039;ils ont r\u00e9ussi \u00e0 \u00e9quilibrer leurs cotisations au REEE et au REER.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg 3900w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_172567265_RESPvsRRSP-1.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\/evenements-de-la-vie\/finances-et-relations\/parentalite\/\">\n\t\t\t\t\t\tParentalit\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\/evenements-de-la-vie\/finances-et-relations\/parentalite\/reee-et-reer-comment-trouver-lequilibre-entre-lepargne-etudes-et-lepargne-retraite\/\" class=\"card-title h4 mar-t-0\">REEE et REER : comment trouver l\u2019\u00e9quilibre entre l\u2019\u00e9pargne-\u00e9tudes et l\u2019\u00e9pargne-retraite<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"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=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Couple d&#039;\u00e2ge moyen promenant un chien et r\u00e9fl\u00e9chissant \u00e0 leur \u00e9pargne-retraite et s\u00e9curit\u00e9 financi\u00e8re future ; image illustrant la planification de la pr\u00e9paration \u00e0 la retraite\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg 6720w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.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\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/\">\n\t\t\t\t\t\tPlanification de la retraite\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\/retraite\/planification-de-la-retraite\/en-retard-dans-votre-epargne-retraite-voici-ce-quil-faut-faire\/\" class=\"card-title h4 mar-t-0\">En retard dans votre \u00e9pargne-retraite? Voici ce qu\u2019il faut faire.<\/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-31cfef94-e9ce-47a8-bc4c-bb04a29120ec {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-31cfef94-e9ce-47a8-bc4c-bb04a29120ec {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-3de47613-b9a0-4eb3-a6c0-900fb56ebe04 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-3de47613-b9a0-4eb3-a6c0-900fb56ebe04 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Vous achetez une maison ? Cela peut \u00eatre stressant ! Voici quelques conseillers pour faciliter le processus et r\u00e9duire le stress.<\/p>\n","protected":false},"author":10,"featured_media":8519,"parent":6526,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[133,134],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[186],"rbc_difficulty_level":[123],"rbc_mmm_category":[37,63,30],"class_list":["post-6699","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-accession-a-la-propriete","tag-immobilier","rbc_content_type-article","rbc_lob_group-services-transfrontieres","rbc_difficulty_level-beginner","rbc_mmm_category-achat-dune-maison","rbc_mmm_category-achat-dune-premiere-maison","rbc_mmm_category-objectifs-et-aspirations"],"acf":{"contently_publication_id":"209606","custom_author":"RBC","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":"<!-- 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