{"id":6703,"date":"2019-05-24T00:00:00","date_gmt":"2019-05-24T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/voyages-et-services-transfrontieres\/achat-ou-refinancement-dune-propriete-aux-etats-unis\/cinq-avantages-de-financer-lachat-dune-maison-aux-etats-unis\/"},"modified":"2024-07-22T19:33:49","modified_gmt":"2024-07-22T19:33:49","slug":"cinq-avantages-de-financer-lachat-dune-maison-aux-etats-unis","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/voyages-et-services-transfrontieres\/achat-ou-refinancement-dune-propriete-aux-etats-unis\/cinq-avantages-de-financer-lachat-dune-maison-aux-etats-unis\/","title":{"rendered":"Cinq avantages de financer l&rsquo;achat d&rsquo;une maison aux \u00c9tats-Unis"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/immobilier\/\">\n\t\t\t\t\t\t\t<span>Immobilier<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Cinq avantages de financer l&rsquo;achat d&rsquo;une maison aux \u00c9tats-Unis<\/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\/2023\/09\/5_Benefits_Thumbnail-default_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\/5_Benefits_Thumbnail-default_402x.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/5_Benefits_Thumbnail-default_402x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/5_Benefits_Thumbnail-default_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=Cinq avantages de financer l&rsquo;achat d&rsquo;une maison aux \u00c9tats-Unis &#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\/voyages-et-services-transfrontieres\/achat-ou-refinancement-dune-propriete-aux-etats-unis\/cinq-avantages-de-financer-lachat-dune-maison-aux-etats-unis\/\">\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\/voyages-et-services-transfrontieres\/achat-ou-refinancement-dune-propriete-aux-etats-unis\/cinq-avantages-de-financer-lachat-dune-maison-aux-etats-unis\/\">\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 24 mai 2019 \u2022 6 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>Financer votre maison situ\u00e9e aux \u00c9tats-Unis plut\u00f4t que de la payer comptant offre non seulement des avantages financiers \u00e0 court et \u00e0 long terme, mais peut \u00e9galement vous faire \u00e9conomiser tout en vous offrant s\u00e9curit\u00e9 et flexibilit\u00e9 \u0096 aujourd&rsquo;hui et demain. Quelle que soit la raison de votre migration vers le sud, pensez aux avantages du financement de votre nouvelle propri\u00e9t\u00e9 aux \u00c9tats-Unis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cinq bonnes raisons de financer votre maison aux \u00c9tats-Unis<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. R\u00e9duisez votre fardeau financier initial<\/h3>\n\n\n\n<p>Si vous choisissez de financer votre nouvelle maison aux \u00c9tats-Unis, vous r\u00e9partirez ainsi vos versements hypoth\u00e9caires sur une longue p\u00e9riode plut\u00f4t que d&rsquo;assumer sur-le-champ le co\u00fbt total de la propri\u00e9t\u00e9. Pour la plupart d&rsquo;entre nous, amasser un montant aussi important en esp\u00e8ces tient de l&rsquo;impossible. En revanche, r\u00e9unir une mise de fonds de 20 % est beaucoup plus r\u00e9alisable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Payez moins de frais de change \u00e0 l&rsquo;achat<\/h3>\n\n\n\n<p>Si vous avez travers\u00e9 la fronti\u00e8re depuis que la valeur de notre dollar est sous la parit\u00e9 par rapport \u00e0 la devise am\u00e9ricaine, vous avez certainement ressenti les effets du taux de change.<\/p>\n\n\n\n<p>Faites le calcul : si vous d\u00e9cidiez de payer int\u00e9gralement votre propri\u00e9t\u00e9 aux \u00c9tats-Unis en argent comptant, vous auriez \u00e0 d\u00e9bourser beaucoup plus de fonds canadiens pour couvrir non seulement le prix d&rsquo;achat, mais aussi les frais de change. Par contre, si vous n&rsquo;aviez besoin que de 20 % du prix d&rsquo;achat (soit la mise de fonds), vous ressentiriez beaucoup moins les effets du taux de change.<\/p>\n\n\n\n<p>Concr\u00e8tement, en finan\u00e7ant l&rsquo;achat d&rsquo;une maison de 400 000 $ au lieu de la payer comptant, vous pourriez \u00e9conomiser jusqu&rsquo;\u00e0 62 000 $ en frais de change. Voici comment:<\/p>\n\n\n\n<p><i>Supposons que vous d\u00e9boursez 400 000 $, \u00e0 un taux de change de 20 % : vos frais de change s&rsquo;\u00e9l\u00e8veraient \u00e0 80 000 $.<\/i><\/p>\n\n\n\n<p><i>Si vous obtenez plut\u00f4t un financement de 400 000 $, que vous payez une mise en fonds \u00e9quivalant \u00e0 20 % (soit 80 000 $) et des frais de cl\u00f4ture de 10 000 $ : vos frais de change s&rsquo;\u00e9l\u00e8veraient alors \u00e0 18 000 $. C&rsquo;est une diff\u00e9rence de 62 000 $ en frais de change initiaux.<\/i><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Gardez vos fonds canadiens au Canada<\/h3>\n\n\n\n<p>Si vous avez l&rsquo;intention de garder votre statut de r\u00e9sident canadien ou si vous pr\u00e9voyez de retourner au Canada apr\u00e8s quelques ann\u00e9es d&rsquo;exil, il est bon de garder des fonds et autres actifs au Canada. En finan\u00e7ant l&rsquo;achat de votre maison aux \u00c9tats-Unis, vous aurez \u00e0 fournir moins d&rsquo;argent au d\u00e9part, ce qui veut dire que vous n&rsquo;aurez probablement pas besoin d&rsquo;encaisser vos placements canadiens ou de refinancer votre maison au Canada.<\/p>\n\n\n\n<p>En continuant d&rsquo;accro\u00eetre la valeur nette de votre maison et de faire cro\u00eetre vos placements au Canada, vous vous assurez une s\u00e9curit\u00e9 financi\u00e8re pour l&rsquo;avenir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Maintenez vos plans de retraite<\/h3>\n\n\n\n<p>Vous r\u00eavez depuis toujours de vivre une retraite paisible aux \u00c9tats-Unis ? Merveilleux ! Mais n&rsquo;oubliez pas que vous aurez besoin de votre \u00e9pargne-retraite, durement accumul\u00e9e, pendant plusieurs ann\u00e9es. M\u00eame si vous r\u00e9alisez votre r\u00eave aujourd&rsquo;hui, vous devez pouvoir maintenir votre niveau de vie et conserver le plus d&rsquo;\u00e9pargne possible.<\/p>\n\n\n\n<p>Gr\u00e2ce au financement de l&rsquo;achat de votre propri\u00e9t\u00e9 aux \u00c9tats-Unis, vous pouvez laisser une plus grande partie de votre argent canadien dans votre \u00e9pargne-retraite, ce qui vous permet de r\u00e9aliser vos objectifs et de combler vos besoins \u00e0 court et \u00e0 long terme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Profitez d&rsquo;un produit plus facile \u00e0 obtenir que vous ne le pensez<\/h3>\n\n\n\n<p>Obtenir une hypoth\u00e8que aux \u00c9tats-Unis est une fa\u00e7on simple et pratique d&rsquo;acheter une maison chez nos voisins am\u00e9ricains. S&rsquo;il est vrai que l&rsquo;obtention d&rsquo;une hypoth\u00e8que aux \u00c9tats-Unis n&rsquo;\u00e9tait pas chose facile pour les Canadiens, les pr\u00eateurs transfronti\u00e8res facilitent de plus en plus le processus de financement de biens immobiliers aux \u00c9tats-Unis pour les acheteurs canadiens.<\/p>\n\n\n\n<p>Certains de ces pr\u00eateurs, comme RBC Bank, tiennent m\u00eame compte de vos ant\u00e9c\u00e9dents de solvabilit\u00e9 au Canada et de votre relation bancaire avec eux pour \u00e9tablir votre admissibilit\u00e9 \u00e0 un pr\u00eat hypoth\u00e9caire.<\/p>\n\n\n\n<p>De plus, certains pr\u00eats hypoth\u00e9caires aux \u00c9tats-Unis ne comportent aucune restriction au chapitre des versements : les propri\u00e9taires peuvent effectuer en tout temps des versements forfaitaires sans p\u00e9nalit\u00e9 (lorsque le taux de change est avantageux, par exemple).<\/p>\n\n\n\n<p>Votre maison aux \u00c9tats-Unis est \u00e0 port\u00e9e de main! Le financement de votre achat pourrait vous aider \u00e0 atteindre votre objectif plus t\u00f4t que pr\u00e9vu.<\/p>\n\n\n\n<div class=\"wp-block-group block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block mar-b-hlf mob-mar-b-hlf is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-94bc23d7 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-une-presentation-de-rbc-bank\">Une pr\u00e9sentation de RBC Bank<\/h3>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l\">Nous aidons les Canadiens \u00e0 acheter des propri\u00e9t\u00e9s dans les 50 \u00c9tats.<\/p>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf\"><a href=\"https:\/\/www.rbcroyalbank.com\/fr\/services_usa\/?promo_name=ENT_Cross-Border_DNL&amp;promo_id=226129&amp;promo_position=footer&amp;promo_creative=Conseils%20sur%20l%27achat%20harmonieux%20d%27une%20r%C3%A9sidence%20de%20vacances%20familiale&amp;_gl=1*1nxjdu7*_gcl_aw*R0NMLjE3MDY2NDYxMzcuRUFJYUlRb2JDaE1JaHF5OHBQaUZoQU1Wb21wSEFSMDdtZ2Q0RUFBWUFpQUFFZ0kyQ19EX0J3RQ..*_gcl_au*MTM4MjUwNTQ0NS4xNzA2NjI4NTQz*_ga*MjUwNzY4ODE4LjE3MDYyNzgyNjI.*_ga_89NPCTDXQR*MTcwNzgzNDIyOC4zNy4xLjE3MDc4Mzc0MTQuNS4wLjA.&amp;_ga=2.25544190.2144016828.1707747580-250768818.1706278262&amp;_gac=1.204269988.1706646151.EAIaIQobChMIhqy8pPiFhAMVompHAR07mgd4EAAYAiAAEgI2C_D_BwE\" data-dig-id=\"LP-6715-15c36c69\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"En savoir plus\" class=\"rbc-link-format\">En savoir plus<\/a><\/p>\n<\/div>\n\n\n\n<p>RBC Bank d\u00e9signe RBC Bank (Georgia), National Association (\u00ab RBC Bank \u00bb), une filiale am\u00e9ricaine en propri\u00e9t\u00e9 exclusive de Banque Royale du Canada. Elle est membre de la Federal Deposit Insurance Corporation (\u00ab FDIC \u00bb) des \u00c9tats-Unis. Les comptes de d\u00e9p\u00f4t am\u00e9ricains sont assur\u00e9s par la FDIC jusqu\u2019\u00e0 concurrence du montant maximum pr\u00e9vu par la loi. Les produits et services bancaires am\u00e9ricains sont offerts par RBC Bank. Les produits et services bancaires canadiens sont offerts par Banque Royale du Canada. Les comptes de d\u00e9p\u00f4t am\u00e9ricains ne sont pas assur\u00e9s par la Soci\u00e9t\u00e9 d\u2019assurance-d\u00e9p\u00f4ts du Canada (\u00ab SADC \u00bb). RBC Bank, pr\u00eateur \u00e9quitable.<img loading=\"lazy\" decoding=\"async\" width=\"54\" height=\"62\" style=\"vertical-align: middle;margin: 0 2px;width: 30px\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/House_logo-1-7.jpg\" alt=\"equal housing lender\"><\/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-6703-942faa40\" 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-55acc489-03dd-4699-a02f-4c173eb408b5\" 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=Cinq avantages de financer l&rsquo;achat d&rsquo;une maison aux \u00c9tats-Unis &#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\/voyages-et-services-transfrontieres\/achat-ou-refinancement-dune-propriete-aux-etats-unis\/cinq-avantages-de-financer-lachat-dune-maison-aux-etats-unis\/\">\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\/voyages-et-services-transfrontieres\/achat-ou-refinancement-dune-propriete-aux-etats-unis\/cinq-avantages-de-financer-lachat-dune-maison-aux-etats-unis\/\">\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-87b651d3-0f1f-45ad-96aa-610d90a196ef\" 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-55acc489-03dd-4699-a02f-4c173eb408b5 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-55acc489-03dd-4699-a02f-4c173eb408b5 {\n\t\t\theight: 100px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-87b651d3-0f1f-45ad-96aa-610d90a196ef {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-87b651d3-0f1f-45ad-96aa-610d90a196ef {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Votre maison actuelle au Canada, vous ne l&rsquo;avez s\u00fbrement pas pay\u00e9e comptant. Alors, pourquoi envisager comme premi\u00e8re option de payer comptant une r\u00e9sidence situ\u00e9e aux \u00c9tats-Unis?<\/p>\n","protected":false},"author":10,"featured_media":8545,"parent":6534,"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":[150,144,139],"rbc_lob_group":[135],"rbc_difficulty_level":[123],"rbc_mmm_category":[71,30,39],"class_list":["post-6703","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_audience-aines","rbc_audience-nouveaux-arrivants","rbc_audience-parents","rbc_lob_group-pret-hypothecaire","rbc_difficulty_level-beginner","rbc_mmm_category-achat-ou-refinancement-dune-propriete-aux-etats-unis","rbc_mmm_category-objectifs-et-aspirations","rbc_mmm_category-voyages-et-services-transfrontieres"],"acf":{"contently_publication_id":"214689","custom_author":"Diane Amato","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 v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Cinq bonnes raisons de financer votre maison aux \u00c9tats-Unis.\" \/>\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\/objectifs-et-aspirations\/voyages-et-services-transfrontieres\/achat-ou-refinancement-dune-propriete-aux-etats-unis\/cinq-avantages-de-financer-lachat-dune-maison-aux-etats-unis\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Cinq bonnes raisons de 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