{"id":6808,"date":"2025-09-10T13:15:27","date_gmt":"2025-09-10T13:15:27","guid":{"rendered":"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\/"},"modified":"2025-09-10T13:15:28","modified_gmt":"2025-09-10T13:15:28","slug":"les-5-mythes-entourant-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\/les-5-mythes-entourant-la-cote-de-solvabilite\/","title":{"rendered":"Les 5 mythes entourant 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\">Les 5 mythes entourant la cote de solvabilit\u00e9<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Banque Royale du Canada<\/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\/Thumbnail-default-289.jpg?quality=80\" class=\" cover-image  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<\/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=Les 5 mythes entourant 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\/les-5-mythes-entourant-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\/les-5-mythes-entourant-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 10 septembre 2025 \u2022 8 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner pad-b-hlf\">\n<h4 class=\"wp-block-heading\" id=\"h-tlpl\">TLPL<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Le fait de v\u00e9rifier vous-m\u00eame votre cote de solvabilit\u00e9 ne la modifie en rien.&nbsp;Faites-le r\u00e9guli\u00e8rement pour savoir o\u00f9 vous en \u00eates.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Ne fermez pas vos comptes de carte de cr\u00e9dit inutilis\u00e9s&nbsp;; cela pourrait diminuer votre cote par augmentation de votre taux d\u2019utilisation du cr\u00e9dit.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Votre cote de solvabilit\u00e9 ne d\u00e9pend pas de votre revenu.&nbsp;Les pr\u00eateurs peuvent en tenir compte, mais il n\u2019entre pas dans le calcul.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous n\u2019avez pas besoin de reporter le paiement de votre solde pour augmenter votre cr\u00e9dit.&nbsp;R\u00e9glez-le, vous \u00e9viterez de payer des int\u00e9r\u00eats et vous maintiendrez un bon taux d\u2019utilisation.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Il existe deux principales agences d\u2019\u00e9valuation du cr\u00e9dit. De l\u2019une \u00e0 l\u2019autre, votre cote peut varier.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Tout le monde a entendu parler de cotes de solvabilit\u00e9, mais qui sait exactement quel en est l\u2019impact sur notre quotidien&nbsp;? Comment les calcule-t-on, au Canada&nbsp;? Quels sont les facteurs en&nbsp;jeu&nbsp;? Autant de questions autour desquelles r\u00e8gne souvent une grande confusion. Or, qu\u2019il s\u2019agisse d\u2019acheter une maison, de solliciter un pr\u00eat ou de louer un appartement, ce nombre \u00e0 trois chiffres peut influer fortement sur votre situation financi\u00e8re. Attaquons-nous aux mythes les plus courants entourant les cotes de solvabilit\u00e9. Votre sant\u00e9 financi\u00e8re ne pourra qu\u2019y gagner&nbsp;!&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-que-la-cote-de-solvabilite\">Qu&rsquo;est-ce que la cote de solvabilit\u00e9 ?<\/h2>\n\n\n\n<p>Que vous sollicitiez un pr\u00eat-auto, une carte de cr\u00e9dit, un pr\u00eat hypoth\u00e9caire ou une marge de cr\u00e9dit, le pr\u00eateur veut savoir quelle sera votre capacit\u00e9 \u00e0 le rembourser. Pour cela, il examine un nombre compris entre&nbsp;300 et&nbsp;900&nbsp;\u2013&nbsp;votre cote de solvabilit\u00e9, \u00e9tablie d\u2019apr\u00e8s vos dettes en souffrance, les types d\u2019emprunt que vous avez d\u00e9j\u00e0 sollicit\u00e9s (pr\u00eat-auto, marge de cr\u00e9dit,&nbsp;etc.), le nombre de demandes de cr\u00e9dit que vous avez pr\u00e9sent\u00e9es jusqu\u2019ici,&nbsp;etc.&nbsp;<\/p>\n\n\n\n<p>Les modes de calcul varient, mais une cote comprise entre&nbsp;660 et&nbsp;724 est g\u00e9n\u00e9ralement consid\u00e9r\u00e9e comme <a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/bonne-cote-de-solvabilite\/\" data-dig-id=\"LP-6808-b53966dc\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"bonne\" class=\"rbc-link-format\">bonne<\/a>&nbsp;; de&nbsp;725 \u00e0&nbsp;759, elle sera jug\u00e9e tr\u00e8s bonne&nbsp;; au-del\u00e0, on la qualifiera d\u2019excellente. Votre cote n\u2019est pas fixe&nbsp;\u2013&nbsp;elle varie en fonction de vos <a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/6-facons-de-retablir-votre-cote-de-solvabilite\/\" data-dig-id=\"LP-6808-907310ee\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"activit\u00e9s d\u2019emprunt et de remboursement\" class=\"rbc-link-format\">activit\u00e9s d\u2019emprunt et de remboursement<\/a>. Par ailleurs, chaque pr\u00eateur l\u2019interpr\u00e8te selon des r\u00e8gles qui lui sont propres.<\/p>\n\n\n\n<p>Une bonne cote de solvabilit\u00e9 permet souvent d\u2019emprunter \u00e0 un taux plus avantageux, d\u2019obtenir plus de pr\u00eats et de solliciter des sommes plus \u00e9lev\u00e9es. De votre cote de solvabilit\u00e9 peut m\u00eame d\u00e9pendre votre capacit\u00e9 \u00e0 louer un logement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mythe-n\u00ba-1-en-verifiant-ma-cote-de-solvabilite-je-risque-de-la-faire-baisser\">Mythe n\u00ba&nbsp;1&nbsp;\u2013&nbsp;En v\u00e9rifiant ma cote de solvabilit\u00e9, je risque de la faire baisser.<\/h3>\n\n\n\n<p>Beaucoup le pensent, mais c\u2019est faux. On appelle <a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/5-conseils-pour-maintenir-une-bonne-cote-de-solvabilite\/\" data-dig-id=\"LP-6808-66a214ca\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"demande de rapport partiel de solvabilit\u00e9\" class=\"rbc-link-format\">demande de rapport partiel de solvabilit\u00e9<\/a> le fait de v\u00e9rifier sa cote soi-m\u00eame (par exemple aupr\u00e8s d\u2019une agence d\u2019\u00e9valuation du cr\u00e9dit). Cela sera consign\u00e9 dans votre rapport de solvabilit\u00e9, mais personne d\u2019autre que vous ne le saura.<\/p>\n\n\n\n<p>Vous pouvez v\u00e9rifier votre cote de solvabilit\u00e9 sans crainte. Il est m\u00eame conseill\u00e9 de faire le point r\u00e9guli\u00e8rement.<\/p>\n\n\n\n<p>C\u2019est un autre type de v\u00e9rification qui influe sur votre cote&nbsp;: la production d\u2019un rapport complet de solvabilit\u00e9, qui prendra en compte vos demandes de carte de cr\u00e9dit, vos demandes de pr\u00eat hypoth\u00e9caire et certaines de vos demandes de location. Une telle v\u00e9rification, qui peut figurer jusqu\u2019\u00e0 36&nbsp;mois dans votre rapport de solvabilit\u00e9, indiquera aux pr\u00eateurs que vous avez r\u00e9cemment sollicit\u00e9 du cr\u00e9dit. Tout d\u00e9pendant de votre profil, le nombre de demandes de rapport complet soumises jusqu\u2019ici pourrait influer sur l\u2019\u00e9valuation par les pr\u00eateurs de votre capacit\u00e9 de remboursement. &nbsp;<\/p>\n\n\n\n<p>Le \u00ab&nbsp;magasinage de taux&nbsp;\u00bb constitue toutefois un cas \u00e0 part&nbsp;: pour certains types de pr\u00eat (hypoth\u00e8que, par exemple), plusieurs v\u00e9rifications effectu\u00e9es pendant un court laps de temps (entre&nbsp;14 et 45&nbsp;jours, habituellement) seront g\u00e9n\u00e9ralement consid\u00e9r\u00e9es comme une seule et m\u00eame demande de rapport complet.<\/p>\n\n\n\n<p>En v\u00e9rifiant votre cote de solvabilit\u00e9, vous saurez ce qu\u2019on consigne \u00e0 votre sujet et vous pourrez ainsi \u00ab&nbsp;magasiner&nbsp;\u00bb dans de meilleures conditions. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mythe-n\u00ba-2-on-ameliore-sa-cote-quand-on-ferme-ses-comptes-de-carte-de-credit-inutilises\">Mythe n\u00ba&nbsp;2&nbsp;\u2013&nbsp;On am\u00e9liore sa cote quand on ferme ses comptes de carte de cr\u00e9dit inutilis\u00e9s.<\/h3>\n\n\n\n<p>Cela peut sembler illogique, mais le fait de r\u00e9duire le montant des dettes que vous pourriez contracter risque de faire baisser votre cote de solvabilit\u00e9.<\/p>\n\n\n\n<p>En effet, votre cote de solvabilit\u00e9 repose en partie sur votre taux d\u2019<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/cartes\/carte-credit-information-et-questions\/utilisation-de-carte-de-credit-pour-ameliorer-la-cote-de-solvabilite.html\" data-dig-id=\"LP-6808-b98e4e96\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"utilisation du cr\u00e9dit\" class=\"rbc-link-format\">utilisation du cr\u00e9dit<\/a>, c\u2019est-\u00e0-dire sur le montant que vous empruntez r\u00e9ellement.<\/p>\n\n\n\n<p>Supposons que vous ayez deux cartes de cr\u00e9dit, chacune assortie d\u2019une limite d\u2019emprunt de 10&nbsp;000&nbsp;$. Si le solde d\u2019un des deux comptes est de 10&nbsp;000&nbsp;$ et que l\u2019autre est nul, votre taux d\u2019utilisation du cr\u00e9dit est de&nbsp;50&nbsp;% (10&nbsp;000\/20&nbsp;000). Si vous d\u00e9cidez de fermer le compte dont le solde est nul, le taux d\u2019utilisation passera \u00e0&nbsp;100&nbsp;%.<\/p>\n\n\n\n<p>Aux yeux des agences d\u2019\u00e9valuation du cr\u00e9dit, ce taux \u00e9lev\u00e9 pourrait signifier que vous avez de la difficult\u00e9 \u00e0 effectuer les remboursements exig\u00e9s. Gardez donc vos comptes ouverts et utilisez-les de temps en temps pour qu\u2019ils demeurent actifs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mythe-n\u00ba-3-mon-revenu-influe-sur-ma-cote-de-solvabilite\"><strong>Mythe n\u00ba&nbsp;3&nbsp;\u2013&nbsp;Mon revenu influe sur ma cote de solvabilit\u00e9.<\/strong><\/h3>\n\n\n\n<p>Certes, plus on est riche, plus il est facile de s\u2019acquitter de ses dettes. Or, si les pr\u00eateurs tiennent souvent compte de votre revenu pour savoir combien vous pouvez emprunter, votre cote de solvabilit\u00e9 n\u2019est pas \u00e9tablie en fonction de votre salaire.<\/p>\n\n\n\n<p>Que votre revenu soit faible ou \u00e9lev\u00e9, votre cote sera la m\u00eame. Quel que soit le revenu de l\u2019emprunteur, ce qui importe, c\u2019est sa capacit\u00e9 \u00e0 rembourser ses pr\u00eats et \u00e0 g\u00e9rer son cr\u00e9dit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mythe-n\u00ba-4-pour-ameliorer-sa-cote-de-solvabilite-il-faut-reporter-le-paiement-de-ses-soldes-de-carte-de-credit\">Mythe n\u00ba&nbsp;4&nbsp;\u2013&nbsp;Pour am\u00e9liorer sa cote de solvabilit\u00e9, il faut reporter le paiement de ses soldes de carte de cr\u00e9dit.<\/h3>\n\n\n\n<p>En utilisant r\u00e9guli\u00e8rement votre carte de cr\u00e9dit, vous pouvez am\u00e9liorer votre cote de solvabilit\u00e9. Tel n\u2019est pas le cas si vous reportez le paiement de votre solde. L\u00e0 encore, c\u2019est une question de taux d\u2019utilisation du cr\u00e9dit&nbsp;: si vous ne vous acquittez pas de votre dette, les int\u00e9r\u00eats risquent de cro\u00eetre rapidement. Le solde \u00e0 payer grossissant \u00e0 mesure, votre taux d\u2019utilisation ne fera qu\u2019augmenter. Si vous ne parvenez pas \u00e0 payer le solde chaque mois, essayez au moins de le <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/credit-card-information-and-questions\/how-to-use-credit-cards-to-improve-credit-score.html#:~:text=Use%20a%20Credit%20Card%20as,more%20than%20you've%20borrowed.\" data-dig-id=\"LP-6808-ab9a5113\" data-dig-label=\"maintenir \u00e0 au maximum&nbsp;30&nbsp;%\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">maintenir \u00e0 au maximum&nbsp;30&nbsp;%<\/a> (ce lien m\u00e8ne \u00e0 un site web dont le contenu est en anglais seulement) de la limite accord\u00e9e.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mythe-n\u00ba-5-ma-cote-de-solvabilite-est-la-meme-d-une-agence-d-evaluation-a-l-autre\">Mythe n\u00ba&nbsp;5&nbsp;\u2013&nbsp;Ma cote de solvabilit\u00e9 est la m\u00eame d\u2019une agence d\u2019\u00e9valuation \u00e0 l\u2019autre.<\/h3>\n\n\n\n<p>Ce point exige quelques explications.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p><strong>La cote varie d\u2019une agence \u00e0 l\u2019autre<\/strong><\/p>\n\n\n\n<p>Au Canada, il existe deux agences d\u2019\u00e9valuation du cr\u00e9dit&nbsp;: <a href=\"https:\/\/www.equifax.ca\/fr\/personnel\" data-dig-id=\"LP-6808-51549e07\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Equifax\" class=\"rbc-link-format\">Equifax<\/a> et <a href=\"https:\/\/www.transunion.ca\/fr\" data-dig-id=\"LP-6808-431562ea\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"TransUnion\" class=\"rbc-link-format\">TransUnion<\/a>. Votre cote de solvabilit\u00e9 n\u2019est pas forc\u00e9ment la m\u00eame chez l\u2019une et chez l\u2019autre. Leurs mod\u00e8les peuvent en effet diff\u00e9rer, les pr\u00eateurs qui s\u2019adressent \u00e0 elles ne sont pas n\u00e9cessairement les m\u00eames et les cr\u00e9anciers ne les interrogent pas forc\u00e9ment au m\u00eame moment. De plus, deux pr\u00eateurs ne demanderont peut-\u00eatre pas la m\u00eame version de votre cote de solvabilit\u00e9.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p><strong>Il est important de v\u00e9rifier votre cote aupr\u00e8s des deux agences<\/strong><\/p>\n\n\n\n<p>Puisque votre cote peut varier d\u2019une agence \u00e0 l\u2019autre, il est bon de consulter les deux. Non seulement vous aurez ainsi une id\u00e9e pr\u00e9cise de votre capacit\u00e9 d\u2019emprunt, mais si vous \u00eates victime d\u2019une usurpation d\u2019identit\u00e9, vous le saurez tr\u00e8s vite.<\/p>\n\n\n\n<p>Pour bien g\u00e9rer votre situation financi\u00e8re et optimiser les modalit\u00e9s d\u2019emprunt qui pourraient vous \u00eatre offertes, il importe que vous sachiez ce qui se cache derri\u00e8re votre cote de solvabilit\u00e9. Vous vous demandez \u00e0 combien elle s\u2019\u00e9l\u00e8ve actuellement&nbsp;? RBC&nbsp;Banque en direct vous permet de faire une demande de rapport partiel gr\u00e2ce au lien suivant&nbsp;: <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/dms\/olb\/credit-score\/\" data-dig-id=\"LP-6808-cea39b13\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Un moyen facile et pratique de faire le suivi de votre cote de solvabilit\u00e9 aupr\u00e8s de RBC&nbsp;Banque Royale\" class=\"rbc-link-format\">Un moyen facile et pratique de faire le suivi de votre cote de solvabilit\u00e9 aupr\u00e8s de RBC&nbsp;Banque Royale<\/a>. Gardez en t\u00eate qu\u2019une v\u00e9rification p\u00e9riodique peut vous aider \u00e0 prendre de meilleures d\u00e9cisions financi\u00e8res.<\/p>\n<\/li>\n<\/ul>\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-6808-942faa40\" 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-3f2cab26-aeca-409d-8506-ab5f9d26f998\" 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=Les 5 mythes entourant 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\/les-5-mythes-entourant-la-cote-de-solvabilite\/\">\n        <img 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1c46d714-14d2-48cd-ab41-a24ef6d8a263\" 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 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https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-31T120240.836.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\/economie-101\/economie-pour-les-debutants\/\">\n\t\t\t\t\t\t\u00c9conomie pour les d\u00e9butants\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\/economie-pour-les-debutants\/largent-et-son-role-dans-leconomie\/\" class=\"card-title h4 mar-t-0\">L&rsquo;argent et son r\u00f4le dans 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motivation\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\/investisseur-inspire\/idees-et-motivation\/est-il-temps-dinvestir-ou-depargner\/\" class=\"card-title h4 mar-t-0\">Devrais-je \u00e9pargner ou investir ?<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-08-16T142819.308.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" 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d\u00e9butants\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\/economie-pour-les-debutants\/economie-101-incidence-de-loffre-et-de-la-demande-sur-la-vie-quotidienne\/\" class=\"card-title h4 mar-t-0\">Incidence de l\u2019offre et de la demande sur les prix et la vie quotidienne 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-3f2cab26-aeca-409d-8506-ab5f9d26f998 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-3f2cab26-aeca-409d-8506-ab5f9d26f998 {\n\t\t\theight: 100px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-1c46d714-14d2-48cd-ab41-a24ef6d8a263 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-1c46d714-14d2-48cd-ab41-a24ef6d8a263 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Les Canadiens ont souvent des id\u00e9es confuses sur la mani\u00e8re dont est calcul\u00e9e leur cote de solvabilit\u00e9 et sur ce qui la fait cro\u00eetre ou baisser. Attaquons-nous \u00e0 cinq des mythes les plus courants. Votre sant\u00e9 financi\u00e8re ne pourra qu\u2019y gagner\u00a0!<\/p>\n","protected":false},"author":112,"featured_media":9512,"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":[],"rbc_lob_group":[122],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,58,332,46,34,29],"class_list":["post-6808","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_lob_group-entreprises","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-amelioration-de-votre-cote-de-solvabilite","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"],"acf":{"contently_publication_id":"302908","custom_author":"Banque Royale du Canada","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Les cinq mythes courants entourant la cote de solvabilit\u00e9, ou comment am\u00e9liorer sa situation financi\u00e8re\" \/>\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\/les-5-mythes-entourant-la-cote-de-solvabilite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta 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