{"id":6851,"date":"2022-03-10T00:00:00","date_gmt":"2022-03-10T00:00:00","guid":{"rendered":""},"modified":"2024-02-26T13:21:18","modified_gmt":"2024-02-26T13:21:18","slug":"vous-voulez-une-maison-et-non-une-hypotheque-voici-trois-conseils-pour-en-accelerer-le-remboursement","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/vous-voulez-une-maison-et-non-une-hypotheque-voici-trois-conseils-pour-en-accelerer-le-remboursement\/","title":{"rendered":"Vous voulez une maison, et non une hypoth\u00e8que. Voici trois conseils pour en acc\u00e9l\u00e9rer le remboursement."},"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\">Vous voulez une maison, et non une hypoth\u00e8que. Voici trois conseils pour en acc\u00e9l\u00e9rer le remboursement.<\/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=\"1024\" height=\"878\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TF-13.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Un couple noir souriant assis sur un canap\u00e9 blanc, examinant les options de paiement hypoth\u00e9caire sur une tablette\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TF-13.jpg 1190w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TF-13.jpg?resize=300,257 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TF-13.jpg?resize=768,658 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TF-13.jpg?resize=1024,878 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\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=Vous voulez une maison, et non une hypoth\u00e8que. Voici trois conseils pour en acc\u00e9l\u00e9rer le remboursement. &#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\/economie-101\/comprendre-les-taux-dinteret\/vous-voulez-une-maison-et-non-une-hypotheque-voici-trois-conseils-pour-en-accelerer-le-remboursement\/\">\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\/economie-101\/comprendre-les-taux-dinteret\/vous-voulez-une-maison-et-non-une-hypotheque-voici-trois-conseils-pour-en-accelerer-le-remboursement\/\">\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 mars 2022 \u2022 3 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>Que vous cherchiez \u00e0 accro\u00eetre la valeur nette de votre maison, \u00e0 \u00e9conomiser de l&rsquo;argent pendant la dur\u00e9e de votre hypoth\u00e8que ou \u00e0 rembourser celle-ci plus rapidement, il existe quelques fa\u00e7ons d&rsquo;effectuer un remboursement anticip\u00e9 sur votre capital. Vous d\u00e9tenez une hypoth\u00e8que RBC ? Trois options s&rsquo;offrent \u00e0 vous.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Double versement.<\/h2>\n\n\n\n<p>Cette option vous permet de faire un remboursement anticip\u00e9 allant de 100 $ au montant de votre versement hypoth\u00e9caire mensuel habituel (capital et int\u00e9r\u00eats) \u00e0 n&rsquo;importe quelle date de paiement.Voici un exemple des r\u00e9sultats obtenus en optant pour un double versement par mois.<\/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><strong>Hypoth\u00e8que \u00e0 taux fixe de 350 000 $, \u00e0 2,5 %<\/strong><\/p>\n<\/li>\n<\/ul>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\"><thead><tr><th scope=\"col\">Informations hypoth\u00e9caires<\/th><th scope=\"col\">Versements mensuels et<br>amortissement de 25 ans<\/th><th scope=\"col\">Avec un double <br>versement de 100 $ par mois<\/th><\/tr><\/thead><tbody><tr><td>Remboursement de l&rsquo;hypoth\u00e8que (ann\u00e9es)<\/td><td>25<\/td><td>23<\/td><\/tr><tr><td>Versement mensuel<\/td><td>1 567,80 $<\/td><td>1 567,80 $<\/td><\/tr><tr><td>Total des int\u00e9r\u00eats vers\u00e9s<\/td><td>120 363 $<\/td><td>109 815 $<\/td><\/tr><tr><td>\u00c9conomie d&rsquo;int\u00e9r\u00eats<\/td><td>S. O.<\/td><td>10 548 $<\/td><\/tr><\/tbody><\/table>\n\n\n\n<p class=\"mar-t-hlf\"><b><\/b>Comme ces 100 $ suppl\u00e9mentaires sont int\u00e9gralement affect\u00e9s au remboursement du capital de votre hypoth\u00e8que, vous \u00e9conomisez 10 548 $ en int\u00e9r\u00eats et remboursez votre hypoth\u00e8que deux ans avant l&rsquo;\u00e9ch\u00e9ance pr\u00e9vue. Imaginez les r\u00e9sultats si vous augmentiez un peu ce montant ?<b><\/b><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Remboursement anticip\u00e9 du capital.<\/h2>\n\n\n\n<p>Si vous avez une hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance fixe, vous pouvez rembourser par anticipation jusqu&rsquo;\u00e0 10 % du capital initial de votre pr\u00eat hypoth\u00e9caire une fois tous les 12 mois. Dans le cas d&rsquo;une hypoth\u00e8que \u00e0 \u00e9ch\u00e9ance libre, vous pouvez faire un versement anticip\u00e9 de capital de 500 $ aussi souvent que vous le d\u00e9sirez. Un remboursement anticip\u00e9 de capital peut aussi \u00eatre effectu\u00e9 au moment du renouvellement, et ce, sans limite quant au montant.Voici un exemple des r\u00e9sultats obtenus en optant pour un remboursement anticip\u00e9 de 10 % :<\/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><strong>Hypoth\u00e8que \u00e0 taux fixe de 350 000 $, \u00e0 2,5 %<\/strong><\/p>\n<\/li>\n<\/ul>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\"><thead><tr><th scope=\"col\">Informations hypoth\u00e9caires<\/th><th scope=\"col\">Versements mensuels et amortissement de 25 ans<\/th><th scope=\"col\">R\u00e9sultat d&rsquo;un versement sur capital de 35 000 $<\/th><\/tr><\/thead><tbody><tr><td>Remboursement de l&rsquo;hypoth\u00e8que (ann\u00e9es)<\/td><td>25<\/td><td>21 ans et 9 mois<\/td><\/tr><tr><td>Versement mensuel<\/td><td>1 567,80 $<\/td><td>1 567,80 $<\/td><\/tr><tr><td>Total des int\u00e9r\u00eats vers\u00e9s<\/td><td>120 363 $<\/td><td>92 940 $<\/td><\/tr><tr><td>\u00c9conomie d&rsquo;int\u00e9r\u00eats<\/td><td>S. O.<\/td><td>27 423 $<\/td><\/tr><\/tbody><\/table>\n\n\n\n<h2 class=\"wp-block-heading\">Augmentation du montant du versement.<\/h2>\n\n\n\n<p>Une fois tous les 12 mois, vous pouvez augmenter vos versements hypoth\u00e9caires, d&rsquo;un maximum de 10 %, sans frais. Cette augmentation est enti\u00e8rement consacr\u00e9e au remboursement du capital. Voici un exemple des r\u00e9sultats obtenus en optant pour une augmentation de 10 % du montant du versement, \u00e0 la fin de la premi\u00e8re ann\u00e9e :<\/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><strong>Hypoth\u00e8que \u00e0 taux fixe de 350 000 $, \u00e0 2,5 %<\/strong><\/p>\n<\/li>\n<\/ul>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\"><thead><tr><th scope=\"col\">Informations hypoth\u00e9caires<\/th><th scope=\"col\">Versements mensuels et amortissement de 25 ans<\/th><th scope=\"col\">R\u00e9sultat d&rsquo;une augmentation de 10 % du montant du <br>versement, \u00e0 la fin de la premi\u00e8re ann\u00e9e<\/th><\/tr><\/thead><tbody><tr><td>Remboursement de l&rsquo;hypoth\u00e8que (ann\u00e9es)<\/td><td>25<\/td><td>22 ans et 2 mois<\/td><\/tr><tr><td>Versement mensuel (premi\u00e8re ann\u00e9e)<\/td><td>1 567,80 $<\/td><td>1 567,80 $<\/td><\/tr><tr><td>Versement mensuel (de la deuxi\u00e8me ann\u00e9e jusqu&rsquo;au remboursement int\u00e9gral de l&rsquo;hypoth\u00e8que)<\/td><td>1 567,80 $<\/td><td>1 724,68 $<\/td><\/tr><tr><td>Total des int\u00e9r\u00eats vers\u00e9s<\/td><td>120 363 $<\/td><td>105 955 $<\/td><\/tr><tr><td>\u00c9conomie d&rsquo;int\u00e9r\u00eats<\/td><td>S. O.<\/td><td>14 408 $<\/td><\/tr><\/tbody><\/table>\n\n\n\n<div class=\"wp-block-columns mar-t-hlf has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-vous-etes-pret-a-rembourser-votre-hypotheque-plus-rapidement\">Vous \u00eates pr\u00eat \u00e0 rembourser votre hypoth\u00e8que plus rapidement ?<\/h3>\n\n\n\n<p>Un&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/hypotheques\/localisateur\/\" target=\"_blank\" rel=\"noreferrer noopener\">conseiller en pr\u00eats hypoth\u00e9caires RBC<\/a>&nbsp;peut r\u00e9pondre \u00e0 vos questions, vous aider \u00e0 g\u00e9rer votre hypoth\u00e8que, et recommander des options hypoth\u00e9caires qui vous aideront \u00e0 atteindre vos objectifs.<\/p>\n<\/div>\n<\/div>\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=Vous voulez une maison, et non une hypoth\u00e8que. Voici trois conseils pour en acc\u00e9l\u00e9rer le remboursement. &#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\/economie-101\/comprendre-les-taux-dinteret\/vous-voulez-une-maison-et-non-une-hypotheque-voici-trois-conseils-pour-en-accelerer-le-remboursement\/\">\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\" 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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-71564890-36b5-43a1-8d77-ab28a0e14e8d {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-71564890-36b5-43a1-8d77-ab28a0e14e8d {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Vous voulez une maison, et non une hypoth\u00e8que. Voici trois conseils pour en acc\u00e9l\u00e9rer le remboursement.<\/p>\n","protected":false},"author":119,"featured_media":9844,"parent":6566,"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":[135],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,37,102,49,30,67],"class_list":["post-6851","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-pret-hypothecaire","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-achat-dune-maison","rbc_mmm_category-comprendre-les-taux-dinteret","rbc_mmm_category-economie-101","rbc_mmm_category-objectifs-et-aspirations","rbc_mmm_category-refinancement-et-achat-dune-plus-petite-maison"],"acf":{"contently_publication_id":"318040","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":"<!-- 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=\"Vous voulez une maison, et non une hypoth\u00e8que. 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