{"id":6915,"date":"2022-10-11T00:00:00","date_gmt":"2022-10-11T00:00:00","guid":{"rendered":""},"modified":"2024-02-27T16:03:34","modified_gmt":"2024-02-27T16:03:34","slug":"comprendre-lincidence-des-fluctuations-des-taux-dinteret-sur-votre-pret-hypothecaire-a-taux-variable","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/comprendre-lincidence-des-fluctuations-des-taux-dinteret-sur-votre-pret-hypothecaire-a-taux-variable\/","title":{"rendered":"Comprendre l&rsquo;incidence des fluctuations des taux d&rsquo;int\u00e9r\u00eat sur votre pr\u00eat hypoth\u00e9caire \u00e0 taux variable"},"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\/inflation\/\">\n\t\t\t\t\t\t\t<span>Inflation<\/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\">Comprendre l&rsquo;incidence des fluctuations des taux d&rsquo;int\u00e9r\u00eat sur votre pr\u00eat hypoth\u00e9caire \u00e0 taux variable<\/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\/TD-2022-09-08T111804.663.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une petite maison en papier pos\u00e9e sur une table de salon\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-09-08T111804.663.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-09-08T111804.663.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-09-08T111804.663.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=Comprendre l&rsquo;incidence des fluctuations des taux d&rsquo;int\u00e9r\u00eat sur votre pr\u00eat hypoth\u00e9caire \u00e0 taux variable &#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\/comprendre-les-prets\/comprendre-lincidence-des-fluctuations-des-taux-dinteret-sur-votre-pret-hypothecaire-a-taux-variable\/\">\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\/comprendre-les-prets\/comprendre-lincidence-des-fluctuations-des-taux-dinteret-sur-votre-pret-hypothecaire-a-taux-variable\/\">\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 11 octobre 2022 \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<h2 class=\"wp-block-heading\">Est-ce que la hausse des taux d&rsquo;int\u00e9r\u00eat aura une incidence sur mon hypoth\u00e8que \u00e0 taux variable ?<\/h2>\n\n\n\n<p>Depuis mars 2022, la Banque du Canada a relev\u00e9 les taux d&rsquo;int\u00e9r\u00eat pour freiner l&rsquo;inflation, calmer la demande de biens et de services et, par la m\u00eame occasion, rendre la vie quotidienne plus abordable pour les Canadiens. Pour les propri\u00e9taires titulaires d&rsquo;un pr\u00eat hypoth\u00e9caire \u00e0 taux variable, cela cr\u00e9e, \u00e0 juste titre, des incertitudes quant \u00e0 l&rsquo;incidence \u00e0 court et \u00e0 long terme de la hausse des taux sur leur pr\u00eat hypoth\u00e9caire et leurs finances.<\/p>\n\n\n\n<p>En vous familiarisant avec les principes de base qui sous-tendent les pr\u00eats hypoth\u00e9caires \u00e0 taux variable, de m\u00eame que l&rsquo;incidence des fluctuations de taux d&rsquo;int\u00e9r\u00eat sur votre pr\u00eat hypoth\u00e9caire, vous serez mieux en mesure de prendre des d\u00e9cisions financi\u00e8res \u00e9clair\u00e9es pour vous et votre famille.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment fonctionnent les pr\u00eats hypoth\u00e9caires \u00e0 taux variable ?<b><\/b><\/h2>\n\n\n\n<p>Les versements sur pr\u00eat hypoth\u00e9caire \u00e0 taux variable standard ne changent pas m\u00eame si les taux d&rsquo;int\u00e9r\u00eat fluctuent. Lorsque les taux baissent, une plus grande part du versement est attribu\u00e9e au remboursement du capital et moins \u00e0 celui des int\u00e9r\u00eats, ce qui permet au titulaire du pr\u00eat hypoth\u00e9caire de le rembourser plus rapidement. Lorsque les taux montent, c&rsquo;est le contraire : une moindre part du versement sert \u00e0 r\u00e9duire le capital et une plus grande part va au remboursement des int\u00e9r\u00eats, prolongeant ainsi l&rsquo;amortissement n\u00e9cessaire pour rembourser le pr\u00eat hypoth\u00e9caire.<\/p>\n\n\n\n<p>Au renouvellement du pr\u00eat hypoth\u00e9caire \u00e0 taux variable standard, la p\u00e9riode d&rsquo;amortissement sera ramen\u00e9e \u00e0 son \u00e9tat initial, entra\u00eenant ainsi des versements plus importants pour compenser le capital qui n&rsquo;a pas \u00e9t\u00e9 rembours\u00e9 en raison de la hausse des taux d&rsquo;int\u00e9r\u00eat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vos options hypoth\u00e9caires<b><\/b><\/h2>\n\n\n\n<p>Si les r\u00e9percussions de la hausse des taux sur vos versements hypoth\u00e9caires et la p\u00e9riode d&rsquo;amortissement vous pr\u00e9occupent, voici quelques astuces qui vous permettront de compenser les effets de ce contexte de taux \u00e0 la hausse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Augmenter le montant des versements hypoth\u00e9caires p\u00e9riodiques<b><\/b><\/h3>\n\n\n\n<p>En augmentant le montant de vos versements p\u00e9riodiques, vous pouvez r\u00e9duire votre solde hypoth\u00e9caire, et ainsi att\u00e9nuer les r\u00e9percussions de la hausse des taux d&rsquo;int\u00e9r\u00eat. Exemple : avec un pr\u00eat hypoth\u00e9caire \u00e0 taux variable RBC, vous pouvez augmenter vos versements p\u00e9riodiques de 10 %. Vous pouvez aussi faire un \u00ab double versement \u00bb, allant de 100 $ jusqu&rsquo;au double du versement p\u00e9riodique.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Effectuer un versement forfaitaire annuel<b><\/b><\/h3>\n\n\n\n<p>Si vous disposez de fonds suffisants, vous pouvez faire un versement forfaitaire annuel. C&rsquo;est une excellente fa\u00e7on d&rsquo;\u00e9conomiser sur les frais d&rsquo;int\u00e9r\u00eat et de r\u00e9duire l&rsquo;amortissement de votre hypoth\u00e8que. Assurez-vous de v\u00e9rifier aupr\u00e8s de votre pr\u00eateur que votre versement forfaitaire sera appliqu\u00e9 au solde hypoth\u00e9caire et non aux int\u00e9r\u00eats.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Passer \u00e0 un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe<b><\/b><\/h3>\n\n\n\n<p>Cette solution pourrait convenir aux propri\u00e9taires qui se sentent plus \u00e0 l&rsquo;aise avec un taux fixe garanti, car elle les prot\u00e8ge de toute modification future des taux pendant la dur\u00e9e de leur pr\u00eat et leur permet de conserver leur p\u00e9riode d&rsquo;amortissement initiale.<\/p>\n\n\n\n<p>La plupart des pr\u00eateurs permettent \u00e0 leurs clients titulaires d&rsquo;un pr\u00eat hypoth\u00e9caire de passer d&rsquo;une hypoth\u00e8que \u00e0 taux variable \u00e0 une hypoth\u00e8que \u00e0 taux fixe d&rsquo;un terme \u00e9quivalent ou sup\u00e9rieur au terme restant. Par exemple, si le terme restant pour votre pr\u00eat hypoth\u00e9caire \u00e0 taux variable est de deux ans et quatre mois, vous pouvez passer \u00e0 un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe assorti d&rsquo;un terme de trois ans ou plus.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Conclusion<b><\/b><\/h4>\n\n\n\n<p>M\u00eame s&rsquo;il est tout \u00e0 fait compr\u00e9hensible que les propri\u00e9taires titulaires d&rsquo;un pr\u00eat hypoth\u00e9caire \u00e0 taux variable puissent s&rsquo;inqui\u00e9ter des r\u00e9percussions d&rsquo;une hausse des taux d&rsquo;int\u00e9r\u00eat sur leurs finances, ils ne doivent pas oublier qu&rsquo;un certain nombre d&rsquo;options s&rsquo;offrent \u00e0 eux. Un <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/hypotheques\/localisateur\/\">conseiller en pr\u00eats hypoth\u00e9caires<\/a> peut vous fournir des conseils et des solutions qui vous aideront \u00e0 g\u00e9rer votre pr\u00eat hypoth\u00e9caire, \u00e0 prendre des d\u00e9cisions \u00e0 court terme et \u00e0 faire des plans \u00e0 long terme qui vous procureront confiance et stabilit\u00e9.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Comprendre l&rsquo;incidence des fluctuations des taux d&rsquo;int\u00e9r\u00eat sur votre pr\u00eat hypoth\u00e9caire \u00e0 taux variable &#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\/comprendre-les-prets\/comprendre-lincidence-des-fluctuations-des-taux-dinteret-sur-votre-pret-hypothecaire-a-taux-variable\/\">\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\/comprendre-les-prets\/comprendre-lincidence-des-fluctuations-des-taux-dinteret-sur-votre-pret-hypothecaire-a-taux-variable\/\">\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-bd8b529f-b1b4-423b-8e3d-c424f0b9c886\" 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\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/inflation\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Inflation<\/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=\"658\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Jeune femme assise sur un canap\u00e9 avec une carte de cr\u00e9dit dans une main et un smartphone dans l\u2019autre, examinant une option de paiement Acheter maintenant, payez plus tard pour un achat en ligne.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg 6228w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=300,193 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=768,494 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=1024,658 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=1536,987 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=2048,1316 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/\">\n\t\t\t\t\t\tComprendre les pr\u00eats\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/votre-guide-des-services-acheter-maintenant-payer-plus-tard-comment-fonctionnent-ils-quand-les-utiliser-et-quand-sabstenir\/\" class=\"card-title h4 mar-t-0\">Votre guide des services \u00ab Acheter maintenant, payer plus tard \u00bb : comment fonctionnent-ils, quand les utiliser et quand s\u2019abstenir?<\/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\/shutterstock_1562611987.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Une m\u00e8re souriante enlace sa fille qui rit dans une cuisine chaleureuse, tandis qu\u2019une autre personne pr\u00e9pare de la nourriture \u00e0 l\u2019arri\u00e8re-plan.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_1562611987.jpg 5472w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_1562611987.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_1562611987.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_1562611987.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_1562611987.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_1562611987.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/\">\n\t\t\t\t\t\tComprendre les pr\u00eats\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/une-marge-de-credit-un-atout-dans-la-gestion-de-ses-finances-au-canada\/\" class=\"card-title h4 mar-t-0\">Une marge de cr\u00e9dit, un atout dans la gestion de ses finances 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\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\/shutterstock_183775940.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un couple heureux est assis sur un canap\u00e9 blanc, jouant avec leur chien allong\u00e9 sur le dos.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_183775940.jpg 5760w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_183775940.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_183775940.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_183775940.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_183775940.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/07\/shutterstock_183775940.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/\">\n\t\t\t\t\t\tComprendre les pr\u00eats\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/utilisation-intelligente-dune-marge-de-credit-pour-eviter-les-pieges\/\" class=\"card-title h4 mar-t-0\">Utilisation intelligente d\u2019une marge de cr\u00e9dit pour \u00e9viter les pi\u00e8ges<\/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-bd8b529f-b1b4-423b-8e3d-c424f0b9c886 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-bd8b529f-b1b4-423b-8e3d-c424f0b9c886 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Vous avez une hypoth\u00e8que \u00e0 taux variable ? Apprenez \u00e0 conna\u00eetre vos options dans un contexte de hausse des taux d\u2019int\u00e9r\u00eat.<\/p>\n","protected":false},"author":112,"featured_media":10405,"parent":6559,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[133,134,212],"rbc_content_type":[121],"rbc_audience":[150],"rbc_lob_group":[135],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,95,102,46,34,49,29,57],"class_list":["post-6915","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-accession-a-la-propriete","tag-immobilier","tag-inflation","rbc_content_type-article","rbc_audience-aines","rbc_lob_group-pret-hypothecaire","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-comprendre-les-prets","rbc_mmm_category-comprendre-les-taux-dinteret","rbc_mmm_category-credit-t-et-emprunt","rbc_mmm_category-difficulte-a-joindre-les-deux-bouts","rbc_mmm_category-economie-101","rbc_mmm_category-endettement-et-reduction-du-stress","rbc_mmm_category-gestion-des-depenses"],"acf":{"contently_publication_id":"337017","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=\"Vous avez une hypoth\u00e8que \u00e0 taux variable ? 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