{"id":7045,"date":"2023-07-21T00:00:00","date_gmt":"2023-07-21T00:00:00","guid":{"rendered":""},"modified":"2024-02-23T17:32:49","modified_gmt":"2024-02-23T17:32:49","slug":"emprunter-les-notions-de-base","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\/emprunter-les-notions-de-base\/","title":{"rendered":"Emprunter : les notions de base"},"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\/credit-et-dette\/\">\n\t\t\t\t\t\t\t<span>cr\u00e9dit et dette<\/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\">Emprunter : les notions de base<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Amanda Reaume<\/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\/Untitled-design-2023-07-13T153010.553.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Un homme utilisant une calculatrice et des signes de pourcentage indiquant des taux d&#039;int\u00e9r\u00eat qui montent\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-13T153010.553.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-13T153010.553.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-13T153010.553.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=Emprunter : les notions de base &#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\/emprunter-les-notions-de-base\/\">\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\/emprunter-les-notions-de-base\/\">\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 21 juillet 2023 \u2022 4 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Que vous envisagiez d&rsquo;acheter votre premi\u00e8re maison ou une nouvelle voiture ou encore de financer vos \u00e9tudes, emprunter de l&rsquo;argent pour atteindre vos objectifs peut \u00eatre une strat\u00e9gie efficace. Au d\u00e9part, cela peut sembler intimidant, mais si vous prenez le temps de comprendre les rudiments de l&#8217;emprunt et le processus connexe, vous serez en mesure de prendre des d\u00e9cisions financi\u00e8res \u00e9clair\u00e9es tout au long de votre vie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-il-y-a-plusieurs-choses-a-savoir-et-a-prendre-en-consideration\">Il y a plusieurs choses \u00e0 savoir et \u00e0 prendre en consid\u00e9ration :<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Le capital<b><\/b><\/h3>\n\n\n\n<p>Le capital correspond au montant du pr\u00eat, c&rsquo;est-\u00e0-dire la somme d&rsquo;argent que la banque vous pr\u00eate. On parle souvent du <b>montant en capital d&rsquo;un pr\u00eat<\/b>. Lorsque vous empruntez de l&rsquo;argent \u00e0 la banque, vous remboursez le capital plus les charges d&rsquo;int\u00e9r\u00eat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les taux d&rsquo;int\u00e9r\u00eat<b><\/b><\/h3>\n\n\n\n<p>Le deuxi\u00e8me \u00e9l\u00e9ment fondamental \u00e0 comprendre, ce sont les taux d&rsquo;int\u00e9r\u00eat. Quand vous empruntez, le pr\u00eateur vous facture des int\u00e9r\u00eats. Il s&rsquo;agit du co\u00fbt d&#8217;emprunt. Les taux d&rsquo;int\u00e9r\u00eat peuvent \u00eatre fixes ou variables.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Un&nbsp;<strong>taux d\u2019int\u00e9r\u00eat fixe&nbsp;<\/strong>est d\u00e9termin\u00e9 au moment de la souscription du pr\u00eat et reste le m\u00eame tout au long de la p\u00e9riode de remboursement. Comme les versements sont \u00e9tablis \u00e0 l\u2019avance, vous savez exactement combien vous aurez \u00e0 payer.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Un&nbsp;<strong>taux d\u2019int\u00e9r\u00eat variable&nbsp;<\/strong>peut fluctuer d\u2019un mois ou d\u2019un trimestre \u00e0 l\u2019autre en fonction du taux directeur de la Banque du Canada. Si les taux du march\u00e9 baissent, la fraction de votre versement affect\u00e9e au remboursement du capital augmente. En revanche, s\u2019ils montent, la fraction de votre versement affect\u00e9e au paiement des int\u00e9r\u00eats est plus \u00e9lev\u00e9e.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Le terme du pr\u00eat<b><\/b><\/h3>\n\n\n\n<p>Le terme du pr\u00eat (ou la <b>p\u00e9riode d&rsquo;amortissement<\/b>) s&rsquo;entend de la dur\u00e9e pendant laquelle vous devez rembourser l&rsquo;argent emprunt\u00e9. Le terme peut aller de quelques mois \u00e0 plusieurs ann\u00e9es, selon le type de pr\u00eat que vous contractez. S&rsquo;il est plus court, vos versements mensuels seront probablement sup\u00e9rieurs, mais vous paierez moins d&rsquo;int\u00e9r\u00eats au fil du temps. \u00c0 l&rsquo;inverse, s&rsquo;il est plus long, vos versements mensuels pourraient \u00eatre inf\u00e9rieurs, mais vos charges d&rsquo;int\u00e9r\u00eat seront plus \u00e9lev\u00e9es sur la dur\u00e9e du pr\u00eat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les types de pr\u00eats<b><\/b><\/h3>\n\n\n\n<p>Avant d&#8217;emprunter de l&rsquo;argent, il importe de comprendre la diff\u00e9rence entre les pr\u00eats garantis et non garantis.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Les retraits du RAP doivent \u00eatre rembours\u00e9s dans votre REER. Les retraits du CELIAPP n\u2019ont pas \u00e0 \u00eatre rembours\u00e9s.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>La limite cumulative de cotisation au CELIAPP (40 000 $) est sup\u00e9rieure \u00e0 la limite maximale de retrait du RAP (35 000 $).<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Apr\u00e8s que vous les aurez rembours\u00e9s dans votre REER, les retraits du RAP seront impos\u00e9s. Les retraits admissibles au titre du CELIAPP ne sont pas imposables.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Parmi les pr\u00eats les plus courants, citons les pr\u00eats hypoth\u00e9caires, les pr\u00eats aux particuliers, les pr\u00eats-auto, les pr\u00eats d&rsquo;\u00e9tudes, les pr\u00eats de consolidation, les marges de cr\u00e9dit et les cartes de cr\u00e9dit. Le fait de comprendre les caract\u00e9ristiques et les modalit\u00e9s de chacun d&rsquo;eux vous aidera \u00e0 choisir celui qui convient \u00e0 vos besoins.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La cote de solvabilit\u00e9<b><\/b><\/h3>\n\n\n\n<p>En r\u00e8gle g\u00e9n\u00e9rale, le pr\u00eateur effectue une enqu\u00eate de solvabilit\u00e9 afin d&rsquo;\u00e9valuer le risque li\u00e9 \u00e0 l&#8217;emprunteur. La cote de solvabilit\u00e9 est l&rsquo;un des outils qu&rsquo;un pr\u00eateur peut utiliser pour d\u00e9terminer le niveau de risque qu&rsquo;il prend en vous pr\u00eatant de l&rsquo;argent. Une cote de solvabilit\u00e9 \u00e9lev\u00e9e peut indiquer que vous \u00eates un bon emprunteur potentiel. Une cote de solvabilit\u00e9 basse peut quant \u00e0 elle d\u00e9noter un risque accru. Dans ce cas, le pr\u00eateur peut relever le taux d&rsquo;int\u00e9r\u00eat propos\u00e9. En maintenant une bonne cote de solvabilit\u00e9 gr\u00e2ce \u00e0 une gestion responsable de votre cr\u00e9dit, vous augmentez vos chances d&rsquo;obtenir un pr\u00eat.<\/p>\n\n\n\n<p>Bien qu&rsquo;il soit judicieux d&rsquo;\u00e9pargner pour atteindre ses objectifs financiers, il n&rsquo;est pas toujours possible de pr\u00e9dire le moment o\u00f9 l&rsquo;on a besoin d&rsquo;argent. L&#8217;emprunt peut vous apporter une solution imm\u00e9diate, en vous permettant d&rsquo;effectuer des versements p\u00e9riodiques pour rembourser au fil du temps. Lorsqu&rsquo;il est g\u00e9r\u00e9 de mani\u00e8re responsable, l&#8217;emprunt peut constituer un outil efficace pour vous aider \u00e0 r\u00e9aliser vos objectifs.<\/p>\n\n\n\n<div class=\"wp-block-columns 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<p>Si vous avez des questions, veuillez communiquer avec un conseiller RBC rattach\u00e9 \u00e0 l\u2019une de\u00a0<a href=\"https:\/\/maps.rbcroyalbank.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">nos succursales<\/a>.<\/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=Emprunter : les notions de base &#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\/emprunter-les-notions-de-base\/\">\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\/emprunter-les-notions-de-base\/\">\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-dc6baa17-d1a2-4fab-82f5-35bd3c57ed39\" 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\/credit-et-dette\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">cr\u00e9dit et dette<\/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=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Femme tapant sur un ordinateur lors de la r\u00e9vision d\u2019un \u00e9tat financier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\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\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\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\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/conseils-fiscaux-moyens-pour-le-contribuable-de-proteger-ses-donnees\/\" class=\"card-title h4 mar-t-0\">Conseils fiscaux : moyens pour le contribuable de prot\u00e9ger ses donn\u00e9es<\/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=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Trois coll\u00e8gues regardant un ordinateur.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" 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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=\"768\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Livret de poche sur une table.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg 1080w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=300,225 300w, 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