{"id":4523,"date":"2022-10-03T10:39:53","date_gmt":"2022-10-03T14:39:53","guid":{"rendered":"https:\/\/blog.source.immo\/?p=534"},"modified":"2023-04-11T07:44:14","modified_gmt":"2023-04-11T11:44:14","slug":"rembourser-hypotheque-rapidement","status":"publish","type":"post","link":"https:\/\/audreycyr.com\/en\/stratego\/rembourser-hypotheque-rapidement\/","title":{"rendered":"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0"},"content":{"rendered":"<h1>Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?<\/h1>\n<p>Le pr\u00eat hypoth\u00e9caire est un engagement financier \u00e0 long terme, souvent le plus important d\u2019une vie\u2009! Habituellement, le montant est amorti sur une p\u00e9riode de 25 ans. Ce faisant, les emprunteurs payent beaucoup d\u2019int\u00e9r\u00eats, surtout au cours des premi\u00e8res ann\u00e9es.<\/p>\n<p>Ainsi, plusieurs personnes soucieuses de diminuer le montant pay\u00e9 en int\u00e9r\u00eats veulent rembourser plus rapidement leur hypoth\u00e8que. Certains propri\u00e9taires profitent aussi d\u2019une entr\u00e9e d\u2019argent suppl\u00e9mentaire pour acc\u00e9l\u00e9rer les paiements.<\/p>\n<p>Mais, est-ce toujours avantageux de rembourser votre hypoth\u00e8que plus rapidement que pr\u00e9vu\u2009? Comme plusieurs questions relatives \u00e0 l\u2019immobilier, la r\u00e9ponse d\u00e9pend de votre situation personnelle.<\/p>\n<p>Voici quelques \u00e9l\u00e9ments \u00e0 prendre en consid\u00e9ration avant d\u2019opter pour le remboursement anticip\u00e9 de votre pr\u00eat hypoth\u00e9caire.<\/p>\n<p><strong>Qu\u2019est-ce que le remboursement anticip\u00e9 d\u2019une hypoth\u00e8que\u2009?<\/strong><\/p>\n<p>Lorsqu\u2019un emprunteur rembourse son hypoth\u00e8que plus rapidement que le terme pr\u00e9vu, en totalit\u00e9 ou en partie, on parle de remboursement anticip\u00e9. Habituellement, les institutions financi\u00e8res imposent alors une p\u00e9nalit\u00e9 aux emprunteurs, qui peut co\u00fbter plusieurs milliers de dollars. Il s\u2019agit en fait d\u2019une compensation pour la perte d\u2019int\u00e9r\u00eats.<\/p>\n<p>Les p\u00e9nalit\u00e9s peuvent s\u2019appliquer pour plusieurs sc\u00e9narios, notamment lors de paiements plus \u00e9lev\u00e9s que ceux pr\u00e9vus \u00e0 l\u2019entente et de la r\u00e9siliation du contrat ou de son transfert vers une autre institution financi\u00e8re. Vous payerez \u00e9galement une p\u00e9nalit\u00e9 si vous remboursez en totalit\u00e9 votre solde hypoth\u00e9caire avant la fin du terme, par exemple lors de la vente de votre propri\u00e9t\u00e9.<\/p>\n<p>Par contre, votre contrat pourrait comprendre un privil\u00e8ge pour remboursement anticip\u00e9, c\u2019est-\u00e0-dire la possibilit\u00e9 d\u2019augmenter votre versement p\u00e9riodique ou de faire un paiement additionnel unique d\u2019un montant maximal pr\u00e9d\u00e9termin\u00e9. Ces options vous permettent de r\u00e9duire la dur\u00e9e de votre pr\u00eat hypoth\u00e9caire et d\u2019\u00e9conomiser une partie des int\u00e9r\u00eats, pour autant que vous respectiez les limites fix\u00e9es \u00e0 votre contrat.<\/p>\n<p><strong>Comment rembourser plus rapidement votre hypoth\u00e8que sans p\u00e9nalit\u00e9\u2009?<\/strong><\/p>\n<p>Le meilleur conseil pour rembourser votre hypoth\u00e8que plus vite est d\u2019augmenter la fr\u00e9quence des versements. Passer d\u2019un paiement mensuel \u00e0 un paiement hebdomadaire ou bimensuel \u00e9quivaut \u00e0 faire un versement mensuel suppl\u00e9mentaire chaque ann\u00e9e. Ainsi, votre dette en capital diminuera plus rapidement et vous \u00e9conomiserez consid\u00e9rablement sur les int\u00e9r\u00eats.<\/p>\n<p>En conclusion, le remboursement anticip\u00e9 d\u2019une hypoth\u00e8que peut \u00eatre avantageux, mais ce n\u2019est pas n\u00e9cessairement la meilleure chose \u00e0 faire\u00a0: selon les termes pr\u00e9vus dans votre contrat, cette d\u00e9cision pourrait vous co\u00fbter cher et avoir un impact sur l\u2019ensemble de vos finances.<\/p>\n<p>Discutez-en avec votre courtier hypoth\u00e9caire. Il pourra vous aider \u00e0 faire un choix bien r\u00e9fl\u00e9chi, selon votre situation financi\u00e8re, votre contrat hypoth\u00e9caire actuel et vos projets futurs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rembourser son hypoth\u00e8que plus rapidement, est-ce toujours avantageux\u2009? Lisez ces informations sur le remboursement anticip\u00e9.       <\/p>\n","protected":false},"author":819,"featured_media":5577,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[42,28],"tags":[],"class_list":["post-4523","post","type-post","status-publish","format-standard","hentry","category-hypotheque","category-stratego"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0 - Audrey Cyr - RE\/MAX Qu\u00e9bec<\/title>\n<meta name=\"description\" content=\"Rembourser son hypoth\u00e8que plus rapidement, est-ce toujours avantageux\u2009? Lisez ces informations sur le remboursement anticip\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0 - Audrey Cyr - RE\/MAX Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"Rembourser son hypoth\u00e8que plus rapidement, est-ce toujours avantageux\u2009? Lisez ces informations sur le remboursement anticip\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/\" \/>\n<meta property=\"og:site_name\" content=\"Audrey Cyr - RE\/MAX Qu\u00e9bec\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/audreycyrdianesabourin\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-03T14:39:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-11T11:44:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png\" \/>\n<meta name=\"author\" content=\"19923\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"19923\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/\"},\"author\":{\"name\":\"19923\",\"@id\":\"https:\/\/audreycyr.com\/en\/#\/schema\/person\/65ee75194fae984c7a2dd6eb4cf912dd\"},\"headline\":\"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0\",\"datePublished\":\"2022-10-03T14:39:53+00:00\",\"dateModified\":\"2023-04-11T11:44:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/\"},\"wordCount\":511,\"image\":{\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png\",\"articleSection\":[\"Hypotheque\",\"Stratego\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/\",\"url\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/\",\"name\":\"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0 - Audrey Cyr - RE\/MAX Qu\u00e9bec\",\"isPartOf\":{\"@id\":\"https:\/\/audreycyr.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png\",\"datePublished\":\"2022-10-03T14:39:53+00:00\",\"dateModified\":\"2023-04-11T11:44:14+00:00\",\"author\":{\"@id\":\"https:\/\/audreycyr.com\/en\/#\/schema\/person\/65ee75194fae984c7a2dd6eb4cf912dd\"},\"description\":\"Rembourser son hypoth\u00e8que plus rapidement, est-ce toujours avantageux\u2009? Lisez ces informations sur le remboursement anticip\u00e9.\",\"breadcrumb\":{\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#primaryimage\",\"url\":\"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png\",\"contentUrl\":\"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png\",\"width\":1042,\"height\":692},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/audreycyr.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/audreycyr.com\/en\/#website\",\"url\":\"https:\/\/audreycyr.com\/en\/\",\"name\":\"Audrey Cyr - RE\/MAX Qu\u00e9bec\",\"description\":\"Real Estate Brokers\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/audreycyr.com\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/audreycyr.com\/en\/#\/schema\/person\/65ee75194fae984c7a2dd6eb4cf912dd\",\"name\":\"19923\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/audreycyr.com\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/8d3c56ccd17b3ef0ff9e2ef9d8f2cd8df5da70e2f9c370f2c8c49b1be37fbaf4?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/8d3c56ccd17b3ef0ff9e2ef9d8f2cd8df5da70e2f9c370f2c8c49b1be37fbaf4?s=96&d=mm&r=g\",\"caption\":\"19923\"},\"url\":\"https:\/\/audreycyr.com\/en\/author\/19923\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0 - Audrey Cyr - RE\/MAX Qu\u00e9bec","description":"Rembourser son hypoth\u00e8que plus rapidement, est-ce toujours avantageux\u2009? Lisez ces informations sur le remboursement anticip\u00e9.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/","og_locale":"en_US","og_type":"article","og_title":"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0 - Audrey Cyr - RE\/MAX Qu\u00e9bec","og_description":"Rembourser son hypoth\u00e8que plus rapidement, est-ce toujours avantageux\u2009? Lisez ces informations sur le remboursement anticip\u00e9.","og_url":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/","og_site_name":"Audrey Cyr - RE\/MAX Qu\u00e9bec","article_publisher":"https:\/\/www.facebook.com\/audreycyrdianesabourin\/","article_published_time":"2022-10-03T14:39:53+00:00","article_modified_time":"2023-04-11T11:44:14+00:00","og_image":[{"url":"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png","type":"","width":"","height":""}],"author":"19923","twitter_card":"summary_large_image","twitter_image":"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png","twitter_misc":{"Written by":"19923","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#article","isPartOf":{"@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/"},"author":{"name":"19923","@id":"https:\/\/audreycyr.com\/en\/#\/schema\/person\/65ee75194fae984c7a2dd6eb4cf912dd"},"headline":"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0","datePublished":"2022-10-03T14:39:53+00:00","dateModified":"2023-04-11T11:44:14+00:00","mainEntityOfPage":{"@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/"},"wordCount":511,"image":{"@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png","articleSection":["Hypotheque","Stratego"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/","url":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/","name":"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0 - Audrey Cyr - RE\/MAX Qu\u00e9bec","isPartOf":{"@id":"https:\/\/audreycyr.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#primaryimage"},"image":{"@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png","datePublished":"2022-10-03T14:39:53+00:00","dateModified":"2023-04-11T11:44:14+00:00","author":{"@id":"https:\/\/audreycyr.com\/en\/#\/schema\/person\/65ee75194fae984c7a2dd6eb4cf912dd"},"description":"Rembourser son hypoth\u00e8que plus rapidement, est-ce toujours avantageux\u2009? Lisez ces informations sur le remboursement anticip\u00e9.","breadcrumb":{"@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#primaryimage","url":"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png","contentUrl":"https:\/\/blog.source.immo\/wp-content\/uploads\/2022\/10\/remboursersonhypothequerapidement-1.png","width":1042,"height":692},{"@type":"BreadcrumbList","@id":"https:\/\/audreycyr.com\/stratego\/rembourser-hypotheque-rapidement\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/audreycyr.com\/en\/"},{"@type":"ListItem","position":2,"name":"Est-ce avantageux de rembourser son hypoth\u00e8que rapidement\u2009?\u00a0"}]},{"@type":"WebSite","@id":"https:\/\/audreycyr.com\/en\/#website","url":"https:\/\/audreycyr.com\/en\/","name":"Audrey Cyr - RE\/MAX Qu\u00e9bec","description":"Real Estate Brokers","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/audreycyr.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/audreycyr.com\/en\/#\/schema\/person\/65ee75194fae984c7a2dd6eb4cf912dd","name":"19923","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/audreycyr.com\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/8d3c56ccd17b3ef0ff9e2ef9d8f2cd8df5da70e2f9c370f2c8c49b1be37fbaf4?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8d3c56ccd17b3ef0ff9e2ef9d8f2cd8df5da70e2f9c370f2c8c49b1be37fbaf4?s=96&d=mm&r=g","caption":"19923"},"url":"https:\/\/audreycyr.com\/en\/author\/19923\/"}]}},"_links":{"self":[{"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/posts\/4523","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/users\/819"}],"replies":[{"embeddable":true,"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/comments?post=4523"}],"version-history":[{"count":1,"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/posts\/4523\/revisions"}],"predecessor-version":[{"id":4562,"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/posts\/4523\/revisions\/4562"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/media\/5577"}],"wp:attachment":[{"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/media?parent=4523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/categories?post=4523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/audreycyr.com\/en\/wp-json\/wp\/v2\/tags?post=4523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}