{"id":3137,"date":"2019-08-09T21:35:05","date_gmt":"2019-08-09T21:35:05","guid":{"rendered":"https:\/\/realtyincanada.com\/new-post\/"},"modified":"2019-09-17T22:11:09","modified_gmt":"2019-09-18T02:11:09","slug":"new-post","status":"publish","type":"post","link":"https:\/\/realtyincanada.com\/fr\/new-post\/","title":{"rendered":"Acheteur d’une premi\u00e8re maison 2019"},"content":{"rendered":"\n

L\u2019Incitatif \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 vient en aide aux acheteurs d\u2019une premi\u00e8re habitation admissibles. Il r\u00e9duit leurs mensualit\u00e9s hypoth\u00e9caires, sans accro\u00eetre leur fardeau financier.\u202f <\/p>\n\n\n\n

The First-Time Home Buyer Incentive launches September 2, 2019*.\u202f<\/strong><\/h4>\n\n\n\n

L\u2019Incitatif \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 sera lanc\u00e9 le 2\u202fseptembre\u202f2019.*<\/p>\n\n\n\n

Au Sujet De l\u2019Incitatif \u00e0 l\u2019achat d\u2019une Premi\u00e8re Propri\u00e9t\u00e9 <\/strong><\/h4>\n\n\n\n

Quelques crit\u00e8res \u00e0 respecter pour demander cet Incitatif :<\/p>\n\n\n\n

  • vous devez disposer de la mise de fonds minimale requise;<\/li>
  • votre revenu admissible ne d\u00e9passe pas 120 000 $;<\/li>
  • votre emprunt total est limit\u00e9 \u00e0 4\u202ffois le revenu admissible.\u202f\u202f<\/li><\/ul>\n\n\n\n

    Si vous respectez ces crit\u00e8res, vous pouvez demander au gouvernement du Canada un pr\u00eat hypoth\u00e9caire avec participation de 5 % ou de 10 %. Aux termes d\u2019un pr\u00eat hypoth\u00e9caire avec participation, le gouvernement participe \u00e0 l\u2019appr\u00e9ciation et \u00e0 la d\u00e9pr\u00e9ciation de la valeur de la propri\u00e9t\u00e9.<\/p>\n\n\n\n

    Comment fonctionne ce programme?\u202f<\/strong><\/h4>\n\n\n\n

    L\u2019Incitatif permet aux acheteurs d\u2019une premi\u00e8re propri\u00e9t\u00e9 de r\u00e9duire leurs mensualit\u00e9s hypoth\u00e9caires sans faire augmenter leur mise de fonds. Cet Incitatif ne porte pas int\u00e9r\u00eat et ne pr\u00e9voit pas de remboursements r\u00e9guliers.<\/p>\n\n\n\n

    Par\u202fl\u2019entremise de cet Incitatif, le gouvernement du Canada offre aux acc\u00e9dants \u00e0 la propri\u00e9t\u00e9 :<\/p>\n\n\n\n

    • 5 % pour l\u2019achat d\u2019une maison existante;<\/li>
    • 5 % ou 10 % pour l\u2019achat d\u2019une habitation neuve.<\/li><\/ul>\n\n\n\n

      Comment savoir ce que je dois rembourser?<\/strong><\/h4>\n\n\n\n

      Vous pouvez rembourser le montant int\u00e9gral de l\u2019Incitatif \u00e0 n\u2019importe quel moment, sans p\u00e9nalit\u00e9 pour remboursement anticip\u00e9. Vous devez rembourser l\u2019Incitatif apr\u00e8s 25\u202fans ou \u00e0 la vente de la propri\u00e9t\u00e9, selon la premi\u00e8re \u00e9ventualit\u00e9. Le remboursement sera fond\u00e9 sur la juste valeur marchande de la propri\u00e9t\u00e9 :\u202f<\/p>\n\n\n\n

      • Vous recevez un Incitatif correspondant \u00e0 5 % du prix d\u2019achat de 200 000 $ de votre maison, soit 10 000 $. Si la valeur de votre maison monte \u00e0 300 000 $, vous rembourserez 5 % de la valeur courante, soit 15 000 $.\u202f<\/li>
      • Vous recevez un Incitatif correspondant \u00e0 10 % du prix d\u2019achat de 200 000 $ de votre maison, soit 20 000 $. Si la valeur de votre maison tombe \u00e0 150 000 $, vous rembourserez 10 % de la valeur courante, soit 15 000 $.<\/li><\/ul>\n\n\n\n

        REMARQUE<\/strong> : M\u00eame si la valeur de votre propri\u00e9t\u00e9 diminue, vous \u00eates tenu de rembourser le pr\u00eat hypoth\u00e9caire avec participation en fonction de la valeur courante de l\u2019habitation au moment du remboursement.\u202f\u202f<\/p>\n\n\n\n

        Comment pr\u00e9senter une demande?<\/strong><\/h4>\n\n\n\n

        Compl\u00e9tez les documents d\u2019application (\u00e0 suivre), puis apportez-les \u00e0 votre pr\u00eateur. Il finira de remplir votre formulaire de demande.<\/p>\n\n\n\n

        REMARQUE<\/strong> : \u00c0 compter du 2 septembre 2019, pour activer le paiement de l\u2019Incitatif, vous DEVEZ composer le 1-833-974-0963 et donner le nom du notaire ou de l\u2019avocat que vous avez choisi pour votre transaction. Vous devez fournir cette information le plus rapidement possible, au plus tard 2\u202fsemaines avant la date de cl\u00f4ture.<\/p>\n\n\n\n

        Le programme devrait \u00eatre pr\u00eat pour la r\u00e9ception des demandes d\u2019Incitatif \u00e0 compter du 2\u202fseptembre\u202f2019. Si une demande est approuv\u00e9e, la cl\u00f4ture de la transaction d\u2019achat doit se faire le 1er\u202fnovembre\u202f2019 ou apr\u00e8s.<\/p>\n\n\n\n

        Financement disponible<\/strong><\/h4>\n\n\n\n

        Le financement total est de 1,25\u202fmilliard de dollars sur 3\u202fans.<\/p>\n\n\n\n

        Voici un exemple.<\/strong><\/p>\n\n\n\n

        Anita veut acheter une maison neuve qui co\u00fbte 400 000 $.<\/p>\n\n\n\n

        Dans le cadre de l’Incitatif \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9, elle peut demander un montant de 40 000 $ sous forme de pr\u00eat hypoth\u00e9caire avec participation (10 % du co\u00fbt d\u2019une habitation neuve) du gouvernement du Canada. Cela r\u00e9duit le montant qu\u2019elle doit emprunter ainsi que ses d\u00e9penses mensuelles.<\/p>\n\n\n\n

        Les versements hypoth\u00e9caires d\u2019Anita seraient donc de 228 $ de moins par mois, c\u2019est-\u00e0-dire 2 736 $ de moins par ann\u00e9e.<\/p>\n\n\n\n

        Sources des articles : SCHL<\/p>\n","protected":false},"excerpt":{"rendered":"

        L\u2019Incitatif \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 vient en aide aux acheteurs d\u2019une premi\u00e8re habitation admissibles. Il r\u00e9duit leurs mensualit\u00e9s hypoth\u00e9caires, sans accro\u00eetre leur fardeau financier.\u202f The First-Time Home Buyer Incentive launches September 2, 2019*.\u202f L\u2019Incitatif \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 sera lanc\u00e9 le 2\u202fseptembre\u202f2019.* Au Sujet De l\u2019Incitatif \u00e0 l\u2019achat […]<\/p>\n","protected":false},"author":1,"featured_media":4405,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-3137","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":[],"yoast_head":"\nAcheteur d'une premi\u00e8re maison 2019 - Realty in Canada<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/realtyincanada.com\/fr\/new-post\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Acheteur d'une premi\u00e8re maison 2019 - Realty in Canada\" \/>\n<meta property=\"og:description\" content=\"L\u2019Incitatif \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 vient en aide aux acheteurs d\u2019une premi\u00e8re habitation admissibles. Il r\u00e9duit leurs mensualit\u00e9s hypoth\u00e9caires, sans accro\u00eetre leur fardeau financier.\u202f The First-Time Home Buyer Incentive launches September 2, 2019*.\u202f L\u2019Incitatif \u00e0 l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 sera lanc\u00e9 le 2\u202fseptembre\u202f2019.* Au Sujet De l\u2019Incitatif \u00e0 l\u2019achat […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/realtyincanada.com\/fr\/new-post\/\" \/>\n<meta property=\"og:site_name\" content=\"Realty in Canada\" \/>\n<meta property=\"article:published_time\" content=\"2019-08-09T21:35:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-09-18T02:11:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/realtyincanada.com\/wp-content\/uploads\/2019\/08\/house.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"619\" \/>\n\t<meta property=\"og:image:height\" content=\"362\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Acheteur d’une premi\u00e8re maison 2019\",\"datePublished\":\"2019-08-09T21:35:05+00:00\",\"dateModified\":\"2019-09-18T02:11:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/\"},\"wordCount\":644,\"publisher\":{\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/realtyincanada.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/house.jpg\",\"articleSection\":[\"Non classifi\u00e9(e)\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/\",\"url\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/\",\"name\":\"Acheteur d'une premi\u00e8re maison 2019 - Realty in Canada\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/realtyincanada.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/house.jpg\",\"datePublished\":\"2019-08-09T21:35:05+00:00\",\"dateModified\":\"2019-09-18T02:11:09+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/#primaryimage\",\"url\":\"https:\\\/\\\/realtyincanada.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/house.jpg\",\"contentUrl\":\"https:\\\/\\\/realtyincanada.com\\\/wp-content\\\/uploads\\\/2019\\\/08\\\/house.jpg\",\"width\":619,\"height\":362},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/new-post\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/realtyincanada.com\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Acheteur d’une premi\u00e8re maison 2019\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/realtyincanada.com\\\/#website\",\"url\":\"https:\\\/\\\/realtyincanada.com\\\/\",\"name\":\"Realty in Canada\",\"description\":\"Realty in Canada is your right choice for the best property agent in Canada. 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