{"id":3374,"date":"2026-09-06T14:44:52","date_gmt":"2026-09-06T12:44:52","guid":{"rendered":"https:\/\/omnium-courtage.ca\/?page_id=3374"},"modified":"2026-09-06T14:49:34","modified_gmt":"2026-09-06T12:49:34","slug":"prets-hypothecaires","status":"publish","type":"page","link":"https:\/\/omnium-courtage.ca\/en\/prets-hypothecaires\/","title":{"rendered":"Mortgages"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3374\" class=\"elementor elementor-3374\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-687b94bb elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"687b94bb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-142babd7\" data-id=\"142babd7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3c990890 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"3c990890\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3f991161\" data-id=\"3f991161\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-246364ce elementor-widget elementor-widget-heading\" data-id=\"246364ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pr\u00eat hypoth\u00e9caire au Qu\u00e9bec | Refinancement | Omnium Financial Group<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a0794cf\" data-id=\"a0794cf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-5489e0a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"5489e0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-52d6111 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"52d6111\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b91ee01 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"b91ee01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fb5469 elementor-widget elementor-widget-heading\" data-id=\"2fb5469\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAITES VOTRE DEMANDE RAPIDE EN QUELQUES MINUTES SANS AFFECTER VOTRE COTE DE CR\u00c9DIT<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3894f23 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3894f23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0bb01f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"d0bb01f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-deaac5c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"deaac5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe5b133 elementor-widget elementor-widget-heading\" data-id=\"fe5b133\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pr\u00eat hypoth\u00e9caire et refinancement au Qu\u00e9bec<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13ad8b2 elementor-widget elementor-widget-text-editor\" data-id=\"13ad8b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Que vous achetiez votre premi\u00e8re propri\u00e9t\u00e9, renouveliez votre hypoth\u00e8que ou cherchiez \u00e0 <strong>refinancer votre pr\u00eat hypoth\u00e9caire au Qu\u00e9bec<\/strong>, Omnium Financial Group vous accompagne pour trouver la solution la mieux adapt\u00e9e \u00e0 votre situation.<\/p><p dir=\"ltr\">Un pr\u00eat hypoth\u00e9caire vous permet de financer l&rsquo;achat d&rsquo;une r\u00e9sidence, garanti par le bien immobilier lui-m\u00eame. Le refinancement, quant \u00e0 lui, vous permet de ren\u00e9gocier les conditions de votre pr\u00eat existant \u2014 pour profiter d&rsquo;un meilleur taux, lib\u00e9rer de la valeur nette accumul\u00e9e ou consolider des dettes \u00e0 taux plus \u00e9lev\u00e9. Notre \u00e9quipe \u00e9tudie votre dossier rapidement et vous pr\u00e9sente des options claires, sans jargon inutile.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a24072c elementor-widget elementor-widget-heading\" data-id=\"a24072c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce qu'un pr\u00eat hypoth\u00e9caire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c14d24 elementor-widget elementor-widget-text-editor\" data-id=\"5c14d24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un pr\u00eat hypoth\u00e9caire est un financement garanti par un bien immobilier. Contrairement \u00e0 un pr\u00eat personnel, il est affect\u00e9 sp\u00e9cifiquement \u00e0 l&rsquo;achat (ou au refinancement) d&rsquo;une propri\u00e9t\u00e9, et le bien lui-m\u00eame sert de garantie au pr\u00eateur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ad7608 elementor-widget elementor-widget-heading\" data-id=\"0ad7608\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les principaux types de pr\u00eats hypoth\u00e9caires<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-700ad66 elementor-widget elementor-widget-text-editor\" data-id=\"700ad66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Achat d&rsquo;une premi\u00e8re propri\u00e9t\u00e9<\/strong> \u2014 financement initial pour devenir propri\u00e9taire<\/li><li><strong>Renouvellement hypoth\u00e9caire<\/strong> \u2014 \u00e0 l&rsquo;\u00e9ch\u00e9ance de votre terme actuel<\/li><li><strong>Refinancement hypoth\u00e9caire<\/strong> \u2014 ren\u00e9gociation des conditions ou acc\u00e8s \u00e0 la valeur nette de votre propri\u00e9t\u00e9<\/li><li><strong>Deuxi\u00e8me hypoth\u00e8que<\/strong> \u2014 financement additionnel garanti par la valeur nette d\u00e9j\u00e0 accumul\u00e9e<\/li><li><strong>Pr\u00eat relais (bridge loan)<\/strong> \u2014 financement temporaire entre l&rsquo;achat d&rsquo;une nouvelle propri\u00e9t\u00e9 et la vente de l&rsquo;ancienne<\/li><li>\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39619de elementor-widget elementor-widget-heading\" data-id=\"39619de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi refinancer votre pr\u00eat hypoth\u00e9caire au Qu\u00e9bec ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01509be elementor-widget elementor-widget-text-editor\" data-id=\"01509be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Le refinancement hypoth\u00e9caire est l&rsquo;une des recherches les plus fr\u00e9quentes au Qu\u00e9bec, et pour de bonnes raisons :<\/p><ul dir=\"ltr\"><li><strong>Profiter d&rsquo;un taux plus avantageux<\/strong> si les conditions du march\u00e9 ont chang\u00e9 depuis votre dernier terme<\/li><li><strong>Consolider des dettes \u00e0 taux \u00e9lev\u00e9<\/strong> (cartes de cr\u00e9dit, marges de cr\u00e9dit) dans un seul paiement mensuel \u00e0 taux plus bas<\/li><li><strong>Financer des r\u00e9novations majeures<\/strong> en utilisant la valeur nette de votre propri\u00e9t\u00e9<\/li><li><strong>Lib\u00e9rer des liquidit\u00e9s<\/strong> pour un projet personnel, un investissement ou une urgence familiale<\/li><li><strong>Modifier la dur\u00e9e de votre pr\u00eat<\/strong> pour r\u00e9duire vos mensualit\u00e9s ou rembourser plus rapidement<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba2d211 elementor-widget elementor-widget-heading\" data-id=\"ba2d211\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Combien pouvez-vous emprunter ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-016c913 elementor-widget elementor-widget-text-editor\" data-id=\"016c913\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Le montant admissible d\u00e9pend de la valeur de votre propri\u00e9t\u00e9, du solde restant sur votre hypoth\u00e8que actuelle (en cas de refinancement) et de votre capacit\u00e9 de remboursement. En g\u00e9n\u00e9ral, les pr\u00eateurs permettent de refinancer jusqu&rsquo;\u00e0 <strong>80 % de la valeur marchande<\/strong> de la propri\u00e9t\u00e9.<\/p><h3 dir=\"ltr\">Exemple de simulation<\/h3><div dir=\"ltr\"><table><thead><tr><th scope=\"col\">Valeur de la propri\u00e9t\u00e9<\/th><th scope=\"col\">Solde hypoth\u00e9caire actuel<\/th><th scope=\"col\">Montant refinan\u00e7able estim\u00e9*<\/th><\/tr><\/thead><tbody><tr><td>350 000 $<\/td><td>200 000 $<\/td><td>jusqu&rsquo;\u00e0 ~80 000 $ additionnels<\/td><\/tr><tr><td>500 000 $<\/td><td>300 000 $<\/td><td>jusqu&rsquo;\u00e0 ~100 000 $ additionnels<\/td><\/tr><tr><td>700 000 $<\/td><td>400 000 $<\/td><td>jusqu&rsquo;\u00e0 ~160 000 $ additionnels<\/td><\/tr><\/tbody><\/table><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c462f3 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"9c462f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a607a6 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"6a607a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"3374\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"6a607a6\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Pr\u00eats hypoth\u00e9caires - Omnium Financial Group\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"3374\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-number elementor-field-group elementor-column elementor-field-group-field_088bf56 elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_088bf56\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tDe combien avez-vous besoin ?\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t<input type=\"number\" name=\"form_fields[field_088bf56]\" id=\"form-field-field_088bf56\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Min $1000\" required=\"required\" min=\"1000\" max=\"\" >\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-number elementor-field-group elementor-column elementor-field-group-field_dfd3da5 elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_dfd3da5\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tP\u00e9riode de remboursement (en mois)\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t<input type=\"number\" name=\"form_fields[field_dfd3da5]\" id=\"form-field-field_dfd3da5\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" required=\"required\" min=\"\" max=\"\" >\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_7bfd231 elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_7bfd231\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMotif de la demande\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_7bfd231]\" id=\"form-field-field_7bfd231\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Pr\u00eats personnels\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tPr\u00e9nom\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-lg  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_bd7c44d elementor-col-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_bd7c44d\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNom\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_bd7c44d]\" id=\"form-field-field_bd7c44d\" class=\"elementor-field elementor-size-lg  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_a2f3683 elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_a2f3683\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNum\u00e9ro de t\u00e9l\u00e9phone principal\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_a2f3683]\" id=\"form-field-field_a2f3683\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_9a9268a elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_9a9268a\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tAdresse\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_9a9268a]\" id=\"form-field-field_9a9268a\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_7fedba8 elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_7fedba8\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tVille\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_7fedba8]\" id=\"form-field-field_7fedba8\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Soumettre ma demande<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-caf3369 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"caf3369\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33a25f3 elementor-widget elementor-widget-heading\" data-id=\"33a25f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conditions d'admissibilit\u00e9<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c582dd1 elementor-widget elementor-widget-text-editor\" data-id=\"c582dd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Pour faire une demande de pr\u00eat hypoth\u00e9caire ou de refinancement, vous devez g\u00e9n\u00e9ralement :<\/p><ul dir=\"ltr\"><li>\u00catre propri\u00e9taire (pour un refinancement) ou en voie d&rsquo;acqu\u00e9rir une propri\u00e9t\u00e9<\/li><li>Avoir un revenu stable et d\u00e9montrable<\/li><li>Pr\u00e9senter un dossier de cr\u00e9dit acceptable<\/li><li>Fournir une \u00e9valuation r\u00e9cente de la propri\u00e9t\u00e9 (souvent requise par le pr\u00eateur)<\/li><li>Respecter le ratio d&rsquo;endettement maximal exig\u00e9 par les pr\u00eateurs et les r\u00e8gles f\u00e9d\u00e9rales en vigueur<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1016f7 elementor-widget elementor-widget-heading\" data-id=\"f1016f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment faire une demande de pr\u00eat hypoth\u00e9caire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb28c0 elementor-widget elementor-widget-heading\" data-id=\"bbb28c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00c9tape par \u00e9tape<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92215a1 elementor-widget elementor-widget-text-editor\" data-id=\"92215a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Remplissez le formulaire en ligne<\/strong> \u2014 informations sur votre propri\u00e9t\u00e9 (ou projet d&rsquo;achat) et votre situation financi\u00e8re.<\/li><li><strong>Un conseiller \u00e9tudie votre dossier<\/strong> \u2014 analyse de votre capacit\u00e9 d&#8217;emprunt et des options disponibles.<\/li><li><strong>Recevez une offre personnalis\u00e9e<\/strong> \u2014 taux, dur\u00e9e et conditions vous sont pr\u00e9sent\u00e9s clairement.<\/li><li><strong>\u00c9valuation de la propri\u00e9t\u00e9<\/strong> \u2014 si requise, une \u00e9valuation confirme la valeur du bien.<\/li><li><strong>Signature et d\u00e9boursement<\/strong> \u2014 une fois l&rsquo;offre accept\u00e9e, les fonds sont vers\u00e9s selon les modalit\u00e9s convenues (achat) ou le nouveau pr\u00eat remplace l&rsquo;ancien (refinancement).<\/li><li>\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6a7fb2 elementor-widget elementor-widget-heading\" data-id=\"d6a7fb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi choisir Omnium Financial Group pour votre pr\u00eat hypoth\u00e9caire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54aa29b elementor-widget elementor-widget-text-editor\" data-id=\"54aa29b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Expertise du march\u00e9 qu\u00e9b\u00e9cois<\/strong>, incluant les particularit\u00e9s du refinancement local<\/li><li><strong>Options multiples pr\u00e9sent\u00e9es clairement<\/strong>, sans jargon<\/li><li><strong>Accompagnement humain<\/strong> \u00e0 chaque \u00e9tape du dossier<\/li><li><strong>Processus en ligne rapide<\/strong>, avec suivi personnalis\u00e9<\/li><li><strong>Transparence totale<\/strong> sur les taux et les conditions<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87473be elementor-widget elementor-widget-heading\" data-id=\"87473be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Foire aux questions (FAQ)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95ff6f7 elementor-widget elementor-widget-text-editor\" data-id=\"95ff6f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\"><strong>Quelle est la diff\u00e9rence entre un pr\u00eat hypoth\u00e9caire et un refinancement ?<\/strong> Le pr\u00eat hypoth\u00e9caire initial sert \u00e0 acheter une propri\u00e9t\u00e9, tandis que le refinancement consiste \u00e0 ren\u00e9gocier les conditions d&rsquo;un pr\u00eat existant, souvent pour obtenir un meilleur taux ou acc\u00e9der \u00e0 la valeur nette accumul\u00e9e.<\/p><p dir=\"ltr\"><strong>Combien de valeur nette puis-je retirer en refinan\u00e7ant ma propri\u00e9t\u00e9 ?<\/strong> G\u00e9n\u00e9ralement jusqu&rsquo;\u00e0 80 % de la valeur marchande de la propri\u00e9t\u00e9, moins le solde hypoth\u00e9caire restant.<\/p><p dir=\"ltr\"><strong>Le refinancement affecte-t-il mon dossier de cr\u00e9dit ?<\/strong> Une demande de refinancement peut entra\u00eener une consultation de votre dossier de cr\u00e9dit. Contactez-nous pour conna\u00eetre notre politique exacte.<\/p><p dir=\"ltr\"><strong>Quels documents sont n\u00e9cessaires pour une demande de pr\u00eat hypoth\u00e9caire ?<\/strong> G\u00e9n\u00e9ralement : preuve de revenu, relev\u00e9s bancaires, \u00e9valuation de la propri\u00e9t\u00e9 et pi\u00e8ce d&rsquo;identit\u00e9. La liste exacte varie selon votre situation.<\/p><p dir=\"ltr\"><strong>Puis-je refinancer m\u00eame si mon terme hypoth\u00e9caire n&rsquo;est pas termin\u00e9 ?<\/strong> Cela d\u00e9pend des p\u00e9nalit\u00e9s pr\u00e9vues \u00e0 votre contrat actuel. Un conseiller peut \u00e9valuer si le refinancement anticip\u00e9 reste avantageux dans votre cas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-233cb40 elementor-widget elementor-widget-heading\" data-id=\"233cb40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Faites votre demande de pr\u00eat hypoth\u00e9caire d\u00e8s maintenant<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cb1511 elementor-widget elementor-widget-text-editor\" data-id=\"3cb1511\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Achat, renouvellement ou refinancement : obtenez une \u00e9valuation claire de vos options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2068163 elementor-widget elementor-widget-button\" data-id=\"2068163\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/omnium-courtage.ca\/get-a-loan\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Faire ma demande de pr\u00eat personnel<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pr\u00eat hypoth\u00e9caire au Qu\u00e9bec | Refinancement | Omnium Financial Group FAITES VOTRE DEMANDE RAPIDE EN QUELQUES MINUTES SANS AFFECTER VOTRE COTE DE CR\u00c9DIT Pr\u00eat hypoth\u00e9caire et refinancement au Qu\u00e9bec Que vous achetiez votre premi\u00e8re propri\u00e9t\u00e9, renouveliez votre hypoth\u00e8que ou cherchiez \u00e0 refinancer votre pr\u00eat hypoth\u00e9caire au Qu\u00e9bec, Omnium Financial Group vous accompagne pour trouver la<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3374","page","type-page","status-publish","hentry"],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/omnium-courtage.ca\/en\/wp-json\/wp\/v2\/pages\/3374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/omnium-courtage.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/omnium-courtage.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/omnium-courtage.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/omnium-courtage.ca\/en\/wp-json\/wp\/v2\/comments?post=3374"}],"version-history":[{"count":4,"href":"https:\/\/omnium-courtage.ca\/en\/wp-json\/wp\/v2\/pages\/3374\/revisions"}],"predecessor-version":[{"id":3378,"href":"https:\/\/omnium-courtage.ca\/en\/wp-json\/wp\/v2\/pages\/3374\/revisions\/3378"}],"wp:attachment":[{"href":"https:\/\/omnium-courtage.ca\/en\/wp-json\/wp\/v2\/media?parent=3374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}