{"id":622,"date":"2016-09-13T14:54:27","date_gmt":"2016-09-13T18:54:27","guid":{"rendered":"http:\/\/simon.wps.dev\/fr\/mortgage-renewal\/"},"modified":"2026-02-05T16:07:32","modified_gmt":"2026-02-05T21:07:32","slug":"renouvellement-hypothecaire","status":"publish","type":"page","link":"https:\/\/sebastienchampagne.com\/fr\/services\/renouvellement-hypothecaire\/","title":{"rendered":"RENOUVELLEMENT HYPOTH\u00c9CAIRE : l\u2019occasion id\u00e9ale d\u2019am\u00e9liorer vos conditions"},"content":{"rendered":"<h2><strong data-start=\"843\" data-end=\"877\">Le renouvellement hypoth\u00e9caire<\/strong><\/h2>\n<p data-start=\"880\" data-end=\"1012\">Le renouvellement survient \u00e0 la fin de votre terme, lorsque votre contrat actuel arrive \u00e0 \u00e9ch\u00e9ance, g\u00e9n\u00e9ralement apr\u00e8s 3 ou 5 ans.<br data-start=\"983\" data-end=\"986\" \/>\u00c0 ce moment, vous pouvez :<\/p>\n<ul data-start=\"1014\" data-end=\"1109\">\n<li data-start=\"1014\" data-end=\"1039\">\n<p data-start=\"1016\" data-end=\"1039\">ren\u00e9gocier votre taux<\/p>\n<\/li>\n<li data-start=\"1040\" data-end=\"1068\">\n<p data-start=\"1042\" data-end=\"1068\">choisir un nouveau terme<\/p>\n<\/li>\n<li data-start=\"1069\" data-end=\"1109\">\n<p data-start=\"1071\" data-end=\"1109\">revoir certains aspects des conditions<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1111\" data-end=\"1260\">Le montant de votre hypoth\u00e8que ne change pas. Par exemple, si vous avez achetez une propri\u00e9t\u00e9 au montant de 500 000$, amorti sur 25 ans, avec un taux de 2%, sur un terme de 5 ans, \u00e7a repr\u00e9sente des paiements de 2117$\/mois. Quelques mois avant la fin de votre terme (g\u00e9n\u00e9ralement 3 \u00e0 6 mois), vous allez n\u00e9gotier un nouveau terme assorti d&rsquo;un nouveau taux d&rsquo;int\u00e9r\u00eat, pour le 20 ans restant, qui influencera \u00e9galement vos paiements pour le prochain terme.<\/p>\n<p data-start=\"1790\" data-end=\"1862\">\n<hr data-start=\"1864\" data-end=\"1867\" \/>\n<p data-start=\"2394\" data-end=\"2611\">\n<h2>Pourquoi comparer avant de renouveler ?<\/h2>\n<p data-start=\"1072\" data-end=\"1225\">Lorsque votre hypoth\u00e8que arrive \u00e0 \u00e9ch\u00e9ance, la plupart des institutions financi\u00e8res renouvellent automatiquement sans offrir leurs meilleures conditions.<\/p>\n<p data-start=\"1227\" data-end=\"1299\">Pourtant, vous avez le pouvoir de n\u00e9gocier \u2014 et tellement \u00e0 gagner :<\/p>\n<ul data-start=\"1301\" data-end=\"1588\">\n<li data-start=\"1301\" data-end=\"1345\">\n<p data-start=\"1303\" data-end=\"1345\">Possibilit\u00e9 d\u2019obtenir un meilleur taux<\/p>\n<\/li>\n<li data-start=\"1346\" data-end=\"1396\">\n<p data-start=\"1348\" data-end=\"1396\">Diminution du co\u00fbt total de votre hypoth\u00e8que<\/p>\n<\/li>\n<li data-start=\"1397\" data-end=\"1442\">\n<p data-start=\"1399\" data-end=\"1442\">R\u00e9vision de la dur\u00e9e ou du type de taux<\/p>\n<\/li>\n<li data-start=\"1443\" data-end=\"1493\">\n<p data-start=\"1445\" data-end=\"1493\">Acc\u00e8s \u00e0 de nouveaux produits plus avantageux<\/p>\n<\/li>\n<li data-start=\"1494\" data-end=\"1588\">\n<p data-start=\"1496\" data-end=\"1588\">Ajustements selon vos nouveaux objectifs : famille, revenu, projets, retraits REER, etc.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1590\" data-end=\"1685\">C\u2019est le moment id\u00e9al pour faire un choix \u00e9clair\u00e9 plut\u00f4t que d\u2019accepter l\u2019offre par d\u00e9faut.<\/p>\n<h2 data-start=\"1590\" data-end=\"1685\">Mon r\u00f4le dans votre renouvellement<\/h2>\n<p data-start=\"1749\" data-end=\"1890\">Renouveler, ce n\u2019est pas juste signer un papier.<br data-start=\"1797\" data-end=\"1800\" \/>C\u2019est une occasion strat\u00e9gique et je suis l\u00e0 pour maximiser chaque avantage possible.<\/p>\n<p data-start=\"1892\" data-end=\"1918\">Ensemble, je vous aide \u00e0 :<\/p>\n<ul data-start=\"1920\" data-end=\"2260\">\n<li data-start=\"1920\" data-end=\"1995\">\n<p data-start=\"1922\" data-end=\"1995\">Comprendre toutes vos options (pas seulement celles d&rsquo;une seule banque)<\/p>\n<\/li>\n<li data-start=\"1996\" data-end=\"2070\">\n<p data-start=\"1998\" data-end=\"2070\">Comparer plusieurs pr\u00eateurs pour s\u00e9curiser le meilleur taux disponible<\/p>\n<\/li>\n<li data-start=\"2071\" data-end=\"2116\">\n<p data-start=\"2073\" data-end=\"2116\">Ajuster vos paiements selon vos objectifs<\/p>\n<\/li>\n<li data-start=\"2117\" data-end=\"2187\">\n<p data-start=\"2119\" data-end=\"2187\">D\u00e9cider si vous devriez raccourcir ou allonger votre amortissement<\/p>\n<\/li>\n<li data-start=\"2188\" data-end=\"2260\">\n<p data-start=\"2190\" data-end=\"2260\">\u00c9valuer si un changement de pr\u00eateur vous ferait \u00e9conomiser davantage<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2262\" data-end=\"2361\"><strong data-start=\"2265\" data-end=\"2361\">Mon accompagnement est 100 % personnalis\u00e9, transparent et adapt\u00e9 \u00e0 votre r\u00e9alit\u00e9 financi\u00e8re.<\/strong><\/p>\n<h2 data-start=\"2262\" data-end=\"2361\">Quand commencer les d\u00e9marches ?<\/h2>\n<p data-start=\"2422\" data-end=\"2436\">Id\u00e9alement : <strong>d<\/strong><strong data-start=\"2444\" data-end=\"2482\">e 90 \u00e0 120 jours avant l\u2019\u00e9ch\u00e9ance<\/strong><\/p>\n<p data-start=\"2486\" data-end=\"2496\">Pourquoi ?<\/p>\n<ul data-start=\"2498\" data-end=\"2675\">\n<li data-start=\"2498\" data-end=\"2561\">\n<p data-start=\"2500\" data-end=\"2561\">Cela permet de bloquer un taux avantageux avant une hausse.<\/p>\n<\/li>\n<li data-start=\"2562\" data-end=\"2606\">\n<p data-start=\"2564\" data-end=\"2606\">On \u00e9vite la pression de derni\u00e8re minute.<\/p>\n<\/li>\n<li data-start=\"2607\" data-end=\"2675\">\n<p data-start=\"2609\" data-end=\"2675\">Vous avez le temps d&rsquo;\u00e9valuer toutes les options sans engagement.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2677\" data-end=\"2797\">M\u00eame si votre renouvellement a une \u00e9ch\u00e9ance plus courte, je peux quand m\u00eame vous aider \u2014 mais le plus t\u00f4t, le mieux c&rsquo;est.<\/p>\n<h2 data-start=\"2677\" data-end=\"2797\">Quels sont vos objectifs ?<\/h2>\n<p data-start=\"2853\" data-end=\"2938\">Chaque renouvellement est diff\u00e9rent. On travaille ensemble selon ce que vous voulez :<\/p>\n<ul data-start=\"2940\" data-end=\"3136\">\n<li data-start=\"2940\" data-end=\"2977\">\n<p data-start=\"2942\" data-end=\"2977\">\u00a0R\u00e9duire vos paiements mensuels<\/p>\n<\/li>\n<li data-start=\"2978\" data-end=\"3011\">\n<p data-start=\"2980\" data-end=\"3011\">Raccourcir l\u2019amortissement<\/p>\n<\/li>\n<li data-start=\"3071\" data-end=\"3101\">\n<p data-start=\"3073\" data-end=\"3101\">\u00a0Stabiliser votre budget<\/p>\n<\/li>\n<li data-start=\"3102\" data-end=\"3136\">\n<p data-start=\"3104\" data-end=\"3136\">\u00a0Obtenir plus de flexibilit\u00e9<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3138\" data-end=\"3228\">Le renouvellement, c\u2019est l\u2019occasion de r\u00e9aligner votre hypoth\u00e8que avec votre vie actuelle.<\/p>\n<h2 data-start=\"3138\" data-end=\"3228\">FAQ rapide<\/h2>\n<h3 data-start=\"3287\" data-end=\"3342\"><strong data-start=\"3291\" data-end=\"3340\">Puis-je changer de banque au renouvellement ?<\/strong><\/h3>\n<p data-start=\"3343\" data-end=\"3448\">Oui, et souvent sans frais. Changer d\u2019institution peut vous permettre d\u2019obtenir de meilleures conditions.<\/p>\n<h3 data-start=\"3450\" data-end=\"3512\"><strong data-start=\"3454\" data-end=\"3510\">Est-ce obligatoire d\u2019accepter l\u2019offre de ma banque ?<\/strong><\/h3>\n<p data-start=\"3513\" data-end=\"3590\">Non. Et dans la majorit\u00e9 des cas, ce n\u2019est pas la meilleure offre disponible.<\/p>\n<h3 data-start=\"3592\" data-end=\"3648\"><strong data-start=\"3596\" data-end=\"3646\">Est-ce qu\u2019un courtier peut n\u00e9gocier pour moi ?<\/strong><\/h3>\n<p data-start=\"3649\" data-end=\"3757\">Oui \u2014 et c\u2019est exactement mon r\u00f4le : comparer, n\u00e9gocier et vous obtenir les meilleures conditions possibles.<\/p>\n<h3 data-start=\"3759\" data-end=\"3787\"><strong data-start=\"3763\" data-end=\"3785\">Combien \u00e7a co\u00fbte ?<\/strong><\/h3>\n<p data-start=\"3788\" data-end=\"3840\">Mon service est g\u00e9n\u00e9ralement sans frais pour vous. Ma r\u00e9mun\u00e9ration est pay\u00e9 par l&rsquo;institution financi\u00e8re.<\/p>\n<h2 data-start=\"3788\" data-end=\"3840\">Pr\u00eat(e) \u00e0 am\u00e9liorer vos conditions hypoth\u00e9caires ?<\/h2>\n<p>Votre renouvellement est une opportunit\u00e9 r\u00e9elle d\u2019\u00e9conomiser \u2014 et d\u2019adapter votre hypoth\u00e8que \u00e0 ce qui compte pour vous.<\/p>\n<div style=\"margin-top: 40px; margin-bottom: 60px; text-align: center;\">\n<p><!-- CTA principal : Parler \u00e0 un expert --><br \/>\n<a style=\"display: inline-flex; align-items: center; \/* centre verticalement *\/ justify-content: center; \/* centre horizontalement *\/ gap: 10px; \/* espace entre emoji et texte *\/ background: #f5c400; color: #003366; padding: 20px 40px; \/* ajust\u00e9 pour un plus beau ratio *\/ font-weight: bold; font-size: 20px; border-radius: 18px; text-decoration: none; box-shadow: 0 6px 14px rgba(0,0,0,0.15);\" href=\"https:\/\/sebastienchampagne.com\/fr\/contact\/\"><br \/>\n\ud83d\udcde Parler \u00e0 un expert<br \/>\n<\/a><\/p>\n<p><!-- Espace --><\/p>\n<div style=\"height: 12px;\"><\/div>\n<p><!-- Bouton calculateur --><br \/>\n<a style=\"display: inline-flex; align-items: center; \/* centre verticalement *\/ justify-content: center; \/* centre horizontalement *\/ gap: 8px; \/* espace entre emoji et texte *\/ background: #ffffff; color: #003366; padding: 16px 36px; font-weight: bold; font-size: 18px; border-radius: 10px; text-decoration: none; border: 2px solid #003366;\" href=\"\/fr\/refinance\/refinance-calculators\/\"><br \/>\nAcc\u00e9der aux calculateurs<br \/>\n<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Un renouvellement n\u2019est jamais automatique. C\u2019est une chance unique de revoir vos besoins, d\u2019obtenir un meilleur taux, et d\u2019optimiser votre strat\u00e9gie financi\u00e8re.<\/p>\n","protected":false},"author":1,"featured_media":1637,"parent":629,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Votre renouvellement arrive \u00e0 \u00e9ch\u00e9ance ? Comparez les options, n\u00e9gociez un meilleur taux et adaptez votre hypoth\u00e8que \u00e0 vos besoins. 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