{"id":26103,"date":"2025-10-21T18:51:18","date_gmt":"2025-10-21T18:51:18","guid":{"rendered":"https:\/\/springfinancial-mex.sf-stg.ca\/help-centre\/mortgages\/"},"modified":"2026-03-30T22:59:46","modified_gmt":"2026-03-30T22:59:46","slug":"hypotheques","status":"publish","type":"page","link":"https:\/\/springfinancial-mex.sf-stg.ca\/fr\/help-centre\/hypotheques\/","title":{"rendered":"FAQ &#8211; Hypoth\u00e8ques"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"26103\" class=\"elementor elementor-26103\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-272fb085 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"272fb085\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_range&quot;:&quot;viewport&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-33bc1336 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"33bc1336\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-218f8b48 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"218f8b48\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">FAQ Hypoth\u00e8ques<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32849e91 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"32849e91\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_tablet&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Foire aux questions<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15b509fc elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"15b509fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Vos finances sont importantes pour vous. Notre objectif est d\u2019offrir une transparence totale sur nos produits afin\u00a0 de vous aider \u00e0 choisir la solution qui vous convient le mieux.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7aa4cd02 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7aa4cd02\" 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-1a49627a elementor-widget__width-initial elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"1a49627a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a 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class=\"elementor-element elementor-element-39761f83 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"39761f83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75eab837 elementor-widget elementor-widget-heading\" data-id=\"75eab837\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hypoth\u00e8ques<\/h2>\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-161eaeeb e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"161eaeeb\" 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-102339d2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"102339d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c580a95 elementor-widget elementor-widget-heading\" data-id=\"7c580a95\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comprendre vos options hypoth\u00e9caires<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-564984c8 elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"564984c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1440\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1440\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Qu\u2019est-ce qu\u2019une hypoth\u00e8que bas\u00e9e sur l\u2019\u00e9quit\u00e9? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1440\" class=\"elementor-element elementor-element-23cf73c6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"23cf73c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-166dcaa9 elementor-widget elementor-widget-text-editor\" data-id=\"166dcaa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Une <\/span><b>hypoth\u00e8que bas\u00e9e sur l\u2019\u00e9quit\u00e9<\/b><span style=\"font-weight: 400;\"> est un type de financement immobilier o\u00f9 l\u2019approbation est principalement fond\u00e9e sur la <\/span><b>valeur de votre propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> et le <\/span><b>montant d\u2019\u00e9quit\u00e9 disponible<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">L\u2019<\/span><b>\u00e9quit\u00e9 immobili\u00e8re<\/b><span style=\"font-weight: 400;\"> correspond \u00e0 la diff\u00e9rence entre la <\/span><b>valeur marchande de votre maison<\/b><span style=\"font-weight: 400;\"> et le montant qu\u2019il vous reste \u00e0 payer sur votre hypoth\u00e8que actuelle. Plus vous avez d\u2019\u00e9quit\u00e9, plus vous pourriez avoir acc\u00e8s \u00e0 diff\u00e9rentes options d\u2019emprunt.<\/span><\/p><p><span style=\"font-weight: 400;\">Contrairement aux hypoth\u00e8ques bancaires traditionnelles, qui mettent souvent l\u2019accent sur la v\u00e9rification des revenus et la cote de cr\u00e9dit, les hypoth\u00e8ques bas\u00e9es sur l\u2019\u00e9quit\u00e9 accordent davantage d\u2019importance \u00e0 la <\/span><b>propri\u00e9t\u00e9 elle-m\u00eame comme garantie du pr\u00eat<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Ce type de financement peut \u00eatre envisag\u00e9 par les propri\u00e9taires qui :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ont une <\/span><b>\u00e9quit\u00e9 importante dans leur maison<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ont connu des <\/span><b>changements de revenus<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ont des <\/span><b>d\u00e9fis li\u00e9s au cr\u00e9dit<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Souhaitent acc\u00e9der \u00e0 des fonds par <\/span><b>refinancement<\/b><span style=\"font-weight: 400;\"> ou par une <\/span><b>deuxi\u00e8me hypoth\u00e8que<\/b><b><br \/><br \/><\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">L\u2019approbation du pr\u00eat, les taux et les modalit\u00e9s d\u00e9pendent de la <\/span><b>valeur de votre propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\">, de votre <\/span><b>\u00e9quit\u00e9 disponible<\/b><span style=\"font-weight: 400;\"> et de votre <\/span><b>profil financier global<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1441\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1441\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Qu\u2019est-ce qu\u2019une deuxi\u00e8me hypoth\u00e8que? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1441\" class=\"elementor-element elementor-element-3d7f51ea e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3d7f51ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ff01783 elementor-widget elementor-widget-text-editor\" data-id=\"7ff01783\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Une <\/span><b>deuxi\u00e8me hypoth\u00e8que<\/b><span style=\"font-weight: 400;\"> est un pr\u00eat garanti par votre maison en plus de votre <\/span><b>hypoth\u00e8que principale (premi\u00e8re hypoth\u00e8que)<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous avez d\u00e9j\u00e0 une hypoth\u00e8que sur votre propri\u00e9t\u00e9 et que vous souhaitez acc\u00e9der \u00e0 des fonds suppl\u00e9mentaires, une deuxi\u00e8me hypoth\u00e8que vous permet d\u2019<\/span><b>emprunter sur l\u2019\u00e9quit\u00e9 accumul\u00e9e dans votre maison<\/b><span style=\"font-weight: 400;\"> sans remplacer votre hypoth\u00e8que actuelle.<\/span><\/p><p><span style=\"font-weight: 400;\">Les deuxi\u00e8mes hypoth\u00e8ques sont souvent utilis\u00e9es pour :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consolider des dettes<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financer des r\u00e9novations domiciliaires<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Couvrir des d\u00e9penses impr\u00e9vues<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Acc\u00e9der \u00e0 des liquidit\u00e9s sans refinancer la premi\u00e8re hypoth\u00e8que<\/b><b><br \/><br \/><\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Comme elle est enregistr\u00e9e <\/span><b>apr\u00e8s la premi\u00e8re hypoth\u00e8que<\/b><span style=\"font-weight: 400;\">, une deuxi\u00e8me hypoth\u00e8que comporte g\u00e9n\u00e9ralement des modalit\u00e9s diff\u00e9rentes de celles de votre hypoth\u00e8que principale. L\u2019approbation est g\u00e9n\u00e9ralement bas\u00e9e sur votre <\/span><b>\u00e9quit\u00e9 immobili\u00e8re disponible<\/b><span style=\"font-weight: 400;\">, la <\/span><b>valeur de la propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> et votre <\/span><b>profil financier global<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1442\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1442\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Qu\u2019est-ce qu\u2019une hypoth\u00e8que priv\u00e9e? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1442\" class=\"elementor-element elementor-element-5524855b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5524855b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73297ca8 elementor-widget elementor-widget-text-editor\" data-id=\"73297ca8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section class=\"app-section\" data-v-51f667e0=\"\" data-v-3ad3d15a=\"\" data-v-3593c3e9=\"\"><div class=\"help-centre-answer\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><div class=\"container\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><div class=\"max-w-600 md:w-600\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><p><span style=\"font-weight: 400;\">Une <\/span><b>hypoth\u00e8que priv\u00e9e<\/b><span style=\"font-weight: 400;\"> est un pr\u00eat immobilier offert par un <\/span><b>investisseur priv\u00e9<\/b><span style=\"font-weight: 400;\"> ou une <\/span><b>institution de pr\u00eat priv\u00e9e<\/b><span style=\"font-weight: 400;\">, plut\u00f4t que par une banque ou une caisse populaire traditionnelle.<\/span><\/p><p><span style=\"font-weight: 400;\">Les hypoth\u00e8ques priv\u00e9es sont g\u00e9n\u00e9ralement garanties par l\u2019<\/span><b>\u00e9quit\u00e9 de votre maison<\/b><span style=\"font-weight: 400;\"> et sont souvent envisag\u00e9es lorsque les crit\u00e8res de pr\u00eat traditionnels sont plus difficiles \u00e0 respecter.<\/span><\/p><p><span style=\"font-weight: 400;\">Au lieu de se concentrer principalement sur la v\u00e9rification des revenus ou sur des exigences strictes en mati\u00e8re de cr\u00e9dit, les pr\u00eateurs priv\u00e9s mettent g\u00e9n\u00e9ralement davantage l\u2019accent sur :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La <\/span><b>valeur de la propri\u00e9t\u00e9<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L\u2019<\/span><b>\u00e9quit\u00e9 disponible dans la maison<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La <\/span><b>strat\u00e9gie de sortie<\/b><span style=\"font-weight: 400;\"> (comment le pr\u00eat sera rembours\u00e9 ou refinanc\u00e9)<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Les hypoth\u00e8ques priv\u00e9es sont souvent utilis\u00e9es pour :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Des <\/span><b>besoins de financement \u00e0 court terme<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Une <\/span><b>p\u00e9riode de transition entre deux transactions immobili\u00e8res<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La <\/span><b>restructuration de dettes<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Des <\/span><b>situations urgentes n\u00e9cessitant un financement rapide<br \/><br \/><\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Les modalit\u00e9s et les taux varient selon la propri\u00e9t\u00e9 et le <\/span><b>niveau de risque global<\/b><span style=\"font-weight: 400;\">. Les hypoth\u00e8ques priv\u00e9es sont souvent structur\u00e9es comme des <\/span><b>solutions \u00e0 court terme<\/b><span style=\"font-weight: 400;\">, avec l\u2019objectif \u00e9ventuel de refinancer vers une hypoth\u00e8que traditionnelle lorsque cela devient possible.<\/span><\/p><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1443\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1443\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Quelle est la diff\u00e9rence entre un refinancement et une deuxi\u00e8me hypoth\u00e8que? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1443\" class=\"elementor-element elementor-element-249f35ce e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"249f35ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cafc5a8 elementor-widget elementor-widget-text-editor\" data-id=\"1cafc5a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section class=\"app-section\" data-v-51f667e0=\"\" data-v-3ad3d15a=\"\" data-v-3593c3e9=\"\"><div class=\"help-centre-answer\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><div class=\"container\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><div class=\"max-w-600 md:w-600\" data-v-3ad3d15a=\"\" data-v-51f667e0=\"\"><p><span style=\"font-weight: 400;\">Un <\/span><b>refinancement hypoth\u00e9caire<\/b><span style=\"font-weight: 400;\"> remplace votre hypoth\u00e8que existante par un nouveau pr\u00eat, tandis qu\u2019une <\/span><b>deuxi\u00e8me hypoth\u00e8que<\/b><span style=\"font-weight: 400;\"> est un pr\u00eat suppl\u00e9mentaire qui s\u2019ajoute \u00e0 votre hypoth\u00e8que actuelle.<\/span><\/p><p><span style=\"font-weight: 400;\">Avec un refinancement, votre hypoth\u00e8que actuelle est rembours\u00e9e et remplac\u00e9e par une nouvelle hypoth\u00e8que qui peut avoir <\/span><b>des modalit\u00e9s diff\u00e9rentes, un taux d\u2019int\u00e9r\u00eat diff\u00e9rent ou un montant plus \u00e9lev\u00e9<\/b><span style=\"font-weight: 400;\"> si vous souhaitez acc\u00e9der \u00e0 l\u2019\u00e9quit\u00e9 de votre maison. Cela peut \u00eatre utile si vous voulez <\/span><b>consolider des dettes, r\u00e9duire vos paiements ou acc\u00e9der \u00e0 l\u2019\u00e9quit\u00e9 immobili\u00e8re<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Une <\/span><b>deuxi\u00e8me hypoth\u00e8que<\/b><span style=\"font-weight: 400;\">, quant \u00e0 elle, vous permet d\u2019emprunter sur l\u2019\u00e9quit\u00e9 de votre maison <\/span><b>sans modifier votre hypoth\u00e8que principale<\/b><span style=\"font-weight: 400;\">. Elle s\u2019ajoute \u00e0 votre hypoth\u00e8que actuelle et poss\u00e8de g\u00e9n\u00e9ralement <\/span><b>ses propres modalit\u00e9s et structure de remboursement<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">La solution la plus appropri\u00e9e d\u00e9pend de votre <\/span><b>\u00e9quit\u00e9 disponible<\/b><span style=\"font-weight: 400;\">, des <\/span><b>modalit\u00e9s de votre hypoth\u00e8que actuelle<\/b><span style=\"font-weight: 400;\"> et de vos <\/span><b>objectifs financiers<\/b><span style=\"font-weight: 400;\">. Si vous souhaitez explorer l\u2019option qui pourrait vous convenir, vous pouvez commencer votre <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/mortgage?_gl=1*1got9yt*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyOTczMzkkbzg3JGcxJHQxNzc0Mjk3MzQ4JGo1MSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>demande d\u2019hypoth\u00e8que ici<\/b><span style=\"font-weight: 400;\">.<\/span><\/span><\/a><\/p><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1444\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1444\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Quels taux hypoth\u00e9caires offrez-vous? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1444\" class=\"elementor-element elementor-element-6b300530 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6b300530\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3017c969 elementor-widget elementor-widget-text-editor\" data-id=\"3017c969\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les <\/span><b>taux hypoth\u00e9caires<\/b><span style=\"font-weight: 400;\"> varient selon votre situation personnelle et les conditions actuelles du march\u00e9.<\/span><\/p><p><span style=\"font-weight: 400;\">En tant que <\/span><b>courtage hypoth\u00e9caire<\/b><span style=\"font-weight: 400;\">, Spring Mortgage Group travaille avec un r\u00e9seau de <\/span><b>banques, pr\u00eateurs et partenaires institutionnels<\/b><span style=\"font-weight: 400;\"> afin de trouver des options de taux comp\u00e9titifs adapt\u00e9es \u00e0 votre propri\u00e9t\u00e9, votre \u00e9quit\u00e9 et votre profil financier global.<\/span><\/p><p><span style=\"font-weight: 400;\">Les taux sont influenc\u00e9s par plusieurs facteurs, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La <\/span><b>valeur de la propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> et l\u2019<\/span><b>\u00e9quit\u00e9 disponible<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Votre <\/span><b>profil de cr\u00e9dit<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vos <\/span><b>revenus et dettes existantes<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le <\/span><b>type de pr\u00eat et la dur\u00e9e<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les <\/span><b>conditions du march\u00e9<\/b><span style=\"font-weight: 400;\">, y compris les changements du taux directeur de la <\/span><b>Banque du Canada<\/b><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Comme les taux changent fr\u00e9quemment, la meilleure fa\u00e7on de conna\u00eetre les options qui pourraient \u00eatre disponibles pour vous est de <\/span><b>commencer votre <a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/mortgage?_gl=1*1got9yt*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyOTczMzkkbzg3JGcxJHQxNzc0Mjk3MzQ4JGo1MSRsMCRoMA..\"><span style=\"text-decoration: underline;\">demande d\u2019hypoth\u00e8que ici<\/span><\/a><\/b><span style=\"font-weight: 400;\"> afin d\u2019obtenir une <\/span><b>soumission personnalis\u00e9e<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Les services hypoth\u00e9caires sont offerts aux <\/span><b>propri\u00e9taires admissibles en Ontario, en Colombie-Britannique et en Alberta<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce qu\\u2019une hypoth\\u00e8que bas\\u00e9e sur l\\u2019\\u00e9quit\\u00e9?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une hypoth\\u00e8que bas\\u00e9e sur l\\u2019\\u00e9quit\\u00e9 est un type de financement immobilier o\\u00f9 l\\u2019approbation est principalement fond\\u00e9e sur la valeur de votre propri\\u00e9t\\u00e9 et le montant d\\u2019\\u00e9quit\\u00e9 disponible.L\\u2019\\u00e9quit\\u00e9 immobili\\u00e8re correspond \\u00e0 la diff\\u00e9rence entre la valeur marchande de votre maison et le montant qu\\u2019il vous reste \\u00e0 payer sur votre hypoth\\u00e8que actuelle. Plus vous avez d\\u2019\\u00e9quit\\u00e9, plus vous pourriez avoir acc\\u00e8s \\u00e0 diff\\u00e9rentes options d\\u2019emprunt.Contrairement aux hypoth\\u00e8ques bancaires traditionnelles, qui mettent souvent l\\u2019accent sur la v\\u00e9rification des revenus et la cote de cr\\u00e9dit, les hypoth\\u00e8ques bas\\u00e9es sur l\\u2019\\u00e9quit\\u00e9 accordent davantage d\\u2019importance \\u00e0 la propri\\u00e9t\\u00e9 elle-m\\u00eame comme garantie du pr\\u00eat.Ce type de financement peut \\u00eatre envisag\\u00e9 par les propri\\u00e9taires qui :Ont une \\u00e9quit\\u00e9 importante dans leur maisonOnt connu des changements de revenusOnt des d\\u00e9fis li\\u00e9s au cr\\u00e9ditSouhaitent acc\\u00e9der \\u00e0 des fonds par refinancement ou par une deuxi\\u00e8me hypoth\\u00e8queL\\u2019approbation du pr\\u00eat, les taux et les modalit\\u00e9s d\\u00e9pendent de la valeur de votre propri\\u00e9t\\u00e9, de votre \\u00e9quit\\u00e9 disponible et de votre profil financier global.\"}},{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce qu\\u2019une deuxi\\u00e8me hypoth\\u00e8que?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une deuxi\\u00e8me hypoth\\u00e8que est un pr\\u00eat garanti par votre maison en plus de votre hypoth\\u00e8que principale (premi\\u00e8re hypoth\\u00e8que).Si vous avez d\\u00e9j\\u00e0 une hypoth\\u00e8que sur votre propri\\u00e9t\\u00e9 et que vous souhaitez acc\\u00e9der \\u00e0 des fonds suppl\\u00e9mentaires, une deuxi\\u00e8me hypoth\\u00e8que vous permet d\\u2019emprunter sur l\\u2019\\u00e9quit\\u00e9 accumul\\u00e9e dans votre maison sans remplacer votre hypoth\\u00e8que actuelle.Les deuxi\\u00e8mes hypoth\\u00e8ques sont souvent utilis\\u00e9es pour :Consolider des dettesFinancer des r\\u00e9novations domiciliairesCouvrir des d\\u00e9penses impr\\u00e9vuesAcc\\u00e9der \\u00e0 des liquidit\\u00e9s sans refinancer la premi\\u00e8re hypoth\\u00e8queComme elle est enregistr\\u00e9e apr\\u00e8s la premi\\u00e8re hypoth\\u00e8que, une deuxi\\u00e8me hypoth\\u00e8que comporte g\\u00e9n\\u00e9ralement des modalit\\u00e9s diff\\u00e9rentes de celles de votre hypoth\\u00e8que principale. L\\u2019approbation est g\\u00e9n\\u00e9ralement bas\\u00e9e sur votre \\u00e9quit\\u00e9 immobili\\u00e8re disponible, la valeur de la propri\\u00e9t\\u00e9 et votre profil financier global.\"}},{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce qu\\u2019une hypoth\\u00e8que priv\\u00e9e?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une hypoth\\u00e8que priv\\u00e9e est un pr\\u00eat immobilier offert par un investisseur priv\\u00e9 ou une institution de pr\\u00eat priv\\u00e9e, plut\\u00f4t que par une banque ou une caisse populaire traditionnelle.Les hypoth\\u00e8ques priv\\u00e9es sont g\\u00e9n\\u00e9ralement garanties par l\\u2019\\u00e9quit\\u00e9 de votre maison et sont souvent envisag\\u00e9es lorsque les crit\\u00e8res de pr\\u00eat traditionnels sont plus difficiles \\u00e0 respecter.Au lieu de se concentrer principalement sur la v\\u00e9rification des revenus ou sur des exigences strictes en mati\\u00e8re de cr\\u00e9dit, les pr\\u00eateurs priv\\u00e9s mettent g\\u00e9n\\u00e9ralement davantage l\\u2019accent sur :La valeur de la propri\\u00e9t\\u00e9L\\u2019\\u00e9quit\\u00e9 disponible dans la maisonLa strat\\u00e9gie de sortie (comment le pr\\u00eat sera rembours\\u00e9 ou refinanc\\u00e9)Les hypoth\\u00e8ques priv\\u00e9es sont souvent utilis\\u00e9es pour :Des besoins de financement \\u00e0 court termeUne p\\u00e9riode de transition entre deux transactions immobili\\u00e8resLa restructuration de dettesDes situations urgentes n\\u00e9cessitant un financement rapideLes modalit\\u00e9s et les taux varient selon la propri\\u00e9t\\u00e9 et le niveau de risque global. Les hypoth\\u00e8ques priv\\u00e9es sont souvent structur\\u00e9es comme des solutions \\u00e0 court terme, avec l\\u2019objectif \\u00e9ventuel de refinancer vers une hypoth\\u00e8que traditionnelle lorsque cela devient possible.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\\u00e9rence entre un refinancement et une deuxi\\u00e8me hypoth\\u00e8que?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un refinancement hypoth\\u00e9caire remplace votre hypoth\\u00e8que existante par un nouveau pr\\u00eat, tandis qu\\u2019une deuxi\\u00e8me hypoth\\u00e8que est un pr\\u00eat suppl\\u00e9mentaire qui s\\u2019ajoute \\u00e0 votre hypoth\\u00e8que actuelle.Avec un refinancement, votre hypoth\\u00e8que actuelle est rembours\\u00e9e et remplac\\u00e9e par une nouvelle hypoth\\u00e8que qui peut avoir des modalit\\u00e9s diff\\u00e9rentes, un taux d\\u2019int\\u00e9r\\u00eat diff\\u00e9rent ou un montant plus \\u00e9lev\\u00e9 si vous souhaitez acc\\u00e9der \\u00e0 l\\u2019\\u00e9quit\\u00e9 de votre maison. Cela peut \\u00eatre utile si vous voulez consolider des dettes, r\\u00e9duire vos paiements ou acc\\u00e9der \\u00e0 l\\u2019\\u00e9quit\\u00e9 immobili\\u00e8re.Une deuxi\\u00e8me hypoth\\u00e8que, quant \\u00e0 elle, vous permet d\\u2019emprunter sur l\\u2019\\u00e9quit\\u00e9 de votre maison sans modifier votre hypoth\\u00e8que principale. Elle s\\u2019ajoute \\u00e0 votre hypoth\\u00e8que actuelle et poss\\u00e8de g\\u00e9n\\u00e9ralement ses propres modalit\\u00e9s et structure de remboursement.La solution la plus appropri\\u00e9e d\\u00e9pend de votre \\u00e9quit\\u00e9 disponible, des modalit\\u00e9s de votre hypoth\\u00e8que actuelle et de vos objectifs financiers. Si vous souhaitez explorer l\\u2019option qui pourrait vous convenir, vous pouvez commencer votre demande d\\u2019hypoth\\u00e8que ici.\"}},{\"@type\":\"Question\",\"name\":\"Quels taux hypoth\\u00e9caires offrez-vous?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les taux hypoth\\u00e9caires varient selon votre situation personnelle et les conditions actuelles du march\\u00e9.En tant que courtage hypoth\\u00e9caire, Spring Mortgage Group travaille avec un r\\u00e9seau de banques, pr\\u00eateurs et partenaires institutionnels afin de trouver des options de taux comp\\u00e9titifs adapt\\u00e9es \\u00e0 votre propri\\u00e9t\\u00e9, votre \\u00e9quit\\u00e9 et votre profil financier global.Les taux sont influenc\\u00e9s par plusieurs facteurs, notamment :La valeur de la propri\\u00e9t\\u00e9 et l\\u2019\\u00e9quit\\u00e9 disponibleVotre profil de cr\\u00e9ditVos revenus et dettes existantesLe type de pr\\u00eat et la dur\\u00e9eLes conditions du march\\u00e9, y compris les changements du taux directeur de la Banque du Canada\\u00a0Comme les taux changent fr\\u00e9quemment, la meilleure fa\\u00e7on de conna\\u00eetre les options qui pourraient \\u00eatre disponibles pour vous est de commencer votre demande d\\u2019hypoth\\u00e8que ici afin d\\u2019obtenir une soumission personnalis\\u00e9e.Les services hypoth\\u00e9caires sont offerts aux propri\\u00e9taires admissibles en Ontario, en Colombie-Britannique et en Alberta.\"}}]}<\/script>\n\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<div class=\"elementor-element elementor-element-29262730 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"29262730\" 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-45b8587f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"45b8587f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6479921e elementor-widget elementor-widget-heading\" data-id=\"6479921e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00c9quit\u00e9 immobili\u00e8re et emprunt\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d0182f3 elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"3d0182f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1020\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1020\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Combien puis-je emprunter sur l\u2019\u00e9quit\u00e9 de ma maison? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1020\" class=\"elementor-element elementor-element-57eca758 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"57eca758\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f9f9f0e elementor-widget elementor-widget-text-editor\" data-id=\"3f9f9f0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le montant que vous pouvez emprunter d\u00e9pend de la <\/span><b>valeur marchande actuelle de votre maison<\/b><span style=\"font-weight: 400;\"> et du <\/span><b>solde restant sur votre hypoth\u00e8que existante<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">L\u2019\u00e9quit\u00e9 immobili\u00e8re se calcule comme suit :<\/span><\/p><p><b>Valeur actuelle de la propri\u00e9t\u00e9 \u2013 solde de l\u2019hypoth\u00e8que<\/b><\/p><p><span style=\"font-weight: 400;\">Les pr\u00eateurs \u00e9valuent g\u00e9n\u00e9ralement le <\/span><b>ratio pr\u00eat-valeur (RPV ou LTV)<\/b><span style=\"font-weight: 400;\">, qui repr\u00e9sente le pourcentage de la valeur de votre maison financ\u00e9 apr\u00e8s l\u2019ajout du nouveau pr\u00eat. Plusieurs pr\u00eateurs permettent un refinancement jusqu\u2019\u00e0 <\/span><b>80 % du ratio pr\u00eat-valeur<\/b><span style=\"font-weight: 400;\">, mais cette limite peut varier selon le cr\u00e9dit, l\u2019emplacement, le type de propri\u00e9t\u00e9 et le pr\u00eateur.<\/span><\/p><p><span style=\"font-weight: 400;\">Le montant maximal disponible d\u00e9pendra de plusieurs facteurs, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La <\/span><b>valeur de la propri\u00e9t\u00e9<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le <\/span><b>solde de votre hypoth\u00e8que actuelle<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le <\/span><b>type de produit hypoth\u00e9caire<\/b><span style=\"font-weight: 400;\"> (refinancement, deuxi\u00e8me hypoth\u00e8que ou hypoth\u00e8que priv\u00e9e)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Votre <\/span><b>profil de cr\u00e9dit<\/b><span style=\"font-weight: 400;\"> et votre <\/span><b>situation financi\u00e8re globale<br \/><br \/><\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Comme les crit\u00e8res de pr\u00eat varient entre les pr\u00eateurs traditionnels et alternatifs, la fa\u00e7on la plus pr\u00e9cise de conna\u00eetre votre <\/span><b>capacit\u00e9 d\u2019emprunt<\/b><span style=\"font-weight: 400;\"> est de compl\u00e9ter une demande afin que votre <\/span><b>propri\u00e9t\u00e9 et votre \u00e9quit\u00e9 puissent \u00eatre \u00e9valu\u00e9es<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1021\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1021\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je utiliser une deuxi\u00e8me hypoth\u00e8que pour consolider des dettes? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1021\" class=\"elementor-element elementor-element-4467f0a1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"4467f0a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16c02026 elementor-widget elementor-widget-text-editor\" data-id=\"16c02026\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui, une <\/span><b>deuxi\u00e8me hypoth\u00e8que<\/b><span style=\"font-weight: 400;\"> peut \u00eatre utilis\u00e9e pour <\/span><b>consolider des dettes \u00e0 taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9<\/b><span style=\"font-weight: 400;\"> en utilisant l\u2019\u00e9quit\u00e9 de votre maison.<\/span><\/p><p><span style=\"font-weight: 400;\">Avec une deuxi\u00e8me hypoth\u00e8que, vous empruntez sur votre <\/span><b>\u00e9quit\u00e9 immobili\u00e8re disponible<\/b><span style=\"font-weight: 400;\"> et utilisez les fonds pour rembourser des dettes existantes, telles que :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les <\/span><b>cartes de cr\u00e9dit<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les <\/span><b>pr\u00eats non garantis<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u2019autres <\/span><b><b>soldes impay\u00e9s<\/b><\/b><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Cela vous permet de <\/span><b>regrouper plusieurs paiements en un seul paiement hypoth\u00e9caire structur\u00e9<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">La pertinence de cette option d\u00e9pend de votre <\/span><b>\u00e9quit\u00e9 disponible<\/b><span style=\"font-weight: 400;\">, des <\/span><b>modalit\u00e9s de votre hypoth\u00e8que actuelle<\/b><span style=\"font-weight: 400;\"> et de votre <\/span><b>situation financi\u00e8re globale<\/b><span style=\"font-weight: 400;\">. Notre \u00e9quipe peut examiner votre situation et d\u00e9terminer si une <\/span><b>deuxi\u00e8me hypoth\u00e8que pour consolidation de dettes<\/b><span style=\"font-weight: 400;\"> pourrait \u00eatre appropri\u00e9e.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous souhaitez explorer vos options, vous pouvez <\/span><b>commencer votre <a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/mortgage?_gl=1*1got9yt*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyOTczMzkkbzg3JGcxJHQxNzc0Mjk3MzQ4JGo1MSRsMCRoMA..\"><span style=\"text-decoration: underline;\">demande d\u2019hypoth\u00e8que ici<\/span><\/a><\/b><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Combien puis-je emprunter sur l\\u2019\\u00e9quit\\u00e9 de ma maison?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le montant que vous pouvez emprunter d\\u00e9pend de la valeur marchande actuelle de votre maison et du solde restant sur votre hypoth\\u00e8que existante.L\\u2019\\u00e9quit\\u00e9 immobili\\u00e8re se calcule comme suit :Valeur actuelle de la propri\\u00e9t\\u00e9 \\u2013 solde de l\\u2019hypoth\\u00e8queLes pr\\u00eateurs \\u00e9valuent g\\u00e9n\\u00e9ralement le ratio pr\\u00eat-valeur (RPV ou LTV), qui repr\\u00e9sente le pourcentage de la valeur de votre maison financ\\u00e9 apr\\u00e8s l\\u2019ajout du nouveau pr\\u00eat. Plusieurs pr\\u00eateurs permettent un refinancement jusqu\\u2019\\u00e0 80 % du ratio pr\\u00eat-valeur, mais cette limite peut varier selon le cr\\u00e9dit, l\\u2019emplacement, le type de propri\\u00e9t\\u00e9 et le pr\\u00eateur.Le montant maximal disponible d\\u00e9pendra de plusieurs facteurs, notamment :La valeur de la propri\\u00e9t\\u00e9Le solde de votre hypoth\\u00e8que actuelleLe type de produit hypoth\\u00e9caire (refinancement, deuxi\\u00e8me hypoth\\u00e8que ou hypoth\\u00e8que priv\\u00e9e)Votre profil de cr\\u00e9dit et votre situation financi\\u00e8re globaleComme les crit\\u00e8res de pr\\u00eat varient entre les pr\\u00eateurs traditionnels et alternatifs, la fa\\u00e7on la plus pr\\u00e9cise de conna\\u00eetre votre capacit\\u00e9 d\\u2019emprunt est de compl\\u00e9ter une demande afin que votre propri\\u00e9t\\u00e9 et votre \\u00e9quit\\u00e9 puissent \\u00eatre \\u00e9valu\\u00e9es.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je utiliser une deuxi\\u00e8me hypoth\\u00e8que pour consolider des dettes?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, une deuxi\\u00e8me hypoth\\u00e8que peut \\u00eatre utilis\\u00e9e pour consolider des dettes \\u00e0 taux d\\u2019int\\u00e9r\\u00eat \\u00e9lev\\u00e9 en utilisant l\\u2019\\u00e9quit\\u00e9 de votre maison.Avec une deuxi\\u00e8me hypoth\\u00e8que, vous empruntez sur votre \\u00e9quit\\u00e9 immobili\\u00e8re disponible et utilisez les fonds pour rembourser des dettes existantes, telles que :Les cartes de cr\\u00e9ditLes pr\\u00eats non garantisD\\u2019autres soldes impay\\u00e9s\\u00a0Cela vous permet de regrouper plusieurs paiements en un seul paiement hypoth\\u00e9caire structur\\u00e9.La pertinence de cette option d\\u00e9pend de votre \\u00e9quit\\u00e9 disponible, des modalit\\u00e9s de votre hypoth\\u00e8que actuelle et de votre situation financi\\u00e8re globale. Notre \\u00e9quipe peut examiner votre situation et d\\u00e9terminer si une deuxi\\u00e8me hypoth\\u00e8que pour consolidation de dettes pourrait \\u00eatre appropri\\u00e9e.Si vous souhaitez explorer vos options, vous pouvez commencer votre demande d\\u2019hypoth\\u00e8que ici.\"}}]}<\/script>\n\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<div class=\"elementor-element elementor-element-6e226ed9 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"6e226ed9\" 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-4a2a34fa e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"4a2a34fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2520789a elementor-widget elementor-widget-heading\" data-id=\"2520789a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Faire une demande avec un mauvais cr\u00e9dit<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-458e9e73 elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"458e9e73\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1160\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1160\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je \u00eatre admissible \u00e0 une hypoth\u00e8que avec un mauvais cr\u00e9dit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1160\" class=\"elementor-element elementor-element-39e57ef5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"39e57ef5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9f265a elementor-widget elementor-widget-text-editor\" data-id=\"c9f265a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui, il peut \u00eatre possible d\u2019obtenir une <\/span><b>hypoth\u00e8que m\u00eame si votre cr\u00e9dit est moins favorable<\/b><span style=\"font-weight: 400;\">, si vous avez v\u00e9cu une <\/span><b>faillite<\/b><span style=\"font-weight: 400;\"> ou pr\u00e9sent\u00e9 une <\/span><b>proposition de consommateur<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Spring Mortgage Group se sp\u00e9cialise dans les <\/span><b>solutions hypoth\u00e9caires bas\u00e9es sur l\u2019\u00e9quit\u00e9<\/b><span style=\"font-weight: 400;\">, ce qui signifie que l\u2019approbation repose souvent davantage sur la <\/span><b>valeur de votre propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> et votre <\/span><b>\u00e9quit\u00e9 immobili\u00e8re disponible<\/b><span style=\"font-weight: 400;\">, plut\u00f4t que uniquement sur votre cote de cr\u00e9dit.<\/span><\/p><p><span style=\"font-weight: 400;\">L\u2019admissibilit\u00e9 d\u00e9pend de plusieurs facteurs, notamment :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La <\/span><b>valeur de la propri\u00e9t\u00e9<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L\u2019<\/span><b>\u00e9quit\u00e9 disponible dans votre maison<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La <\/span><b>stabilit\u00e9 de vos revenus<\/b><b><br \/><\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Votre <\/span><b>profil financier global<\/b><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Dans certaines situations, des <\/span><b>solutions de financement alternatives ou priv\u00e9es<\/b><span style=\"font-weight: 400;\"> peuvent \u00eatre disponibles lorsque les banques traditionnelles ne sont pas une option.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous n\u2019\u00eates pas certain de votre admissibilit\u00e9, la meilleure fa\u00e7on de le savoir est de <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/mortgage?_gl=1*1got9yt*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyOTczMzkkbzg3JGcxJHQxNzc0Mjk3MzQ4JGo1MSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>commencer une demande ici<\/b><\/span><\/a><span style=\"font-weight: 400;\"> afin que nous puissions examiner votre situation sp\u00e9cifique.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1161\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1161\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Puis-je refinancer mon hypoth\u00e8que avec un mauvais cr\u00e9dit? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1161\" class=\"elementor-element elementor-element-213cc5c1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"213cc5c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1de1b276 elementor-widget elementor-widget-text-editor\" data-id=\"1de1b276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Cela peut \u00eatre possible, selon votre <\/span><b>\u00e9quit\u00e9 immobili\u00e8re<\/b><span style=\"font-weight: 400;\"> et votre <\/span><b>situation financi\u00e8re globale<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Alors que les banques traditionnelles accordent souvent une grande importance \u00e0 la <\/span><b>cote de cr\u00e9dit<\/b><span style=\"font-weight: 400;\"> et \u00e0 la <\/span><b>v\u00e9rification des revenus<\/b><span style=\"font-weight: 400;\">, certaines options de refinancement mettent davantage l\u2019accent sur la <\/span><b>valeur de votre propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> et l\u2019<\/span><b>\u00e9quit\u00e9 disponible<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous avez accumul\u00e9 de l\u2019\u00e9quit\u00e9 dans votre maison, vous pourriez avoir acc\u00e8s \u00e0 des <\/span><b>solutions de refinancement hypoth\u00e9caire<\/b><span style=\"font-weight: 400;\">, m\u00eame si votre profil de cr\u00e9dit a chang\u00e9 en raison de paiements manqu\u00e9s, d\u2019une interruption de revenus ou de difficult\u00e9s financi\u00e8res pass\u00e9es.<\/span><\/p><p><span style=\"font-weight: 400;\">Le refinancement hypoth\u00e9caire peut notamment \u00eatre utilis\u00e9 pour :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consolider des dettes \u00e0 taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Acc\u00e9der \u00e0 des fonds pour des r\u00e9novations ou d\u2019autres d\u00e9penses<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b><b>Restructurer vos paiements hypoth\u00e9caires existants<\/b><\/b><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">L\u2019approbation, les taux et les modalit\u00e9s d\u00e9pendront de facteurs tels que :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La <\/span><b>valeur de la propri\u00e9t\u00e9<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le <\/span><b>ratio pr\u00eat-valeur (RPV \/ LTV)<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La <\/span><b>stabilit\u00e9 des revenus<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le <\/span><b><b>profil de risque global<\/b><\/b><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Une analyse de votre situation sp\u00e9cifique est n\u00e9cessaire pour d\u00e9terminer les options qui pourraient \u00eatre disponibles. Si vous souhaitez explorer vos options de refinancement, vous pouvez <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/mortgage?_gl=1*1got9yt*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyOTczMzkkbzg3JGcxJHQxNzc0Mjk3MzQ4JGo1MSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>commencer votre demande d\u2019hypoth\u00e8que en ligne ici<\/b><span style=\"font-weight: 400;\">.<\/span><\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1162\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1162\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Ai-je besoin d\u2019une preuve de revenu traditionnelle pour une hypoth\u00e8que priv\u00e9e? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1162\" class=\"elementor-element elementor-element-54a54fdf e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"54a54fdf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e005237 elementor-widget elementor-widget-text-editor\" data-id=\"2e005237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pas n\u00e9cessairement. L\u2019approbation d\u2019une <\/span><b>hypoth\u00e8que priv\u00e9e<\/b><span style=\"font-weight: 400;\"> repose souvent davantage sur l\u2019<\/span><b>\u00e9quit\u00e9 disponible dans votre maison<\/b><span style=\"font-weight: 400;\"> que sur la documentation de revenu traditionnelle.<\/span><\/p><p><span style=\"font-weight: 400;\">Bien que les pr\u00eateurs \u00e9valuent toujours votre capacit\u00e9 \u00e0 effectuer les paiements, les solutions hypoth\u00e9caires priv\u00e9es peuvent offrir <\/span><b>plus de flexibilit\u00e9<\/b><span style=\"font-weight: 400;\"> aux personnes qui :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sont <\/span><b>travailleurs autonomes<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ont des <\/span><b>sources de revenus non traditionnelles<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ont de la difficult\u00e9 \u00e0 se qualifier aupr\u00e8s des banques conventionnelles<\/span><\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Les exigences varient selon votre <\/span><b>situation personnelle<\/b><span style=\"font-weight: 400;\">, la <\/span><b>valeur de votre propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> et votre <\/span><b>profil financier global<\/b><span style=\"font-weight: 400;\">. La meilleure fa\u00e7on de d\u00e9terminer quels documents seront n\u00e9cessaires est de <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/mortgage?_gl=1*1got9yt*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyOTczMzkkbzg3JGcxJHQxNzc0Mjk3MzQ4JGo1MSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>commencer votre demande d\u2019hypoth\u00e8que ici<\/b><\/span><\/a><span style=\"font-weight: 400;\"> afin que notre \u00e9quipe puisse examiner votre dossier.<\/span><\/p><p><span style=\"font-weight: 400;\">Les services hypoth\u00e9caires sont offerts aux <\/span><b>propri\u00e9taires admissibles en Ontario, en Colombie-Britannique et en Alberta<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Puis-je \\u00eatre admissible \\u00e0 une hypoth\\u00e8que avec un mauvais cr\\u00e9dit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, il peut \\u00eatre possible d\\u2019obtenir une hypoth\\u00e8que m\\u00eame si votre cr\\u00e9dit est moins favorable, si vous avez v\\u00e9cu une faillite ou pr\\u00e9sent\\u00e9 une proposition de consommateur.Spring Mortgage Group se sp\\u00e9cialise dans les solutions hypoth\\u00e9caires bas\\u00e9es sur l\\u2019\\u00e9quit\\u00e9, ce qui signifie que l\\u2019approbation repose souvent davantage sur la valeur de votre propri\\u00e9t\\u00e9 et votre \\u00e9quit\\u00e9 immobili\\u00e8re disponible, plut\\u00f4t que uniquement sur votre cote de cr\\u00e9dit.L\\u2019admissibilit\\u00e9 d\\u00e9pend de plusieurs facteurs, notamment :La valeur de la propri\\u00e9t\\u00e9L\\u2019\\u00e9quit\\u00e9 disponible dans votre maisonLa stabilit\\u00e9 de vos revenusVotre profil financier global\\u00a0Dans certaines situations, des solutions de financement alternatives ou priv\\u00e9es peuvent \\u00eatre disponibles lorsque les banques traditionnelles ne sont pas une option.Si vous n\\u2019\\u00eates pas certain de votre admissibilit\\u00e9, la meilleure fa\\u00e7on de le savoir est de commencer une demande ici afin que nous puissions examiner votre situation sp\\u00e9cifique.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je refinancer mon hypoth\\u00e8que avec un mauvais cr\\u00e9dit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cela peut \\u00eatre possible, selon votre \\u00e9quit\\u00e9 immobili\\u00e8re et votre situation financi\\u00e8re globale.Alors que les banques traditionnelles accordent souvent une grande importance \\u00e0 la cote de cr\\u00e9dit et \\u00e0 la v\\u00e9rification des revenus, certaines options de refinancement mettent davantage l\\u2019accent sur la valeur de votre propri\\u00e9t\\u00e9 et l\\u2019\\u00e9quit\\u00e9 disponible.Si vous avez accumul\\u00e9 de l\\u2019\\u00e9quit\\u00e9 dans votre maison, vous pourriez avoir acc\\u00e8s \\u00e0 des solutions de refinancement hypoth\\u00e9caire, m\\u00eame si votre profil de cr\\u00e9dit a chang\\u00e9 en raison de paiements manqu\\u00e9s, d\\u2019une interruption de revenus ou de difficult\\u00e9s financi\\u00e8res pass\\u00e9es.Le refinancement hypoth\\u00e9caire peut notamment \\u00eatre utilis\\u00e9 pour :Consolider des dettes \\u00e0 taux d\\u2019int\\u00e9r\\u00eat \\u00e9lev\\u00e9Acc\\u00e9der \\u00e0 des fonds pour des r\\u00e9novations ou d\\u2019autres d\\u00e9pensesRestructurer vos paiements hypoth\\u00e9caires existants\\u00a0L\\u2019approbation, les taux et les modalit\\u00e9s d\\u00e9pendront de facteurs tels que :La valeur de la propri\\u00e9t\\u00e9Le ratio pr\\u00eat-valeur (RPV \\\/ LTV)La stabilit\\u00e9 des revenusLe profil de risque global\\u00a0Une analyse de votre situation sp\\u00e9cifique est n\\u00e9cessaire pour d\\u00e9terminer les options qui pourraient \\u00eatre disponibles. Si vous souhaitez explorer vos options de refinancement, vous pouvez commencer votre demande d\\u2019hypoth\\u00e8que en ligne ici.\"}},{\"@type\":\"Question\",\"name\":\"Ai-je besoin d\\u2019une preuve de revenu traditionnelle pour une hypoth\\u00e8que priv\\u00e9e?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pas n\\u00e9cessairement. L\\u2019approbation d\\u2019une hypoth\\u00e8que priv\\u00e9e repose souvent davantage sur l\\u2019\\u00e9quit\\u00e9 disponible dans votre maison que sur la documentation de revenu traditionnelle.Bien que les pr\\u00eateurs \\u00e9valuent toujours votre capacit\\u00e9 \\u00e0 effectuer les paiements, les solutions hypoth\\u00e9caires priv\\u00e9es peuvent offrir plus de flexibilit\\u00e9 aux personnes qui :Sont travailleurs autonomesOnt des sources de revenus non traditionnellesOnt de la difficult\\u00e9 \\u00e0 se qualifier aupr\\u00e8s des banques conventionnelles\\u00a0Les exigences varient selon votre situation personnelle, la valeur de votre propri\\u00e9t\\u00e9 et votre profil financier global. La meilleure fa\\u00e7on de d\\u00e9terminer quels documents seront n\\u00e9cessaires est de commencer votre demande d\\u2019hypoth\\u00e8que ici afin que notre \\u00e9quipe puisse examiner votre dossier.Les services hypoth\\u00e9caires sont offerts aux propri\\u00e9taires admissibles en Ontario, en Colombie-Britannique et en Alberta.\"}}]}<\/script>\n\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<div class=\"elementor-element elementor-element-7896676f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"7896676f\" 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-284122ae e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"284122ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-325f7ff6 elementor-widget elementor-widget-heading\" data-id=\"325f7ff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le processus de demande et d\u2019approbation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98cee06 elementor-widget__width-inherit elementor-widget elementor-widget-n-accordion\" data-id=\"98cee06\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:200,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1600\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1600\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Comment fonctionne le processus hypoth\u00e9caire? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1600\" class=\"elementor-element elementor-element-18bbc650 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"18bbc650\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6eef9252 elementor-widget elementor-widget-text-editor\" data-id=\"6eef9252\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Spring Mortgage Group offre des <\/span><b>solutions de financement hypoth\u00e9caire bas\u00e9es sur l\u2019\u00e9quit\u00e9<\/b><span style=\"font-weight: 400;\"> aux propri\u00e9taires admissibles en <\/span><b>Ontario, en Colombie-Britannique et en Alberta<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Nous proposons des solutions telles que :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Premi\u00e8res hypoth\u00e8ques<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deuxi\u00e8mes hypoth\u00e8ques<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Refinancement hypoth\u00e9caire<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pr\u00eats sur valeur domiciliaire<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Marges de cr\u00e9dit hypoth\u00e9caires (HELOC)<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">La solution la plus appropri\u00e9e d\u00e9pend de la <\/span><b>valeur de votre propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\">, de l\u2019<\/span><b>\u00e9quit\u00e9 disponible<\/b><span style=\"font-weight: 400;\"> et de votre <\/span><b>situation financi\u00e8re globale<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Le processus commence par une <\/span><b>consultation<\/b><span style=\"font-weight: 400;\"> afin de revoir vos objectifs et les d\u00e9tails de votre propri\u00e9t\u00e9. La majorit\u00e9 du processus de demande et de documentation peut \u00eatre compl\u00e9t\u00e9e <\/span><b>en ligne<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Une fois qu\u2019une option appropri\u00e9e est identifi\u00e9e, votre dossier est soumis \u00e0 nos <\/span><b>partenaires pr\u00eateurs<\/b><span style=\"font-weight: 400;\"> pour \u00e9valuation.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous acceptez les modalit\u00e9s propos\u00e9es, nous coordonnons <\/span><b>l\u2019approbation finale et le financement<\/b><span style=\"font-weight: 400;\">. Selon la province et les exigences sp\u00e9cifiques de la transaction, certaines \u00e9tapes peuvent n\u00e9cessiter des <\/span><b>v\u00e9rifications suppl\u00e9mentaires ou des formalit\u00e9s juridiques<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Si vous \u00eates pr\u00eat \u00e0 explorer vos options, vous pouvez <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/mortgage?_gl=1*1got9yt*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyOTczMzkkbzg3JGcxJHQxNzc0Mjk3MzQ4JGo1MSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>commencer votre demande en ligne ici<\/b><span style=\"font-weight: 400;\">.<\/span><\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1601\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1601\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Dans quelles provinces offrez-vous des hypoth\u00e8ques? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1601\" class=\"elementor-element elementor-element-73d3e5c5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"73d3e5c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67f40367 elementor-widget elementor-widget-text-editor\" data-id=\"67f40367\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Spring Financial offre des <\/span><b>services hypoth\u00e9caires et de pr\u00eats sur valeur domiciliaire<\/b><span style=\"font-weight: 400;\"> en <\/span><b>Ontario, en Colombie-Britannique et en Alberta<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Si votre propri\u00e9t\u00e9 est situ\u00e9e dans l\u2019une de ces provinces, vous pouvez <\/span><a href=\"https:\/\/app.springfinancial-mex.sf-stg.ca\/mortgage?_gl=1*1got9yt*_gcl_au*NjQ1NjU0MDk4LjE3NzI1Njg4NzU.*_ga*MTA4NTIwMTk0OS4xNzQ5ODQyMTE0*_ga_HPFKPP4K8S*czE3NzQyOTczMzkkbzg3JGcxJHQxNzc0Mjk3MzQ4JGo1MSRsMCRoMA..\"><span style=\"text-decoration: underline;\"><b>commencer votre demande d\u2019hypoth\u00e8que ici<\/b><\/span><\/a><span style=\"font-weight: 400;\"> afin d\u2019explorer les options disponibles.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1602\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1602\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Combien de temps prend le processus hypoth\u00e9caire? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1602\" class=\"elementor-element elementor-element-2ae021cc e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"2ae021cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-482b1c81 elementor-widget elementor-widget-text-editor\" data-id=\"482b1c81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le d\u00e9lai pour compl\u00e9ter une transaction hypoth\u00e9caire peut varier selon votre <\/span><b>situation personnelle<\/b><span style=\"font-weight: 400;\">, les <\/span><b>d\u00e9tails de la propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> et la rapidit\u00e9 avec laquelle les documents requis sont fournis.<\/span><\/p><p><span style=\"font-weight: 400;\">Dans la plupart des cas, les transactions hypoth\u00e9caires sont compl\u00e9t\u00e9es en <\/span><b>environ 3 \u00e0 5 semaines<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Les facteurs pouvant influencer le d\u00e9lai incluent :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La rapidit\u00e9 de <\/span><b>soumission des documents<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Le <\/span><b>type de propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> et les exigences d\u2019\u00e9valuation<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les d\u00e9lais de <\/span><b>souscription du pr\u00eateur<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La complexit\u00e9 de votre <\/span><b><b>profil financier<\/b><\/b><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">Dans certains cas simples, le financement peut \u00eatre obtenu plus rapidement. Votre <\/span><b>conseiller hypoth\u00e9caire<\/b><span style=\"font-weight: 400;\"> pourra vous fournir une estimation plus pr\u00e9cise selon votre dossier.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1603\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1603\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h5 class=\"e-n-accordion-item-title-text\"> Facturez-vous des frais de courtage hypoth\u00e9caire? <\/h5><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"2\" viewBox=\"0 0 16 2\" fill=\"none\"><path d=\"M15 0C15.5523 0 16 0.447715 16 1C16 1.55228 15.5523 2 15 2H1C0.447715 2 0 1.55228 0 1C0 0.447715 0.447715 0 1 0H15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M7 15V9H1C0.447715 9 0 8.55229 0 8C0 7.44772 0.447715 7 1 7H7V1C7 0.447715 7.44772 0 8 0C8.55229 0 9 0.447715 9 1V7H15C15.5523 7 16 7.44772 16 8C16 8.55229 15.5523 9 15 9H9V15C9 15.5523 8.55229 16 8 16C7.44772 16 7 15.5523 7 15Z\" fill=\"#7035FD\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1603\" class=\"elementor-element elementor-element-4c4284d8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"4c4284d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-672db2a7 elementor-widget elementor-widget-text-editor\" data-id=\"672db2a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Dans plusieurs transactions hypoth\u00e9caires, particuli\u00e8rement dans le cas de <\/span><b>financement alternatif ou non traditionnel<\/b><span style=\"font-weight: 400;\">, des <\/span><b>frais de courtage<\/b><span style=\"font-weight: 400;\"> peuvent s\u2019appliquer.<\/span><\/p><p><span style=\"font-weight: 400;\">Tout frais applicable sera <\/span><b>toujours clairement divulgu\u00e9 par \u00e9crit<\/b><span style=\"font-weight: 400;\"> avant la signature de tout document. Il n\u2019y a <\/span><b>aucuns frais de courtage \u00e0 payer \u00e0 l\u2019avance<\/b><span style=\"font-weight: 400;\">. Les frais sont seulement payables lorsque la transaction hypoth\u00e9caire est compl\u00e9t\u00e9e avec succ\u00e8s et sont g\u00e9n\u00e9ralement <\/span><b>d\u00e9duits directement du produit de l\u2019hypoth\u00e8que<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Notre \u00e9quipe examinera <\/span><b>tous les co\u00fbts avec vous \u00e0 l\u2019avance<\/b><span style=\"font-weight: 400;\"> afin que vous puissiez prendre une d\u00e9cision \u00e9clair\u00e9e.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Comment fonctionne le processus hypoth\\u00e9caire?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Spring Mortgage Group offre des solutions de financement hypoth\\u00e9caire bas\\u00e9es sur l\\u2019\\u00e9quit\\u00e9 aux propri\\u00e9taires admissibles en Ontario, en Colombie-Britannique et en Alberta.Nous proposons des solutions telles que :Premi\\u00e8res hypoth\\u00e8quesDeuxi\\u00e8mes hypoth\\u00e8quesRefinancement hypoth\\u00e9cairePr\\u00eats sur valeur domiciliaireMarges de cr\\u00e9dit hypoth\\u00e9caires (HELOC)La solution la plus appropri\\u00e9e d\\u00e9pend de la valeur de votre propri\\u00e9t\\u00e9, de l\\u2019\\u00e9quit\\u00e9 disponible et de votre situation financi\\u00e8re globale.Le processus commence par une consultation afin de revoir vos objectifs et les d\\u00e9tails de votre propri\\u00e9t\\u00e9. La majorit\\u00e9 du processus de demande et de documentation peut \\u00eatre compl\\u00e9t\\u00e9e en ligne.Une fois qu\\u2019une option appropri\\u00e9e est identifi\\u00e9e, votre dossier est soumis \\u00e0 nos partenaires pr\\u00eateurs pour \\u00e9valuation.Si vous acceptez les modalit\\u00e9s propos\\u00e9es, nous coordonnons l\\u2019approbation finale et le financement. Selon la province et les exigences sp\\u00e9cifiques de la transaction, certaines \\u00e9tapes peuvent n\\u00e9cessiter des v\\u00e9rifications suppl\\u00e9mentaires ou des formalit\\u00e9s juridiques.Si vous \\u00eates pr\\u00eat \\u00e0 explorer vos options, vous pouvez commencer votre demande en ligne ici.\"}},{\"@type\":\"Question\",\"name\":\"Dans quelles provinces offrez-vous des hypoth\\u00e8ques?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Spring Financial offre des services hypoth\\u00e9caires et de pr\\u00eats sur valeur domiciliaire en Ontario, en Colombie-Britannique et en Alberta.Si votre propri\\u00e9t\\u00e9 est situ\\u00e9e dans l\\u2019une de ces provinces, vous pouvez commencer votre demande d\\u2019hypoth\\u00e8que ici afin d\\u2019explorer les options disponibles.\"}},{\"@type\":\"Question\",\"name\":\"Combien de temps prend le processus hypoth\\u00e9caire?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le d\\u00e9lai pour compl\\u00e9ter une transaction hypoth\\u00e9caire peut varier selon votre situation personnelle, les d\\u00e9tails de la propri\\u00e9t\\u00e9 et la rapidit\\u00e9 avec laquelle les documents requis sont fournis.Dans la plupart des cas, les transactions hypoth\\u00e9caires sont compl\\u00e9t\\u00e9es en environ 3 \\u00e0 5 semaines.Les facteurs pouvant influencer le d\\u00e9lai incluent :La rapidit\\u00e9 de soumission des documentsLe type de propri\\u00e9t\\u00e9 et les exigences d\\u2019\\u00e9valuationLes d\\u00e9lais de souscription du pr\\u00eateurLa complexit\\u00e9 de votre profil financier\\u00a0Dans certains cas simples, le financement peut \\u00eatre obtenu plus rapidement. Votre conseiller hypoth\\u00e9caire pourra vous fournir une estimation plus pr\\u00e9cise selon votre dossier.\"}},{\"@type\":\"Question\",\"name\":\"Facturez-vous des frais de courtage hypoth\\u00e9caire?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dans plusieurs transactions hypoth\\u00e9caires, particuli\\u00e8rement dans le cas de financement alternatif ou non traditionnel, des frais de courtage peuvent s\\u2019appliquer.Tout frais applicable sera toujours clairement divulgu\\u00e9 par \\u00e9crit avant la signature de tout document. Il n\\u2019y a aucuns frais de courtage \\u00e0 payer \\u00e0 l\\u2019avance. Les frais sont seulement payables lorsque la transaction hypoth\\u00e9caire est compl\\u00e9t\\u00e9e avec succ\\u00e8s et sont g\\u00e9n\\u00e9ralement d\\u00e9duits directement du produit de l\\u2019hypoth\\u00e8que.Notre \\u00e9quipe examinera tous les co\\u00fbts avec vous \\u00e0 l\\u2019avance afin que vous puissiez prendre une d\\u00e9cision \\u00e9clair\\u00e9e.\"}}]}<\/script>\n\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<div class=\"elementor-element elementor-element-779c547a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"779c547a\" 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-1d9c870f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1d9c870f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-743d7875 e-grid e-con-full wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"743d7875\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-38ec8428 e-con-full pink-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"38ec8428\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44caa2d8 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"44caa2d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M28.5049 24.1855C28.5058 27.0027 26.22 29.5271 23.3975 29.8232L17.498 30.4443L17.4961 21.0449C17.4939 18.2276 19.7809 15.7034 22.6025 15.4062V15.4072L28.5029 14.7852L28.5049 24.1855ZM23 12.8477L22.3408 12.917C21.3324 13.0233 20.3574 13.3213 19.4443 13.8027C18.5759 14.2613 17.7986 14.8665 17.1328 15.6016C16.4659 16.339 15.9409 17.1734 15.5732 18.0811C15.1851 19.0385 14.9893 20.0381 14.9893 21.0508L14.9902 21.0518V25.1729L11.9941 25.4883L11.9922 16.0889C11.99 13.2716 14.277 10.7474 17.0986 10.4502L23 9.82812V12.8477Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45d905de elementor-widget elementor-widget-heading\" data-id=\"45d905de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pr\u00eat personnels<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fccdf70 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7fccdf70\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Empruntez de 500 $ \u00e0 35 000 $, d\u00e8s aujourd&rsquo;hui, avec des taux<br \/>\u00e0 partir de 9,99 %*.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d9bda83 elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1d9bda83\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial-mex.sf-stg.ca\/help-centre\/personal-loans\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56b680c4 e-con-full blue-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"56b680c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-325a4ca elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"325a4ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M26.9629 21.0371C26.9629 22.7737 26.2939 24.4694 25.0791 25.8115C23.9963 27.0084 22.5767 27.8101 21.0498 28.0947V28.1133L20.6855 28.1533C20.6272 28.1604 20.569 28.1678 20.5137 28.1738L20.0215 28.2246L18.2217 28.4199L18.2168 28.4268L18.2002 28.4297V19.4844C18.2002 18.5166 18.5572 17.5867 19.2051 16.8672C19.853 16.1477 20.7404 15.6956 21.7031 15.5947L24.1133 15.3418V13.0859L19.7119 13.5488C18.6806 13.6578 17.7036 14.1679 16.9619 14.9873C16.2232 15.8047 15.8154 16.8213 15.8154 17.8486V28.7051L12.9648 29.0088V17.8486C12.9648 16.1119 13.6337 14.4164 14.8486 13.0742C16.0616 11.7331 17.6834 10.8946 19.415 10.7129L19.4131 10.7119L26.9629 9.91797V21.0371ZM24.083 18.209L24.084 18.2178L22.001 18.4365C21.595 18.4796 21.2634 18.7445 21.123 19.1035C21.0782 19.2213 21.0537 19.3493 21.0537 19.4824V25.1572C21.3292 25.0674 21.5981 24.9481 21.8555 24.7998C22.2662 24.5637 22.6408 24.2598 22.9688 23.8975C23.7074 23.08 24.1152 22.0634 24.1152 21.0361V18.207L24.1162 18.2061L24.083 18.209Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22cff81e elementor-widget elementor-widget-heading\" data-id=\"22cff81e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">The Foundation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c0465a8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2c0465a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11d0b99 elementor-widget elementor-widget-heading\" data-id=\"11d0b99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">Boostez votre dossier de cr\u00e9dit avec un pr\u00eat garanti disponible&nbsp;<\/div><div class=\"elementor-element elementor-element-11d0b99 elementor-widget elementor-widget-heading\" data-id=\"11d0b99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\u00e0 la fin du programme*.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45caa58a elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"45caa58a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial-mex.sf-stg.ca\/fr\/help-centre\/the-foundation\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-139d1bd4 e-con-full gradient-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"139d1bd4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ef5592f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5ef5592f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><g clip-path=\"url(#clip0_5439_9494)\"><path d=\"M15.1123 2.71917C13.9596 3.70144 12.5265 4.29506 11.0169 4.41553C7.49406 4.69665 4.69665 7.49406 4.41553 11.0169C4.29506 12.5265 3.70144 13.9596 2.71917 15.1123C0.426944 17.8021 0.426944 21.7582 2.71917 24.448C3.70144 25.6006 4.29506 27.0338 4.41553 28.5434C4.69665 32.0662 7.49406 34.8636 11.0169 35.1447C12.5265 35.2652 13.9596 35.8588 15.1123 36.8411C17.8021 39.1333 21.7582 39.1333 24.448 36.8411C25.6006 35.8588 27.0338 35.2652 28.5434 35.1447C32.0662 34.8636 34.8636 32.0662 35.1447 28.5434C35.2652 27.0338 35.8588 25.6006 36.8411 24.448C39.1333 21.7582 39.1333 17.8021 36.8411 15.1123C35.8588 13.9596 35.2652 12.5265 35.1447 11.0169C34.8636 7.49406 32.0662 4.69665 28.5434 4.41553C27.0338 4.29506 25.6006 3.70144 24.448 2.71917C21.7582 0.426944 17.8021 0.426944 15.1123 2.71917Z\" fill=\"#3800A7\" stroke=\"#3800A7\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><mask id=\"mask0_5439_9494\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"13\" y=\"9\" width=\"15\" height=\"21\"><path d=\"M27.1689 9.99805H13V29.8705H27.1689V9.99805Z\" fill=\"white\"><\/path><\/mask><g mask=\"url(#mask0_5439_9494)\"><path d=\"M24.625 15.598L27.1712 15.3346V11.9648L24.625 15.598Z\" fill=\"white\"><\/path><path d=\"M19.7812 22.5068L27.1688 21.743V18.1309L22.5107 18.6123L19.7812 22.5068Z\" fill=\"white\"><\/path><path d=\"M14.625 29.8705L20.5984 29.2425C23.3212 28.9564 25.6574 27.0559 26.6559 24.5918L17.674 25.5202L14.625 29.8705Z\" fill=\"white\"><\/path><path d=\"M25.8462 9.99805L19.5753 10.657C15.9438 11.039 13 14.2919 13 17.9234V28.3269L25.8462 9.99805Z\" fill=\"white\"><\/path><\/g><\/g><defs><clipPath id=\"clip0_5439_9494\"><rect width=\"40\" height=\"40\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6394c312 elementor-widget elementor-widget-heading\" data-id=\"6394c312\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pr\u00eat Evergreen<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-478e3c8e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"478e3c8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Votre pr\u00eat garanti de 1 500 $ une fois le programme The Foundation compl\u00e9t\u00e9.*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f712e3c elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7f712e3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial-mex.sf-stg.ca\/fr\/faq-1\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3258796f e-con-full blue-border e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3258796f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29e5d715 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"29e5d715\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\"><path d=\"M15.0289 1.83084C13.8014 2.87691 12.2752 3.5091 10.6675 3.63739C6.91589 3.93677 3.93677 6.91589 3.63739 10.6675C3.5091 12.2752 2.87691 13.8014 1.83084 15.0289C-0.610279 17.8934 -0.610279 22.1066 1.83084 24.9711C2.87691 26.1986 3.5091 27.7248 3.63739 29.3325C3.93677 33.0841 6.91589 36.0632 10.6675 36.3626C12.2752 36.4909 13.8014 37.1231 15.0289 38.1692C17.8934 40.6103 22.1066 40.6103 24.9711 38.1692C26.1986 37.1231 27.7248 36.4909 29.3325 36.3626C33.0841 36.0632 36.0632 33.0841 36.3626 29.3325C36.4909 27.7248 37.1231 26.1986 38.1692 24.9711C40.6103 22.1066 40.6103 17.8934 38.1692 15.0289C37.1231 13.8014 36.4909 12.2752 36.3626 10.6675C36.0632 6.91589 33.0841 3.93677 29.3325 3.63739C27.7248 3.5091 26.1986 2.87691 24.9711 1.83084C22.1066 -0.610279 17.8934 -0.610279 15.0289 1.83084Z\" fill=\"#3800A7\"><\/path><path d=\"M16.123 30.1729L12.96 30.4912V24.3965L16.123 24.084V30.1729ZM27.7852 22.4121C27.7851 26.0491 24.7059 29.308 20.9062 29.6904L18.7002 29.9121V26.2998L20.8086 26.0537C23.0052 25.7962 24.6621 23.7784 24.6621 21.3613V18.9658L24.6631 18.9668L27.7852 18.6592V22.4121ZM22.085 21.3613C22.085 22.5149 21.3858 23.5 20.4941 23.6045L18.6973 23.8154V19.041L18.6992 19.04C18.6992 17.8798 19.4015 16.8948 20.2979 16.7959L22.085 16.5986V21.3613ZM27.7832 16.2637L24.6611 16.5713V13.833L20.0039 14.3457C17.7914 14.5901 16.123 16.6087 16.123 19.041V21.6875L12.96 22V18.3516C12.96 14.7145 16.0402 11.4547 19.8389 11.0723L27.7832 10.2734V16.2637Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d253e05 elementor-widget elementor-widget-heading\" data-id=\"6d253e05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ventes priv\u00e9es<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70ff1adf elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"70ff1adf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tout vendeur. Tout v\u00e9hicule. Tout dossier de cr\u00e9dit. Demandez de<br \/>3 500 $ \u00e0 75 000 $ en ligne<br \/>d\u00e8s aujourd\u2019hui.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71dba9db elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"71dba9db\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon elementor-animation-shrink\" href=\"https:\/\/springfinancial-mex.sf-stg.ca\/fr\/help-centre\/private-sales\/\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"42\" viewBox=\"0 0 43 42\" fill=\"none\"><path d=\"M21.666 29L29.666 21M29.666 21L21.666 13M29.666 21H13.666M41.666 21C41.666 32.0457 32.7117 41 21.666 41C10.6203 41 1.66602 32.0457 1.66602 21C1.66602 9.9543 10.6203 1 21.666 1C32.7117 1 41.666 9.9543 41.666 21Z\" stroke=\"#3800A7\" stroke-width=\"1.74545\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5dab42ac e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"5dab42ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2400eda3 elementor-widget elementor-widget-template\" data-id=\"2400eda3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"20526\" class=\"elementor elementor-20526\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8171e11 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"8171e11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bbd6f8d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"bbd6f8d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6f62e elementor-widget elementor-widget-image\" data-id=\"4b6f62e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/springfinancial-mex.sf-stg.ca\/wp-content\/uploads\/2025\/10\/Group-48861.svg\" class=\"attachment-large size-large wp-image-9946\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ad582f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"8ad582f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e705cc4 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e705cc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Vous m\u00e9ritez mieux en ce qui concerne : <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85c337d premium-atext__switch elementor-widget elementor-widget-premium-addon-fancy-text\" data-id=\"85c337d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"premium-addon-fancy-text.default\">\n\t\t\t\t\t\t\t<div class=\"premium-atext__wrapper premium-atext__slide \" data-start-effect=\"page_load\" data-settings=\"{&quot;effect&quot;:&quot;slide&quot;,&quot;speed&quot;:200,&quot;showItems&quot;:1,&quot;pause&quot;:3000,&quot;mousePause&quot;:false,&quot;loading&quot;:false,&quot;style&quot;:&quot;switch&quot;}\">\r\n\r\n\t\t\t<h3 class=\"premium-atext__headline\">\r\n\t\t\t\r\n\t\t\t\t\t\t<div class=\"premium-atext__text\" style='display: inline-block; text-align: center'>\r\n\t\t\t\t<ul class=\"premium-atext__items-wrapper\">\r\n\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tles taux\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tle service\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tle cr\u00e9dit\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tles offres\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tl'acc\u00e8s\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"premium-fancy-list-items premium-fancy-item-visible\">\r\n\t\t\t\t\t\t\tles avantages\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t\r\n\t\t\t<\/h3>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1709d8e elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"1709d8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:250}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>B\u00e2tissez un historique de paiement positif, \u00e9pargnez pour les impr\u00e9vus et obtenez une offre de pr\u00eat garantie \u00e0 la fin \u2013 le tout dans un seul programme.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-928c960 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"928c960\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7241bfe elementor-mobile-align-justify elementor-align-justify elementor-widget__width-initial elementor-widget-mobile__width-initial cta-btn elementor-widget elementor-widget-button\" data-id=\"7241bfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.springfinancial-mex.sf-stg.ca\/apply\/foundation\">\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\">Postulez<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t\t\t<\/div>\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FAQ Hypoth\u00e8ques Foire aux questions Vos finances sont importantes pour vous. Notre objectif est d\u2019offrir une transparence totale sur nos produits afin\u00a0 de vous aider \u00e0 choisir la solution qui vous convient le mieux. Hypoth\u00e8ques Comprendre vos options hypoth\u00e9caires Qu\u2019est-ce qu\u2019une hypoth\u00e8que bas\u00e9e sur l\u2019\u00e9quit\u00e9? Une hypoth\u00e8que bas\u00e9e sur l\u2019\u00e9quit\u00e9 est un type de financement immobilier o\u00f9 l\u2019approbation est principalement fond\u00e9e sur la valeur de votre propri\u00e9t\u00e9 et le montant d\u2019\u00e9quit\u00e9 disponible. L\u2019\u00e9quit\u00e9 immobili\u00e8re correspond \u00e0 la diff\u00e9rence entre la valeur marchande de votre maison et le montant qu\u2019il vous reste \u00e0 payer sur votre hypoth\u00e8que actuelle. Plus vous avez d\u2019\u00e9quit\u00e9, plus vous pourriez avoir acc\u00e8s \u00e0 diff\u00e9rentes options d\u2019emprunt. Contrairement aux hypoth\u00e8ques bancaires traditionnelles, qui mettent souvent l\u2019accent sur la v\u00e9rification des revenus et la cote de cr\u00e9dit, les hypoth\u00e8ques bas\u00e9es sur l\u2019\u00e9quit\u00e9 accordent davantage d\u2019importance \u00e0 la propri\u00e9t\u00e9 elle-m\u00eame comme garantie du pr\u00eat. Ce type de financement peut \u00eatre envisag\u00e9 par les propri\u00e9taires qui : Ont une \u00e9quit\u00e9 importante dans leur maison Ont connu des changements de revenus Ont des d\u00e9fis li\u00e9s au cr\u00e9dit Souhaitent acc\u00e9der \u00e0 des fonds par refinancement ou par une deuxi\u00e8me hypoth\u00e8que L\u2019approbation du pr\u00eat, les taux et les modalit\u00e9s d\u00e9pendent de la valeur de votre propri\u00e9t\u00e9, de votre \u00e9quit\u00e9 disponible et de votre profil financier global. Qu\u2019est-ce qu\u2019une deuxi\u00e8me hypoth\u00e8que? Une deuxi\u00e8me hypoth\u00e8que est un pr\u00eat garanti par votre maison en plus de votre hypoth\u00e8que principale (premi\u00e8re hypoth\u00e8que). Si vous avez d\u00e9j\u00e0 une hypoth\u00e8que sur votre propri\u00e9t\u00e9 et que vous souhaitez acc\u00e9der \u00e0 des fonds suppl\u00e9mentaires, une deuxi\u00e8me hypoth\u00e8que vous permet d\u2019emprunter sur l\u2019\u00e9quit\u00e9 accumul\u00e9e dans votre maison sans remplacer votre hypoth\u00e8que actuelle. Les deuxi\u00e8mes hypoth\u00e8ques sont souvent utilis\u00e9es pour : Consolider des dettes Financer des r\u00e9novations domiciliaires Couvrir des d\u00e9penses impr\u00e9vues Acc\u00e9der \u00e0 des liquidit\u00e9s sans refinancer la premi\u00e8re hypoth\u00e8que Comme elle est enregistr\u00e9e apr\u00e8s la premi\u00e8re hypoth\u00e8que, une deuxi\u00e8me hypoth\u00e8que comporte g\u00e9n\u00e9ralement des modalit\u00e9s diff\u00e9rentes de celles de votre hypoth\u00e8que principale. L\u2019approbation est g\u00e9n\u00e9ralement bas\u00e9e sur votre \u00e9quit\u00e9 immobili\u00e8re disponible, la valeur de la propri\u00e9t\u00e9 et votre profil financier global. Qu\u2019est-ce qu\u2019une hypoth\u00e8que priv\u00e9e? Une hypoth\u00e8que priv\u00e9e est un pr\u00eat immobilier offert par un investisseur priv\u00e9 ou une institution de pr\u00eat priv\u00e9e, plut\u00f4t que par une banque ou une caisse populaire traditionnelle. Les hypoth\u00e8ques priv\u00e9es sont g\u00e9n\u00e9ralement garanties par l\u2019\u00e9quit\u00e9 de votre maison et sont souvent envisag\u00e9es lorsque les crit\u00e8res de pr\u00eat traditionnels sont plus difficiles \u00e0 respecter. Au lieu de se concentrer principalement sur la v\u00e9rification des revenus ou sur des exigences strictes en mati\u00e8re de cr\u00e9dit, les pr\u00eateurs priv\u00e9s mettent g\u00e9n\u00e9ralement davantage l\u2019accent sur : La valeur de la propri\u00e9t\u00e9 L\u2019\u00e9quit\u00e9 disponible dans la maison La strat\u00e9gie de sortie (comment le pr\u00eat sera rembours\u00e9 ou refinanc\u00e9) Les hypoth\u00e8ques priv\u00e9es sont souvent utilis\u00e9es pour : Des besoins de financement \u00e0 court terme Une p\u00e9riode de transition entre deux transactions immobili\u00e8res La restructuration de dettes Des situations urgentes n\u00e9cessitant un financement rapide Les modalit\u00e9s et les taux varient selon la propri\u00e9t\u00e9 et le niveau de risque global. Les hypoth\u00e8ques priv\u00e9es sont souvent structur\u00e9es comme des solutions \u00e0 court terme, avec l\u2019objectif \u00e9ventuel de refinancer vers une hypoth\u00e8que traditionnelle lorsque cela devient possible. Quelle est la diff\u00e9rence entre un refinancement et une deuxi\u00e8me hypoth\u00e8que? Un refinancement hypoth\u00e9caire remplace votre hypoth\u00e8que existante par un nouveau pr\u00eat, tandis qu\u2019une deuxi\u00e8me hypoth\u00e8que est un pr\u00eat suppl\u00e9mentaire qui s\u2019ajoute \u00e0 votre hypoth\u00e8que actuelle. Avec un refinancement, votre hypoth\u00e8que actuelle est rembours\u00e9e et remplac\u00e9e par une nouvelle hypoth\u00e8que qui peut avoir des modalit\u00e9s diff\u00e9rentes, un taux d\u2019int\u00e9r\u00eat diff\u00e9rent ou un montant plus \u00e9lev\u00e9 si vous souhaitez acc\u00e9der \u00e0 l\u2019\u00e9quit\u00e9 de votre maison. Cela peut \u00eatre utile si vous voulez consolider des dettes, r\u00e9duire vos paiements ou acc\u00e9der \u00e0 l\u2019\u00e9quit\u00e9 immobili\u00e8re. Une deuxi\u00e8me hypoth\u00e8que, quant \u00e0 elle, vous permet d\u2019emprunter sur l\u2019\u00e9quit\u00e9 de votre maison sans modifier votre hypoth\u00e8que principale. Elle s\u2019ajoute \u00e0 votre hypoth\u00e8que actuelle et poss\u00e8de g\u00e9n\u00e9ralement ses propres modalit\u00e9s et structure de remboursement. La solution la plus appropri\u00e9e d\u00e9pend de votre \u00e9quit\u00e9 disponible, des modalit\u00e9s de votre hypoth\u00e8que actuelle et de vos objectifs financiers. Si vous souhaitez explorer l\u2019option qui pourrait vous convenir, vous pouvez commencer votre demande d\u2019hypoth\u00e8que ici. Quels taux hypoth\u00e9caires offrez-vous? Les taux hypoth\u00e9caires varient selon votre situation personnelle et les conditions actuelles du march\u00e9. En tant que courtage hypoth\u00e9caire, Spring Mortgage Group travaille avec un r\u00e9seau de banques, pr\u00eateurs et partenaires institutionnels afin de trouver des options de taux comp\u00e9titifs adapt\u00e9es \u00e0 votre propri\u00e9t\u00e9, votre \u00e9quit\u00e9 et votre profil financier global. Les taux sont influenc\u00e9s par plusieurs facteurs, notamment : La valeur de la propri\u00e9t\u00e9 et l\u2019\u00e9quit\u00e9 disponible Votre profil de cr\u00e9dit Vos revenus et dettes existantes Le type de pr\u00eat et la dur\u00e9e Les conditions du march\u00e9, y compris les changements du taux directeur de la Banque du Canada \u00a0 Comme les taux changent fr\u00e9quemment, la meilleure fa\u00e7on de conna\u00eetre les options qui pourraient \u00eatre disponibles pour vous est de commencer votre demande d\u2019hypoth\u00e8que ici afin d\u2019obtenir une soumission personnalis\u00e9e. Les services hypoth\u00e9caires sont offerts aux propri\u00e9taires admissibles en Ontario, en Colombie-Britannique et en Alberta. Une hypoth\u00e8que bas\u00e9e sur l\u2019\u00e9quit\u00e9 est un type de financement immobilier o\u00f9 l\u2019approbation est principalement fond\u00e9e sur la valeur de votre propri\u00e9t\u00e9 et le montant d\u2019\u00e9quit\u00e9 disponible. L\u2019\u00e9quit\u00e9 immobili\u00e8re correspond \u00e0 la diff\u00e9rence entre la valeur marchande de votre maison et le montant qu\u2019il vous reste \u00e0 payer sur votre hypoth\u00e8que actuelle. Plus vous avez d\u2019\u00e9quit\u00e9, plus vous pourriez avoir acc\u00e8s \u00e0 diff\u00e9rentes options d\u2019emprunt. Contrairement aux hypoth\u00e8ques bancaires traditionnelles, qui mettent souvent l\u2019accent sur la v\u00e9rification des revenus et la cote de cr\u00e9dit, les hypoth\u00e8ques bas\u00e9es sur l\u2019\u00e9quit\u00e9 accordent davantage d\u2019importance \u00e0 la propri\u00e9t\u00e9 elle-m\u00eame comme garantie du pr\u00eat. Ce type de financement peut \u00eatre envisag\u00e9 par les propri\u00e9taires qui : Ont une \u00e9quit\u00e9 importante dans leur maison Ont connu des changements de revenus Ont des d\u00e9fis li\u00e9s au cr\u00e9dit Souhaitent acc\u00e9der \u00e0 des fonds par refinancement ou par une deuxi\u00e8me hypoth\u00e8que L\u2019approbation du pr\u00eat, les taux et les modalit\u00e9s d\u00e9pendent de la valeur de votre propri\u00e9t\u00e9, de votre \u00e9quit\u00e9 disponible et de<\/p>\n","protected":false},"author":12,"featured_media":0,"parent":20360,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-26103","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgages Help Centre | FAQs &amp; Resources<\/title>\n<meta name=\"description\" content=\"Financing your home can be a huge decision. 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