{"id":836,"date":"2024-10-22T09:00:23","date_gmt":"2024-10-22T13:00:23","guid":{"rendered":"https:\/\/edwix.com\/?post_type=blog&p=836"},"modified":"2025-07-10T14:13:54","modified_gmt":"2025-07-10T18:13:54","slug":"comprendre-les-types-de-prets-hypothecaires-au-canada","status":"publish","type":"blog","link":"https:\/\/edwix.com\/fr\/blog\/understanding-types-of-home-mortgages-in-canada-which-loan-is-right-for-you\/","title":{"rendered":"Comprendre les types de pr\u00eats hypoth\u00e9caires au Canada : Quel pr\u00eat vous convient le mieux?"},"content":{"rendered":"
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Navigating the mortgage process in Canada can feel daunting, especially with so many different options to choose from. Whether you’re a first-time homebuyer or looking to refinance, understanding the types of home mortgages available is essential to making the best financial decision. This guide breaks down the most common options, including fixed vs. variable mortgages and open vs. closed mortgages, helping you decide which one is the best fit for your situation.<\/p>

Pr\u00eats hypoth\u00e9caires conventionnels<\/strong><\/h2>

A conventional mortgage is a popular choice for Canadians who can afford a down payment of at least 20%. This type of loan doesn’t require mortgage insurance, which can significantly reduce your long-term costs. However, qualifying for a conventional mortgage is often more difficult since you’ll need strong credit and a stable income. For conventional mortgages just as with other types of mortgage loans, there is a choice to make between fixed vs. variable mortgage rates, depending on your comfort with potential market fluctuations.<\/p>

Qu'est-ce qu'un pr\u00eat hypoth\u00e9caire \u00e0 ratio \u00e9lev\u00e9?<\/strong><\/h3>

If your down payment is less than 20%, you’re likely applying for a high-ratio mortgage. With this type of home loan, you’ll need to purchase mortgage insurance, which protects the lender in case you default on payments. While this adds to your monthly costs, it’s often the only way for many first-time homebuyers to enter the housing market. The insurance premium can either be paid upfront or added to your mortgage, spreading out the expense over time.<\/p>

Pr\u00eats hypoth\u00e9caires ouverts et ferm\u00e9s<\/strong><\/h3>

When comparing open vs. closed mortgages, it\u2019s important to consider your financial flexibility and which type of mortgage interest is most compatible.. An open mortgage allows you to make extra payments or pay off your loan entirely without incurring penalties. While this offers greater flexibility, open mortgages generally come with higher rates. On the other hand, a closed mortgage locks you into a lower rate but imposes penalties if you pay off the loan early. For most Canadians who don\u2019t plan to make additional payments, a closed mortgage offers more predictable and affordable payments.<\/p>

Pr\u00eats hypoth\u00e9caires \u00e0 taux fixe et \u00e0 taux variable<\/strong><\/h4>

Choosing between a fixed vs. variable mortgage is one of the most important decisions you’ll make. A fixed-rate mortgage guarantees a consistent interest rate for the entire term, making budgeting easier since your payments won\u2019t change. In contrast, a variable-rate mortgage starts with a lower rate but will fluctuate with the market. While you may save money initially with a variable rate, you should be prepared for the possibility of rate increases over time.<\/p>

Aide gouvernementale et programmes pour les premiers-acc\u00e9dants<\/strong><\/h5>

Les premiers-acc\u00e9dants au Canada ont acc\u00e8s \u00e0 plusieurs programmes qui peuvent rendre l'achat d'une maison plus abordable. Le R\u00e9gime d'Accession \u00e0 la Propri\u00e9t\u00e9<\/a> (RAP) vous permet de retirer jusqu'\u00e0 60,000$ de votre REER pour effectuer votre versement initial. Vous pouvez \u00e9galement ouvrir un Compte d'\u00e9pargne libre d'imp\u00f4t pour l'achat d'une premi\u00e8re propri\u00e9t\u00e9<\/a> (CELIAPP) afin d'\u00e9pargner sp\u00e9cifiquement pour l'achat de votre logement. De plus, si vous souhaitez effectuer un achat ou une r\u00e9novation de maison \u00e9co\u00e9nerg\u00e9tique, la Soci\u00e9t\u00e9 Canadienne d'Hypoth\u00e8ques et de Logement (SCHL) offre des remises dans le cadre de son programme Eco Plus<\/a>.<\/p>

Understanding what the different types of home mortgages are, such as high-ratio mortgages and open vs. closed mortgages, will help you make a more informed decision. When you\u2019re ready to choose between a fixed vs. variable mortgage, it’s important to consider your financial situation and long-term goals. Be sure to consult a mortgage professional to guide you through the process and find the best loan for your needs.<\/p>\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>","protected":false},"excerpt":{"rendered":"

D\u00e9couvrez les types de pr\u00eat hypoth\u00e9caires: taux fixes, variables, hypoth\u00e8ques ouvertes, ferm\u00e9es, et \u00e0 ratio \u00e9lev\u00e9. Commencez votre aventure hypoth\u00e9caire!<\/p>","protected":false},"author":8,"featured_media":1747,"template":"elementor_theme","meta":{"_acf_changed":false},"categories":[28],"tags":[],"class_list":["post-836","blog","type-blog","status-publish","has-post-thumbnail","hentry","category-tips-tricks"],"acf":[],"_links":{"self":[{"href":"https:\/\/edwix.com\/fr\/wp-json\/wp\/v2\/blog\/836","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edwix.com\/fr\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/edwix.com\/fr\/wp-json\/wp\/v2\/types\/blog"}],"author":[{"embeddable":true,"href":"https:\/\/edwix.com\/fr\/wp-json\/wp\/v2\/users\/8"}],"version-history":[{"count":0,"href":"https:\/\/edwix.com\/fr\/wp-json\/wp\/v2\/blog\/836\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edwix.com\/fr\/wp-json\/wp\/v2\/media\/1747"}],"wp:attachment":[{"href":"https:\/\/edwix.com\/fr\/wp-json\/wp\/v2\/media?parent=836"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edwix.com\/fr\/wp-json\/wp\/v2\/categories?post=836"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edwix.com\/fr\/wp-json\/wp\/v2\/tags?post=836"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}