{"id":210645,"date":"2021-04-15T20:00:00","date_gmt":"2021-04-16T00:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/penalty-obreaking-mortgage-canada\/"},"modified":"2024-05-31T13:17:47","modified_gmt":"2024-05-31T17:17:47","slug":"mandatory-penalties-mortgages-canada","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/mortgages\/mandatory-penalties-mortgages-canada\/","title":{"rendered":"What is the penalty for breaking a mortgage in Canada?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]Plusieurs propri\u00e9taires au Canada se sont r\u00e9cemment tourn\u00e9s vers le refinancement de leur <a target=\"_blank\" href=\"\/?p=132804\">pr\u00eat hypoth\u00e9caire<\/a> ou la vente de leur propri\u00e9t\u00e9. Tout cela est d\u00fb aux taux hypoth\u00e9caires qui ont atteint des niveaux records.<\/p>\n<p>Malheureusement, la <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/break-mortgage-contract.html\">rupture de votre hypoth\u00e8que<\/a> peut entra\u00eener de lourdes p\u00e9nalit\u00e9s. Ces p\u00e9nalit\u00e9s sont d\u00e9termin\u00e9es par la taille et le type d&#8217;hypoth\u00e8que que vous avez et la dur\u00e9e restante. Mais il existe des cas o\u00f9 la rupture d&#8217;une hypoth\u00e8que peut \u00eatre judicieuse et vous faire \u00e9conomiser des milliers de dollars.<\/p>\n<p>Il serait utile que vous preniez en compte tous les co\u00fbts impliqu\u00e9s avant de prendre toute d\u00e9cision.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;qu_est-ce_que_cela_signifie_de_rompre_un_pr_t_hypoth_caire_&#8221; text=&#8221;Qu&#8217;est-ce que cela signifie de rompre un pr\u00eat hypoth\u00e9caire&nbsp;?&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Une fois que vous avez obtenu un pr\u00eat hypoth\u00e9caire pour acheter une maison, le pr\u00eateur vous donne une somme d&#8217;argent sp\u00e9cifique \u00e0 rembourser sur une p\u00e9riode sp\u00e9cifique appel\u00e9e amortissement. La p\u00e9riode de remboursement d&#8217;un pr\u00eat hypoth\u00e9caire est g\u00e9n\u00e9ralement d&#8217;environ 25 ans, mais votre contrat avec le pr\u00eateur hypoth\u00e9caire porte sur une p\u00e9riode plus courte, g\u00e9n\u00e9ralement comprise entre deux et cinq ans, \u00e9galement appel\u00e9e &#8221; <a href=\"\/?p=132999\">terme&#8221;<\/a>.<\/p>\n<p>Les d\u00e9tails concernant vos paiements hypoth\u00e9caires restent en place pour cette dur\u00e9e. Lorsque vous arrivez \u00e0 la fin du terme, vous devez ren\u00e9gocier les conditions de paiement avec votre pr\u00eateur actuel ou en chercher un nouveau.<\/p>\n<p>Si vous souhaitez faire modifier <a target=\"_blank\" href=\"\/?p=133022\">les conditions<\/a> de votre pr\u00eat hypoth\u00e9caire avant l&#8217;\u00e9ch\u00e9ance, vous devez rompre le contrat, m\u00eame si vous restez avec le m\u00eame pr\u00eateur. La rupture du contrat aura un prix, cependant.<\/p>\n<p>En fonction du type d&#8217;accord que vous avez conclu avec votre pr\u00eateur, vous pouvez, dans la plupart des cas, rompre votre contrat hypoth\u00e9caire. Lisez les petits caract\u00e8res de votre contrat pour d\u00e9terminer si vous pouvez rompre le contrat hypoth\u00e9caire si vous le souhaitez, ou contactez votre pr\u00eateur pour savoir si vous avez cette possibilit\u00e9.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;raisons_pour_lesquelles_vous_voudriez_rompre_votre_contrat_hypoth_caire&#8221; text=&#8221;Raisons pour lesquelles vous voudriez rompre votre contrat hypoth\u00e9caire&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Il existe plusieurs raisons pour lesquelles une personne peut vouloir rompre son contrat de pr\u00eat hypoth\u00e9caire. La plupart du temps, cela d\u00e9pendra de votre situation actuelle.<\/p>\n<ul>\n<li>Remboursement anticip\u00e9 de votre pr\u00eat hypoth\u00e9caire<\/li>\n<li>Votre logement ne r\u00e9pond plus \u00e0 vos besoins&nbsp;; vous souhaitez vendre votre maison et envisagez d&#8217;en <a target=\"_blank\" href=\"\/?p=133050\">acheter une nouvelle.<\/a><\/li>\n<li>Les changements qui ont \u00e9t\u00e9 apport\u00e9s \u00e0 votre situation familiale<\/li>\n<li>Les taux d&#8217;int\u00e9r\u00eat ont baiss\u00e9<\/li>\n<li>Vous voulez ren\u00e9gocier un nouveau contrat avec de meilleures conditions.<\/li>\n<li>Refinancement hypoth\u00e9caire pour obtenir un meilleur taux<\/li>\n<li>Vous devez retirer quelqu&#8217;un de l&#8217;hypoth\u00e8que et du titre de propri\u00e9t\u00e9.<\/li>\n<\/ul>\n<p>La r\u00e8gle g\u00e9n\u00e9rale est que le changement de pr\u00eateur hypoth\u00e9caire sera rentable si vous trouvez un taux hypoth\u00e9caire inf\u00e9rieur de 30 points de base \u00e0 votre taux actuel. Il d\u00e9pendra \u00e9galement de la dur\u00e9e restante de votre contrat et de la p\u00e9nalit\u00e9 en cas de rupture de votre pr\u00eat.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;le_co_t_de_la_rupture_d_un_pr_t_hypoth_caire&#8221; text=&#8221;Le co\u00fbt de la rupture d&#8217;un pr\u00eat hypoth\u00e9caire&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Il y a plusieurs co\u00fbts \u00e0 prendre en compte lorsqu&#8217;il s&#8217;agit de rompre un pr\u00eat hypoth\u00e9caire.[\/vc_column_text][vc_custom_heading el_id=&#8221;frais_de_p_nalit_de_remboursement_anticip_&#8221; text=&#8221;Frais de p\u00e9nalit\u00e9 de remboursement anticip\u00e9&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Les p\u00e9nalit\u00e9s seront d\u00e9termin\u00e9es selon que votre contrat hypoth\u00e9caire est ouvert ou ferm\u00e9. S&#8217;il s&#8217;agit d&#8217;un contrat ferm\u00e9, on suppose que vous remboursez par anticipation le solde restant du pr\u00eat hypoth\u00e9caire et que vous en obtenez un nouveau lorsque vous rompez un pr\u00eat. Pour cette raison, vous devrez payer une <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/reduce-prepayment-penalties.html\">p\u00e9nalit\u00e9 de remboursement anticip\u00e9<\/a>. Pour d\u00e9terminer le montant de la p\u00e9nalit\u00e9 de remboursement anticip\u00e9 que vous devrez payer, vous pouvez utiliser un <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/en\/personal-banking\/products\/mortgages\/calculators-tools\/\">calculateur en ligne<\/a>.<\/p>\n<p>Si vous avez actuellement un pr\u00eat hypoth\u00e9caire ouvert, vous pouvez rompre le contrat sans payer de p\u00e9nalit\u00e9 de remboursement anticip\u00e9.[\/vc_column_text][vc_custom_heading el_id=&#8221;test_de_r_sistance_des_pr_ts_hypoth_caires&#8221; text=&#8221;Test de r\u00e9sistance des pr\u00eats hypoth\u00e9caires&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Fin 2017, le test de r\u00e9sistance des pr\u00eats hypoth\u00e9caires a \u00e9t\u00e9 mis en \u0153uvre. Les r\u00e8gles du test de r\u00e9sistance ont une incidence sur le montant que vous pouvez emprunter. Vous devrez fournir la preuve que vous pouvez payer un pr\u00eat hypoth\u00e9caire dont le taux d&#8217;int\u00e9r\u00eat est sup\u00e9rieur de 2&nbsp;% \u00e0 celui que votre pr\u00eateur vous accorde.<\/p>\n<p>Si votre revenu a baiss\u00e9 ou est rest\u00e9 le m\u00eame avant 2017, et que vous avez d\u00e9j\u00e0 emprunt\u00e9 le maximum du montant pour lequel vous \u00e9tiez qualifi\u00e9, vous ne pourrez pas b\u00e9n\u00e9ficier d&#8217;une taille d&#8217;hypoth\u00e8que \u00e9gale \u00e0 celle d&#8217;avant une fois le test de r\u00e9sistance appliqu\u00e9. Si c&#8217;est votre cas, vous ne pouvez pas rompre votre hypoth\u00e8que \u00e0 moins d&#8217;avoir les moyens de payer le manque \u00e0 gagner suppl\u00e9mentaire.[\/vc_column_text][vc_custom_heading el_id=&#8221;remboursez_les_incitations&#8221; text=&#8221;Remboursez les incitations&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Plusieurs pr\u00eateurs offrent des incitations pour vous inciter \u00e0 contracter un pr\u00eat hypoth\u00e9caire aupr\u00e8s d&#8217;eux. Ces pr\u00eateurs vous offrent un certain pourcentage de votre pr\u00eat hypoth\u00e9caire sous forme de cashback. Vous devrez rembourser les primes au pr\u00eateur si vous rompez l&#8217;hypoth\u00e8que.[\/vc_column_text][vc_custom_heading el_id=&#8221;frais_suppl_mentaires&#8221; text=&#8221;Frais suppl\u00e9mentaires&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Avant de rompre votre contrat hypoth\u00e9caire, lisez les petits caract\u00e8res de votre accord pour voir si des frais suppl\u00e9mentaires sont applicables. Ces frais peuvent comprendre les \u00e9l\u00e9ments suivants&nbsp;:<\/p>\n<ul>\n<li>Frais d&#8217;\u00e9valuation<\/li>\n<li>Frais de r\u00e9investissement si vous pr\u00e9voyez d&#8217;acheter un nouveau logement.<\/li>\n<li>Frais d&#8217;administration<\/li>\n<li>Des frais de mainlev\u00e9e d&#8217;hypoth\u00e8que, qui suppriment une charge sur votre hypoth\u00e8que actuelle et en enregistrent une nouvelle.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;la_p_nalit_de_rupture_d_un_pr_t_hypoth_caire_taux_fixe&#8221; text=&#8221;La p\u00e9nalit\u00e9 de rupture d&#8217;un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]La p\u00e9nalit\u00e9 de remboursement anticip\u00e9 est g\u00e9n\u00e9ralement plus \u00e9lev\u00e9e sur un pr\u00eat hypoth\u00e9caire \u00e0 taux fixe. Le calcul est bas\u00e9 sur le nombre de mois restants du terme, le solde du pr\u00eat hypoth\u00e9caire, l&#8217;ancien et le nouveau taux d&#8217;int\u00e9r\u00eat, ainsi que les r\u00e9ductions de taux dont vous avez pu b\u00e9n\u00e9ficier. Le montant calcul\u00e9 est connu sous le nom de <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/mortgages\/reduce-prepayment-penalties.html\">diff\u00e9rentiel de taux d&#8217;int\u00e9r\u00eat (IRD)<\/a>.[\/vc_column_text][vc_custom_heading el_id=&#8221;la_p_nalit_de_rupture_d_un_pr_t_hypoth_caire_taux_variable&#8221; text=&#8221;La p\u00e9nalit\u00e9 de rupture d&#8217;un pr\u00eat hypoth\u00e9caire \u00e0 taux variable&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Un pr\u00eat hypoth\u00e9caire \u00e0 taux variable est assorti d&#8217;une p\u00e9nalit\u00e9 \u00e9gale \u00e0 trois fois le montant des int\u00e9r\u00eats mensuels, de sorte que vous devrez essentiellement payer trois mois de versements d&#8217;int\u00e9r\u00eats de votre solde actuel pour obtenir une lib\u00e9ration anticip\u00e9e du contrat.<\/p>\n<p>Il peut s&#8217;agir d&#8217;une d\u00e9pense minime, mais le co\u00fbt peut \u00eatre trop \u00e9lev\u00e9 pour profiter de l&#8217;obtention d&#8217;un taux plus bas pour les autres.[\/vc_column_text][vc_custom_heading el_id=&#8221;conclusion&#8221; text=&#8221;Conclusion&#8221; google_fonts=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Comme nous l&#8217;avons d\u00e9j\u00e0 mentionn\u00e9, les p\u00e9nalit\u00e9s de remboursement anticip\u00e9 varient en fonction de votre pr\u00eateur, de la dur\u00e9e restante de votre contrat hypoth\u00e9caire actuel et du contrat hypoth\u00e9caire.<\/p>\n<p>Si vous envisagez de rompre votre contrat hypoth\u00e9caire, faites vos recherches et renseignez-vous sur les frais et p\u00e9nalit\u00e9s potentiels. Vous serez ainsi pr\u00e9par\u00e9 \u00e0 faire face \u00e0 tous les pi\u00e8ges financiers auxquels vous pourriez \u00eatre confront\u00e9. Si vous h\u00e9sitez encore \u00e0 prendre cette d\u00e9cision, adressez-vous \u00e0 un pr\u00eateur hypoth\u00e9caire suffisamment comp\u00e9tent pour vous aider \u00e0 comprendre toutes les r\u00e9glementations et r\u00e8gles li\u00e9es \u00e0 la rupture d&#8217;un contrat hypoth\u00e9caire.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]Plusieurs propri\u00e9taires au Canada se sont r\u00e9cemment tourn\u00e9s vers le refinancement de leur pr\u00eat hypoth\u00e9caire ou la vente de leur propri\u00e9t\u00e9. Tout cela est d\u00fb aux taux hypoth\u00e9caires qui ont atteint des niveaux records. Malheureusement, la rupture de votre hypoth\u00e8que peut entra\u00eener de lourdes p\u00e9nalit\u00e9s. Ces p\u00e9nalit\u00e9s sont d\u00e9termin\u00e9es par la taille et le [&hellip;]<\/p>","protected":false},"author":3,"featured_media":215163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46376],"tags":[],"mc_loyalty_program":[],"class_list":["post-210645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages"],"acf":{"mc_approved_badge":false,"mc_card_used":null,"mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is the penalty for breaking a mortgage in Canada? | Milesopedia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/mortgages\/mandatory-penalties-mortgages-canada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the penalty for breaking a mortgage in Canada?\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]Plusieurs propri\u00e9taires au Canada se sont r\u00e9cemment tourn\u00e9s vers le refinancement de leur pr\u00eat hypoth\u00e9caire ou la vente de leur propri\u00e9t\u00e9. 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