{"id":366,"date":"2026-10-29T00:03:34","date_gmt":"2026-10-29T04:03:34","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=366"},"modified":"2026-10-29T00:03:34","modified_gmt":"2026-10-29T00:03:34","slug":"what-is-borrowing-the-basics-explained","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/what-is-borrowing-the-basics-explained\/","title":{"rendered":"Qu&#039;est-ce qu&#039;un emprunt\u00a0? Explications de base"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"366\" class=\"elementor elementor-366\">\n\t\t\t\t<section class=\"elementor-element elementor-element-a49d580 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"a49d580\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a49d580\">\n    <div class=\"elementor-element elementor-element-728d017 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"728d017\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"728d017\">\n    <article class=\"elementor-element elementor-element-63850b9 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"63850b9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"63850b9\">\n    <div class=\"elementor-element elementor-element-e73a3ee e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"e73a3ee\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e73a3ee\">\n    <div class=\"elementor-element elementor-element-c31a101 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"c31a101\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c31a101\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"9b009a4\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"a330070\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"31cd8f0\">\n\tPrincipes fondamentaux de l&#039;emprunt\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-7941757 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"7941757\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7941757\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"bc4517a\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"495eb87\">Article 1 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"d76be01\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"5de2848\" class=\"title-lg e-heading-base e-default-h1\">Qu&#039;est-ce qu&#039;un emprunt\u00a0? Explications de base<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"2115fdb\" id=\"28\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-49.webp 1600w\" alt=\"Illustration for the article: What Is Borrowing? The Basics Explained\"\/>\t\t<div class=\"elementor-element elementor-element-41dbc4d e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"41dbc4d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"41dbc4d\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"495c564\">Emprunter signifie utiliser l&#039;argent de quelqu&#039;un d&#039;autre et s&#039;engager \u00e0 le rembourser plus tard, g\u00e9n\u00e9ralement avec des frais suppl\u00e9mentaires appel\u00e9s int\u00e9r\u00eats. Presque tout le monde au Canada emprunte \u00e0 un moment ou un autre\u00a0: pour les \u00e9tudes, une voiture, une maison ou m\u00eame un forfait t\u00e9l\u00e9phonique mensuel.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"882d426\" class=\"prose-heading e-heading-base e-default-h2\">Les quatre mots que vous devez conna\u00eetre<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-0ebee54 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"0ebee54\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0ebee54\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"6675473\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"4366691\" class=\"title-md e-heading-base e-default-h2\">Inscrivez-vous gratuitement pour continuer la lecture.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"df5c408\">Les articles de base sont gratuits. Inscrivez-vous avec un nom d&#039;utilisateur et une adresse courriel, cliquez sur le lien d&#039;activation que nous vous envoyons pour d\u00e9finir votre mot de passe, puis connectez-vous pour lire les 50 articles de base.<\/p>\n\t\t<div class=\"elementor-element elementor-element-39af26f e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"39af26f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"39af26f\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/wp-login.php\/?action=register\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"888d9c8\">\n\tS&#039;inscrire gratuitement\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"8f4a4c3\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-3d5309c e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"3d5309c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3d5309c\">\n    <a class=\"elementor-element elementor-element-fdb8640 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"fdb8640\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fdb8640\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/your-credit-score-in-canada-how-newcomers-can-build-one-from-zero\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"c05e9ff\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"8c7e153\">Votre cote de cr\u00e9dit au Canada\u00a0: comment les nouveaux arrivants peuvent en b\u00e2tir une \u00e0 partir de z\u00e9ro<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-aaeac62 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"aaeac62\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"aaeac62\">\n    <div class=\"elementor-element elementor-element-796e633 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"796e633\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"796e633\">\n    <div class=\"elementor-element elementor-element-dc5ff18 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"dc5ff18\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dc5ff18\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"45eb3f2\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"ea952b7\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-7ad3855 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"7ad3855\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7ad3855\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/what-is-borrowing-the-basics-explained\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"19d94f1\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"2bc5a75\">Qu&#039;est-ce qu&#039;un emprunt\u00a0? Explications de base<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-fa866a6 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"fa866a6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fa866a6\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/your-credit-score-in-canada-how-newcomers-can-build-one-from-zero\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"adddf01\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"e46beb7\">Votre cote de cr\u00e9dit au Canada\u00a0: comment les nouveaux arrivants peuvent en b\u00e2tir une \u00e0 partir de z\u00e9ro<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-0f5617f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"0f5617f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0f5617f\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/credit-cards-convenient-borrowing-that-can-get-expensive\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"b151ba2\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"11bcb87\">Cartes de cr\u00e9dit\u00a0: des emprunts pratiques qui peuvent co\u00fbter cher<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-28a108c e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"28a108c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"28a108c\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/understanding-interest-apr-fixed-vs-variable-and-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"0cbf3ed\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"691125b\">Comprendre les int\u00e9r\u00eats\u00a0: TAP, taux fixe vs taux variable et capitalisation<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-8688926 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"8688926\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8688926\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/student-loans-borrowing-for-education-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"24c8c9c\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d647281\">Pr\u00eats \u00e9tudiants : emprunter pour \u00e9tudier au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-35da831 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"35da831\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"35da831\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/personal-loans-and-lines-of-credit-which-one-fits\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"b550cef\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"e0e11e8\">Pr\u00eats personnels et lignes de cr\u00e9dit\u00a0: lequel vous convient le mieux\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-75cd58f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"75cd58f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"75cd58f\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/mortgages-101-borrowing-to-buy-a-home-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"36442a5\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"2216394\">Les bases des pr\u00eats hypoth\u00e9caires\u00a0: emprunter pour acheter une maison au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-d8ec27b e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d8ec27b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d8ec27b\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/payday-loans-and-high-cost-borrowing-the-risks\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"6e4656c\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"75715a0\">Pr\u00eats sur salaire et emprunts \u00e0 taux d&#039;int\u00e9r\u00eat \u00e9lev\u00e9s\u00a0: les risques<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-7971495 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"7971495\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7971495\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/how-much-can-you-safely-borrow-budgeting-and-debt-ratios\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"65e75e1\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"60f8e1f\">Combien pouvez-vous emprunter sans risque\u00a0? Budget et ratios d\u2019endettement<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-1a1eec7 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1a1eec7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1a1eec7\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/getting-help-managing-debt-trouble-and-avoiding-scams\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"83de007\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c29d484\">Obtenir de l&#039;aide : g\u00e9rer ses probl\u00e8mes d&#039;endettement et \u00e9viter les arnaques<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"a59278f\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Borrowing Fundamentals Free with Basic Article 1 of 10 2 min read What Is Borrowing? The Basics Explained [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":365,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-366","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is Borrowing? 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