{"id":372,"date":"2026-10-29T00:03:39","date_gmt":"2026-10-29T04:03:39","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=372"},"modified":"2026-10-29T00:03:39","modified_gmt":"2026-10-29T00:03:39","slug":"mortgages-101-borrowing-to-buy-a-home-in-canada","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/mortgages-101-borrowing-to-buy-a-home-in-canada\/","title":{"rendered":"Les bases des pr\u00eats hypoth\u00e9caires\u00a0: emprunter pour acheter une maison au Canada"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"372\" class=\"elementor elementor-372\">\n\t\t\t\t<section class=\"elementor-element elementor-element-4a136dd e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"4a136dd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4a136dd\">\n    <div class=\"elementor-element elementor-element-f7e2bf1 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"f7e2bf1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f7e2bf1\">\n    <article class=\"elementor-element elementor-element-ebc5a79 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"ebc5a79\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ebc5a79\">\n    <div class=\"elementor-element elementor-element-a9e67bb e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"a9e67bb\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a9e67bb\">\n    <div class=\"elementor-element elementor-element-f02fde1 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"f02fde1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f02fde1\">\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=\"2fb06e5\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"58302d9\">\/<\/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=\"213e67b\">\n\tPrincipes fondamentaux de l&#039;emprunt\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-631a30e e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"631a30e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"631a30e\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"a2db003\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"6f12686\">Article 7 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"87ddaea\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"e3971a5\" class=\"title-lg e-heading-base e-default-h1\">Les bases des pr\u00eats hypoth\u00e9caires\u00a0: emprunter pour acheter une maison au Canada<\/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=\"320bb81\" id=\"34\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-1024x757.webp\" width=\"1024\" height=\"757\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-1024x757.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-300x222.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-768x568.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-1536x1136.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-16x12.webp 16w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71-600x444.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-71.webp 1600w\" alt=\"Illustration for the article: Mortgages 101: Borrowing to Buy a Home in Canada\"\/>\t\t<div class=\"elementor-element elementor-element-aea3fe2 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"aea3fe2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"aea3fe2\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"5c2faec\">Un pr\u00eat hypoth\u00e9caire est un emprunt servant \u00e0 acqu\u00e9rir un bien immobilier, garanti par ce bien. Il s&#039;agit g\u00e9n\u00e9ralement de la dette la plus importante qu&#039;une personne contracte, d&#039;o\u00f9 l&#039;importance de bien la comprendre.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"6c4c027\" class=\"prose-heading e-heading-base e-default-h2\">Mise de fonds<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-760a6f8 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"760a6f8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"760a6f8\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"9eeb063\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"ff9622a\" 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=\"d8ffedc\">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-41f15df e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"41f15df\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"41f15df\">\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=\"d963a3d\">\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=\"92b5e6c\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-572162e e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"572162e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"572162e\">\n    <a class=\"elementor-element elementor-element-609d8c5 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"609d8c5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"609d8c5\" 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=\"small e-paragraph-base e-default-span\" data-interaction-id=\"6ff3382\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"9d5ff2b\">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-cda652c e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"cda652c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cda652c\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/payday-loans-and-high-cost-borrowing-the-risks\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"e0b742d\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"d50f2f3\">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\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-3f471d3 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"3f471d3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3f471d3\">\n    <div class=\"elementor-element elementor-element-9676d23 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"9676d23\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9676d23\">\n    <div class=\"elementor-element elementor-element-6f36ed8 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"6f36ed8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6f36ed8\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"effca02\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"495c580\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-85a02d6 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"85a02d6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"85a02d6\" 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=\"db495f8\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"b2f04bb\">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-679272d e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"679272d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"679272d\" 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=\"a8078dd\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"923d3eb\">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-855724e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"855724e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"855724e\" 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=\"748d5ee\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"535b8a8\">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-2695def e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"2695def\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2695def\" 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=\"df3d415\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"3f0cfad\">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-3cb7892 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"3cb7892\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3cb7892\" 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=\"b08b2cb\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"64b3220\">Pr\u00eats \u00e9tudiants : emprunter pour \u00e9tudier au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-fbf1a50 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"fbf1a50\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fbf1a50\" 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=\"9b3185e\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"8c49dfd\">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-c6dd324 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"c6dd324\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c6dd324\" 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=\"2adc015\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"2b16f01\">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-f18b5a9 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f18b5a9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f18b5a9\" 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=\"d204345\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"bee2fbb\">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-b433146 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"b433146\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b433146\" 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=\"eb2df4a\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"93e7819\">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-1dbb3ee e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1dbb3ee\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1dbb3ee\" 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=\"14592d8\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"2a63a27\">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=\"74164e2\">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 7 of 10 2 min read Mortgages 101: Borrowing to Buy a [&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-372","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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