{"id":416,"date":"2026-10-29T00:03:47","date_gmt":"2026-10-29T04:03:47","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=416"},"modified":"2026-10-29T00:03:47","modified_gmt":"2026-10-29T00:03:47","slug":"saving-for-your-first-home-with-the-fhsa","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-for-your-first-home-with-the-fhsa\/","title":{"rendered":"\u00c9pargner pour votre premi\u00e8re propri\u00e9t\u00e9 avec le CELIAPP"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"416\" class=\"elementor elementor-416\">\n\t\t\t\t<section class=\"elementor-element elementor-element-911a137 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"911a137\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"911a137\">\n    <div class=\"elementor-element elementor-element-47e2688 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"47e2688\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"47e2688\">\n    <article class=\"elementor-element elementor-element-6092414 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"6092414\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6092414\">\n    <div class=\"elementor-element elementor-element-877e801 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"877e801\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"877e801\">\n    <div class=\"elementor-element elementor-element-674de21 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"674de21\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"674de21\">\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=\"1bef0bd\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"485120f\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"d4098f1\">\n\tPlan d&#039;\u00e9pargne\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-649558b e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"649558b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"649558b\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"761c74a\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c4dcb7b\">Article 6 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"eb11dd1\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"bf5d8f3\" class=\"title-lg e-heading-base e-default-h1\">\u00c9pargner pour votre premi\u00e8re propri\u00e9t\u00e9 avec le CELIAPP<\/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=\"975be61\" id=\"43\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-20-1024x819.webp\" width=\"1024\" height=\"819\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-20-1024x819.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-20-300x240.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-20-768x614.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-20-1536x1229.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-20-15x12.webp 15w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-20-600x480.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-20.webp 1600w\" alt=\"Illustration of a money bag, cash and a coin plant under a rising arrow\"\/>\t\t<div class=\"elementor-element elementor-element-c3f8bc7 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"c3f8bc7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c3f8bc7\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"8e4e639\">Devenir propri\u00e9taire est un objectif majeur pour de nombreuses personnes qui s&#039;installent au Canada. Le Compte d&#039;\u00e9pargne pour premi\u00e8re propri\u00e9t\u00e9 (CEP) combine des caract\u00e9ristiques du REER et du CELI pour aider les premiers acheteurs.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"887c38a\" class=\"prose-heading e-heading-base e-default-h2\">Le double avantage fiscal<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-70e983b e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"70e983b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"70e983b\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"ada590e\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"1b64a6c\" 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=\"3118025\">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-9b8c09b e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"9b8c09b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9b8c09b\">\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=\"74e98e1\">\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=\"569b42d\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-92b0c88 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"92b0c88\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"92b0c88\">\n    <a class=\"elementor-element elementor-element-73e1de9 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"73e1de9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"73e1de9\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/the-tfsa-explained-tax-free-savings-made-simple\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"7df561f\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"fba3f87\">Le CELI expliqu\u00e9 : L&#039;\u00e9pargne libre d&#039;imp\u00f4t en toute simplicit\u00e9<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-dc29e2a e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"dc29e2a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dc29e2a\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/rrsp-basics-saving-for-retirement-while-lowering-your-taxes\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"770e195\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"6bcf7bf\">Principes de base du REER\u00a0: \u00c9pargner pour la retraite tout en r\u00e9duisant vos imp\u00f4ts<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-6911c39 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"6911c39\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6911c39\">\n    <div class=\"elementor-element elementor-element-8dfb967 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"8dfb967\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8dfb967\">\n    <div class=\"elementor-element elementor-element-69a2558 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"69a2558\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"69a2558\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"ef27e44\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"7ce7ffb\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-747d1c6 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"747d1c6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"747d1c6\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/why-saving-matters-your-first-step-to-financial-security\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"46f0e9f\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"2d2954b\">L&#039;importance de l&#039;\u00e9pargne : votre premier pas vers la s\u00e9curit\u00e9 financi\u00e8re<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-1876da9 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1876da9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1876da9\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/how-to-build-an-emergency-fund-even-on-a-tight-budget\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c38a549\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"ed015f4\">Comment constituer un fonds d&#039;urgence (m\u00eame avec un budget serr\u00e9)<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-6566b47 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"6566b47\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6566b47\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/budgeting-basics-finding-the-money-to-save\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"cfdba1c\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"372fca4\">Principes de base de la gestion budg\u00e9taire\u00a0: trouver l\u2019argent \u00e0 \u00e9pargner<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-0441d12 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"0441d12\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0441d12\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/savings-accounts-in-canada-choosing-the-right-one\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"4e1aaeb\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"99a748c\">Comptes d&#039;\u00e9pargne au Canada\u00a0: comment choisir le bon\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-ee3f5f2 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"ee3f5f2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ee3f5f2\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/the-tfsa-explained-tax-free-savings-made-simple\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"f91941a\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"12ff711\">Le CELI expliqu\u00e9 : L&#039;\u00e9pargne libre d&#039;imp\u00f4t en toute simplicit\u00e9<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-a431d6e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"a431d6e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a431d6e\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-for-your-first-home-with-the-fhsa\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"34728db\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"4ec2e22\">\u00c9pargner pour votre premi\u00e8re propri\u00e9t\u00e9 avec le CELIAPP<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-9ffb949 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"9ffb949\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9ffb949\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/rrsp-basics-saving-for-retirement-while-lowering-your-taxes\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"5cde549\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c9b37f6\">Principes de base du REER\u00a0: \u00c9pargner pour la retraite tout en r\u00e9duisant vos imp\u00f4ts<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-e0743fc e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"e0743fc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e0743fc\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-newcomer-your-first-12-months-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e93eae5\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"1cf81c5\">\u00c9conomiser en tant que nouvel arrivant : vos 12 premiers mois au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-4cfc4b8 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"4cfc4b8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4cfc4b8\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-student-small-amounts-big-habits\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"522da50\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c1f9a79\">\u00c9pargner quand on est \u00e9tudiant\u00a0: petites sommes, grandes habitudes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-53f92c6 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"53f92c6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"53f92c6\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/7-common-savings-mistakes-and-how-to-avoid-them\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"deaa289\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"83e00b5\">7 erreurs courantes en mati\u00e8re d&#039;\u00e9pargne et comment les \u00e9viter<\/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=\"f26f903\">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 \/ Savings Plan Free with Basic Article 6 of 10 2 min read Saving for Your First Home with [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":410,"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-416","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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