{"id":552,"date":"2026-10-29T00:04:18","date_gmt":"2026-10-29T04:04:18","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=552"},"modified":"2026-10-29T00:04:18","modified_gmt":"2026-10-29T00:04:18","slug":"new-to-canada-managing-debt-and-avoiding-costly-traps","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/debt-management\/new-to-canada-managing-debt-and-avoiding-costly-traps\/","title":{"rendered":"Vous venez d&#039;arriver au Canada\u00a0? G\u00e9rer sa dette et \u00e9viter les pi\u00e8ges co\u00fbteux"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"552\" class=\"elementor elementor-552\">\n\t\t\t\t<section class=\"elementor-element elementor-element-0810fa0 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"0810fa0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0810fa0\">\n    <div class=\"elementor-element elementor-element-fe7263c e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"fe7263c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fe7263c\">\n    <article class=\"elementor-element elementor-element-a421287 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"a421287\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a421287\">\n    <div class=\"elementor-element elementor-element-ad7ce7b e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"ad7ce7b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ad7ce7b\">\n    <div class=\"elementor-element elementor-element-c21007f e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"c21007f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c21007f\">\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=\"a73e728\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"0d350c6\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"a5ef5d3\">\n\tGestion de la dette\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-10bc9e6 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"10bc9e6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"10bc9e6\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"e000f4e\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"0f0de0c\">Article 8 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"e30b75a\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"4e58504\" class=\"title-lg e-heading-base e-default-h1\">Vous venez d&#039;arriver au Canada\u00a0? G\u00e9rer sa dette et \u00e9viter les pi\u00e8ges co\u00fbteux<\/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=\"fe2c5f6\" id=\"35\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42.webp 1600w\" alt=\"Illustration for the article: Payday Loans and High-Cost Borrowing: The Risks\"\/>\t\t<div class=\"elementor-element elementor-element-4922226 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"4922226\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4922226\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"45ced3b\">S&#039;installer dans un nouveau pays est une aventure \u00e0 la fois excitante et co\u00fbteuse. Entre le d\u00e9p\u00f4t de garantie pour le logement, les meubles, le transport et les frais d&#039;installation, la tentation est grande d&#039;emprunter rapidement. Quelques pr\u00e9cautions judicieuses peuvent vous prot\u00e9ger.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"d8b7016\" class=\"prose-heading e-heading-base e-default-h2\">Vous commencez avec un dossier de cr\u00e9dit vierge<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-977f90b e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"977f90b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"977f90b\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"172a396\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"b64fdfa\" class=\"title-md e-heading-base e-default-h2\">Cet article fait partie de l&#039;abonnement Premium.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"4199c60\">Les membres Premium ont acc\u00e8s \u00e0 l&#039;int\u00e9gralit\u00e9 des 100 articles et b\u00e9n\u00e9ficient de conseils, d&#039;ateliers et de s\u00e9minaires sans frais suppl\u00e9mentaires. L&#039;abonnement Premium co\u00fbte 49,99\u00a0$ par an.<\/p>\n\t\t<div class=\"elementor-element elementor-element-f431914 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"f431914\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f431914\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"0a103c3\">\n\tChoisissez Premium\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=\"5c16fc5\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-8cf1eee e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"8cf1eee\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8cf1eee\">\n    <a class=\"elementor-element elementor-element-76847d8 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"76847d8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"76847d8\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/debt-consolidation-simplify-or-stumble\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"8ebca7b\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"fe76bfd\">Consolidation de dettes : simplifier ou tr\u00e9bucher ?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-f4818c5 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"f4818c5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f4818c5\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/when-debt-feels-out-of-control-where-to-get-help\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"9e5a488\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"8a7a1f7\">Quand les dettes vous semblent incontr\u00f4lables\u00a0: o\u00f9 trouver de l\u2019aide<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-64d2d26 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"64d2d26\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"64d2d26\">\n    <div class=\"elementor-element elementor-element-3d422ce e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"3d422ce\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3d422ce\">\n    <div class=\"elementor-element elementor-element-3f32755 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"3f32755\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3f32755\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"6a627b0\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"a2614d1\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-00a342f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"00a342f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"00a342f\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/what-is-debt-and-is-all-debt-bad\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"742198f\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"44dd3a1\">Qu&#039;est-ce que la dette, et toute dette est-elle mauvaise ?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-8444205 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"8444205\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8444205\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/interest-explained-the-price-of-borrowing\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"3b8d41a\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"e47b651\">L&#039;int\u00e9r\u00eat expliqu\u00e9 : le prix de l&#039;emprunt<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-c5ed91a e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"c5ed91a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c5ed91a\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/credit-cards-a-tool-not-free-money\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"27c0bb0\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"e135efb\">Cartes de cr\u00e9dit\u00a0: un outil, pas de l\u2019argent gratuit<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-4baf566 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"4baf566\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4baf566\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/snowball-vs-avalanche-two-ways-to-pay-off-debt\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"4bdbed1\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"79994ff\">Effet boule de neige ou avalanche\u00a0: deux fa\u00e7ons de rembourser ses dettes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-7761e29 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"7761e29\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7761e29\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/build-your-debt-repayment-plan-in-4-steps\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c263a1e\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"3388900\">\u00c9laborez votre plan de remboursement de dette en 4 \u00e9tapes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-608a0a0 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"608a0a0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"608a0a0\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/student-loans-borrowing-for-education-wisely\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"b3523d6\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"cc6170b\">Pr\u00eats \u00e9tudiants : emprunter intelligemment pour financer ses \u00e9tudes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-faa6e43 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"faa6e43\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"faa6e43\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/debt-consolidation-simplify-or-stumble\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"6b42aad\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4cedb95\">Consolidation de dettes : simplifier ou tr\u00e9bucher ?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-01c929e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"01c929e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"01c929e\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/new-to-canada-managing-debt-and-avoiding-costly-traps\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ee0d0b0\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"d8ff1a5\">Vous venez d&#039;arriver au Canada\u00a0? G\u00e9rer sa dette et \u00e9viter les pi\u00e8ges co\u00fbteux<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-a73602e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"a73602e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a73602e\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/when-debt-feels-out-of-control-where-to-get-help\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"72f7b80\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"a51b518\">Quand les dettes vous semblent incontr\u00f4lables\u00a0: o\u00f9 trouver de l\u2019aide<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-fcb3b4b e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"fcb3b4b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fcb3b4b\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/how-much-debt-is-too-much-your-debt-to-income-ratio\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"b4e45ab\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"5b509ba\">Quel est le niveau d&#039;endettement excessif\u00a0? Votre ratio dette\/revenu<\/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=\"5aad39c\">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 \/ Debt Management Premium Article 8 of 10 2 min read New to Canada? 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