{"id":554,"date":"2026-10-29T00:04:20","date_gmt":"2026-10-29T04:04:20","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=554"},"modified":"2026-10-29T00:04:20","modified_gmt":"2026-10-29T00:04:20","slug":"how-much-debt-is-too-much-your-debt-to-income-ratio","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/debt-management\/how-much-debt-is-too-much-your-debt-to-income-ratio\/","title":{"rendered":"Quel est le niveau d&#039;endettement excessif\u00a0? Votre ratio dette\/revenu"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"554\" class=\"elementor elementor-554\">\n\t\t\t\t<section class=\"elementor-element elementor-element-e0f3efd e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"e0f3efd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e0f3efd\">\n    <div class=\"elementor-element elementor-element-1130875 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"1130875\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1130875\">\n    <article class=\"elementor-element elementor-element-9470bd2 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"9470bd2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9470bd2\">\n    <div class=\"elementor-element elementor-element-31cd96e e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"31cd96e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"31cd96e\">\n    <div class=\"elementor-element elementor-element-180eb05 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"180eb05\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"180eb05\">\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=\"9c2eebc\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"9be26fe\">\/<\/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=\"49e53f9\">\n\tGestion de la dette\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-0db6859 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"0db6859\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0db6859\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"efbb9cf\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a51eabd\">Article 10 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"9c6272c\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"10a76c7\" class=\"title-lg e-heading-base e-default-h1\">Quel est le niveau d&#039;endettement excessif\u00a0? Votre ratio dette\/revenu<\/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=\"17e61bb\" id=\"36\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-1024x642.webp\" width=\"1024\" height=\"642\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-1024x642.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-300x188.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-768x481.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-1536x963.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-18x12.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47-600x376.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-47.webp 1600w\" alt=\"Illustration for the article: How Much Can You Safely Borrow? Budgeting and Debt Ratios\"\/>\t\t<div class=\"elementor-element elementor-element-2958bef e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"2958bef\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2958bef\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"e1e3131\">Comment savoir si votre dette est g\u00e9rable\u00a0? Un simple chiffre peut vous le dire\u00a0: votre ratio dette\/revenu (DTI).<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"b556487\" class=\"prose-heading e-heading-base e-default-h2\">Qu&#039;est-ce que c&#039;est<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-36e7ad0 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"36e7ad0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"36e7ad0\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"3ef87a5\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"ca02f37\" 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=\"5bbe4e6\">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-0a52faa e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"0a52faa\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0a52faa\">\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=\"50a2d6e\">\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=\"ec42221\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-405ae10 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"405ae10\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"405ae10\">\n    <a class=\"elementor-element elementor-element-be13a48 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"be13a48\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"be13a48\" 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=\"d57601f\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"6c8fd10\">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-37a885e e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"37a885e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"37a885e\">\n    <div class=\"elementor-element elementor-element-42e02ea e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"42e02ea\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"42e02ea\">\n    <div class=\"elementor-element elementor-element-36af025 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"36af025\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"36af025\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"11f4ece\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"d60ee6a\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-d5e6d95 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d5e6d95\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d5e6d95\" 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=\"fcf49ae\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"2c02577\">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-354c5f8 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"354c5f8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"354c5f8\" 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=\"3f1bf90\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c476252\">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-55bb3bc e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"55bb3bc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"55bb3bc\" 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=\"618f065\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"ff24dcf\">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-cec91a0 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"cec91a0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cec91a0\" 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=\"5278b33\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"b59cd87\">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-2475731 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"2475731\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2475731\" 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=\"e2b64cd\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"3b85495\">\u00c9laborez votre plan de remboursement de dette en 4 \u00e9tapes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-1feb46e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1feb46e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1feb46e\" 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=\"206a221\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d56c876\">Pr\u00eats \u00e9tudiants : emprunter intelligemment pour financer ses \u00e9tudes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-20710a6 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"20710a6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"20710a6\" 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=\"8e91731\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"97b6f4a\">Consolidation de dettes : simplifier ou tr\u00e9bucher ?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-226f132 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"226f132\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"226f132\" 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=\"cf5b4fa\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"df6784c\">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-730f5b3 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"730f5b3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"730f5b3\" 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=\"00e5582\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"622ae2d\">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-9adaa2a e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"9adaa2a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9adaa2a\" 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=\"e173c44\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"2e1599c\">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=\"b601058\">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 10 of 10 2 min read How Much Debt Is Too Much? Your Debt-to-Income [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":544,"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-554","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>How Much Debt Is Too Much? 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