{"id":1699,"date":"2018-08-14T19:46:17","date_gmt":"2018-08-14T19:46:17","guid":{"rendered":"https:\/\/www.hometrust.ca\/?page_id=1699"},"modified":"2021-07-27T03:25:53","modified_gmt":"2021-07-27T03:25:53","slug":"classic-mortgage","status":"publish","type":"page","link":"https:\/\/www.hometrust.ca\/fr-ca\/brokerlogin\/l-qb\/classic-mortgage\/","title":{"rendered":"Pr\u00eats hypoth\u00e9caires Classique"},"content":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1534776909937{margin-bottom: 50px !important;border-top-width: 0px !important;border-top-style: solid !important;}&#8221;][vc_column][vc_column_text]<\/p>\n<div class=\"col-md-9\">\n<h1><b>Programme Classique<\/b><\/h1>\n<p style=\"padding-bottom: 15px;\">Les pr\u00eats hypoth\u00e9caires Classique sont un produit id\u00e9al pour les clients qui sont travailleurs autonomes, dont la cote de solvabilit\u00e9 est compromise ou qui sont nouvellement arriv\u00e9s au Canada. Ils peuvent aussi constituer la bonne solution pour les clients dont le revenu provient de commissions ou ceux qui sont travailleurs autonomes et qui ne poss\u00e8dent pas de documentation habituelle sur le revenu. Notre \u00e9quipe exp\u00e9riment\u00e9e est en mesure d\u2019aider les clients qui ont fait face \u00e0 des difficult\u00e9s personnelles et financi\u00e8res ayant eu des r\u00e9percussions sur leur historique de cr\u00e9dit \u00e0 obtenir du financement.<\/p>\n<p><b>Qualifications hypoth\u00e9caires<\/b><\/p>\n<ul>\n<li>Propri\u00e9t\u00e9s r\u00e9sidentielles convoit\u00e9es dans les grands centres urbains<\/li>\n<li>Offert sur immeubles locatifs<\/li>\n<li>Un ratio pr\u00eat-valeur pouvant aller jusqu\u2019\u00e0 80\u00a0% pour les achats et le refinancement<\/li>\n<li>Des pr\u00eats pouvant aller jusqu\u2019\u00e0 2\u00a0000\u00a0000\u00a0$ (selon le cas pour les montants sup\u00e9rieurs)<\/li>\n<li>Des pr\u00eats pouvant aller jusqu\u2019\u00e0 750\u00a0000\u00a0$ pour des immeubles \u00e0 condominiums (selon le cas pour les montants sup\u00e9rieurs)<\/li>\n<li>\u00c9valuation du rapport d\u2019amortissement total de la dette au moment de la demande<\/li>\n<li>Amortissement pouvant aller jusqu\u2019\u00e0 30\u00a0ans<\/li>\n<\/ul>\n<p style=\"padding-bottom: 15px;\"><b>Communiquez avec votre directeur du d\u00e9veloppement des affaires pour obtenir plus de renseignements.<\/b><\/p>\n<p><small><i>Chaque demande de pr\u00eat hypoth\u00e9caire doit \u00eatre approuv\u00e9e individuellement conform\u00e9ment aux politiques et lignes directrices de Home Trust. Pour tous les pr\u00eats hypoth\u00e9caires, le taux qui entre dans le calcul des ratios du rapport d\u2019amortissement brut de la dette et du rapport d\u2019amortissement total de la dette sera le plus \u00e9lev\u00e9 entre le taux hypoth\u00e9caire contractuel (taux de l\u2019offre) plus 2 % et le taux de r\u00e9f\u00e9rence sur cinq ans que la Banque du Canada publie chaque semaine. Au Qu\u00e9bec, les modalit\u00e9s du produit pourraient \u00eatre diff\u00e9rentes ou ne pas \u00eatre offertes.<\/i><\/small><\/p>\n<\/div>\n<div class=\"col-md-3\" style=\"padding-bottom: 50px;\">\n<p><!--\n<a href=\"\/wp-content\/uploads\/2021\/03\/MTG-Classic-Mortgage-Product-Page-FR.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">\n\n<img class=\"productpics\" src=\"\/wp-content\/uploads\/2021\/03\/MTG-Classic-Mortgage-Product-Page-FR.png\" \/>\n<strong>Download the Rate Sheet<\/strong><\/a>\n--><\/p>\n<p><a href=\"\/wp-content\/uploads\/2021\/07\/ClassicMortgageSolutionsPackageJune2021French.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" class=\"productpics alignnone\" src=\"\/wp-content\/uploads\/2021\/03\/MTG-Classic-Mortgage-Product-Page-FR.png\" alt=\"\" width=\"472\" height=\"611\" \/><\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/2021\/07\/ClassicMortgageSolutionsPackageJune2021French.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Voir les d\u00e9tails des produits<\/strong><\/a><\/p>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1534776909937{margin-bottom: 50px !important;border-top-width: 0px !important;border-top-style: solid !important;}&#8221;][vc_column][vc_column_text] Programme Classique Les pr\u00eats hypoth\u00e9caires Classique sont un produit id\u00e9al pour les clients qui sont travailleurs autonomes, dont la [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":1711,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"broker-page.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v16.6 (Yoast SEO v16.6.1) - 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