{"id":307757,"date":"2026-04-15T23:36:49","date_gmt":"2026-04-15T23:36:49","guid":{"rendered":"https:\/\/www.tauxhypotheques.com\/?page_id=307757"},"modified":"2026-04-16T14:33:11","modified_gmt":"2026-04-16T14:33:11","slug":"programmes-dacces-a-la-propriete","status":"publish","type":"page","link":"https:\/\/www.tauxhypotheques.com\/index.php\/programmes-dacces-a-la-propriete\/","title":{"rendered":"Programmes d&rsquo;acc\u00e8s \u00e0 la propri\u00e9t\u00e9 et mises de fonds"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb next_background_color=\u00a0\u00bb#ffffff\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#0C8EC0&Prime; use_background_color_gradient=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_direction=\u00a0\u00bb90deg\u00a0\u00bb background_color_gradient_stops=\u00a0\u00bb#0c8ec0 25%|rgba(46,91,97,0) 100%\u00a0\u00bb background_color_gradient_overlays_image=\u00a0\u00bbon\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/www.tauxhypotheques.com\/wp-content\/uploads\/2024\/04\/Untitled-design-2024-04-06T151637.054.jpg\u00a0\u00bb background_blend=\u00a0\u00bbmultiply\u00a0\u00bb custom_padding=\u00a0\u00bb45px||||false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb45px||||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb0px||||false|false\u00a0\u00bb bottom_divider_style=\u00a0\u00bbcurve2&Prime; bottom_divider_height=\u00a0\u00bb72px\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb position_origin_a=\u00a0\u00bbbottom_center\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_cta title=\u00a0\u00bbprogrammes d&rsquo;acc\u00e8s \u00e0 la propri\u00e9t\u00e9 et mise de fonds\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_font=\u00a0\u00bbAsap Condensed|800||on|||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_font_size=\u00a0\u00bb70px\u00a0\u00bb header_letter_spacing=\u00a0\u00bb1px\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb body_font_size=\u00a0\u00bb17px\u00a0\u00bb body_line_height=\u00a0\u00bb1.4em\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_bg_color=\u00a0\u00bb#000000&Prime; button_border_width=\u00a0\u00bb0px\u00a0\u00bb button_font=\u00a0\u00bbAlegreya Sans|700|||||||\u00a0\u00bb button_icon=\u00a0\u00bb&#x45;||divi||400&Prime; background_layout=\u00a0\u00bblight\u00a0\u00bb custom_padding=\u00a0\u00bb38px||0px|||\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb42px\u00a0\u00bb header_font_size_phone=\u00a0\u00bb36px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb body_font_size_tablet=\u00a0\u00bb\u00a0\u00bb body_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb body_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb button_text_size_tablet=\u00a0\u00bb\u00a0\u00bb button_text_size_phone=\u00a0\u00bb18px\u00a0\u00bb button_text_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Passer de locataire \u00e0 propri\u00e9taire est un projet important qui demande une bonne planification financi\u00e8re. Les <strong>programmes d\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9<\/strong> sont des initiatives gouvernementales con\u00e7ues pour aider les acheteurs, notamment les premiers acheteurs, \u00e0 r\u00e9aliser leur projet immobilier.<\/p>\n<p>Ces programmes visent \u00e0 faciliter l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en offrant diff\u00e9rents outils d\u2019\u00e9pargne et de financement, en compl\u00e9ment des options de mise de fonds traditionnelles.<\/p>\n<p>[\/et_pb_cta][et_pb_button button_url=\u00a0\u00bbhttps:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb button_text=\u00a0\u00bbrendez-vous\u00a0\u00bb button_alignment=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbf489fdc3-bf1e-40c7-852b-c42851d4acb9&Prime; custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_bg_color=\u00a0\u00bb#000000&Prime; button_border_width=\u00a0\u00bb0px\u00a0\u00bb button_font=\u00a0\u00bbOpen Sans|700||on|||||\u00a0\u00bb custom_margin=\u00a0\u00bb19px||29px|||\u00a0\u00bb button_text_size_tablet=\u00a0\u00bb\u00a0\u00bb button_text_size_phone=\u00a0\u00bb16px\u00a0\u00bb button_text_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb admin_label=\u00a0\u00bbFeature\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb48px||||false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb48px||||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb0px||||false|false\u00a0\u00bb collapsed=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_font_size=\u00a0\u00bb16px\u00a0\u00bb text_line_height=\u00a0\u00bb1.5em\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<p>Les programmes d\u2019accession \u00e0 la propri\u00e9t\u00e9 peuvent offrir divers avantages, tels que des m\u00e9canismes d\u2019\u00e9pargne d\u00e9di\u00e9s ou des options de financement encadr\u00e9es. Il est important de bien comprendre les <strong>crit\u00e8res d\u2019admissibilit\u00e9<\/strong> et les <strong>conditions applicables<\/strong> afin de d\u00e9terminer si ces programmes correspondent \u00e0 votre situation.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_3,2_3&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#0C8EC0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbAsap Condensed|600|||||||\u00a0\u00bb header_4_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_4_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font_size=\u00a0\u00bb30px\u00a0\u00bb custom_margin=\u00a0\u00bb||6px|||\u00a0\u00bb custom_padding=\u00a0\u00bb15px|30px||30px|false|true\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h4>R\u00e9gime d&rsquo;Accession \u00e0 la Propri\u00e9t\u00e9 (RAP)<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb2_3&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_font_size=\u00a0\u00bb20px\u00a0\u00bb text_line_height=\u00a0\u00bb1.2em\u00a0\u00bb custom_margin=\u00a0\u00bb||13px|||\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p style=\"text-align: left;\">Programme gouvernemental canadien con\u00e7u pour aider les Canadiens \u00e0 \u00e9pargner en vue d&rsquo;acheter leur premi\u00e8re maison.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_line_height=\u00a0\u00bb1.4em\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Le <strong>R\u00e9gime d\u2019accession \u00e0 la propri\u00e9t\u00e9 (RAP)<\/strong> est un programme gouvernemental canadien qui permet aux acheteurs d\u2019une premi\u00e8re propri\u00e9t\u00e9 d\u2019utiliser une partie de leur \u00e9pargne\u2011retraite pour financer l\u2019achat d\u2019une r\u00e9sidence principale.<\/p>\n<p>Le RAP permet de retirer jusqu\u2019\u00e0 <strong>60,000\u202f$ par personne<\/strong> \u00e0 partir d\u2019un r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne\u2011retraite (REER). Les sommes retir\u00e9es doivent ensuite \u00eatre rembours\u00e9es selon les modalit\u00e9s pr\u00e9vues par le programme.<\/p>\n<p>Ce m\u00e9canisme peut repr\u00e9senter une option int\u00e9ressante lorsqu\u2019il est utilis\u00e9 de fa\u00e7on r\u00e9fl\u00e9chie et int\u00e9gr\u00e9 \u00e0 une strat\u00e9gie financi\u00e8re globale.<\/p>\n<p>[\/et_pb_text][et_pb_toggle title=\u00a0\u00bbRemboursement\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#000000&Prime; icon_color=\u00a0\u00bb#0C8EC0&Prime; toggle_icon=\u00a0\u00bb&#x4c;||divi||400&Prime; open_icon_color=\u00a0\u00bb#0C8EC0&Prime; open_toggle_icon=\u00a0\u00bb&#x4b;||divi||400&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#0C8EC0&Prime; title_font=\u00a0\u00bbAsap Condensed|600|||||||\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_line_height=\u00a0\u00bb1.3em\u00a0\u00bb custom_margin=\u00a0\u00bb||9px|||\u00a0\u00bb custom_padding=\u00a0\u00bb6px||6px||true|false\u00a0\u00bb border_width_all=\u00a0\u00bb3px\u00a0\u00bb border_color_all=\u00a0\u00bb#0C8EC0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Les fonds retir\u00e9s doivent \u00eatre rembours\u00e9s dans un d\u00e9lai de 15 ans \u00e0 partir de la 2e ann\u00e9e suivant l\u2019acquisition de la propri\u00e9t\u00e9, avec un remboursement minimum annuel requis (1\/15 du montant retir\u00e9 dans le cadre du RAP).\u00a0<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00a0\u00bbConditions d&rsquo;admissibilit\u00e9\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#000000&Prime; icon_color=\u00a0\u00bb#0C8EC0&Prime; toggle_icon=\u00a0\u00bb&#x4c;||divi||400&Prime; open_icon_color=\u00a0\u00bb#0C8EC0&Prime; open_toggle_icon=\u00a0\u00bb&#x4b;||divi||400&Prime; _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#0C8EC0&Prime; title_font=\u00a0\u00bbAsap Condensed|600|||||||\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_line_height=\u00a0\u00bb1.3em\u00a0\u00bb body_link_text_color=\u00a0\u00bb#0C8EC0&Prime; body_ul_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||9px|||\u00a0\u00bb custom_padding=\u00a0\u00bb9px||9px||true|false\u00a0\u00bb border_width_all=\u00a0\u00bb3px\u00a0\u00bb border_color_all=\u00a0\u00bb#0C8EC0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Les principales conditions d&rsquo;admissibilit\u00e9 au RAP sont les suivantes:<\/p>\n<ul>\n<li><strong>\u00catre r\u00e9sident canadien<\/strong><\/li>\n<li><strong>\u00catre acheteur d&rsquo;une premi\u00e8re propri\u00e9t\u00e9<\/strong> (vous ou votre conjoint n&rsquo;avez poss\u00e9d\u00e9 aucune propri\u00e9t\u00e9 au Canada dans les quatre derni\u00e8res ann\u00e9es. En cas de s\u00e9paration, vous pourriez \u00eatre \u00e9ligible sous certaines conditions et ce, m\u00eame si vous avez \u00e9t\u00e9 propri\u00e9taire.<\/li>\n<li><strong>Acheter une habitation admissible<\/strong>: une maison, un appartement, un condominium, une maison mobile, ou tout autre type d&rsquo;habitation pouvant \u00eatre utilis\u00e9e comme r\u00e9sidence principale<\/li>\n<\/ul>\n<p>Consultez le <a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/reer-regimes-connexes\/est-regime-accession-a-propriete.html\">site<\/a> de l&rsquo;Agence du Revenu du Canada pour plus de d\u00e9tails.<\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_3,2_3&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#0C8EC0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbAsap Condensed|600|||||||\u00a0\u00bb header_4_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_4_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font_size=\u00a0\u00bb30px\u00a0\u00bb custom_margin=\u00a0\u00bb||6px|||\u00a0\u00bb custom_padding=\u00a0\u00bb15px|30px||30px|false|true\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h4>Compte d\u2019\u00e9pargne libre d\u2019imp\u00f4t pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 (CELIAPP)<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb2_3&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_font_size=\u00a0\u00bb20px\u00a0\u00bb text_line_height=\u00a0\u00bb1.2em\u00a0\u00bb custom_margin=\u00a0\u00bb||13px|||\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p style=\"text-align: left;\">Le CELIAPP\u00a0 est une variante du Compte d&rsquo;\u00c9pargne Libre d&rsquo;Imp\u00f4t (CELI) \u00e9galement con\u00e7ue pour l&rsquo;accession \u00e0 la propri\u00e9t\u00e9.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; text_line_height=\u00a0\u00bb1.4em\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Le <strong>CELIAPP<\/strong> est un r\u00e9gime d\u2019\u00e9pargne sp\u00e9cialement con\u00e7u pour aider les acheteurs d\u2019une premi\u00e8re propri\u00e9t\u00e9 \u00e0 accumuler une mise de fonds.<\/p>\n<p>\u00c0 l\u2019image du CELI, les sommes investies dans un CELIAPP peuvent cro\u00eetre \u00e0 l\u2019abri de l\u2019imp\u00f4t. Contrairement au RAP, les montants retir\u00e9s du CELIAPP pour l\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 <strong>n\u2019ont pas \u00e0 \u00eatre rembours\u00e9s<\/strong>.<\/p>\n<p>Le CELIAPP peut donc constituer un outil compl\u00e9mentaire int\u00e9ressant pour les acheteurs qui planifient leur projet d\u2019achat \u00e0 moyen ou long terme.<\/p>\n<p>[\/et_pb_text][et_pb_toggle title=\u00a0\u00bbMaximum\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#0C8EC0&Prime; icon_color=\u00a0\u00bb#0C8EC0&Prime; toggle_icon=\u00a0\u00bb&#x4c;||divi||400&Prime; open_icon_color=\u00a0\u00bb#0C8EC0&Prime; open_toggle_icon=\u00a0\u00bb&#x4b;||divi||400&Prime; _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#0C8EC0&Prime; title_font=\u00a0\u00bbAsap Condensed|600|||||||\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_line_height=\u00a0\u00bb1.3em\u00a0\u00bb custom_margin=\u00a0\u00bb||9px|||\u00a0\u00bb custom_padding=\u00a0\u00bb9px||9px||true|false\u00a0\u00bb border_width_all=\u00a0\u00bb3px\u00a0\u00bb border_color_all=\u00a0\u00bb#0C8EC0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Le plafond de contribution annuelle est de 8000$ alors que le maximum cumulatif \u00e0 ne pas d\u00e9passer a \u00e9t\u00e9 fix\u00e9 \u00e0 40 000$.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00a0\u00bbConditions d&rsquo;admissibilit\u00e9\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#0C8EC0&Prime; icon_color=\u00a0\u00bb#0C8EC0&Prime; toggle_icon=\u00a0\u00bb&#x4c;||divi||400&Prime; open_icon_color=\u00a0\u00bb#0C8EC0&Prime; open_toggle_icon=\u00a0\u00bb&#x4b;||divi||400&Prime; _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#0C8EC0&Prime; title_font=\u00a0\u00bbAsap Condensed|600|||||||\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_line_height=\u00a0\u00bb1.3em\u00a0\u00bb body_link_text_color=\u00a0\u00bb#0C8EC0&Prime; body_ul_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||9px|||\u00a0\u00bb custom_padding=\u00a0\u00bb9px||9px||true|false\u00a0\u00bb border_width_all=\u00a0\u00bb3px\u00a0\u00bb border_color_all=\u00a0\u00bb#0C8EC0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Les principales conditions d&rsquo;admissibilit\u00e9 au CELIAPP sont les suivantes:<\/p>\n<ul>\n<li><strong>\u00catre r\u00e9sident canadien<\/strong><\/li>\n<li><strong>Avoir 18 ans ou plus<\/strong><\/li>\n<li><strong>Ne pas avoir \u00e9t\u00e9 propri\u00e9taire dans les 4 derni\u00e8res ann\u00e9es<\/strong><\/li>\n<li><strong>Remplir le formulaire RC725 pour effectuer un retrait admissible de votre CELIAPP<\/strong><\/li>\n<\/ul>\n<p>Consultez le<a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/compte-epargne-libre-impot-achat-premiere-propriete.html\" target=\"_blank\" rel=\"noopener\"> site <\/a>de l&rsquo;Agence du Revenu du Canada pour plus de d\u00e9tails.<\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#0C8EC0&Prime; custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb35px|40px|35px|40px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_heading title=\u00a0\u00bbTypes de mises de fonds accept\u00e9es\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_level=\u00a0\u00bbh3&Prime; title_font=\u00a0\u00bb|700|||||||\u00a0\u00bb title_text_align=\u00a0\u00bbcenter\u00a0\u00bb title_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_heading][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|600|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_line_height=\u00a0\u00bb1.4em\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<p>La mise de fonds peut provenir de diff\u00e9rentes sources, selon le profil de l\u2019acheteur, le type de propri\u00e9t\u00e9 et les exigences des pr\u00eateurs. Parmi les options couramment accept\u00e9es\u202f:<\/p>\n<ul>\n<li>\u00c9pargne personnelle<\/li>\n<li>\u00c9pargne provenant d\u2019un CELI, d\u2019un REER ou d\u2019un CELIAPP<\/li>\n<li>Retrait d\u2019un REER dans le cadre du RAP<\/li>\n<li>Don familial, sous certaines conditions<\/li>\n<li>\u00c9quit\u00e9 provenant d\u2019une propri\u00e9t\u00e9 existante<\/li>\n<li>Autres strat\u00e9gies possibles selon la situation financi\u00e8re<\/li>\n<\/ul>\n<p>Chaque source de mise de fonds doit \u00eatre analys\u00e9e afin de s\u2019assurer qu\u2019elle respecte les crit\u00e8res des pr\u00eateurs et qu\u2019elle s\u2019int\u00e8gre ad\u00e9quatement au projet d\u2019achat.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_text_color=\u00a0\u00bb#0C8EC0&Prime; header_font_size=\u00a0\u00bb20px\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; next_background_color=\u00a0\u00bb#ffffff\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#0C8EC0&Prime; custom_padding=\u00a0\u00bb||80px|||\u00a0\u00bb bottom_divider_style=\u00a0\u00bbcurve\u00a0\u00bb bottom_divider_height=\u00a0\u00bb50px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb12px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb24px\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_3_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb header_font_tablet=\u00a0\u00bb\u00a0\u00bb header_font_phone=\u00a0\u00bb\u00a0\u00bb header_font_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb text_line_height=\u00a0\u00bb1.3em\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<h3><strong>Une approche personnalis\u00e9e est essentielle\u00a0<\/strong><\/h3>\n<p>Les programmes gouvernementaux et les diff\u00e9rentes sources de mise de fonds peuvent offrir de r\u00e9elles possibilit\u00e9s, mais <strong>ils ne conviennent pas \u00e0 toutes les situations<\/strong>. Une analyse personnalis\u00e9e permet de d\u00e9terminer quelles options sont r\u00e9ellement adapt\u00e9es \u00e0 votre r\u00e9alit\u00e9 financi\u00e8re et \u00e0 vos objectifs.<\/p>\n<p>Un accompagnement professionnel aide \u00e0 structurer une strat\u00e9gie coh\u00e9rente, en tenant compte de l\u2019achat, du financement hypoth\u00e9caire et de l\u2019ensemble de la situation financi\u00e8re.<\/p>\n<p>[\/et_pb_text][et_pb_heading _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb3px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_heading][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_image=\u00a0\u00bboff\u00a0\u00bb background_position=\u00a0\u00bbbottom_center\u00a0\u00bb custom_padding=\u00a0\u00bb||0px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb2_5,3_5&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb18px||34px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb2_5&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font=\u00a0\u00bbAsap Condensed|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#0C8EC0&Prime; header_2_font_size=\u00a0\u00bb40px\u00a0\u00bb custom_margin=\u00a0\u00bb||10px|||\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Autres programmes<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb20px\u00a0\u00bb text_line_height=\u00a0\u00bb1.3em\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Il existe d&rsquo;autres programmes au f\u00e9d\u00e9ral et au provincial pour aider les premiers acheteurs \u00e0 acc\u00e9der \u00e0 la propri\u00e9t\u00e9 de leur r\u00eave.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb3_5&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_toggle title=\u00a0\u00bbCr\u00e9dit d&rsquo;imp\u00f4t pour l&rsquo;achat d&rsquo;une premi\u00e8re maison\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#000000&Prime; open_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb closed_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb icon_color=\u00a0\u00bb#0C8EC0&Prime; toggle_icon=\u00a0\u00bb&#x43;||divi||400&Prime; use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb icon_font_size=\u00a0\u00bb26px\u00a0\u00bb open_icon_color=\u00a0\u00bb#0C8EC0&Prime; open_toggle_icon=\u00a0\u00bb&#x42;||divi||400&Prime; open_use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb open_icon_font_size=\u00a0\u00bb26px\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#000000&Prime; title_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb title_font_size=\u00a0\u00bb25px\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; body_link_font=\u00a0\u00bb|700|||||||\u00a0\u00bb body_link_text_color=\u00a0\u00bb#0C8EC0&Prime; custom_margin=\u00a0\u00bb||2px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px|||\u00a0\u00bb border_width_all=\u00a0\u00bb0px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span style=\"font-weight: 400;\">Il existe \u00e9galement un cr\u00e9dit d&rsquo;imp\u00f4t pour les acheteurs d&rsquo;une premi\u00e8re maison, qui permet de r\u00e9duire l&rsquo;imp\u00f4t \u00e0 payer. Ce cr\u00e9dit peut \u00eatre r\u00e9clam\u00e9 lors de la d\u00e9claration de revenus et peut repr\u00e9senter une \u00e9conomie substantielle.\u00a0 Les deux paliers de gouvernement offre un cr\u00e9dit d\u2019imp\u00f4t consultez les d\u00e9tails via les liens suivants :<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/programmes\/a-propos-agence-revenu-canada-arc\/budgets-gouvernement-federal\/budget-2022-plan-faire-croitre-notre-economie-rendre-vie-plus-abordable\/credit-impot-achat-premiere-habitation.htm\" target=\"_blank\" rel=\"noopener\">F\u00e9d\u00e9ral<\/a>\u00a0 \u00a0|<\/span><span style=\"font-weight: 400;\">\u00a0 \u00a0<\/span><strong><a href=\"https:\/\/www.revenuquebec.ca\/fr\/citoyens\/credits-dimpot\/credit-dimpot-pour-achat-dune-habitation\/\" target=\"_blank\" rel=\"noopener\">Provincial<\/a><\/strong><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=\u00a0\u00bbSubventions ou cr\u00e9dit de taxes\u00a0\u00bb open_toggle_text_color=\u00a0\u00bb#000000&Prime; open_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb closed_toggle_background_color=\u00a0\u00bbrgba(255,255,255,0.63)\u00a0\u00bb icon_color=\u00a0\u00bb#0C8EC0&Prime; toggle_icon=\u00a0\u00bb&#x43;||divi||400&Prime; use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb icon_font_size=\u00a0\u00bb26px\u00a0\u00bb open_icon_color=\u00a0\u00bb#0C8EC0&Prime; open_toggle_icon=\u00a0\u00bb&#x42;||divi||400&Prime; open_use_icon_font_size=\u00a0\u00bbon\u00a0\u00bb open_icon_font_size=\u00a0\u00bb26px\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#000000&Prime; title_font=\u00a0\u00bbAsap Condensed||||||||\u00a0\u00bb title_font_size=\u00a0\u00bb25px\u00a0\u00bb body_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb body_text_color=\u00a0\u00bb#000000&Prime; custom_margin=\u00a0\u00bb||2px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px|||\u00a0\u00bb border_width_all=\u00a0\u00bb0px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span style=\"font-weight: 400;\">Enfin, certaines municipalit\u00e9s dont la ville de Montr\u00e9al offrent des subventions ou cr\u00e9dits de taxes pour l\u2019achat de propri\u00e9t\u00e9 neuve ou existante. Retrouvez les <a href=\"https:\/\/montreal.ca\/programmes\/programme-dappui-lacquisition-residentielle\" target=\"_blank\" rel=\"noopener\">d\u00e9tails<\/a> du programme. <\/span><\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb admin_label=\u00a0\u00bbCall to Action\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb use_background_color_gradient=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_stops=\u00a0\u00bbrgba(0,0,0,0.91) 0%|rgba(0,0,0,0.08) 100%\u00a0\u00bb background_color_gradient_overlays_image=\u00a0\u00bbon\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/www.tauxhypotheques.com\/wp-content\/uploads\/2024\/03\/Untitled-design-2024-03-24T161942.348.jpg\u00a0\u00bb width_tablet=\u00a0\u00bb100%\u00a0\u00bb width_phone=\u00a0\u00bb100%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_margin=\u00a0\u00bb14px|0px|0px|0px|false|true\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb8px||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb44px|0px|0px|0px|false|true\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb custom_padding=\u00a0\u00bb||47px|||\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb||5px||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb8px||1px||false|false\u00a0\u00bb background_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb use_background_color_gradient_tablet=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_stops_tablet=\u00a0\u00bb#000000 0%|rgba(0,0,0,0.08) 100%\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb collapsed=\u00a0\u00bbon\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_3,2_3&Prime; use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb make_equal=\u00a0\u00bbon\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb89%\u00a0\u00bb max_width=\u00a0\u00bb1698px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_image=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/www.tauxhypotheques.com\/wp-content\/uploads\/2024\/02\/Untitled-design-39.png\u00a0\u00bb title_text=\u00a0\u00bbUntitled design (39)\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb max_width_tablet=\u00a0\u00bb30%\u00a0\u00bb max_width_phone=\u00a0\u00bb30%\u00a0\u00bb max_width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb2_3&Prime; _builder_version=\u00a0\u00bb4.22.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bb932fbdc1-a471-4c2a-a146-8952fcabbb70&Prime; text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_2_font=\u00a0\u00bbAlata|700|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#0C8EC0&Prime; custom_margin=\u00a0\u00bb11px||10px||false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb11px||10px||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb-8px||10px||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><span style=\"color: #ffffff;\">Quels programmes s&rsquo;offrent <span style=\"color: #0c8ec0;\">\u00e0 vous?<\/span><\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.22.2&Prime; _module_preset=\u00a0\u00bb360d3288-b2b5-4b4f-a33c-ff1919f731fe\u00a0\u00bb text_font=\u00a0\u00bbOpen Sans|600|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_line_height=\u00a0\u00bb1.3em\u00a0\u00bb custom_margin=\u00a0\u00bb||23px|||\u00a0\u00bb text_text_color_tablet=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_text_color_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Un courtier hypoth\u00e9caire peut vous aider \u00e0 v\u00e9rifier les crit\u00e8res d\u2019admissibilit\u00e9 et les conditions applicables \u00e0 votre situation. Ensemble, il est possible d\u2019identifier les options les plus appropri\u00e9es afin de structurer un projet d\u2019achat r\u00e9aliste et adapt\u00e9 \u00e0 votre r\u00e9alit\u00e9.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=\u00a0\u00bb@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjMwNzM5NyJ9fQ==@\u00a0\u00bb button_text=\u00a0\u00bbenvie de discuter?\u00a0\u00bb _builder_version=\u00a0\u00bb4.22.2&Prime; _dynamic_attributes=\u00a0\u00bbbutton_url\u00a0\u00bb _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_bg_color=\u00a0\u00bb#0C8EC0&Prime; button_border_width=\u00a0\u00bb0px\u00a0\u00bb button_font=\u00a0\u00bbOpen Sans|700||on|||||\u00a0\u00bb custom_margin=\u00a0\u00bb19px||29px|||\u00a0\u00bb button_text_size_tablet=\u00a0\u00bb\u00a0\u00bb button_text_size_phone=\u00a0\u00bb16px\u00a0\u00bb button_text_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Passer de locataire \u00e0 propri\u00e9taire est un projet important qui demande une bonne planification financi\u00e8re. Les programmes d\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 sont des initiatives gouvernementales con\u00e7ues pour aider les acheteurs, notamment les premiers acheteurs, \u00e0 r\u00e9aliser leur projet immobilier. Ces programmes visent \u00e0 faciliter l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en offrant diff\u00e9rents outils d\u2019\u00e9pargne et de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Programmes d&#039;acc\u00e8s \u00e0 la propri\u00e9t\u00e9 et mises de fonds - Les Architectes hypoth\u00e9caires<\/title>\r\n<meta name=\"description\" content=\"Les programmes d&#039;acc\u00e8s \u00e0 la propri\u00e9t\u00e9 sont des initiatives gouvernementales con\u00e7ues pour aider les acheteurs \u00e0 devenir propri\u00e9taire.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.tauxhypotheques.com\/index.php\/programmes-dacces-a-la-propriete\/\" \/>\r\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Programmes d&#039;acc\u00e8s \u00e0 la propri\u00e9t\u00e9 et mises de fonds - 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