{"id":308375,"date":"2026-08-06T15:36:52","date_gmt":"2026-08-06T15:36:52","guid":{"rendered":"https:\/\/www.tauxhypotheques.com\/?page_id=308375"},"modified":"2026-09-29T18:02:42","modified_gmt":"2026-09-29T18:02:42","slug":"calculateur-du-revenu-requis-pour-acheter","status":"publish","type":"page","link":"https:\/\/www.tauxhypotheques.com\/index.php\/calculateur-du-revenu-requis-pour-acheter\/","title":{"rendered":"Calculateur du revenu requis pour acheter"},"content":{"rendered":"\n[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/www.tauxhypotheques.com\/wp-content\/uploads\/2026\/07\/banniere-sans-texte-site-internet-2.png\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb min_height=\u00a0\u00bb450px\u00a0\u00bb custom_margin=\u00a0\u00bb20px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||46px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1200px\u00a0\u00bb min_height=\u00a0\u00bb62.8px\u00a0\u00bb custom_margin=\u00a0\u00bb-12px|auto|-12px|auto|true|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|600|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#1e3a8a\u00a0\u00bb text_font_size=\u00a0\u00bb35px\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#0C71C3&Prime; header_font_size=\u00a0\u00bb75px\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#0c71c3&Prime; module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb|||25px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p style=\"text-align: center;\">\n<p style=\"text-align: center;\">\n<p style=\"text-align: center;\">Revenu requis pour acheter<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1200px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|600|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#e8a020&Prime; text_font_size=\u00a0\u00bb25px\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb header_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#0C71C3&Prime; header_font_size=\u00a0\u00bb75px\u00a0\u00bb custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb custom_padding=\u00a0\u00bb|45px||65px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p style=\"text-align: center;\">Estimez le revenu n\u00e9cessaire pour qualifier votre projet hypoth\u00e9caire.<\/p>\n<div style=\"text-align: center;\"><\/div>\n<p>&nbsp;<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; 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Si vous \u00eates travailleur autonome, votre revenu admissible est calcul\u00e9 diff\u00e9remment (moyenne major\u00e9e ou m\u00e9thodes sp\u00e9cifiques aux pr\u00eateurs). Consultez plut\u00f4t le <a href=\"https:\/\/www.tauxhypotheques.com\/index.php\/revenu-admissible-travailleur-autonome\/\" style=\"color:#1E3A8A;font-weight:700;\">calculateur Revenu admissible \u2014 Travailleur autonome<\/a>.\r\n  <\/div>\r\n<\/div>\r\n\r\n<div class=\"rv-grid\">\r\n<div id=\"rv-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre projet<\/div>\r\n  <label class=\"lbl\">Prix d'achat ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-prix\" value=\"400000\" min=\"0\" step=\"5000\" oninput=\"onRvPrixChange()\">\r\n  <label class=\"lbl\">Mise de fonds ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-mdf\" value=\"20000\" min=\"0\" step=\"1000\" oninput=\"calcRev()\">\r\n  <label style=\"display:flex;align-items:flex-start;gap:8px;margin-top:6px;font-size:13px;color:#5B6472;cursor:pointer;\">\r\n    <input type=\"checkbox\" id=\"rv-mdf-auto\" checked onchange=\"onRvPrixChange()\" style=\"margin-top:3px;\">\r\n    <span>Utiliser la mise de fonds minimale estim\u00e9e<\/span>\r\n  <\/label>\r\n  <div class=\"hlp\" id=\"rv-mdf-pct\">5,0 % du prix d'achat<\/div>\r\n  <div class=\"hlp\" id=\"rv-mdf-min-info\">\u2014<\/div>\r\n  <label class=\"lbl\">Taux contractuel offert (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcRev()\">\r\n  <div class=\"info-taux\">\r\n    \ud83d\udca1 <strong>Taux de qualification :<\/strong> <span id=\"rv-taux-qual\">\u2014<\/span><br>\r\n    Le versement est calcul\u00e9 au taux de qualification \u2014 le plus \u00e9lev\u00e9 entre <strong>5,25 %<\/strong> et votre taux + 2 %.\r\n  <\/div>\r\n  <label class=\"lbl\">Amortissement<\/label>\r\n  <select class=\"inp\" id=\"rv-amort\" onchange=\"calcRev()\">\r\n    <option value=\"25\" selected>25 ans<\/option>\r\n    <option value=\"30\">30 ans<\/option>\r\n  <\/select>\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">D\u00e9penses et dettes<\/div>\r\n  <label class=\"lbl\">Taxes municipales + scolaires ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-taxes\" value=\"267\" min=\"0\" oninput=\"calcRev()\">\r\n  <div class=\"hlp\">Estim\u00e9es \u00e0 0,80 % du prix \u00d7 6\/12 \u2014 modifiable<\/div>\r\n  <label class=\"lbl\">Frais de chauffage ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-chauffage\" value=\"125\" min=\"0\" oninput=\"calcRev()\">\r\n  <label class=\"lbl\">Frais de condo ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-condo\" value=\"0\" min=\"0\" oninput=\"calcRev()\">\r\n  <div class=\"hlp\">50 % des frais de condo sont inclus dans le calcul ABD<\/div>\r\n  <label class=\"lbl\">Autres dettes mensuelles ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-dettes\" value=\"0\" min=\"0\" oninput=\"calcRev()\">\r\n  <div class=\"hlp\">Versements mensuels : auto, pr\u00eats personnels, cartes de cr\u00e9dit (5 % du solde), marges de cr\u00e9dit (3 % du solde)<\/div>\r\n  <div class=\"info-dettes\">\r\n    <strong style=\"color:#1E3A8A;\">\ud83d\udca1 Comment estimer vos versements de dettes ?<\/strong><br>\r\n    \u2192 <strong>Carte de cr\u00e9dit<\/strong> : 5 % du solde (ex. 10 000 $ = 500 $\/mois)<br>\r\n    \u2192 <strong>Marge de cr\u00e9dit<\/strong> : 3 % du solde (ex. 15 000 $ = 450 $\/mois)<br>\r\n    \u2192 <strong>Pr\u00eat auto \/ personnel<\/strong> : versement mensuel r\u00e9el\r\n  <\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"rv-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <div class=\"sum-box\">\r\n    <div class=\"sum-row\"><span>Prix d'achat<\/span><strong id=\"rv-s-prix\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Mise de fonds<\/span><strong id=\"rv-s-mdf\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Prime SCHL (si applicable)<\/span><strong id=\"rv-s-prime\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Montant financ\u00e9<\/span><strong id=\"rv-s-pret\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Taux contractuel<\/span><strong id=\"rv-s-tcontrat\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Taux de qualification (stress test)<\/span><strong id=\"rv-s-tqual\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Versement au taux de qualification<\/span><strong id=\"rv-s-vers\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Taxes (mensuel)<\/span><strong id=\"rv-s-taxes\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Chauffage<\/span><strong id=\"rv-s-chauf\">\u2014<\/strong><\/div>\r\n  <\/div>\r\n\r\n  <div id=\"rv-alerte-schl\" class=\"alerte-schl\">\r\n    \u26a0 Une prime d'assurance SCHL s'applique avec cette mise de fonds \u2014 elle est ajout\u00e9e au montant financ\u00e9.\r\n  <\/div>\r\n\r\n  <div class=\"result-hero\">\r\n    <div class=\"lbl-r\">Revenu brut annuel minimum requis<\/div>\r\n    <div class=\"val\" id=\"rv-rev-final\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"rv-rev-note\">\u2014<\/div>\r\n  <\/div>\r\n\r\n  <div id=\"rv-facteur-box\" class=\"facteur-box facteur-abd\"><\/div>\r\n\r\n  <div class=\"cta-box\">\r\n    <p><strong>Travailleur autonome ou revenu variable ?<\/strong><br>\r\n    Le revenu utilis\u00e9 pour qualifier un travailleur autonome est calcul\u00e9 diff\u00e9remment. Votre revenu net r\u00e9el pourrait vous permettre d'acc\u00e9der \u00e0 la propri\u00e9t\u00e9 m\u00eame si ce calculateur affiche un r\u00e9sultat diff\u00e9rent de votre situation.<\/p>\r\n    <a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Discutons de votre projet \u2192<\/a>\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"rev-note\">\r\nLe versement est calcul\u00e9 au taux de qualification (stress test) impos\u00e9 par le BSIF \u2014 le plus \u00e9lev\u00e9 entre 5,25 % et votre taux contractuel + 2 %. Les ratios ABD (39 %) et ATD (44 %) correspondent aux normes conventionnelles. Les crit\u00e8res r\u00e9els varient selon le pr\u00eateur et votre profil. <strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse personnalis\u00e9e.<\/strong>\r\n<\/div>\r\n<\/div>\r\n\r\n<script>\r\nfunction fmtCAD(n){return n.toLocaleString('fr-CA',{style:'currency',currency:'CAD',minimumFractionDigits:0,maximumFractionDigits:0});}\r\nfunction fmtPct(n){return n.toFixed(2)+' %';}\r\nfunction pRate(a,p){var r=a\/100;return Math.pow(Math.pow(1+r\/2,2),1\/p)-1;}\r\nfunction calcPmt(b,r,n){if(r===0)return b\/n;return b*r\/(1-Math.pow(1+r,-n));}\r\nfunction calcMDFMin(prix){if(prix<=500000)return prix*0.05;if(prix<1500000)return 25000+(prix-500000)*0.10;return prix*0.20;}\r\nfunction calcPrime(prix,mdf,amort){\r\n  var ltv=(prix-mdf)\/prix;\r\n  var tp=ltv<=0.80?0:ltv<=0.85?0.028:ltv<=0.90?0.031:ltv<=0.95?0.04:null;\r\n  if(tp===null)return null;\r\n  if(tp>0&&amort>25)tp+=0.002;\r\n  return tp;\r\n}\r\n\r\nfunction onRvPrixChange(){\r\n  var prix=parseFloat(document.getElementById('rv-prix').value)||0;\r\n  var mdfMin=calcMDFMin(prix);\r\n  var autoEl=document.getElementById('rv-mdf-auto');\r\n  var mdfInput=document.getElementById('rv-mdf');\r\n  if(autoEl&&autoEl.checked){mdfInput.value=Math.round(mdfMin);mdfInput.readOnly=true;}\r\n  else{mdfInput.readOnly=false;}\r\n  document.getElementById('rv-mdf-min-info').innerHTML='Minimum estim\u00e9 : <strong>'+fmtCAD(mdfMin)+'<\/strong>';\r\n  document.getElementById('rv-taxes').value=Math.round(prix*0.008\/12);\r\n  calcRev();\r\n}\r\n\r\nfunction calcRev(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var prix=parseFloat(el('rv-prix').value)||0;\r\n  var mdf=parseFloat(el('rv-mdf').value)||0;\r\n  var tauxContrat=parseFloat(el('rv-taux').value)||0;\r\n  var amort=parseInt(el('rv-amort').value)||25;\r\n  var taxes=parseFloat(el('rv-taxes').value)||0;\r\n  var chauf=parseFloat(el('rv-chauffage').value)||0;\r\n  var condo=parseFloat(el('rv-condo').value)||0;\r\n  var dettes=parseFloat(el('rv-dettes').value)||0;\r\n\r\n  \/\/ Taux de qualification (stress test)\r\n  var tqual=Math.max(5.25,tauxContrat+2);\r\n  el('rv-taux-qual').textContent=fmtPct(tqual);\r\n  el('rv-s-tcontrat').textContent=fmtPct(tauxContrat);\r\n  el('rv-s-tqual').textContent=fmtPct(tqual)+' (stress test)';\r\n\r\n  \/\/ Mise de fonds %\r\n  var mdfPct=prix>0?(mdf\/prix*100):0;\r\n  el('rv-mdf-pct').textContent=mdfPct.toFixed(1)+' % du prix d\\'achat';\r\n\r\n  \/\/ Prime SCHL\r\n  var tp=calcPrime(prix,mdf,amort);\r\n  var pretBase=Math.max(0,prix-mdf);\r\n  var prime=tp!==null&&tp>0?pretBase*tp:0;\r\n  var pret=pretBase+prime;\r\n\r\n  \/\/ Versement AU TAUX DE QUALIFICATION\r\n  var rQual=pRate(tqual,12);\r\n  var nT=amort*12;\r\n  var vers=calcPmt(pret,rQual,nT);\r\n\r\n  \/\/ Revenu requis ABD = (vers + taxes + chauf + 50%condo) \/ 0.39\r\n  var abdNum=vers+taxes+chauf+condo*0.5;\r\n  var revABD=abdNum\/0.39*12;\r\n\r\n  \/\/ Revenu requis ATD = (vers + taxes + chauf + 50%condo + dettes) \/ 0.44\r\n  var atdNum=abdNum+dettes;\r\n  var revATD=atdNum\/0.44*12;\r\n\r\n  \/\/ Revenu final = le plus \u00e9lev\u00e9\r\n  var revFinal=Math.max(revABD,revATD);\r\n  var facteurLimitant=revATD>revABD?'ATD':'ABD';\r\n\r\n  \/\/ Affichage sommaire\r\n  el('rv-s-prix').textContent=fmtCAD(prix);\r\n  el('rv-s-mdf').textContent=fmtCAD(mdf);\r\n  el('rv-s-prime').textContent=prime>0?fmtCAD(prime):'Aucune';\r\n  el('rv-s-pret').textContent=fmtCAD(pret);\r\n  el('rv-s-vers').textContent=fmtCAD(vers)+'\/mois';\r\n  el('rv-s-taxes').textContent=fmtCAD(taxes)+'\/mois';\r\n  el('rv-s-chauf').textContent=fmtCAD(chauf)+'\/mois';\r\n\r\n  \/\/ Alerte SCHL\r\n  el('rv-alerte-schl').style.display=prime>0?'block':'none';\r\n\r\n  \/\/ R\u00e9sultat final\r\n  el('rv-rev-final').textContent=fmtCAD(revFinal);\r\n  el('rv-rev-note').textContent='Calcul\u00e9 au taux de qualification de '+fmtPct(tqual);\r\n\r\n  \/\/ Facteur limitant\r\n  var factBox=el('rv-facteur-box');\r\n  if(facteurLimitant==='ABD'){\r\n    factBox.className='facteur-box facteur-abd';\r\n    factBox.innerHTML='<strong>Facteur limitant : ABD (co\u00fbts logement)<\/strong><br>Co\u00fbts logement mensuels : '+fmtCAD(abdNum)+' \u00f7 39 % = '+fmtCAD(revABD\/12)+'\/mois requis'+(dettes>0?'<br>Ratio ATD : '+fmtCAD(atdNum)+' \u00f7 44 % = '+fmtCAD(revATD\/12)+'\/mois requis (moins contraignant)':'');\r\n  }else{\r\n    factBox.className='facteur-box facteur-atd';\r\n    factBox.innerHTML='<strong>Facteur limitant : ATD (toutes dettes)<\/strong><br>Vos dettes augmentent le revenu requis.<br>Sans dettes, le revenu requis serait de '+fmtCAD(revABD);\r\n  }\r\n}\r\n\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',onRvPrixChange);\r\n}else{\r\n  onRvPrixChange();\r\n}\r\n<\/script>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Revenu requis pour acheterEstimez le revenu n\u00e9cessaire pour qualifier votre projet hypoth\u00e9caire. &nbsp;<style>\r\n#rev-wrap{font-family:Inter,Arial,sans-serif;font-size:16px;line-height:1.5;color:#1B2430;background:#F7F5F0;padding:32px 22px 60px;border-radius:12px;}\r\n#rev-wrap *{box-sizing:border-box;}\r\n#rev-hdr{padding-bottom:20px;margin-bottom:24px;border-bottom:2px solid #E3DFD4;}\r\n#rev-eyebrow{display:block;font-family:monospace;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#1E3A8A;font-weight:700;margin-bottom:10px;}\r\n#rev-title{font-family:Georgia,serif;font-weight:500;font-size:clamp(22px,3.5vw,32px);margin-bottom:8px;color:#1B2430;line-height:1.2;}\r\n#rev-sub{font-size:15px;color:#5B6472;line-height:1.55;}\r\n.rv-grid{display:grid;grid-template-columns:380px 1fr;gap:24px;align-items:start;}\r\n@media(max-width:900px){.rv-grid{grid-template-columns:1fr;}}\r\n.pnl{background:#fff;border:1px solid #E3DFD4;border-radius:10px;padding:22px;margin-bottom:18px;}\r\n.pnl-t{font-family:Georgia,serif;font-weight:500;font-size:17px;color:#1B2430;margin-bottom:16px;}\r\n.lbl{display:block;font-size:13px;font-weight:700;color:#5B6472;margin-top:14px;margin-bottom:5px;}\r\n.lbl:first-child{margin-top:0;}\r\n.hlp{font-size:12px;color:#5B6472;margin-top:4px;line-height:1.4;}\r\n.inp{display:block;width:100%;padding:10px 12px;border:1.5px solid #E3DFD4;border-radius:7px;font-family:monospace;font-size:15px;color:#1B2430;background:#FCFBF8;outline:none;}\r\n.inp:focus{border-color:#1E3A8A;box-shadow:0 0 0 3px rgba(30,58,138,.12);}\r\n.sep{border:none;border-top:1px solid #E3DFD4;margin:14px 0;}\r\n.sum-box{padding:14px;border-radius:9px;background:#F7F5F0;border:1px solid #E3DFD4;margin-bottom:14px;}\r\n.sum-row{display:flex;justify-content:space-between;gap:12px;font-size:15px;padding:5px 0;border-bottom:1px solid #F0EDE6;}\r\n.sum-row:last-child{border-bottom:none;}\r\n.sum-row strong{font-family:monospace;text-align:right;}\r\n.result-hero{background:#1B2430;border-radius:12px;padding:24px;text-align:center;margin-bottom:16px;}\r\n.result-hero .lbl-r{font-size:12px;font-weight:700;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px;}\r\n.result-hero .val{font-family:monospace;font-size:36px;font-weight:700;color:#E8A020;margin-bottom:6px;}\r\n.result-hero .sub{font-size:14px;color:rgba(255,255,255,.75);line-height:1.5;}\r\n.facteur-box{border-radius:8px;padding:12px 16px;margin-bottom:14px;font-size:14px;line-height:1.5;}\r\n.facteur-abd{background:#EEF4FF;border:1.5px solid #1E3A8A;color:#1E3A8A;}\r\n.facteur-atd{background:#FFF4E8;border:1.5px solid #E8A020;color:#7C5A00;}\r\n.info-taux{margin-top:10px;padding:10px 13px;border-radius:8px;background:#EEF4FF;border:1.5px solid #1E3A8A;font-size:13px;color:#1B2430;line-height:1.6;}\r\n.alerte-schl{display:none;padding:10px 13px;border-radius:8px;background:#FFF4E8;border:1px solid #F97316;font-size:13px;color:#B5482A;line-height:1.5;margin-bottom:12px;}\r\n.info-dettes{margin-top:10px;padding:10px 13px;border-radius:8px;background:#EEF4FF;border:1.5px solid #1E3A8A;font-size:13px;color:#1B2430;line-height:1.7;}\r\n.cta-box{margin-top:16px;padding:18px 20px;border-radius:10px;background:#1B2430;color:#fff;}\r\n.cta-box p{font-size:15px;line-height:1.6;margin-bottom:12px;color:rgba(255,255,255,.85);}\r\n.cta-btn{display:inline-block;padding:12px 22px;background:#E8A020;color:#fff;text-decoration:none;border-radius:8px;font-size:14px;font-weight:700;}\r\n#rev-note{margin-top:22px;font-size:12px;color:#5B6472;line-height:1.6;border-top:1px solid #E3DFD4;padding-top:14px;}\r\n<\/style>\r\n\r\n<div id=\"rev-wrap\">\r\n<div id=\"rev-hdr\">\r\n  <span id=\"rev-eyebrow\">Calculateur hypoth\u00e9caire<\/span>\r\n  <div id=\"rev-title\">Quel revenu est requis pour acheter ?<\/div>\r\n  <div id=\"rev-sub\">Estimez le revenu brut annuel n\u00e9cessaire pour qualifier votre projet selon les normes hypoth\u00e9caires canadiennes \u2014 calcul effectu\u00e9 au taux de qualification (stress test).<\/div>\r\n  <div style=\"margin-top:14px;padding:12px 16px;border-radius:8px;background:#EEF4FF;border:1.5px solid #1E3A8A;font-size:13px;color:#1B2430;line-height:1.6;\">\r\n    \ud83d\udca1 <strong>Ce calculateur s'adresse aux salari\u00e9s<\/strong> \u2014 il utilise le revenu brut annuel. Si vous \u00eates travailleur autonome, votre revenu admissible est calcul\u00e9 diff\u00e9remment (moyenne major\u00e9e ou m\u00e9thodes sp\u00e9cifiques aux pr\u00eateurs). Consultez plut\u00f4t le <a href=\"https:\/\/www.tauxhypotheques.com\/index.php\/revenu-admissible-travailleur-autonome\/\" style=\"color:#1E3A8A;font-weight:700;\">calculateur Revenu admissible \u2014 Travailleur autonome<\/a>.\r\n  <\/div>\r\n<\/div>\r\n\r\n<div class=\"rv-grid\">\r\n<div id=\"rv-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre projet<\/div>\r\n  <label class=\"lbl\">Prix d'achat ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-prix\" value=\"400000\" min=\"0\" step=\"5000\" oninput=\"onRvPrixChange()\">\r\n  <label class=\"lbl\">Mise de fonds ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-mdf\" value=\"20000\" min=\"0\" step=\"1000\" oninput=\"calcRev()\">\r\n  <label style=\"display:flex;align-items:flex-start;gap:8px;margin-top:6px;font-size:13px;color:#5B6472;cursor:pointer;\">\r\n    <input type=\"checkbox\" id=\"rv-mdf-auto\" checked onchange=\"onRvPrixChange()\" style=\"margin-top:3px;\">\r\n    <span>Utiliser la mise de fonds minimale estim\u00e9e<\/span>\r\n  <\/label>\r\n  <div class=\"hlp\" id=\"rv-mdf-pct\">5,0 % du prix d'achat<\/div>\r\n  <div class=\"hlp\" id=\"rv-mdf-min-info\">\u2014<\/div>\r\n  <label class=\"lbl\">Taux contractuel offert (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcRev()\">\r\n  <div class=\"info-taux\">\r\n    \ud83d\udca1 <strong>Taux de qualification :<\/strong> <span id=\"rv-taux-qual\">\u2014<\/span><br>\r\n    Le versement est calcul\u00e9 au taux de qualification \u2014 le plus \u00e9lev\u00e9 entre <strong>5,25 %<\/strong> et votre taux + 2 %.\r\n  <\/div>\r\n  <label class=\"lbl\">Amortissement<\/label>\r\n  <select class=\"inp\" id=\"rv-amort\" onchange=\"calcRev()\">\r\n    <option value=\"25\" selected>25 ans<\/option>\r\n    <option value=\"30\">30 ans<\/option>\r\n  <\/select>\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">D\u00e9penses et dettes<\/div>\r\n  <label class=\"lbl\">Taxes municipales + scolaires ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-taxes\" value=\"267\" min=\"0\" oninput=\"calcRev()\">\r\n  <div class=\"hlp\">Estim\u00e9es \u00e0 0,80 % du prix \u00d7 6\/12 \u2014 modifiable<\/div>\r\n  <label class=\"lbl\">Frais de chauffage ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-chauffage\" value=\"125\" min=\"0\" oninput=\"calcRev()\">\r\n  <label class=\"lbl\">Frais de condo ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-condo\" value=\"0\" min=\"0\" oninput=\"calcRev()\">\r\n  <div class=\"hlp\">50 % des frais de condo sont inclus dans le calcul ABD<\/div>\r\n  <label class=\"lbl\">Autres dettes mensuelles ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rv-dettes\" value=\"0\" min=\"0\" oninput=\"calcRev()\">\r\n  <div class=\"hlp\">Versements mensuels : auto, pr\u00eats personnels, cartes de cr\u00e9dit (5 % du solde), marges de cr\u00e9dit (3 % du solde)<\/div>\r\n  <div class=\"info-dettes\">\r\n    <strong style=\"color:#1E3A8A;\">\ud83d\udca1 Comment estimer vos versements de dettes ?<\/strong><br>\r\n    \u2192 <strong>Carte de cr\u00e9dit<\/strong> : 5 % du solde (ex. 10 000 $ = 500 $\/mois)<br>\r\n    \u2192 <strong>Marge de cr\u00e9dit<\/strong> : 3 % du solde (ex. 15 000 $ = 450 $\/mois)<br>\r\n    \u2192 <strong>Pr\u00eat auto \/ personnel<\/strong> : versement mensuel r\u00e9el\r\n  <\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"rv-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <div class=\"sum-box\">\r\n    <div class=\"sum-row\"><span>Prix d'achat<\/span><strong id=\"rv-s-prix\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Mise de fonds<\/span><strong id=\"rv-s-mdf\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Prime SCHL (si applicable)<\/span><strong id=\"rv-s-prime\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Montant financ\u00e9<\/span><strong id=\"rv-s-pret\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Taux contractuel<\/span><strong id=\"rv-s-tcontrat\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Taux de qualification (stress test)<\/span><strong id=\"rv-s-tqual\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Versement au taux de qualification<\/span><strong id=\"rv-s-vers\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Taxes (mensuel)<\/span><strong id=\"rv-s-taxes\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Chauffage<\/span><strong id=\"rv-s-chauf\">\u2014<\/strong><\/div>\r\n  <\/div>\r\n\r\n  <div id=\"rv-alerte-schl\" class=\"alerte-schl\">\r\n    \u26a0 Une prime d'assurance SCHL s'applique avec cette mise de fonds \u2014 elle est ajout\u00e9e au montant financ\u00e9.\r\n  <\/div>\r\n\r\n  <div class=\"result-hero\">\r\n    <div class=\"lbl-r\">Revenu brut annuel minimum requis<\/div>\r\n    <div class=\"val\" id=\"rv-rev-final\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"rv-rev-note\">\u2014<\/div>\r\n  <\/div>\r\n\r\n  <div id=\"rv-facteur-box\" class=\"facteur-box facteur-abd\"><\/div>\r\n\r\n  <div class=\"cta-box\">\r\n    <p><strong>Travailleur autonome ou revenu variable ?<\/strong><br>\r\n    Le revenu utilis\u00e9 pour qualifier un travailleur autonome est calcul\u00e9 diff\u00e9remment. Votre revenu net r\u00e9el pourrait vous permettre d'acc\u00e9der \u00e0 la propri\u00e9t\u00e9 m\u00eame si ce calculateur affiche un r\u00e9sultat diff\u00e9rent de votre situation.<\/p>\r\n    <a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Discutons de votre projet \u2192<\/a>\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"rev-note\">\r\nLe versement est calcul\u00e9 au taux de qualification (stress test) impos\u00e9 par le BSIF \u2014 le plus \u00e9lev\u00e9 entre 5,25 % et votre taux contractuel + 2 %. Les ratios ABD (39 %) et ATD (44 %) correspondent aux normes conventionnelles. Les crit\u00e8res r\u00e9els varient selon le pr\u00eateur et votre profil. <strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse personnalis\u00e9e.<\/strong>\r\n<\/div>\r\n<\/div>\r\n\r\n<script>\r\nfunction fmtCAD(n){return n.toLocaleString('fr-CA',{style:'currency',currency:'CAD',minimumFractionDigits:0,maximumFractionDigits:0});}\r\nfunction fmtPct(n){return n.toFixed(2)+' %';}\r\nfunction pRate(a,p){var r=a\/100;return Math.pow(Math.pow(1+r\/2,2),1\/p)-1;}\r\nfunction calcPmt(b,r,n){if(r===0)return b\/n;return b*r\/(1-Math.pow(1+r,-n));}\r\nfunction calcMDFMin(prix){if(prix<=500000)return prix*0.05;if(prix<1500000)return 25000+(prix-500000)*0.10;return prix*0.20;}\r\nfunction calcPrime(prix,mdf,amort){\r\n  var ltv=(prix-mdf)\/prix;\r\n  var tp=ltv<=0.80?0:ltv<=0.85?0.028:ltv<=0.90?0.031:ltv<=0.95?0.04:null;\r\n  if(tp===null)return null;\r\n  if(tp>0&&amort>25)tp+=0.002;\r\n  return tp;\r\n}\r\n\r\nfunction onRvPrixChange(){\r\n  var prix=parseFloat(document.getElementById('rv-prix').value)||0;\r\n  var mdfMin=calcMDFMin(prix);\r\n  var autoEl=document.getElementById('rv-mdf-auto');\r\n  var mdfInput=document.getElementById('rv-mdf');\r\n  if(autoEl&&autoEl.checked){mdfInput.value=Math.round(mdfMin);mdfInput.readOnly=true;}\r\n  else{mdfInput.readOnly=false;}\r\n  document.getElementById('rv-mdf-min-info').innerHTML='Minimum estim\u00e9 : <strong>'+fmtCAD(mdfMin)+'<\/strong>';\r\n  document.getElementById('rv-taxes').value=Math.round(prix*0.008\/12);\r\n  calcRev();\r\n}\r\n\r\nfunction calcRev(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var prix=parseFloat(el('rv-prix').value)||0;\r\n  var mdf=parseFloat(el('rv-mdf').value)||0;\r\n  var tauxContrat=parseFloat(el('rv-taux').value)||0;\r\n  var amort=parseInt(el('rv-amort').value)||25;\r\n  var taxes=parseFloat(el('rv-taxes').value)||0;\r\n  var chauf=parseFloat(el('rv-chauffage').value)||0;\r\n  var condo=parseFloat(el('rv-condo').value)||0;\r\n  var dettes=parseFloat(el('rv-dettes').value)||0;\r\n\r\n  \/\/ Taux de qualification (stress test)\r\n  var tqual=Math.max(5.25,tauxContrat+2);\r\n  el('rv-taux-qual').textContent=fmtPct(tqual);\r\n  el('rv-s-tcontrat').textContent=fmtPct(tauxContrat);\r\n  el('rv-s-tqual').textContent=fmtPct(tqual)+' (stress test)';\r\n\r\n  \/\/ Mise de fonds %\r\n  var mdfPct=prix>0?(mdf\/prix*100):0;\r\n  el('rv-mdf-pct').textContent=mdfPct.toFixed(1)+' % du prix d\\'achat';\r\n\r\n  \/\/ Prime SCHL\r\n  var tp=calcPrime(prix,mdf,amort);\r\n  var pretBase=Math.max(0,prix-mdf);\r\n  var prime=tp!==null&&tp>0?pretBase*tp:0;\r\n  var pret=pretBase+prime;\r\n\r\n  \/\/ Versement AU TAUX DE QUALIFICATION\r\n  var rQual=pRate(tqual,12);\r\n  var nT=amort*12;\r\n  var vers=calcPmt(pret,rQual,nT);\r\n\r\n  \/\/ Revenu requis ABD = (vers + taxes + chauf + 50%condo) \/ 0.39\r\n  var abdNum=vers+taxes+chauf+condo*0.5;\r\n  var revABD=abdNum\/0.39*12;\r\n\r\n  \/\/ Revenu requis ATD = (vers + taxes + chauf + 50%condo + dettes) \/ 0.44\r\n  var atdNum=abdNum+dettes;\r\n  var revATD=atdNum\/0.44*12;\r\n\r\n  \/\/ Revenu final = le plus \u00e9lev\u00e9\r\n  var revFinal=Math.max(revABD,revATD);\r\n  var facteurLimitant=revATD>revABD?'ATD':'ABD';\r\n\r\n  \/\/ Affichage sommaire\r\n  el('rv-s-prix').textContent=fmtCAD(prix);\r\n  el('rv-s-mdf').textContent=fmtCAD(mdf);\r\n  el('rv-s-prime').textContent=prime>0?fmtCAD(prime):'Aucune';\r\n  el('rv-s-pret').textContent=fmtCAD(pret);\r\n  el('rv-s-vers').textContent=fmtCAD(vers)+'\/mois';\r\n  el('rv-s-taxes').textContent=fmtCAD(taxes)+'\/mois';\r\n  el('rv-s-chauf').textContent=fmtCAD(chauf)+'\/mois';\r\n\r\n  \/\/ Alerte SCHL\r\n  el('rv-alerte-schl').style.display=prime>0?'block':'none';\r\n\r\n  \/\/ R\u00e9sultat final\r\n  el('rv-rev-final').textContent=fmtCAD(revFinal);\r\n  el('rv-rev-note').textContent='Calcul\u00e9 au taux de qualification de '+fmtPct(tqual);\r\n\r\n  \/\/ Facteur 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