{"id":308384,"date":"2026-08-06T15:36:22","date_gmt":"2026-08-06T15:36:22","guid":{"rendered":"https:\/\/www.tauxhypotheques.com\/?page_id=308384"},"modified":"2026-09-29T18:01:39","modified_gmt":"2026-09-29T18:01:39","slug":"calculateur-capacite-dachat","status":"publish","type":"page","link":"https:\/\/www.tauxhypotheques.com\/index.php\/calculateur-capacite-dachat\/","title":{"rendered":"Calculateur capacit\u00e9 d&rsquo;achat"},"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_tablet=\u00a0\u00bb\u00a0\u00bb min_height_phone=\u00a0\u00bb\u00a0\u00bb min_height_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb custom_margin=\u00a0\u00bb20px||||false|false\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\u00bb1.6em\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||-85px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<p style=\"text-align: center;\">Quelle est ma capacit\u00e9 d&rsquo;achat ?<\/p>\n<p style=\"text-align: center;\">\n<p style=\"text-align: center;\">[\/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\u00bb1.1em\u00a0\u00bb header_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#0C71C3&Prime; header_font_size=\u00a0\u00bb75px\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb|16px||3px||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<p style=\"text-align: center;\">Estimez le prix maximum que vous pouvez<\/p>\n<p style=\"text-align: center;\">vous\u00a0permettre\u00a0selon votre revenu et<\/p>\n<p style=\"text-align: center;\">votre mise de fonds.<\/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 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22px;border-radius:10px;background:#1B2430;color:#fff;}\r\n.cta-box p{font-size:15px;line-height:1.6;margin-bottom:14px;color:rgba(255,255,255,.85);}\r\n.cta-btn{display:inline-block;padding:12px 24px;background:#E8A020;color:#fff;text-decoration:none;border-radius:8px;font-size:14px;font-weight:700;}\r\n#cap-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=\"cap-wrap\">\r\n<div id=\"cap-hdr\">\r\n<span id=\"cap-eyebrow\">Calculateur hypoth\u00e9caire<\/span>\r\n<div id=\"cap-title\">Quelle est ma capacit\u00e9 d'achat ?<\/div>\r\n<div id=\"cap-sub\">Estimez le prix d'achat maximal selon votre revenu, vos dettes et votre mise de fonds disponible.<\/div>\r\n<\/div>\r\n\r\n<div class=\"cp-grid\">\r\n<div id=\"cp-left\">\r\n\r\n<div class=\"pnl\">\r\n<div class=\"pnl-t\">Votre profil financier<\/div>\r\n<label class=\"lbl\">Revenu brut annuel total ($)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-revenu\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcCap()\">\r\n<div class=\"hlp\">Si vous achetez \u00e0 deux, indiquez le revenu brut combin\u00e9 des deux emprunteurs.<\/div>\r\n<label class=\"lbl\">Mise de fonds disponible ($)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-mdf\" value=\"40000\" min=\"0\" step=\"1000\" oninput=\"calcCap()\">\r\n<div class=\"hlp\">\u00c9pargnes, CELIAPP, RAP (REER) ou don familial disponibles pour l'achat.<\/div>\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=\"cp-mdf-auto\" onchange=\"calcCap()\" style=\"margin-top:3px;\">\r\n  <span>Calculer avec la mise de fonds minimale requise<\/span>\r\n<\/label>\r\n<div class=\"hlp\" id=\"cp-mdf-info\" style=\"display:none;\">\u2014<\/div>\r\n<label class=\"lbl\">Taux d'int\u00e9r\u00eat annuel (%)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcCap()\">\r\n<div class=\"hlp\" id=\"cp-tqual-note\">\ud83d\udca1 Taux de qualification : 6,50 % (taux + 2 % ou 5,25 %, le plus \u00e9lev\u00e9)<\/div>\r\n<label class=\"lbl\">Amortissement<\/label>\r\n<select class=\"inp\" id=\"cp-amort\" onchange=\"calcCap()\">\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\">Frais de chauffage estim\u00e9s ($\/mois)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-chauf\" value=\"125\" min=\"0\" oninput=\"calcCap()\">\r\n<div class=\"hlp\">Les taxes fonci\u00e8res sont estim\u00e9es automatiquement \u00e0 0,80 % du prix d'achat.<\/div>\r\n<label class=\"lbl\">Frais de condo ($\/mois)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-condo\" value=\"0\" min=\"0\" oninput=\"calcCap()\">\r\n<div class=\"hlp\">50 % des frais de condo sont inclus dans le calcul<\/div>\r\n<label class=\"lbl\">Autres dettes mensuelles ($)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-dettes\" value=\"0\" min=\"0\" oninput=\"calcCap()\">\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-box\">\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=\"cp-right\">\r\n<div class=\"pnl\">\r\n<div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n<div class=\"result-hero\">\r\n<div class=\"lbl-r\">Prix d'achat maximum estim\u00e9<\/div>\r\n<div class=\"val\" id=\"cp-prix-max\">\u2014<\/div>\r\n<div class=\"sub\" id=\"cp-prix-sub\">Selon les normes hypoth\u00e9caires canadiennes<\/div>\r\n<\/div>\r\n<div class=\"grid2\">\r\n<div class=\"result-card card-bleu\">\r\n<div class=\"lbl-r\">Versement mensuel r\u00e9el estim\u00e9<\/div>\r\n<div class=\"val\" id=\"cp-versement\" style=\"color:#1E3A8A\">\u2014<\/div>\r\n<div class=\"sub\">Au taux contractuel de <span id=\"cp-taux-reel-note\">\u2014<\/span> (le prix maximum ci-dessus est calcul\u00e9 au taux de qualification)<\/div>\r\n<\/div>\r\n<div class=\"result-card card-vert\">\r\n<div class=\"lbl-r\">Montant financ\u00e9<\/div>\r\n<div class=\"val\" id=\"cp-pret\" style=\"color:#10B981\">\u2014<\/div>\r\n<div class=\"sub\" id=\"cp-prime-info\">\u2014<\/div>\r\n<\/div>\r\n<\/div>\r\n<div class=\"sum-box\">\r\n<div class=\"sum-row\"><span>Revenu brut mensuel<\/span><strong id=\"cp-s-rev\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Taux de qualification (stress test)<\/span><strong id=\"cp-s-tqual\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Taxes fonci\u00e8res estim\u00e9es (0,80 %\/an)<\/span><strong id=\"cp-s-taxes\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Chauffage<\/span><strong id=\"cp-s-chauf\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Mise de fonds<\/span><strong id=\"cp-s-mdf\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Mise de fonds minimale requise<\/span><strong id=\"cp-s-mdf-min\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Prime SCHL (si applicable)<\/span><strong id=\"cp-s-prime\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Capacit\u00e9 ABD (39 % du revenu)<\/span><strong id=\"cp-s-abd\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row sum-total\"><span>Facteur limitant<\/span><strong id=\"cp-s-facteur\">\u2014<\/strong><\/div>\r\n<\/div>\r\n<div id=\"cp-warn\" class=\"warn-box\"><\/div>\r\n<div class=\"cta-box\" style=\"margin-top:16px;\">\r\n<p><strong>Votre projet inclut des travaux, un revenu variable ou une situation particuli\u00e8re ?<\/strong><br>\r\nCe calculateur donne une estimation de base. Une analyse compl\u00e8te tient compte de votre situation r\u00e9elle pour vous donner un portrait juste et personnalis\u00e9.<\/p>\r\n<a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Obtenir une analyse personnalis\u00e9e \u2192<\/a>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"cap-note\">\r\nLes r\u00e9sultats sont pr\u00e9sent\u00e9s \u00e0 titre indicatif seulement et bas\u00e9s sur les ratios ABD (39 %) et ATD (44 %). Les taxes fonci\u00e8res sont estim\u00e9es \u00e0 0,80 % du prix d'achat \u2014 le montant r\u00e9el varie selon la municipalit\u00e9. Les crit\u00e8res r\u00e9els varient selon le pr\u00eateur, le type de propri\u00e9t\u00e9 et votre profil financier complet. <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 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 calcPrime(ltv,amort){if(ltv<=0.80)return 0;if(ltv<=0.85)return 0.028;if(ltv<=0.90)return 0.031;if(ltv<=0.95)return 0.04;return null;}\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\n\r\nfunction calcCap(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var revAnnuel=parseFloat(el('cp-revenu').value)||0;\r\n  var mdfSaisie=parseFloat(el('cp-mdf').value)||0;\r\n  var taux=parseFloat(el('cp-taux').value)||0;\r\n  var amort=parseInt(el('cp-amort').value)||25;\r\n  var chauf=parseFloat(el('cp-chauf').value)||0;\r\n  var condo=parseFloat(el('cp-condo').value)||0;\r\n  var dettes=parseFloat(el('cp-dettes').value)||0;\r\n  var mdfAuto=el('cp-mdf-auto').checked;\r\n\r\n  var tqual=Math.max(5.25,taux+2);\r\n  el('cp-tqual-note').textContent='\ud83d\udca1 Taux de qualification : '+tqual.toFixed(2)+' % (taux + 2 % ou 5,25 %, le plus \u00e9lev\u00e9)';\r\n\r\n  var revMensuel=revAnnuel\/12;\r\n  var r=pRate(taux,12); \/\/ versement au taux contractuel\r\n  var rQual=pRate(tqual,12); \/\/ qualification au taux stress test\r\n  var nT=amort*12;\r\n  var abdMax=revMensuel*0.39;\r\n  var atdMax=revMensuel*0.44;\r\n  var warnBox=el('cp-warn');\r\n\r\n  \/\/ Calcul de la capacit\u00e9 \u2014 it\u00e9ratif avec taxes 0.80%\r\n  \/\/ Utilise le taux de qualification pour d\u00e9terminer le prix max\r\n  var prixEst=(abdMax-chauf-condo*0.5)*(1-Math.pow(1+rQual,-nT))\/rQual+mdfSaisie;\r\n  var facteurLimitant='ABD (co\u00fbts logement)';\r\n\r\n  for(var i=0;i<30;i++){\r\n    var taxesMois=prixEst*0.008\/12;\r\n    var mdfCourante=mdfAuto?calcMDFMin(prixEst):mdfSaisie;\r\n    var versMaxABD=abdMax-chauf-condo*0.5-taxesMois;\r\n    var versMaxATD=atdMax-chauf-condo*0.5-taxesMois-dettes;\r\n    var versMaxIter=Math.min(versMaxABD,versMaxATD);\r\n    facteurLimitant=versMaxATD<versMaxABD?'ATD (dettes totales)':'ABD (co\u00fbts logement)';\r\n    if(versMaxIter<=0){prixEst=0;break;}\r\n    var ltv=prixEst>0?(prixEst-mdfCourante)\/prixEst:1;\r\n    var tp=calcPrime(ltv,amort);\r\n    if(tp===null){prixEst*=0.95;continue;}\r\n    var surcharge=tp>0&&amort>25?0.002:0;\r\n    var tpTotal=tp+surcharge;\r\n    var pretBase=Math.max(0,prixEst-mdfCourante);\r\n    var prime=tpTotal>0?pretBase*tpTotal:0;\r\n    var versCalc=calcPmt(pretBase+prime,rQual,nT);\r\n    if(Math.abs(versCalc-versMaxIter)<0.05)break;\r\n    prixEst=prixEst*(versMaxIter\/versCalc);\r\n  }\r\n\r\n  if(prixEst<=0){\r\n    el('cp-prix-max').textContent='\u2014';\r\n    warnBox.style.display='block';\r\n    warnBox.innerHTML='\u26a0 Vos dettes actuelles d\u00e9passent la capacit\u00e9 calcul\u00e9e. Une analyse personnalis\u00e9e peut identifier des solutions.';\r\n    return;\r\n  }\r\n\r\n  var prixMax=Math.floor(prixEst\/1000)*1000;\r\n  var mdfMin=calcMDFMin(prixMax);\r\n  var mdfUtilisee=mdfAuto?mdfMin:mdfSaisie;\r\n\r\n  \/\/ Afficher info MDF auto\r\n  el('cp-mdf-info').style.display=mdfAuto?'block':'none';\r\n  if(mdfAuto) el('cp-mdf-info').innerHTML='Mise de fonds minimale calcul\u00e9e : <strong>'+fmtCAD(mdfMin)+'<\/strong>';\r\n  el('cp-mdf').disabled=mdfAuto;\r\n  el('cp-mdf').style.opacity=mdfAuto?'0.5':'1';\r\n\r\n  \/\/ Calcul final au taux contractuel pour le versement affich\u00e9\r\n  var ltvFinal=(prixMax-mdfUtilisee)\/prixMax;\r\n  var tpFinal=calcPrime(ltvFinal,amort);\r\n  var surgeFinal=tpFinal>0&&amort>25?0.002:0;\r\n  tpFinal=tpFinal!==null?tpFinal+surgeFinal:0;\r\n  var pretBaseFinal=Math.max(0,prixMax-mdfUtilisee);\r\n  var primeFinal=tpFinal>0?pretBaseFinal*tpFinal:0;\r\n  var pretFinal=pretBaseFinal+primeFinal;\r\n  var versFinal=calcPmt(pretFinal,r,nT); \/\/ taux contractuel pour le versement r\u00e9el\r\n  var taxesMoisFinal=Math.round(prixMax*0.008\/12);\r\n\r\n  el('cp-prix-max').textContent=fmtCAD(prixMax);\r\n  el('cp-prix-sub').textContent='Mise de fonds : '+fmtCAD(mdfUtilisee)+' ('+((mdfUtilisee\/prixMax)*100).toFixed(1)+' %)';\r\n  el('cp-versement').textContent=fmtCAD(versFinal)+'\/mois';\r\n  el('cp-taux-reel-note').textContent=taux.toFixed(2)+' %';\r\n  el('cp-pret').textContent=fmtCAD(pretFinal);\r\n  el('cp-prime-info').textContent=primeFinal>0?'Inclut prime SCHL '+(tpFinal*100).toFixed(1)+' %':'Sans prime d\\'assurance';\r\n  el('cp-s-rev').textContent=fmtCAD(revMensuel)+'\/mois';\r\n  el('cp-s-tqual').textContent=tqual.toFixed(2)+' %';\r\n  el('cp-s-taxes').textContent=fmtCAD(taxesMoisFinal)+'\/mois';\r\n  el('cp-s-chauf').textContent=fmtCAD(chauf)+'\/mois';\r\n  el('cp-s-mdf').textContent=fmtCAD(mdfUtilisee);\r\n  el('cp-s-mdf-min').textContent=fmtCAD(mdfMin)+' ('+((mdfMin\/prixMax)*100).toFixed(1)+' %)';\r\n  el('cp-s-prime').textContent=primeFinal>0?fmtCAD(primeFinal):'Aucune';\r\n  el('cp-s-abd').textContent=fmtCAD(abdMax)+'\/mois';\r\n  el('cp-s-facteur').textContent=facteurLimitant;\r\n\r\n  var warns=[];\r\n  var fraisEstimes=Math.round(prixMax*0.04);\r\n  var mdfDisponible=mdfSaisie;\r\n\r\n  if(!mdfAuto&&mdfSaisie<mdfMin){\r\n    warns.push('\u26a0 Votre mise de fonds de '+fmtCAD(mdfSaisie)+' est inf\u00e9rieure au minimum requis de '+fmtCAD(mdfMin)+' ('+((mdfMin\/prixMax)*100).toFixed(1)+' % de '+fmtCAD(prixMax)+'). Ajustez votre mise de fonds ou cochez la case pour calculer avec le minimum automatique.');\r\n  }\r\n  if(!mdfAuto&&mdfDisponible>0){\r\n    var mdfApresReserve=mdfDisponible-fraisEstimes;\r\n    if(mdfApresReserve<mdfMin){\r\n      warns.push('\ud83d\udca1 Rappel \u2014 pr\u00e9voyez environ '+fmtCAD(fraisEstimes)+' (4 % du prix estim\u00e9) pour les frais de cl\u00f4ture : droits de mutation (taxe de bienvenue), notaire, inspection, ajustements de taxes, etc. Avec une mise de fonds disponible de '+fmtCAD(mdfDisponible)+', la mise de fonds r\u00e9elle apr\u00e8s r\u00e9serve serait de '+(mdfApresReserve>0?fmtCAD(mdfApresReserve):'insuffisante')+'.');\r\n    }\r\n  }\r\n\r\n  if(warns.length>0){\r\n    warnBox.style.display='block';\r\n    warnBox.innerHTML=warns.join('<br><br>');\r\n  }else{\r\n    warnBox.style.display='none';\r\n  }\r\n}\r\n\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcCap);\r\n}else{\r\n  calcCap();\r\n}\r\n<\/script>\r\n<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Quelle est ma capacit\u00e9 d&rsquo;achat ? Estimez le prix maximum que vous pouvez vous\u00a0permettre\u00a0selon votre revenu et votre mise de fonds. &nbsp;<style>\r\n#cap-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;overflow-x:hidden;}\r\n#cap-wrap *{box-sizing:border-box;}\r\n#cap-hdr{padding-bottom:20px;margin-bottom:24px;border-bottom:2px solid #E3DFD4;}\r\n#cap-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#cap-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#cap-sub{font-size:15px;color:#5B6472;line-height:1.55;}\r\n.cp-grid{display:grid;grid-template-columns:380px 1fr;gap:24px;align-items:start;}\r\n@media(max-width:900px){.cp-grid{grid-template-columns:1fr;}}\r\n@media(max-width:480px){\r\n  #cap-wrap{padding:20px 14px 40px;}\r\n  .cp-grid{gap:16px;}\r\n  .pnl{padding:16px;}\r\n  .grid2{grid-template-columns:1fr;}\r\n  .result-hero .val{font-size:28px;}\r\n}\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;white-space:normal!important;overflow:visible!important;text-overflow:clip!important;display:block!important;max-width:100%!important;-webkit-line-clamp:unset!important;line-clamp:unset!important;}\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:16px 0;}\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:4px;}\r\n.result-hero .sub{font-size:14px;color:rgba(255,255,255,.7);}\r\n.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px;}\r\n.result-card{border-radius:10px;padding:16px 18px;}\r\n.result-card .lbl-r{font-size:11px;font-weight:700;color:#5B6472;text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px;}\r\n.result-card .val{font-family:monospace;font-size:22px;font-weight:700;margin-bottom:2px;}\r\n.result-card .sub{font-size:13px;color:#5B6472;}\r\n.card-bleu{background:#EEF4FF;border:1.5px solid #1E3A8A;}\r\n.card-vert{background:#ECFDF5;border:1.5px solid #10B981;}\r\n.sum-box{margin-top:12px;padding:14px;border-radius:9px;background:#F7F5F0;border:1px solid #E3DFD4;}\r\n#cap-wrap,#cap-wrap *{max-width:100%;}\r\n.sum-row{display:flex;justify-content:space-between;gap:8px;font-size:14px;padding:4px 0;border-bottom:1px solid #F0EDE6;flex-wrap:wrap;}\r\n.sum-row span:first-child{flex:1;min-width:0;}\r\n.sum-row:last-child{border-bottom:none;}\r\n.sum-row strong{font-family:monospace;text-align:right;white-space:nowrap;}\r\n.sum-total{margin-top:8px;padding-top:10px;border-top:2px solid #D7D0C2;font-weight:700;border-bottom:none;}\r\n.info-box{padding:12px 14px;border-radius:8px;background:#EEF4FF;border:1.5px solid #1E3A8A;font-size:13px;color:#1B2430;line-height:1.7;margin-top:12px;}\r\n.warn-box{display:none;margin-top:12px;padding:12px 14px;border-radius:8px;background:#FFF4E8;color:#B5482A;border:1px solid #F97316;font-size:14px;line-height:1.6;}\r\n.cta-box{margin-top:20px;padding:20px 22px;border-radius:10px;background:#1B2430;color:#fff;}\r\n.cta-box p{font-size:15px;line-height:1.6;margin-bottom:14px;color:rgba(255,255,255,.85);}\r\n.cta-btn{display:inline-block;padding:12px 24px;background:#E8A020;color:#fff;text-decoration:none;border-radius:8px;font-size:14px;font-weight:700;}\r\n#cap-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=\"cap-wrap\">\r\n<div id=\"cap-hdr\">\r\n<span id=\"cap-eyebrow\">Calculateur hypoth\u00e9caire<\/span>\r\n<div id=\"cap-title\">Quelle est ma capacit\u00e9 d'achat ?<\/div>\r\n<div id=\"cap-sub\">Estimez le prix d'achat maximal selon votre revenu, vos dettes et votre mise de fonds disponible.<\/div>\r\n<\/div>\r\n\r\n<div class=\"cp-grid\">\r\n<div id=\"cp-left\">\r\n\r\n<div class=\"pnl\">\r\n<div class=\"pnl-t\">Votre profil financier<\/div>\r\n<label class=\"lbl\">Revenu brut annuel total ($)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-revenu\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcCap()\">\r\n<div class=\"hlp\">Si vous achetez \u00e0 deux, indiquez le revenu brut combin\u00e9 des deux emprunteurs.<\/div>\r\n<label class=\"lbl\">Mise de fonds disponible ($)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-mdf\" value=\"40000\" min=\"0\" step=\"1000\" oninput=\"calcCap()\">\r\n<div class=\"hlp\">\u00c9pargnes, CELIAPP, RAP (REER) ou don familial disponibles pour l'achat.<\/div>\r\n<label style=\"display:flex;align-items:flex-start;gap:8px;margin-top:6px;font-size:13px;color:#5B6472;cursor:pointer;\">\r\n  <input type=\"checkbox\" id=\"cp-mdf-auto\" onchange=\"calcCap()\" style=\"margin-top:3px;\">\r\n  <span>Calculer avec la mise de fonds minimale requise<\/span>\r\n<\/label>\r\n<div class=\"hlp\" id=\"cp-mdf-info\" style=\"display:none;\">\u2014<\/div>\r\n<label class=\"lbl\">Taux d'int\u00e9r\u00eat annuel (%)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcCap()\">\r\n<div class=\"hlp\" id=\"cp-tqual-note\">\ud83d\udca1 Taux de qualification : 6,50 % (taux + 2 % ou 5,25 %, le plus \u00e9lev\u00e9)<\/div>\r\n<label class=\"lbl\">Amortissement<\/label>\r\n<select class=\"inp\" id=\"cp-amort\" onchange=\"calcCap()\">\r\n<option value=\"25\" selected>25 ans<\/option>\r\n<option value=\"30\">30 ans<\/option>\r\n<\/select>\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n<div class=\"pnl-t\">D\u00e9penses et dettes<\/div>\r\n<label class=\"lbl\">Frais de chauffage estim\u00e9s ($\/mois)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-chauf\" value=\"125\" min=\"0\" oninput=\"calcCap()\">\r\n<div class=\"hlp\">Les taxes fonci\u00e8res sont estim\u00e9es automatiquement \u00e0 0,80 % du prix d'achat.<\/div>\r\n<label class=\"lbl\">Frais de condo ($\/mois)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-condo\" value=\"0\" min=\"0\" oninput=\"calcCap()\">\r\n<div class=\"hlp\">50 % des frais de condo sont inclus dans le calcul<\/div>\r\n<label class=\"lbl\">Autres dettes mensuelles ($)<\/label>\r\n<input class=\"inp\" type=\"number\" id=\"cp-dettes\" value=\"0\" min=\"0\" oninput=\"calcCap()\">\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-box\">\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=\"cp-right\">\r\n<div class=\"pnl\">\r\n<div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n<div class=\"result-hero\">\r\n<div class=\"lbl-r\">Prix d'achat maximum estim\u00e9<\/div>\r\n<div class=\"val\" id=\"cp-prix-max\">\u2014<\/div>\r\n<div class=\"sub\" id=\"cp-prix-sub\">Selon les normes hypoth\u00e9caires canadiennes<\/div>\r\n<\/div>\r\n<div class=\"grid2\">\r\n<div class=\"result-card card-bleu\">\r\n<div class=\"lbl-r\">Versement mensuel r\u00e9el estim\u00e9<\/div>\r\n<div class=\"val\" id=\"cp-versement\" style=\"color:#1E3A8A\">\u2014<\/div>\r\n<div class=\"sub\">Au taux contractuel de <span id=\"cp-taux-reel-note\">\u2014<\/span> (le prix maximum ci-dessus est calcul\u00e9 au taux de qualification)<\/div>\r\n<\/div>\r\n<div class=\"result-card card-vert\">\r\n<div class=\"lbl-r\">Montant financ\u00e9<\/div>\r\n<div class=\"val\" id=\"cp-pret\" style=\"color:#10B981\">\u2014<\/div>\r\n<div class=\"sub\" id=\"cp-prime-info\">\u2014<\/div>\r\n<\/div>\r\n<\/div>\r\n<div class=\"sum-box\">\r\n<div class=\"sum-row\"><span>Revenu brut mensuel<\/span><strong id=\"cp-s-rev\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Taux de qualification (stress test)<\/span><strong id=\"cp-s-tqual\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Taxes fonci\u00e8res estim\u00e9es (0,80 %\/an)<\/span><strong id=\"cp-s-taxes\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Chauffage<\/span><strong id=\"cp-s-chauf\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Mise de fonds<\/span><strong id=\"cp-s-mdf\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Mise de fonds minimale requise<\/span><strong id=\"cp-s-mdf-min\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Prime SCHL (si applicable)<\/span><strong id=\"cp-s-prime\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row\"><span>Capacit\u00e9 ABD (39 % du revenu)<\/span><strong id=\"cp-s-abd\">\u2014<\/strong><\/div>\r\n<div class=\"sum-row sum-total\"><span>Facteur limitant<\/span><strong id=\"cp-s-facteur\">\u2014<\/strong><\/div>\r\n<\/div>\r\n<div id=\"cp-warn\" class=\"warn-box\"><\/div>\r\n<div class=\"cta-box\" style=\"margin-top:16px;\">\r\n<p><strong>Votre projet inclut des travaux, un revenu variable ou une situation particuli\u00e8re ?<\/strong><br>\r\nCe calculateur donne une estimation de base. Une analyse compl\u00e8te tient compte de votre situation r\u00e9elle pour vous donner un portrait juste et personnalis\u00e9.<\/p>\r\n<a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Obtenir une analyse personnalis\u00e9e \u2192<\/a>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"cap-note\">\r\nLes r\u00e9sultats sont pr\u00e9sent\u00e9s \u00e0 titre indicatif seulement et bas\u00e9s sur les ratios ABD (39 %) et ATD (44 %). Les taxes fonci\u00e8res sont estim\u00e9es \u00e0 0,80 % du prix d'achat \u2014 le montant r\u00e9el varie selon la municipalit\u00e9. Les crit\u00e8res r\u00e9els varient selon le pr\u00eateur, le type de propri\u00e9t\u00e9 et votre profil financier complet. <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 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 calcPrime(ltv,amort){if(ltv<=0.80)return 0;if(ltv<=0.85)return 0.028;if(ltv<=0.90)return 0.031;if(ltv<=0.95)return 0.04;return null;}\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\n\r\nfunction calcCap(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var revAnnuel=parseFloat(el('cp-revenu').value)||0;\r\n  var mdfSaisie=parseFloat(el('cp-mdf').value)||0;\r\n  var taux=parseFloat(el('cp-taux').value)||0;\r\n  var amort=parseInt(el('cp-amort').value)||25;\r\n  var chauf=parseFloat(el('cp-chauf').value)||0;\r\n  var condo=parseFloat(el('cp-condo').value)||0;\r\n  var dettes=parseFloat(el('cp-dettes').value)||0;\r\n  var mdfAuto=el('cp-mdf-auto').checked;\r\n\r\n  var tqual=Math.max(5.25,taux+2);\r\n  el('cp-tqual-note').textContent='\ud83d\udca1 Taux de qualification : '+tqual.toFixed(2)+' % (taux + 2 % ou 5,25 %, le plus \u00e9lev\u00e9)';\r\n\r\n  var revMensuel=revAnnuel\/12;\r\n  var r=pRate(taux,12); \/\/ versement au taux contractuel\r\n  var rQual=pRate(tqual,12); \/\/ qualification au taux stress test\r\n  var nT=amort*12;\r\n  var abdMax=revMensuel*0.39;\r\n  var atdMax=revMensuel*0.44;\r\n  var warnBox=el('cp-warn');\r\n\r\n  \/\/ Calcul de la capacit\u00e9 \u2014 it\u00e9ratif avec taxes 0.80%\r\n  \/\/ Utilise le taux de qualification pour d\u00e9terminer le prix max\r\n  var prixEst=(abdMax-chauf-condo*0.5)*(1-Math.pow(1+rQual,-nT))\/rQual+mdfSaisie;\r\n  var facteurLimitant='ABD (co\u00fbts logement)';\r\n\r\n  for(var i=0;i<30;i++){\r\n    var taxesMois=prixEst*0.008\/12;\r\n    var mdfCourante=mdfAuto?calcMDFMin(prixEst):mdfSaisie;\r\n    var versMaxABD=abdMax-chauf-condo*0.5-taxesMois;\r\n    var versMaxATD=atdMax-chauf-condo*0.5-taxesMois-dettes;\r\n    var versMaxIter=Math.min(versMaxABD,versMaxATD);\r\n    facteurLimitant=versMaxATD<versMaxABD?'ATD (dettes totales)':'ABD (co\u00fbts logement)';\r\n    if(versMaxIter<=0){prixEst=0;break;}\r\n    var ltv=prixEst>0?(prixEst-mdfCourante)\/prixEst:1;\r\n    var tp=calcPrime(ltv,amort);\r\n    if(tp===null){prixEst*=0.95;continue;}\r\n    var surcharge=tp>0&&amort>25?0.002:0;\r\n    var tpTotal=tp+surcharge;\r\n    var pretBase=Math.max(0,prixEst-mdfCourante);\r\n    var prime=tpTotal>0?pretBase*tpTotal:0;\r\n    var versCalc=calcPmt(pretBase+prime,rQual,nT);\r\n    if(Math.abs(versCalc-versMaxIter)<0.05)break;\r\n    prixEst=prixEst*(versMaxIter\/versCalc);\r\n  }\r\n\r\n  if(prixEst<=0){\r\n    el('cp-prix-max').textContent='\u2014';\r\n    warnBox.style.display='block';\r\n    warnBox.innerHTML='\u26a0 Vos dettes actuelles d\u00e9passent la capacit\u00e9 calcul\u00e9e. Une analyse personnalis\u00e9e peut identifier des solutions.';\r\n    return;\r\n  }\r\n\r\n  var prixMax=Math.floor(prixEst\/1000)*1000;\r\n  var mdfMin=calcMDFMin(prixMax);\r\n  var mdfUtilisee=mdfAuto?mdfMin:mdfSaisie;\r\n\r\n  \/\/ Afficher info MDF auto\r\n  el('cp-mdf-info').style.display=mdfAuto?'block':'none';\r\n  if(mdfAuto) el('cp-mdf-info').innerHTML='Mise de fonds minimale calcul\u00e9e : <strong>'+fmtCAD(mdfMin)+'<\/strong>';\r\n  el('cp-mdf').disabled=mdfAuto;\r\n  el('cp-mdf').style.opacity=mdfAuto?'0.5':'1';\r\n\r\n  \/\/ Calcul final au taux contractuel pour le versement affich\u00e9\r\n  var ltvFinal=(prixMax-mdfUtilisee)\/prixMax;\r\n  var tpFinal=calcPrime(ltvFinal,amort);\r\n  var surgeFinal=tpFinal>0&&amort>25?0.002:0;\r\n  tpFinal=tpFinal!==null?tpFinal+surgeFinal:0;\r\n  var pretBaseFinal=Math.max(0,prixMax-mdfUtilisee);\r\n  var primeFinal=tpFinal>0?pretBaseFinal*tpFinal:0;\r\n  var pretFinal=pretBaseFinal+primeFinal;\r\n  var versFinal=calcPmt(pretFinal,r,nT); \/\/ taux contractuel pour le versement r\u00e9el\r\n  var taxesMoisFinal=Math.round(prixMax*0.008\/12);\r\n\r\n  el('cp-prix-max').textContent=fmtCAD(prixMax);\r\n  el('cp-prix-sub').textContent='Mise de fonds : '+fmtCAD(mdfUtilisee)+' ('+((mdfUtilisee\/prixMax)*100).toFixed(1)+' %)';\r\n  el('cp-versement').textContent=fmtCAD(versFinal)+'\/mois';\r\n  el('cp-taux-reel-note').textContent=taux.toFixed(2)+' %';\r\n  el('cp-pret').textContent=fmtCAD(pretFinal);\r\n  el('cp-prime-info').textContent=primeFinal>0?'Inclut prime SCHL '+(tpFinal*100).toFixed(1)+' %':'Sans prime d\\'assurance';\r\n  el('cp-s-rev').textContent=fmtCAD(revMensuel)+'\/mois';\r\n  el('cp-s-tqual').textContent=tqual.toFixed(2)+' %';\r\n  el('cp-s-taxes').textContent=fmtCAD(taxesMoisFinal)+'\/mois';\r\n  el('cp-s-chauf').textContent=fmtCAD(chauf)+'\/mois';\r\n  el('cp-s-mdf').textContent=fmtCAD(mdfUtilisee);\r\n  el('cp-s-mdf-min').textContent=fmtCAD(mdfMin)+' ('+((mdfMin\/prixMax)*100).toFixed(1)+' %)';\r\n  el('cp-s-prime').textContent=primeFinal>0?fmtCAD(primeFinal):'Aucune';\r\n  el('cp-s-abd').textContent=fmtCAD(abdMax)+'\/mois';\r\n  el('cp-s-facteur').textContent=facteurLimitant;\r\n\r\n  var warns=[];\r\n  var fraisEstimes=Math.round(prixMax*0.04);\r\n  var mdfDisponible=mdfSaisie;\r\n\r\n  if(!mdfAuto&&mdfSaisie<mdfMin){\r\n    warns.push('\u26a0 Votre mise de fonds de '+fmtCAD(mdfSaisie)+' est inf\u00e9rieure au minimum requis de '+fmtCAD(mdfMin)+' ('+((mdfMin\/prixMax)*100).toFixed(1)+' % de '+fmtCAD(prixMax)+'). Ajustez votre mise de fonds ou cochez la case pour calculer avec le minimum automatique.');\r\n  }\r\n  if(!mdfAuto&&mdfDisponible>0){\r\n    var mdfApresReserve=mdfDisponible-fraisEstimes;\r\n    if(mdfApresReserve<mdfMin){\r\n      warns.push('\ud83d\udca1 Rappel \u2014 pr\u00e9voyez environ '+fmtCAD(fraisEstimes)+' (4 % du prix estim\u00e9) pour les frais de cl\u00f4ture : droits de mutation (taxe de bienvenue), notaire, inspection, ajustements de taxes, etc. Avec une mise de fonds disponible de '+fmtCAD(mdfDisponible)+', la mise de fonds r\u00e9elle apr\u00e8s r\u00e9serve serait de '+(mdfApresReserve>0?fmtCAD(mdfApresReserve):'insuffisante')+'.');\r\n    }\r\n  }\r\n\r\n  if(warns.length>0){\r\n    warnBox.style.display='block';\r\n    warnBox.innerHTML=warns.join('<br><br>');\r\n  }else{\r\n    warnBox.style.display='none';\r\n  }\r\n}\r\n\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcCap);\r\n}else{\r\n  calcCap();\r\n}\r\n<\/script>\r\n<\/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":""},"class_list":["post-308384","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Calculateur capacit\u00e9 d&#039;achat hypoth\u00e8que Qu\u00e9bec \u2014 Gratuit | Diane Garneau<\/title>\r\n<meta name=\"description\" content=\"Calculez votre capacit\u00e9 d&#039;achat maximale selon votre revenu, vos dettes et votre mise de fonds. 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