{"id":308395,"date":"2026-08-06T15:35:55","date_gmt":"2026-08-06T15:35:55","guid":{"rendered":"https:\/\/www.tauxhypotheques.com\/?page_id=308395"},"modified":"2026-09-29T18:02:15","modified_gmt":"2026-09-29T18:02:15","slug":"calculateur-de-droits-de-mutation-taxe-de-bienvenue","status":"publish","type":"page","link":"https:\/\/www.tauxhypotheques.com\/index.php\/calculateur-de-droits-de-mutation-taxe-de-bienvenue\/","title":{"rendered":"Calculateur de droits de mutation (taxe de bienvenue)"},"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 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|700|||||||\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||-85px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<p style=\"text-align: center;\">Droits de mutation (taxe de bienvenue)<\/p>\n<p style=\"text-align: center;\">et frais d&rsquo;achat\u00a0<\/p>\n<p>&nbsp;<\/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 global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<p style=\"text-align: center;\">\u00c9vitez les mauvaises surprises<\/p>\n<p style=\"text-align: center;\">estimez vos frais avant de faire une offre.<\/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 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style=\"display:flex;justify-content:space-between;align-items:flex-start;gap:16px;flex-wrap:wrap;\">\r\n<div>\r\n  <span id=\"tb-eyebrow\">Calculateur hypoth\u00e9caire<\/span>\r\n  <div id=\"tb-title\">Droits de mutation (taxe de bienvenue) et frais d'achat<\/div>\r\n  <div id=\"tb-sub\">Estimez les droits de mutation (taxe de bienvenue) et les principaux frais \u00e0 pr\u00e9voir lors de l'achat d'une propri\u00e9t\u00e9 au Qu\u00e9bec.<\/div>\r\n<div style=\"margin-top:14px;padding:12px 16px;border-radius:8px;background:#FFF9E8;border:1.5px solid #E8A020;font-size:14px;color:#7C5A00;line-height:1.6;\">\r\n\u26a0 <strong>Avertissement :<\/strong> Les seuils utilis\u00e9s sont ceux du bar\u00e8me provincial 2026 (58 900 $ et 294 600 $). Certaines municipalit\u00e9s appliquent des taux additionnels propres \u00e0 leur territoire \u2014 notamment Montr\u00e9al, Laval, Longueuil, Gatineau et plusieurs autres villes. Le montant exact vous sera communiqu\u00e9 par votre municipalit\u00e9 apr\u00e8s la signature de l'acte notari\u00e9. <strong>Consultez votre notaire ou courti\u00e8re pour un calcul pr\u00e9cis selon votre municipalit\u00e9.<\/strong>\r\n<\/div>\r\n<\/div>\r\n<button onclick=\"genererPDFtb()\" id=\"tb-print-btn\" style=\"flex-shrink:0;padding:10px 18px;background:#1B2430;color:#fff;border:none;border-radius:8px;font-size:13px;font-weight:700;cursor:pointer;white-space:nowrap;\">\ud83d\udcc4 G\u00e9n\u00e9rer le r\u00e9sum\u00e9 PDF<\/button>\r\n<\/div>\r\n<\/div>\r\n\r\n<div class=\"tb-grid\">\r\n<div id=\"tb-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre projet<\/div>\r\n  <label class=\"lbl\">Prix d'achat ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tb-prix\" value=\"400000\" min=\"0\" step=\"5000\" oninput=\"calcTB()\">\r\n  <label class=\"lbl\">Municipalit\u00e9<\/label>\r\n  <select class=\"inp\" id=\"tb-ville\" onchange=\"calcTB()\">\r\n    <option value=\"standard\">Reste du Qu\u00e9bec (bar\u00e8me provincial)<\/option>\r\n    <option value=\"montreal\">Montr\u00e9al<\/option>\r\n    <option value=\"laval\">Laval \/ Longueuil \/ Gatineau<\/option>\r\n  <\/select>\r\n  <div class=\"hlp\">La taxe est calcul\u00e9e sur le plus \u00e9lev\u00e9 entre le prix d'achat et la valeur au r\u00f4le municipal.<\/div>\r\n  <label class=\"lbl\">Mise de fonds ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tb-mdf\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcTB()\">\r\n  <label style=\"display:flex;align-items:flex-start;gap:8px;margin-top:6px;font-size:13px;color:#5B6472;cursor:pointer;\">\r\n    <input type=\"checkbox\" id=\"tb-mdf-auto\" onchange=\"calcTB()\" style=\"margin-top:3px;\">\r\n    <span>Utiliser la mise de fonds minimale requise<\/span>\r\n  <\/label>\r\n  <div class=\"hlp\" id=\"tb-mdf-info\" style=\"display:none;\">\u2014<\/div>\r\n  <div class=\"hlp\" id=\"tb-avert-ltv\" style=\"display:none;color:#B5482A;\"><\/div>\r\n  <label class=\"lbl\">Amortissement<\/label>\r\n  <select class=\"inp\" id=\"tb-amort\" onchange=\"calcTB()\">\r\n    <option value=\"25\" selected>25 ans<\/option>\r\n    <option value=\"30\">30 ans<\/option>\r\n  <\/select>\r\n  <div class=\"hlp\" id=\"tb-amort-note\" style=\"display:none;\">\u26a0\ufe0f L'amortissement de 30 ans assur\u00e9 est r\u00e9serv\u00e9 aux premiers acheteurs.<\/div>\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Vos \u00e9pargnes disponibles<\/div>\r\n  <label class=\"lbl\">Montant disponible pour l'achat ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tb-epargnes\" value=\"0\" min=\"0\" step=\"1000\" oninput=\"calcTB()\">\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"tb-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <div class=\"result-hero card-marine\">\r\n    <div class=\"lbl-r\">Droits de mutation (taxe de bienvenue) estim\u00e9s<\/div>\r\n    <div class=\"val\" id=\"tb-taxe\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"tb-ville-label\">Bar\u00e8me provincial standard<\/div>\r\n  <\/div>\r\n\r\n  <div style=\"margin:14px 0 8px;font-size:12px;font-weight:700;color:#5B6472;text-transform:uppercase;letter-spacing:.05em;\">Calcul par tranche<\/div>\r\n  <div id=\"tb-tranches\"><\/div>\r\n\r\n  <div class=\"sep\"><\/div>\r\n\r\n  <div style=\"font-size:12px;font-weight:700;color:#5B6472;text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px;\">Estimation des frais d'achat<\/div>\r\n  <div id=\"tb-frais-detail\">\r\n    <div class=\"sum-row\"><span>Droits de mutation (taxe de bienvenue)<\/span><strong id=\"tb-s-taxe\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Notaire (acte de vente + hypoth\u00e8que)<\/span><strong>2 250 $<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Inspection pr\u00e9achat<\/span><strong>1 500 $<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Assurance titres<\/span><strong>500 $<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Ajustement de taxes (6 mois)<\/span><strong id=\"tb-s-ajust\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\" id=\"tb-s-taxeprime-row\" style=\"display:none;\"><span>Taxe (9 %) sur prime d'assurance-pr\u00eat (<span id=\"tb-s-prime-montant\">\u2014<\/span>)<\/span><strong id=\"tb-s-taxeprime\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row sum-total\"><span>Total frais estim\u00e9s<\/span><strong id=\"tb-s-total\">\u2014<\/strong><\/div>\r\n  <\/div>\r\n\r\n  <div class=\"sep\"><\/div>\r\n\r\n  <div style=\"font-size:12px;font-weight:700;color:#5B6472;text-transform:uppercase;letter-spacing:.05em;margin-bottom:8px;\">Rep\u00e8re \u2014 4 % du prix d'achat<\/div>\r\n  <div id=\"tb-barre-wrap\">    <div class=\"barre-budget\" id=\"tb-barre\"><\/div>\r\n    <div class=\"barre-legende\">\r\n      <span><span class=\"dot\" style=\"background:#10B981\"><\/span>Frais estim\u00e9s : <strong id=\"tb-leg-frais\">\u2014<\/strong><\/span>\r\n      <span><span class=\"dot\" style=\"background:#D3D1C7\"><\/span>Provision : <strong id=\"tb-leg-prov\">\u2014<\/strong><\/span>\r\n    <\/div>\r\n    <div style=\"font-size:13px;color:#5B6472;\">Cible recommand\u00e9e : <strong id=\"tb-cible\" style=\"font-family:monospace;color:#1B2430;\">\u2014<\/strong><\/div>\r\n  <\/div>\r\n\r\n  <div id=\"tb-indicateur\"><\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"tb-note\">\r\nLes droits de mutation \u2014 taxe de bienvenue \u2014 sont calcul\u00e9s selon les seuils index\u00e9s 2026 publi\u00e9s dans la Gazette officielle du Qu\u00e9bec, 157e ann\u00e9e, no 23 (7 juin 2025), Loi concernant les droits sur les mutations immobili\u00e8res (RLRQ, c. D-15.1). Certaines municipalit\u00e9s peuvent appliquer des taux additionnels ou des r\u00e8gles particuli\u00e8res. Les montants affich\u00e9s sont fournis \u00e0 titre estimatif seulement ; le montant final doit \u00eatre confirm\u00e9 aupr\u00e8s du notaire ou de la municipalit\u00e9. Les frais indiqu\u00e9s (notaire, inspection, titres) sont \u00e9galement des estimations. Si vous pr\u00e9voyez acheter une propri\u00e9t\u00e9 avec puit et\/ou fosse septique pr\u00e9voir des frais d'inspection des \u00e9quipements car ils ne sont pas inclut dans les donn\u00e9es actuelles.<strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse compl\u00e8te de votre projet.<\/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\n\r\nfunction calcTaxe(prix,ville){\r\n  \/\/ Seuils provinciaux 2026 index\u00e9s\r\n  var t1max=62900,t2max=315000; \/\/ Seuils index\u00e9s 2026 \u2014 Gazette officielle du Qu\u00e9bec, 157e ann\u00e9e, no 23 (7 juin 2025)\r\n  var taxe=0,detail=[];\r\n  var t1=Math.min(prix,t1max)*0.005;\r\n  detail.push({label:'0 $ \u00e0 '+fmtCAD(t1max)+' @ 0,5 %',montant:t1});\r\n  taxe+=t1;\r\n  if(prix>t1max){\r\n    var t2=(Math.min(prix,t2max)-t1max)*0.01;\r\n    detail.push({label:fmtCAD(t1max)+' \u00e0 '+fmtCAD(t2max)+' @ 1,0 %',montant:t2});\r\n    taxe+=t2;\r\n  }\r\n  if(prix>t2max){\r\n    if(ville==='montreal'){\r\n      \/\/ Bar\u00e8me Montr\u00e9al 2026 \u2014 5 tranches municipales progressives\r\n      var bkts=[\r\n        {min:t2max,max:500000,taux:0.015,lbl:fmtCAD(t2max)+' \u00e0 500 000 $ @ 1,5 %'},\r\n        {min:500000,max:1000000,taux:0.02,lbl:'500 000 $ \u00e0 1 000 000 $ @ 2,0 %'},\r\n        {min:1000000,max:2000000,taux:0.025,lbl:'1 000 000 $ \u00e0 2 000 000 $ @ 2,5 %'},\r\n        {min:2000000,max:3000000,taux:0.03,lbl:'2 000 000 $ \u00e0 3 000 000 $ @ 3,0 %'},\r\n        {min:3000000,max:Infinity,taux:0.04,lbl:'Plus de 3 000 000 $ @ 4,0 %'}\r\n      ];\r\n      bkts.forEach(function(b){\r\n        if(prix>b.min){\r\n          var m=(Math.min(prix,b.max===Infinity?prix:b.max)-b.min)*b.taux;\r\n          detail.push({label:b.lbl,montant:m});taxe+=m;\r\n        }\r\n      });\r\n    }else if(ville==='laval'){\r\n      \/\/ Bar\u00e8me Laval \/ Longueuil \/ Gatineau 2026\r\n      var t3a=(Math.min(prix,500000)-t2max)*0.015;\r\n      detail.push({label:fmtCAD(t2max)+' \u00e0 500 000 $ @ 1,5 %',montant:t3a});taxe+=t3a;\r\n      if(prix>500000){\r\n        var t3b=(prix-500000)*0.03;\r\n        detail.push({label:'Plus de 500 000 $ @ 3,0 %',montant:t3b});taxe+=t3b;\r\n      }\r\n    }else{\r\n      \/\/ Bar\u00e8me provincial standard 2026 \u2014 1,5 % jusqu'\u00e0 500 000 $, 2,5 % au-del\u00e0*\r\n      if(prix<=500000){\r\n        var t3s=(prix-t2max)*0.015;\r\n        detail.push({label:fmtCAD(t2max)+' \u00e0 500 000 $ @ 1,5 %',montant:t3s});taxe+=t3s;\r\n      }else{\r\n        var t3s=(500000-t2max)*0.015;\r\n        detail.push({label:fmtCAD(t2max)+' \u00e0 500 000 $ @ 1,5 %',montant:t3s});taxe+=t3s;\r\n        var t4s=(prix-500000)*0.025;\r\n        detail.push({label:'Plus de 500 000 $ * @ 2,5 %',montant:t4s});taxe+=t4s;\r\n      }\r\n    }\r\n  }\r\n  return{taxe:taxe,detail:detail};\r\n}\r\n\r\nfunction calcMDFMin(prix){\r\n  if(prix<=0) return 0;\r\n  if(prix<=500000) return prix*0.05;\r\n  if(prix<1500000) return 25000+((prix-500000)*0.10);\r\n  return prix*0.20;\r\n}\r\n\r\nfunction calcTauxPrime(prix,mdf,amort){\r\n  if(prix<=0) return 0;\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 calcTB(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var prix=parseFloat(el('tb-prix').value)||0;\r\n  var ville=el('tb-ville').value;\r\n  var epargnes=parseFloat(el('tb-epargnes').value)||0;\r\n  var mdfAuto=el('tb-mdf-auto').checked;\r\n  var mdfInput=parseFloat(el('tb-mdf').value)||0;\r\n  var amort=parseInt(el('tb-amort').value)||25;\r\n\r\n  el('tb-amort-note').style.display=amort>25?'block':'none';\r\n\r\n  var mdfMinCalc=calcMDFMin(prix);\r\n  var mdf=mdfAuto?mdfMinCalc:mdfInput;\r\n  el('tb-mdf').disabled=mdfAuto;\r\n  el('tb-mdf').style.opacity=mdfAuto?'0.5':'1';\r\n  el('tb-mdf-info').style.display=mdfAuto?'block':'none';\r\n  if(mdfAuto) el('tb-mdf-info').innerHTML='Mise de fonds minimale calcul\u00e9e : <strong>'+fmtCAD(mdfMinCalc)+'<\/strong>';\r\n\r\n  \/\/ Prime d'assurance pr\u00eat et taxe de 9% (payable comptant au Qu\u00e9bec)\r\n  var tauxPrime=calcTauxPrime(prix,mdf,amort);\r\n  var pretBase=Math.max(0,prix-mdf);\r\n  var prime=tauxPrime!==null&&tauxPrime>0?pretBase*tauxPrime:0;\r\n  var taxePrime=prime*0.09;\r\n  var avertLTV=el('tb-avert-ltv');\r\n  if(avertLTV){\r\n    if(tauxPrime===null&&prix>0){\r\n      avertLTV.style.display='block';\r\n      avertLTV.textContent='\u26a0 Avec cette mise de fonds, le ratio pr\u00eat-valeur d\u00e9passe 95 % \u2014 ce sc\u00e9nario pourrait ne pas \u00eatre admissible \u00e0 l\\u2019assurance pr\u00eat hypoth\u00e9caire standard.';\r\n    }else{\r\n      avertLTV.style.display='none';\r\n    }\r\n  }\r\n\r\n  var res=calcTaxe(prix,ville);\r\n  var taxe=res.taxe;\r\n  var ajust=Math.round(prix*0.008\/2);\r\n  var fraisFixed=2250+1200+500;\r\n  var total=taxe+fraisFixed+ajust+taxePrime;\r\n  var cible=prix*0.04;\r\n  var provision=Math.max(0,cible-total);\r\n\r\n  \/\/ Labels ville\r\n  var villeLabels={standard:'Bar\u00e8me provincial standard',montreal:'Bar\u00e8me Montr\u00e9al',laval:'Bar\u00e8me Laval \/ Longueuil \/ Gatineau'};\r\n  el('tb-ville-label').textContent=villeLabels[ville]||'Bar\u00e8me provincial standard';\r\n\r\n  \/\/ R\u00e9sultats taxe\r\n  el('tb-taxe').textContent=fmtCAD(taxe);\r\n  el('tb-s-taxe').textContent=fmtCAD(taxe);\r\n  el('tb-s-ajust').textContent=fmtCAD(ajust);\r\n  el('tb-s-total').textContent=fmtCAD(total);\r\n  el('tb-cible').textContent=fmtCAD(cible);\r\n\r\n  \/\/ Ligne taxe sur prime d'assurance-pr\u00eat\r\n  var primeRow=el('tb-s-taxeprime-row');\r\n  if(primeRow){\r\n    if(taxePrime>0){\r\n      primeRow.style.display='flex';\r\n      el('tb-s-taxeprime').textContent=fmtCAD(taxePrime);\r\n      el('tb-s-prime-montant').textContent=fmtCAD(prime);\r\n    }else{\r\n      primeRow.style.display='none';\r\n    }\r\n  }\r\n\r\n  \/\/ Avertissement prix > 500 000 $\r\n  var avertEl=el('tb-avert-500k');\r\n  if(avertEl) avertEl.style.display=prix>500000?'block':'none';\r\n\r\n  \/\/ Tranches\r\n  var trHtml=res.detail.map(function(d){\r\n    return '<div class=\"tranche-row\"><span>'+d.label+'<\/span><span>'+fmtCAD(d.montant)+'<\/span><\/div>';\r\n  }).join('');\r\n  el('tb-tranches').innerHTML=trHtml;\r\n\r\n  \/\/ Barre\r\n  var pctFrais=Math.min(100,total\/cible*100);\r\n  var pctProv=Math.max(0,provision\/cible*100);\r\n  el('tb-barre').innerHTML=\r\n    '<div style=\"width:'+pctFrais.toFixed(1)+'%;background:#10B981;transition:width .3s\"><\/div>'+\r\n    '<div style=\"width:'+pctProv.toFixed(1)+'%;background:#D3D1C7;transition:width .3s\"><\/div>';\r\n  el('tb-leg-frais').textContent=fmtCAD(total);\r\n  el('tb-leg-prov').textContent=fmtCAD(provision);\r\n\r\n  \/\/ Indicateur \u00e9pargnes - 3 niveaux\r\n  var indBox=el('tb-indicateur');\r\n  var mdfMin=calcMDFMin(prix);\r\n  var fraisPromesse=prix*0.015;\r\n  var niveau1=mdfMin+fraisPromesse;\r\n  var niveau2=mdfMin+total;\r\n  var niveau3=mdfMin+cible;\r\n\r\n  if(epargnes>0){\r\n    function buildNiveau(label,desc,montant){\r\n      var suffisant=epargnes>=montant;\r\n      var ecartN=epargnes-montant;\r\n      var statutHtml=suffisant?\r\n        '<div class=\"niveau-statut niveau-ok\">\u2713 Suffisant \u2014 surplus de '+fmtCAD(ecartN)+'<\/div>':\r\n        '<div class=\"niveau-statut niveau-manque\">\u26a0 Il manque '+fmtCAD(Math.abs(ecartN))+'<\/div>';\r\n      return '<div class=\"niveau-row\">'+\r\n        '<div class=\"niveau-top\"><span class=\"niveau-label\">'+label+'<\/span><span class=\"niveau-montant\">'+fmtCAD(montant)+'<\/span><\/div>'+\r\n        '<div class=\"niveau-desc\">'+desc+'<\/div>'+\r\n        statutHtml+\r\n        '<\/div>';\r\n    }\r\n\r\n    var html='<div class=\"niveaux-card\">';\r\n    html+='<div class=\"niveaux-hero\"><div class=\"niveaux-hero-lbl\">Vos \u00e9pargnes disponibles<\/div><div class=\"niveaux-hero-val\">'+fmtCAD(epargnes)+'<\/div><\/div>';\r\n    html+=buildNiveau('1. Pour signer une promesse d\\u2019achat',\r\n      'Mise de fonds ('+fmtCAD(mdfMin)+') + frais de cl\u00f4ture minimum de 1,5 % ('+fmtCAD(fraisPromesse)+')',\r\n      niveau1);\r\n    html+=buildNiveau('2. Pour couvrir les frais estim\u00e9s complets',\r\n      'Mise de fonds ('+fmtCAD(mdfMin)+') + frais d\\u2019achat estim\u00e9s en detail ('+fmtCAD(total)+')',\r\n      niveau2);\r\n    html+=buildNiveau('3. Pour une marge de manoeuvre confortable (4 %)',\r\n      'Mise de fonds ('+fmtCAD(mdfMin)+') + reserve recommandee de 4 % du prix ('+fmtCAD(cible)+')',\r\n      niveau3);\r\n    html+='<\/div>';\r\n\r\n    if(epargnes<niveau1){\r\n      html+='<div class=\"cta-box\" style=\"margin-top:14px;\">'+\r\n        '<p>Des solutions existent pour combler cet ecart, CELIAPP, RAP, don familial ou strategies d epargne acceleree. Explorons ensemble les options disponibles pour votre situation.<\/p>'+\r\n        '<a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Explorer les options \u2192<\/a>'+\r\n        '<\/div>';\r\n    }else{\r\n      html+='<div class=\"cta-box\" style=\"margin-top:14px;\">'+\r\n        '<p>Pret a passer a l etape suivante ? Discutons de votre capacite d achat et des meilleures options hypothecaires pour votre projet.<\/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    indBox.innerHTML=html;\r\n  }else{\r\n    indBox.innerHTML='';\r\n  }\r\n\r\n  \/\/ Stockage des donn\u00e9es pour g\u00e9n\u00e9ration du PDF\r\n  window.tbDonneesPDF={\r\n    prix:prix,ville:villeLabels[ville]||'Bar\u00e8me provincial standard',\r\n    taxe:taxe,ajust:ajust,fraisFixed:fraisFixed,total:total,cible:cible,\r\n    epargnes:epargnes,tranches:res.tranches||[],\r\n    mdfMin:mdfMin,fraisPromesse:fraisPromesse,niveau1:niveau1,niveau2:niveau2,niveau3:niveau3,\r\n    mdf:mdf,amort:amort,prime:prime,taxePrime:taxePrime,tauxPrime:tauxPrime\r\n  };\r\n}\r\n\r\nfunction genererPDFtb(){\r\n  var d=window.tbDonneesPDF;\r\n  if(!d){alert('Veuillez remplir le formulaire avant de g\u00e9n\u00e9rer le r\u00e9sum\u00e9.');return;}\r\n\r\n  var dateAujourdhui=new Date().toLocaleDateString('fr-CA',{year:'numeric',month:'long',day:'numeric'});\r\n\r\n  var html='<!DOCTYPE html><html><head><meta charset=\"utf-8\"><title>Droits de mutation et frais d achat<\/title>';\r\n  html+='<style>';\r\n  html+='@page{size:letter;margin:1.5cm;}';\r\n  html+='body{font-family:Arial,Helvetica,sans-serif;color:#1B2430;margin:0;padding:0;font-size:14px;line-height:1.6;}';\r\n  html+='.pdf-page{max-width:800px;margin:0 auto;padding:20px;}';\r\n  html+='.pdf-header{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:3px solid #1E3A8A;padding-bottom:16px;margin-bottom:20px;}';\r\n  html+='.pdf-brand{font-family:Georgia,serif;font-size:20px;font-weight:700;color:#1B2430;}';\r\n  html+='.pdf-brand-sub{font-size:12px;color:#E8A020;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-top:2px;}';\r\n  html+='.pdf-date{text-align:right;font-size:12px;color:#5B6472;}';\r\n  html+='.pdf-title{font-family:Georgia,serif;font-size:24px;font-weight:500;color:#1B2430;margin:20px 0 4px;}';\r\n  html+='.pdf-subtitle{font-size:14px;color:#5B6472;margin-bottom:22px;}';\r\n  html+='.pdf-section{margin-bottom:20px;}';\r\n  html+='.pdf-section-title{font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:#1E3A8A;border-bottom:1px solid #E3DFD4;padding-bottom:6px;margin-bottom:10px;}';\r\n  html+='.pdf-row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px solid #F0EDE6;font-size:14px;}';\r\n  html+='.pdf-row span:last-child{font-family:\"Courier New\",monospace;font-weight:700;}';\r\n  html+='.pdf-niveau{border:1px solid #E3DFD4;border-radius:8px;padding:14px 18px;margin-bottom:12px;}';\r\n  html+='.pdf-niveau-titre{font-size:14px;font-weight:700;color:#1B2430;margin-bottom:5px;}';\r\n  html+='.pdf-niveau-desc{font-size:12.5px;color:#5B6472;margin-bottom:10px;}';\r\n  html+='.pdf-niveau-result{display:flex;justify-content:space-between;align-items:center;}';\r\n  html+='.pdf-niveau-montant{font-family:\"Courier New\",monospace;font-weight:700;font-size:16px;}';\r\n  html+='.pdf-niveau-statut{font-size:13px;font-weight:700;}';\r\n  html+='.pdf-hero{background:#1B2430;border-radius:10px;padding:20px 24px;text-align:center;margin:16px 0;}';\r\n  html+='.pdf-hero-lbl{font-size:11px;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px;}';\r\n  html+='.pdf-hero-val{font-family:\"Courier New\",monospace;font-size:28px;font-weight:700;color:#E8A020;}';\r\n  html+='.pdf-warning{background:#FAFAF8;border-left:3px solid #B5482A;border-radius:4px;padding:14px 18px;margin:20px 0;}';\r\n  html+='.pdf-warning-title{font-weight:700;color:#1B2430;margin-bottom:6px;font-size:14px;text-transform:uppercase;letter-spacing:.03em;}';\r\n  html+='.pdf-warning-text{font-size:13px;color:#5B6472;line-height:1.7;}';\r\n  html+='.pdf-footer{margin-top:24px;padding-top:16px;border-top:1px solid #E3DFD4;font-size:12px;color:#5B6472;line-height:1.7;}';\r\n  html+='.pdf-sig{margin-top:20px;text-align:center;}';\r\n  html+='.pdf-sig-name{font-family:Georgia,serif;font-size:16px;font-weight:700;color:#1B2430;}';\r\n  html+='.pdf-sig-role{font-size:12.5px;color:#5B6472;}';\r\n  html+='.pdf-btn-print{position:fixed;top:16px;right:16px;padding:10px 20px;background:#1E3A8A;color:#fff;border:none;border-radius:8px;font-size:13px;font-weight:700;cursor:pointer;}';\r\n  html+='@media print{.pdf-btn-print{display:none;}body{padding:0;}}';\r\n  html+='<\/style><\/head><body>';\r\n\r\n  html+='<button class=\"pdf-btn-print\" onclick=\"window.print()\">\ud83d\udda8\ufe0f Imprimer \/ Enregistrer en PDF<\/button>';\r\n  html+='<div class=\"pdf-page\">';\r\n\r\n  html+='<div class=\"pdf-header\">';\r\n  html+='<div><div class=\"pdf-brand\">Les Architectes Hypoth\u00e9caires<\/div><div class=\"pdf-brand-sub\">Diane Garneau \u2014 Courti\u00e8re hypoth\u00e9caire<\/div><\/div>';\r\n  html+='<div class=\"pdf-date\">Document g\u00e9n\u00e9r\u00e9 le<br><strong>'+dateAujourdhui+'<\/strong><\/div>';\r\n  html+='<\/div>';\r\n\r\n  html+='<div class=\"pdf-title\">Droits de mutation et frais d\\u2019achat<\/div>';\r\n  html+='<div class=\"pdf-subtitle\">Estimation pour un prix d\\u2019achat de '+fmtCAD(d.prix)+' \u2014 '+d.ville+'<\/div>';\r\n\r\n  html+='<div class=\"pdf-hero\">';\r\n  html+='<div class=\"pdf-hero-lbl\">Droits de mutation (taxe de bienvenue) estim\u00e9s<\/div>';\r\n  html+='<div class=\"pdf-hero-val\">'+fmtCAD(d.taxe)+'<\/div>';\r\n  html+='<\/div>';\r\n\r\n  html+='<div class=\"pdf-section\">';\r\n  html+='<div class=\"pdf-section-title\">Estimation des frais d\\u2019achat<\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Droits de mutation (taxe de bienvenue)<\/span><span>'+fmtCAD(d.taxe)+'<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Notaire (acte de vente + hypoth\u00e8que)<\/span><span>2 250 $<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Inspection pr\u00e9achat<\/span><span>1 200 $<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Assurance titres<\/span><span>500 $<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Ajustement de taxes (6 mois)<\/span><span>'+fmtCAD(d.ajust)+'<\/span><\/div>';\r\n  if(d.taxePrime>0){\r\n    html+='<div class=\"pdf-row\"><span>Taxe (9 %) sur prime d\\u2019assurance-pr\u00eat ('+fmtCAD(d.prime)+')<\/span><span>'+fmtCAD(d.taxePrime)+'<\/span><\/div>';\r\n  }\r\n  html+='<div class=\"pdf-row\" style=\"font-weight:700;\"><span>Total frais estim\u00e9s<\/span><span>'+fmtCAD(d.total)+'<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Cible recommand\u00e9e (4 % du prix)<\/span><span>'+fmtCAD(d.cible)+'<\/span><\/div>';\r\n  html+='<\/div>';\r\n\r\n  if(d.epargnes>0){\r\n    html+='<div class=\"pdf-section\">';\r\n    html+='<div class=\"pdf-section-title\">Vos \u00e9pargnes disponibles<\/div>';\r\n    html+='<div class=\"pdf-row\" style=\"font-weight:700;\"><span>Montant disponible (mise de fonds + frais)<\/span><span>'+fmtCAD(d.epargnes)+'<\/span><\/div>';\r\n    html+='<\/div>';\r\n\r\n    html+='<div class=\"pdf-section\">';\r\n    html+='<div class=\"pdf-section-title\">Est-ce suffisant ? \u2014 3 niveaux<\/div>';\r\n\r\n    var ecart1=d.epargnes-d.niveau1;\r\n    var ecart2=d.epargnes-d.niveau2;\r\n    var ecart3=d.epargnes-d.niveau3;\r\n\r\n    function niveauHTML(titre,desc,montant,ecart){\r\n      var suffisant=ecart>=0;\r\n      return '<div class=\"pdf-niveau\">'+\r\n        '<div class=\"pdf-niveau-titre\">'+titre+'<\/div>'+\r\n        '<div class=\"pdf-niveau-desc\">'+desc+'<\/div>'+\r\n        '<div class=\"pdf-niveau-result\">'+\r\n          '<span class=\"pdf-niveau-montant\">'+fmtCAD(montant)+'<\/span>'+\r\n          '<span class=\"pdf-niveau-statut\" style=\"color:'+(suffisant?'#10B981':'#B5482A')+'\">'+(suffisant?'\u2713 Suffisant (+':'\u26a0 Manque (')+fmtCAD(Math.abs(ecart))+')<\/span>'+\r\n        '<\/div>'+\r\n      '<\/div>';\r\n    }\r\n\r\n    html+=niveauHTML('1. Pour signer une promesse d\\u2019achat',\r\n      'Mise de fonds ('+fmtCAD(d.mdfMin)+') + frais de cl\u00f4ture min. 1,5 % ('+fmtCAD(d.fraisPromesse)+')',\r\n      d.niveau1,ecart1);\r\n    html+=niveauHTML('2. Pour couvrir les frais estim\u00e9s complets',\r\n      'Mise de fonds ('+fmtCAD(d.mdfMin)+') + frais d\u00e9taill\u00e9s ('+fmtCAD(d.total)+')',\r\n      d.niveau2,ecart2);\r\n    html+=niveauHTML('3. Pour une marge de man\u0153uvre confortable (4 %)',\r\n      'Mise de fonds ('+fmtCAD(d.mdfMin)+') + r\u00e9serve 4 % ('+fmtCAD(d.cible)+')',\r\n      d.niveau3,ecart3);\r\n\r\n    html+='<\/div>';\r\n  }\r\n\r\n  html+='<div class=\"pdf-warning\">';\r\n  html+='<div class=\"pdf-warning-title\">Mention importante<\/div>';\r\n  html+='<div class=\"pdf-warning-text\">Les droits de mutation (taxe de bienvenue) sont calcul\u00e9s selon les seuils index\u00e9s 2026 publi\u00e9s dans la Gazette officielle du Qu\u00e9bec, 157e ann\u00e9e, no 23 (7 juin 2025), Loi concernant les droits sur les mutations immobili\u00e8res (RLRQ, c. D-15.1). Certaines municipalit\u00e9s peuvent appliquer des taux additionnels ou des r\u00e8gles particuli\u00e8res. Les montants affich\u00e9s sont fournis \u00e0 titre estimatif seulement ; le montant final doit \u00eatre confirm\u00e9 aupr\u00e8s du notaire ou de la municipalit\u00e9. Les frais indiqu\u00e9s (notaire, inspection, titres) sont \u00e9galement des estimations.<\/div>';\r\n  html+='<\/div>';\r\n\r\n  html+='<div class=\"pdf-footer\">';\r\n  html+='Ce document est fourni \u00e0 titre indicatif seulement et ne constitue pas un engagement de la part d\\u2019un pr\u00eateur ou d\\u2019un notaire. Consultez votre notaire pour une confirmation exacte des montants applicables \u00e0 votre transaction.';\r\n  html+='<\/div>';\r\n\r\n  html+='<div class=\"pdf-sig\">';\r\n  html+='<div class=\"pdf-sig-name\">Diane Garneau<\/div>';\r\n  html+='<div class=\"pdf-sig-role\">Courti\u00e8re hypoth\u00e9caire \u2014 Les Architectes Hypoth\u00e9caires<\/div>';\r\n  html+='<div class=\"pdf-sig-role\">514 707.5092 \u00b7 info@dianegarneau.com<\/div>';\r\n  html+='<\/div>';\r\n\r\n  html+='<\/div><\/body><\/html>';\r\n\r\n  var fenetre=window.open('','_blank');\r\n  fenetre.document.write(html);\r\n  fenetre.document.close();\r\n}\r\n\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcTB);\r\n}else{\r\n  calcTB();\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>Droits de mutation (taxe de bienvenue) et frais d&rsquo;achat\u00a0 &nbsp;\u00c9vitez les mauvaises surprises 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id=\"tb-sub\">Estimez les droits de mutation (taxe de bienvenue) et les principaux frais \u00e0 pr\u00e9voir lors de l'achat d'une propri\u00e9t\u00e9 au Qu\u00e9bec.<\/div>\r\n<div style=\"margin-top:14px;padding:12px 16px;border-radius:8px;background:#FFF9E8;border:1.5px solid #E8A020;font-size:14px;color:#7C5A00;line-height:1.6;\">\r\n\u26a0 <strong>Avertissement :<\/strong> Les seuils utilis\u00e9s sont ceux du bar\u00e8me provincial 2026 (58 900 $ et 294 600 $). Certaines municipalit\u00e9s appliquent des taux additionnels propres \u00e0 leur territoire \u2014 notamment Montr\u00e9al, Laval, Longueuil, Gatineau et plusieurs autres villes. Le montant exact vous sera communiqu\u00e9 par votre municipalit\u00e9 apr\u00e8s la signature de l'acte notari\u00e9. <strong>Consultez votre notaire ou courti\u00e8re pour un calcul pr\u00e9cis selon votre municipalit\u00e9.<\/strong>\r\n<\/div>\r\n<\/div>\r\n<button onclick=\"genererPDFtb()\" id=\"tb-print-btn\" style=\"flex-shrink:0;padding:10px 18px;background:#1B2430;color:#fff;border:none;border-radius:8px;font-size:13px;font-weight:700;cursor:pointer;white-space:nowrap;\">\ud83d\udcc4 G\u00e9n\u00e9rer le r\u00e9sum\u00e9 PDF<\/button>\r\n<\/div>\r\n<\/div>\r\n\r\n<div class=\"tb-grid\">\r\n<div id=\"tb-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre projet<\/div>\r\n  <label class=\"lbl\">Prix d'achat ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tb-prix\" value=\"400000\" min=\"0\" step=\"5000\" oninput=\"calcTB()\">\r\n  <label class=\"lbl\">Municipalit\u00e9<\/label>\r\n  <select class=\"inp\" id=\"tb-ville\" onchange=\"calcTB()\">\r\n    <option value=\"standard\">Reste du Qu\u00e9bec (bar\u00e8me provincial)<\/option>\r\n    <option value=\"montreal\">Montr\u00e9al<\/option>\r\n    <option value=\"laval\">Laval \/ Longueuil \/ Gatineau<\/option>\r\n  <\/select>\r\n  <div class=\"hlp\">La taxe est calcul\u00e9e sur le plus \u00e9lev\u00e9 entre le prix d'achat et la valeur au r\u00f4le municipal.<\/div>\r\n  <label class=\"lbl\">Mise de fonds ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tb-mdf\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcTB()\">\r\n  <label style=\"display:flex;align-items:flex-start;gap:8px;margin-top:6px;font-size:13px;color:#5B6472;cursor:pointer;\">\r\n    <input type=\"checkbox\" id=\"tb-mdf-auto\" onchange=\"calcTB()\" style=\"margin-top:3px;\">\r\n    <span>Utiliser la mise de fonds minimale requise<\/span>\r\n  <\/label>\r\n  <div class=\"hlp\" id=\"tb-mdf-info\" style=\"display:none;\">\u2014<\/div>\r\n  <div class=\"hlp\" id=\"tb-avert-ltv\" style=\"display:none;color:#B5482A;\"><\/div>\r\n  <label class=\"lbl\">Amortissement<\/label>\r\n  <select class=\"inp\" id=\"tb-amort\" onchange=\"calcTB()\">\r\n    <option value=\"25\" selected>25 ans<\/option>\r\n    <option value=\"30\">30 ans<\/option>\r\n  <\/select>\r\n  <div class=\"hlp\" id=\"tb-amort-note\" style=\"display:none;\">\u26a0\ufe0f L'amortissement de 30 ans assur\u00e9 est r\u00e9serv\u00e9 aux premiers acheteurs.<\/div>\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Vos \u00e9pargnes disponibles<\/div>\r\n  <label class=\"lbl\">Montant disponible pour l'achat ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tb-epargnes\" value=\"0\" min=\"0\" step=\"1000\" oninput=\"calcTB()\">\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"tb-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <div class=\"result-hero card-marine\">\r\n    <div class=\"lbl-r\">Droits de mutation (taxe de bienvenue) estim\u00e9s<\/div>\r\n    <div class=\"val\" id=\"tb-taxe\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"tb-ville-label\">Bar\u00e8me provincial standard<\/div>\r\n  <\/div>\r\n\r\n  <div style=\"margin:14px 0 8px;font-size:12px;font-weight:700;color:#5B6472;text-transform:uppercase;letter-spacing:.05em;\">Calcul par tranche<\/div>\r\n  <div id=\"tb-tranches\"><\/div>\r\n\r\n  <div class=\"sep\"><\/div>\r\n\r\n  <div style=\"font-size:12px;font-weight:700;color:#5B6472;text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px;\">Estimation des frais d'achat<\/div>\r\n  <div id=\"tb-frais-detail\">\r\n    <div class=\"sum-row\"><span>Droits de mutation (taxe de bienvenue)<\/span><strong id=\"tb-s-taxe\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Notaire (acte de vente + hypoth\u00e8que)<\/span><strong>2 250 $<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Inspection pr\u00e9achat<\/span><strong>1 500 $<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Assurance titres<\/span><strong>500 $<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Ajustement de taxes (6 mois)<\/span><strong id=\"tb-s-ajust\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\" id=\"tb-s-taxeprime-row\" style=\"display:none;\"><span>Taxe (9 %) sur prime d'assurance-pr\u00eat (<span id=\"tb-s-prime-montant\">\u2014<\/span>)<\/span><strong id=\"tb-s-taxeprime\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row sum-total\"><span>Total frais estim\u00e9s<\/span><strong id=\"tb-s-total\">\u2014<\/strong><\/div>\r\n  <\/div>\r\n\r\n  <div class=\"sep\"><\/div>\r\n\r\n  <div style=\"font-size:12px;font-weight:700;color:#5B6472;text-transform:uppercase;letter-spacing:.05em;margin-bottom:8px;\">Rep\u00e8re \u2014 4 % du prix d'achat<\/div>\r\n  <div id=\"tb-barre-wrap\">    <div class=\"barre-budget\" id=\"tb-barre\"><\/div>\r\n    <div class=\"barre-legende\">\r\n      <span><span class=\"dot\" style=\"background:#10B981\"><\/span>Frais estim\u00e9s : <strong id=\"tb-leg-frais\">\u2014<\/strong><\/span>\r\n      <span><span class=\"dot\" style=\"background:#D3D1C7\"><\/span>Provision : <strong id=\"tb-leg-prov\">\u2014<\/strong><\/span>\r\n    <\/div>\r\n    <div style=\"font-size:13px;color:#5B6472;\">Cible recommand\u00e9e : <strong id=\"tb-cible\" style=\"font-family:monospace;color:#1B2430;\">\u2014<\/strong><\/div>\r\n  <\/div>\r\n\r\n  <div id=\"tb-indicateur\"><\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"tb-note\">\r\nLes droits de mutation \u2014 taxe de bienvenue \u2014 sont calcul\u00e9s selon les seuils index\u00e9s 2026 publi\u00e9s dans la Gazette officielle du Qu\u00e9bec, 157e ann\u00e9e, no 23 (7 juin 2025), Loi concernant les droits sur les mutations immobili\u00e8res (RLRQ, c. D-15.1). Certaines municipalit\u00e9s peuvent appliquer des taux additionnels ou des r\u00e8gles particuli\u00e8res. Les montants affich\u00e9s sont fournis \u00e0 titre estimatif seulement ; le montant final doit \u00eatre confirm\u00e9 aupr\u00e8s du notaire ou de la municipalit\u00e9. Les frais indiqu\u00e9s (notaire, inspection, titres) sont \u00e9galement des estimations. Si vous pr\u00e9voyez acheter une propri\u00e9t\u00e9 avec puit et\/ou fosse septique pr\u00e9voir des frais d'inspection des \u00e9quipements car ils ne sont pas inclut dans les donn\u00e9es actuelles.<strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse compl\u00e8te de votre projet.<\/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\n\r\nfunction calcTaxe(prix,ville){\r\n  \/\/ Seuils provinciaux 2026 index\u00e9s\r\n  var t1max=62900,t2max=315000; \/\/ Seuils index\u00e9s 2026 \u2014 Gazette officielle du Qu\u00e9bec, 157e ann\u00e9e, no 23 (7 juin 2025)\r\n  var taxe=0,detail=[];\r\n  var t1=Math.min(prix,t1max)*0.005;\r\n  detail.push({label:'0 $ \u00e0 '+fmtCAD(t1max)+' @ 0,5 %',montant:t1});\r\n  taxe+=t1;\r\n  if(prix>t1max){\r\n    var t2=(Math.min(prix,t2max)-t1max)*0.01;\r\n    detail.push({label:fmtCAD(t1max)+' \u00e0 '+fmtCAD(t2max)+' @ 1,0 %',montant:t2});\r\n    taxe+=t2;\r\n  }\r\n  if(prix>t2max){\r\n    if(ville==='montreal'){\r\n      \/\/ Bar\u00e8me Montr\u00e9al 2026 \u2014 5 tranches municipales progressives\r\n      var bkts=[\r\n        {min:t2max,max:500000,taux:0.015,lbl:fmtCAD(t2max)+' \u00e0 500 000 $ @ 1,5 %'},\r\n        {min:500000,max:1000000,taux:0.02,lbl:'500 000 $ \u00e0 1 000 000 $ @ 2,0 %'},\r\n        {min:1000000,max:2000000,taux:0.025,lbl:'1 000 000 $ \u00e0 2 000 000 $ @ 2,5 %'},\r\n        {min:2000000,max:3000000,taux:0.03,lbl:'2 000 000 $ \u00e0 3 000 000 $ @ 3,0 %'},\r\n        {min:3000000,max:Infinity,taux:0.04,lbl:'Plus de 3 000 000 $ @ 4,0 %'}\r\n      ];\r\n      bkts.forEach(function(b){\r\n        if(prix>b.min){\r\n          var m=(Math.min(prix,b.max===Infinity?prix:b.max)-b.min)*b.taux;\r\n          detail.push({label:b.lbl,montant:m});taxe+=m;\r\n        }\r\n      });\r\n    }else if(ville==='laval'){\r\n      \/\/ Bar\u00e8me Laval \/ Longueuil \/ Gatineau 2026\r\n      var t3a=(Math.min(prix,500000)-t2max)*0.015;\r\n      detail.push({label:fmtCAD(t2max)+' \u00e0 500 000 $ @ 1,5 %',montant:t3a});taxe+=t3a;\r\n      if(prix>500000){\r\n        var t3b=(prix-500000)*0.03;\r\n        detail.push({label:'Plus de 500 000 $ @ 3,0 %',montant:t3b});taxe+=t3b;\r\n      }\r\n    }else{\r\n      \/\/ Bar\u00e8me provincial standard 2026 \u2014 1,5 % jusqu'\u00e0 500 000 $, 2,5 % au-del\u00e0*\r\n      if(prix<=500000){\r\n        var t3s=(prix-t2max)*0.015;\r\n        detail.push({label:fmtCAD(t2max)+' \u00e0 500 000 $ @ 1,5 %',montant:t3s});taxe+=t3s;\r\n      }else{\r\n        var t3s=(500000-t2max)*0.015;\r\n        detail.push({label:fmtCAD(t2max)+' \u00e0 500 000 $ @ 1,5 %',montant:t3s});taxe+=t3s;\r\n        var t4s=(prix-500000)*0.025;\r\n        detail.push({label:'Plus de 500 000 $ * @ 2,5 %',montant:t4s});taxe+=t4s;\r\n      }\r\n    }\r\n  }\r\n  return{taxe:taxe,detail:detail};\r\n}\r\n\r\nfunction calcMDFMin(prix){\r\n  if(prix<=0) return 0;\r\n  if(prix<=500000) return prix*0.05;\r\n  if(prix<1500000) return 25000+((prix-500000)*0.10);\r\n  return prix*0.20;\r\n}\r\n\r\nfunction calcTauxPrime(prix,mdf,amort){\r\n  if(prix<=0) return 0;\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 calcTB(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var prix=parseFloat(el('tb-prix').value)||0;\r\n  var ville=el('tb-ville').value;\r\n  var epargnes=parseFloat(el('tb-epargnes').value)||0;\r\n  var mdfAuto=el('tb-mdf-auto').checked;\r\n  var mdfInput=parseFloat(el('tb-mdf').value)||0;\r\n  var amort=parseInt(el('tb-amort').value)||25;\r\n\r\n  el('tb-amort-note').style.display=amort>25?'block':'none';\r\n\r\n  var mdfMinCalc=calcMDFMin(prix);\r\n  var mdf=mdfAuto?mdfMinCalc:mdfInput;\r\n  el('tb-mdf').disabled=mdfAuto;\r\n  el('tb-mdf').style.opacity=mdfAuto?'0.5':'1';\r\n  el('tb-mdf-info').style.display=mdfAuto?'block':'none';\r\n  if(mdfAuto) el('tb-mdf-info').innerHTML='Mise de fonds minimale calcul\u00e9e : <strong>'+fmtCAD(mdfMinCalc)+'<\/strong>';\r\n\r\n  \/\/ Prime d'assurance pr\u00eat et taxe de 9% (payable comptant au Qu\u00e9bec)\r\n  var tauxPrime=calcTauxPrime(prix,mdf,amort);\r\n  var pretBase=Math.max(0,prix-mdf);\r\n  var prime=tauxPrime!==null&&tauxPrime>0?pretBase*tauxPrime:0;\r\n  var taxePrime=prime*0.09;\r\n  var avertLTV=el('tb-avert-ltv');\r\n  if(avertLTV){\r\n    if(tauxPrime===null&&prix>0){\r\n      avertLTV.style.display='block';\r\n      avertLTV.textContent='\u26a0 Avec cette mise de fonds, le ratio pr\u00eat-valeur d\u00e9passe 95 % \u2014 ce sc\u00e9nario pourrait ne pas \u00eatre admissible \u00e0 l\\u2019assurance pr\u00eat hypoth\u00e9caire standard.';\r\n    }else{\r\n      avertLTV.style.display='none';\r\n    }\r\n  }\r\n\r\n  var res=calcTaxe(prix,ville);\r\n  var taxe=res.taxe;\r\n  var ajust=Math.round(prix*0.008\/2);\r\n  var fraisFixed=2250+1200+500;\r\n  var total=taxe+fraisFixed+ajust+taxePrime;\r\n  var cible=prix*0.04;\r\n  var provision=Math.max(0,cible-total);\r\n\r\n  \/\/ Labels ville\r\n  var villeLabels={standard:'Bar\u00e8me provincial standard',montreal:'Bar\u00e8me Montr\u00e9al',laval:'Bar\u00e8me Laval \/ Longueuil \/ Gatineau'};\r\n  el('tb-ville-label').textContent=villeLabels[ville]||'Bar\u00e8me provincial standard';\r\n\r\n  \/\/ R\u00e9sultats taxe\r\n  el('tb-taxe').textContent=fmtCAD(taxe);\r\n  el('tb-s-taxe').textContent=fmtCAD(taxe);\r\n  el('tb-s-ajust').textContent=fmtCAD(ajust);\r\n  el('tb-s-total').textContent=fmtCAD(total);\r\n  el('tb-cible').textContent=fmtCAD(cible);\r\n\r\n  \/\/ Ligne taxe sur prime d'assurance-pr\u00eat\r\n  var primeRow=el('tb-s-taxeprime-row');\r\n  if(primeRow){\r\n    if(taxePrime>0){\r\n      primeRow.style.display='flex';\r\n      el('tb-s-taxeprime').textContent=fmtCAD(taxePrime);\r\n      el('tb-s-prime-montant').textContent=fmtCAD(prime);\r\n    }else{\r\n      primeRow.style.display='none';\r\n    }\r\n  }\r\n\r\n  \/\/ Avertissement prix > 500 000 $\r\n  var avertEl=el('tb-avert-500k');\r\n  if(avertEl) avertEl.style.display=prix>500000?'block':'none';\r\n\r\n  \/\/ Tranches\r\n  var trHtml=res.detail.map(function(d){\r\n    return '<div class=\"tranche-row\"><span>'+d.label+'<\/span><span>'+fmtCAD(d.montant)+'<\/span><\/div>';\r\n  }).join('');\r\n  el('tb-tranches').innerHTML=trHtml;\r\n\r\n  \/\/ Barre\r\n  var pctFrais=Math.min(100,total\/cible*100);\r\n  var pctProv=Math.max(0,provision\/cible*100);\r\n  el('tb-barre').innerHTML=\r\n    '<div style=\"width:'+pctFrais.toFixed(1)+'%;background:#10B981;transition:width .3s\"><\/div>'+\r\n    '<div style=\"width:'+pctProv.toFixed(1)+'%;background:#D3D1C7;transition:width .3s\"><\/div>';\r\n  el('tb-leg-frais').textContent=fmtCAD(total);\r\n  el('tb-leg-prov').textContent=fmtCAD(provision);\r\n\r\n  \/\/ Indicateur \u00e9pargnes - 3 niveaux\r\n  var indBox=el('tb-indicateur');\r\n  var mdfMin=calcMDFMin(prix);\r\n  var fraisPromesse=prix*0.015;\r\n  var niveau1=mdfMin+fraisPromesse;\r\n  var niveau2=mdfMin+total;\r\n  var niveau3=mdfMin+cible;\r\n\r\n  if(epargnes>0){\r\n    function buildNiveau(label,desc,montant){\r\n      var suffisant=epargnes>=montant;\r\n      var ecartN=epargnes-montant;\r\n      var statutHtml=suffisant?\r\n        '<div class=\"niveau-statut niveau-ok\">\u2713 Suffisant \u2014 surplus de '+fmtCAD(ecartN)+'<\/div>':\r\n        '<div class=\"niveau-statut niveau-manque\">\u26a0 Il manque '+fmtCAD(Math.abs(ecartN))+'<\/div>';\r\n      return '<div class=\"niveau-row\">'+\r\n        '<div class=\"niveau-top\"><span class=\"niveau-label\">'+label+'<\/span><span class=\"niveau-montant\">'+fmtCAD(montant)+'<\/span><\/div>'+\r\n        '<div class=\"niveau-desc\">'+desc+'<\/div>'+\r\n        statutHtml+\r\n        '<\/div>';\r\n    }\r\n\r\n    var html='<div class=\"niveaux-card\">';\r\n    html+='<div class=\"niveaux-hero\"><div class=\"niveaux-hero-lbl\">Vos \u00e9pargnes disponibles<\/div><div class=\"niveaux-hero-val\">'+fmtCAD(epargnes)+'<\/div><\/div>';\r\n    html+=buildNiveau('1. Pour signer une promesse d\\u2019achat',\r\n      'Mise de fonds ('+fmtCAD(mdfMin)+') + frais de cl\u00f4ture minimum de 1,5 % ('+fmtCAD(fraisPromesse)+')',\r\n      niveau1);\r\n    html+=buildNiveau('2. Pour couvrir les frais estim\u00e9s complets',\r\n      'Mise de fonds ('+fmtCAD(mdfMin)+') + frais d\\u2019achat estim\u00e9s en detail ('+fmtCAD(total)+')',\r\n      niveau2);\r\n    html+=buildNiveau('3. Pour une marge de manoeuvre confortable (4 %)',\r\n      'Mise de fonds ('+fmtCAD(mdfMin)+') + reserve recommandee de 4 % du prix ('+fmtCAD(cible)+')',\r\n      niveau3);\r\n    html+='<\/div>';\r\n\r\n    if(epargnes<niveau1){\r\n      html+='<div class=\"cta-box\" style=\"margin-top:14px;\">'+\r\n        '<p>Des solutions existent pour combler cet ecart, CELIAPP, RAP, don familial ou strategies d epargne acceleree. Explorons ensemble les options disponibles pour votre situation.<\/p>'+\r\n        '<a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Explorer les options \u2192<\/a>'+\r\n        '<\/div>';\r\n    }else{\r\n      html+='<div class=\"cta-box\" style=\"margin-top:14px;\">'+\r\n        '<p>Pret a passer a l etape suivante ? Discutons de votre capacite d achat et des meilleures options hypothecaires pour votre projet.<\/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    indBox.innerHTML=html;\r\n  }else{\r\n    indBox.innerHTML='';\r\n  }\r\n\r\n  \/\/ Stockage des donn\u00e9es pour g\u00e9n\u00e9ration du PDF\r\n  window.tbDonneesPDF={\r\n    prix:prix,ville:villeLabels[ville]||'Bar\u00e8me provincial standard',\r\n    taxe:taxe,ajust:ajust,fraisFixed:fraisFixed,total:total,cible:cible,\r\n    epargnes:epargnes,tranches:res.tranches||[],\r\n    mdfMin:mdfMin,fraisPromesse:fraisPromesse,niveau1:niveau1,niveau2:niveau2,niveau3:niveau3,\r\n    mdf:mdf,amort:amort,prime:prime,taxePrime:taxePrime,tauxPrime:tauxPrime\r\n  };\r\n}\r\n\r\nfunction genererPDFtb(){\r\n  var d=window.tbDonneesPDF;\r\n  if(!d){alert('Veuillez remplir le formulaire avant de g\u00e9n\u00e9rer le r\u00e9sum\u00e9.');return;}\r\n\r\n  var dateAujourdhui=new Date().toLocaleDateString('fr-CA',{year:'numeric',month:'long',day:'numeric'});\r\n\r\n  var html='<!DOCTYPE html><html><head><meta charset=\"utf-8\"><title>Droits de mutation et frais d achat<\/title>';\r\n  html+='<style>';\r\n  html+='@page{size:letter;margin:1.5cm;}';\r\n  html+='body{font-family:Arial,Helvetica,sans-serif;color:#1B2430;margin:0;padding:0;font-size:14px;line-height:1.6;}';\r\n  html+='.pdf-page{max-width:800px;margin:0 auto;padding:20px;}';\r\n  html+='.pdf-header{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:3px solid #1E3A8A;padding-bottom:16px;margin-bottom:20px;}';\r\n  html+='.pdf-brand{font-family:Georgia,serif;font-size:20px;font-weight:700;color:#1B2430;}';\r\n  html+='.pdf-brand-sub{font-size:12px;color:#E8A020;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-top:2px;}';\r\n  html+='.pdf-date{text-align:right;font-size:12px;color:#5B6472;}';\r\n  html+='.pdf-title{font-family:Georgia,serif;font-size:24px;font-weight:500;color:#1B2430;margin:20px 0 4px;}';\r\n  html+='.pdf-subtitle{font-size:14px;color:#5B6472;margin-bottom:22px;}';\r\n  html+='.pdf-section{margin-bottom:20px;}';\r\n  html+='.pdf-section-title{font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:#1E3A8A;border-bottom:1px solid #E3DFD4;padding-bottom:6px;margin-bottom:10px;}';\r\n  html+='.pdf-row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px solid #F0EDE6;font-size:14px;}';\r\n  html+='.pdf-row span:last-child{font-family:\"Courier New\",monospace;font-weight:700;}';\r\n  html+='.pdf-niveau{border:1px solid #E3DFD4;border-radius:8px;padding:14px 18px;margin-bottom:12px;}';\r\n  html+='.pdf-niveau-titre{font-size:14px;font-weight:700;color:#1B2430;margin-bottom:5px;}';\r\n  html+='.pdf-niveau-desc{font-size:12.5px;color:#5B6472;margin-bottom:10px;}';\r\n  html+='.pdf-niveau-result{display:flex;justify-content:space-between;align-items:center;}';\r\n  html+='.pdf-niveau-montant{font-family:\"Courier New\",monospace;font-weight:700;font-size:16px;}';\r\n  html+='.pdf-niveau-statut{font-size:13px;font-weight:700;}';\r\n  html+='.pdf-hero{background:#1B2430;border-radius:10px;padding:20px 24px;text-align:center;margin:16px 0;}';\r\n  html+='.pdf-hero-lbl{font-size:11px;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px;}';\r\n  html+='.pdf-hero-val{font-family:\"Courier New\",monospace;font-size:28px;font-weight:700;color:#E8A020;}';\r\n  html+='.pdf-warning{background:#FAFAF8;border-left:3px solid #B5482A;border-radius:4px;padding:14px 18px;margin:20px 0;}';\r\n  html+='.pdf-warning-title{font-weight:700;color:#1B2430;margin-bottom:6px;font-size:14px;text-transform:uppercase;letter-spacing:.03em;}';\r\n  html+='.pdf-warning-text{font-size:13px;color:#5B6472;line-height:1.7;}';\r\n  html+='.pdf-footer{margin-top:24px;padding-top:16px;border-top:1px solid #E3DFD4;font-size:12px;color:#5B6472;line-height:1.7;}';\r\n  html+='.pdf-sig{margin-top:20px;text-align:center;}';\r\n  html+='.pdf-sig-name{font-family:Georgia,serif;font-size:16px;font-weight:700;color:#1B2430;}';\r\n  html+='.pdf-sig-role{font-size:12.5px;color:#5B6472;}';\r\n  html+='.pdf-btn-print{position:fixed;top:16px;right:16px;padding:10px 20px;background:#1E3A8A;color:#fff;border:none;border-radius:8px;font-size:13px;font-weight:700;cursor:pointer;}';\r\n  html+='@media print{.pdf-btn-print{display:none;}body{padding:0;}}';\r\n  html+='<\/style><\/head><body>';\r\n\r\n  html+='<button class=\"pdf-btn-print\" onclick=\"window.print()\">\ud83d\udda8\ufe0f Imprimer \/ Enregistrer en PDF<\/button>';\r\n  html+='<div class=\"pdf-page\">';\r\n\r\n  html+='<div class=\"pdf-header\">';\r\n  html+='<div><div class=\"pdf-brand\">Les Architectes Hypoth\u00e9caires<\/div><div class=\"pdf-brand-sub\">Diane Garneau \u2014 Courti\u00e8re hypoth\u00e9caire<\/div><\/div>';\r\n  html+='<div class=\"pdf-date\">Document g\u00e9n\u00e9r\u00e9 le<br><strong>'+dateAujourdhui+'<\/strong><\/div>';\r\n  html+='<\/div>';\r\n\r\n  html+='<div class=\"pdf-title\">Droits de mutation et frais d\\u2019achat<\/div>';\r\n  html+='<div class=\"pdf-subtitle\">Estimation pour un prix d\\u2019achat de '+fmtCAD(d.prix)+' \u2014 '+d.ville+'<\/div>';\r\n\r\n  html+='<div class=\"pdf-hero\">';\r\n  html+='<div class=\"pdf-hero-lbl\">Droits de mutation (taxe de bienvenue) estim\u00e9s<\/div>';\r\n  html+='<div class=\"pdf-hero-val\">'+fmtCAD(d.taxe)+'<\/div>';\r\n  html+='<\/div>';\r\n\r\n  html+='<div class=\"pdf-section\">';\r\n  html+='<div class=\"pdf-section-title\">Estimation des frais d\\u2019achat<\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Droits de mutation (taxe de bienvenue)<\/span><span>'+fmtCAD(d.taxe)+'<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Notaire (acte de vente + hypoth\u00e8que)<\/span><span>2 250 $<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Inspection pr\u00e9achat<\/span><span>1 200 $<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Assurance titres<\/span><span>500 $<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Ajustement de taxes (6 mois)<\/span><span>'+fmtCAD(d.ajust)+'<\/span><\/div>';\r\n  if(d.taxePrime>0){\r\n    html+='<div class=\"pdf-row\"><span>Taxe (9 %) sur prime d\\u2019assurance-pr\u00eat ('+fmtCAD(d.prime)+')<\/span><span>'+fmtCAD(d.taxePrime)+'<\/span><\/div>';\r\n  }\r\n  html+='<div class=\"pdf-row\" style=\"font-weight:700;\"><span>Total frais estim\u00e9s<\/span><span>'+fmtCAD(d.total)+'<\/span><\/div>';\r\n  html+='<div class=\"pdf-row\"><span>Cible recommand\u00e9e (4 % du prix)<\/span><span>'+fmtCAD(d.cible)+'<\/span><\/div>';\r\n  html+='<\/div>';\r\n\r\n  if(d.epargnes>0){\r\n    html+='<div class=\"pdf-section\">';\r\n    html+='<div class=\"pdf-section-title\">Vos \u00e9pargnes disponibles<\/div>';\r\n    html+='<div class=\"pdf-row\" style=\"font-weight:700;\"><span>Montant disponible (mise de fonds + frais)<\/span><span>'+fmtCAD(d.epargnes)+'<\/span><\/div>';\r\n    html+='<\/div>';\r\n\r\n    html+='<div class=\"pdf-section\">';\r\n    html+='<div class=\"pdf-section-title\">Est-ce suffisant ? \u2014 3 niveaux<\/div>';\r\n\r\n    var ecart1=d.epargnes-d.niveau1;\r\n    var ecart2=d.epargnes-d.niveau2;\r\n    var ecart3=d.epargnes-d.niveau3;\r\n\r\n    function niveauHTML(titre,desc,montant,ecart){\r\n      var suffisant=ecart>=0;\r\n      return '<div class=\"pdf-niveau\">'+\r\n        '<div class=\"pdf-niveau-titre\">'+titre+'<\/div>'+\r\n        '<div class=\"pdf-niveau-desc\">'+desc+'<\/div>'+\r\n        '<div class=\"pdf-niveau-result\">'+\r\n          '<span class=\"pdf-niveau-montant\">'+fmtCAD(montant)+'<\/span>'+\r\n          '<span class=\"pdf-niveau-statut\" style=\"color:'+(suffisant?'#10B981':'#B5482A')+'\">'+(suffisant?'\u2713 Suffisant (+':'\u26a0 Manque (')+fmtCAD(Math.abs(ecart))+')<\/span>'+\r\n        '<\/div>'+\r\n      '<\/div>';\r\n    }\r\n\r\n    html+=niveauHTML('1. Pour signer une promesse d\\u2019achat',\r\n      'Mise de fonds ('+fmtCAD(d.mdfMin)+') + frais de cl\u00f4ture min. 1,5 % ('+fmtCAD(d.fraisPromesse)+')',\r\n      d.niveau1,ecart1);\r\n    html+=niveauHTML('2. Pour couvrir les frais estim\u00e9s complets',\r\n      'Mise de fonds ('+fmtCAD(d.mdfMin)+') + frais d\u00e9taill\u00e9s ('+fmtCAD(d.total)+')',\r\n      d.niveau2,ecart2);\r\n    html+=niveauHTML('3. Pour une marge de man\u0153uvre confortable (4 %)',\r\n      'Mise de fonds ('+fmtCAD(d.mdfMin)+') + r\u00e9serve 4 % ('+fmtCAD(d.cible)+')',\r\n      d.niveau3,ecart3);\r\n\r\n    html+='<\/div>';\r\n  }\r\n\r\n  html+='<div class=\"pdf-warning\">';\r\n  html+='<div class=\"pdf-warning-title\">Mention importante<\/div>';\r\n  html+='<div class=\"pdf-warning-text\">Les droits de mutation (taxe de bienvenue) sont calcul\u00e9s selon les seuils index\u00e9s 2026 publi\u00e9s dans la Gazette officielle du Qu\u00e9bec, 157e ann\u00e9e, no 23 (7 juin 2025), Loi concernant les droits sur les mutations immobili\u00e8res (RLRQ, c. D-15.1). Certaines municipalit\u00e9s peuvent appliquer des taux additionnels ou des r\u00e8gles particuli\u00e8res. Les montants affich\u00e9s sont fournis \u00e0 titre estimatif seulement ; le montant final doit \u00eatre confirm\u00e9 aupr\u00e8s du notaire ou de la municipalit\u00e9. Les frais indiqu\u00e9s (notaire, inspection, titres) sont \u00e9galement des estimations.<\/div>';\r\n  html+='<\/div>';\r\n\r\n  html+='<div class=\"pdf-footer\">';\r\n  html+='Ce document est fourni \u00e0 titre indicatif seulement et ne constitue pas un engagement de la part d\\u2019un pr\u00eateur ou d\\u2019un notaire. Consultez votre notaire pour une confirmation exacte des montants applicables \u00e0 votre transaction.';\r\n  html+='<\/div>';\r\n\r\n  html+='<div class=\"pdf-sig\">';\r\n  html+='<div class=\"pdf-sig-name\">Diane Garneau<\/div>';\r\n  html+='<div class=\"pdf-sig-role\">Courti\u00e8re hypoth\u00e9caire \u2014 Les Architectes Hypoth\u00e9caires<\/div>';\r\n  html+='<div class=\"pdf-sig-role\">514 707.5092 \u00b7 info@dianegarneau.com<\/div>';\r\n  html+='<\/div>';\r\n\r\n  html+='<\/div><\/body><\/html>';\r\n\r\n  var fenetre=window.open('','_blank');\r\n  fenetre.document.write(html);\r\n  fenetre.document.close();\r\n}\r\n\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcTB);\r\n}else{\r\n  calcTB();\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-308395","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 droits de mutation (taxe de bienvenue) Qu\u00e9bec 2026 | Diane Garneau<\/title>\r\n<meta name=\"description\" content=\"Estimez vos droits de mutation (taxe de bienvenue) selon les seuils 2026. 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