{"id":308425,"date":"2026-08-06T15:37:42","date_gmt":"2026-08-06T15:37:42","guid":{"rendered":"https:\/\/www.tauxhypotheques.com\/?page_id=308425"},"modified":"2026-09-29T18:03:43","modified_gmt":"2026-09-29T18:03:43","slug":"calculateur-stress-test","status":"publish","type":"page","link":"https:\/\/www.tauxhypotheques.com\/index.php\/calculateur-stress-test\/","title":{"rendered":"Calculateur stress test"},"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|600|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#1e3a8a\u00a0\u00bb text_font_size=\u00a0\u00bb35px\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#0C71C3&Prime; header_font_size=\u00a0\u00bb75px\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#0c71c3&Prime; module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb||-85px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb25px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<p style=\"text-align: center;\">Test de r\u00e9sistance hypoth\u00e9caire<\/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\u00bb30px\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb header_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#0C71C3&Prime; header_font_size=\u00a0\u00bb75px\u00a0\u00bb custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb|50px||45px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<p style=\"text-align: center;\">\u00a0Votre projet r\u00e9siste-t-il au taux de qualification<\/p>\n<p style=\"text-align: center;\">impos\u00e9 par les r\u00e9gulateurs ?<\/p>\n<div style=\"text-align: center;\"><\/div>\n<p>&nbsp;<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column 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#1E3A8A;font-size:13px;color:#1B2430;line-height:1.6;}\r\n#st-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=\"st-wrap\">\r\n<div id=\"st-hdr\">\r\n  <span id=\"st-eyebrow\">Calculateur hypoth\u00e9caire<\/span>\r\n  <div id=\"st-title\">Test de r\u00e9sistance hypoth\u00e9caire (stress test)<\/div>\r\n  <div id=\"st-sub\">V\u00e9rifiez si votre projet d'achat r\u00e9siste au taux de qualification impos\u00e9 par les r\u00e9gulateurs canadiens \u2014 et estimez votre capacit\u00e9 maximale selon ce taux.<\/div>\r\n<\/div>\r\n\r\n<div class=\"st-grid\">\r\n<div id=\"st-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 ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-prix\" value=\"400000\" min=\"0\" step=\"5000\" oninput=\"calcST()\">\r\n  <label class=\"lbl\">Mise de fonds ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-mdf\" value=\"20000\" min=\"0\" step=\"1000\" oninput=\"calcST()\">\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=\"st-mdf-auto\" checked onchange=\"onSTPrixChange()\" style=\"margin-top:3px;\">\r\n    <span>Utiliser la mise de fonds minimale estim\u00e9e<\/span>\r\n  <\/label>\r\n  <div class=\"hlp\" id=\"st-mdf-info\">\u2014<\/div>\r\n  <label class=\"lbl\">Taux contractuel offert (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcST()\">\r\n  <div class=\"info-taux\" id=\"st-taux-qual-info\">\r\n    \ud83d\udca1 <strong>Taux de qualification :<\/strong> <span id=\"st-taux-qual-val\">\u2014<\/span><br>\r\n    Le taux de qualification est le plus \u00e9lev\u00e9 entre <strong>5,25 %<\/strong> et votre taux contractuel + 2 %.\r\n  <\/div>\r\n  <label class=\"lbl\">Amortissement<\/label>\r\n  <select class=\"inp\" id=\"st-amort\" onchange=\"calcST()\">\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\">Revenus et dettes<\/div>\r\n  <label class=\"lbl\">Revenu brut annuel total ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-revenu\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcST()\">\r\n  <div class=\"hlp\">Si vous achetez \u00e0 deux, indiquez le revenu brut combin\u00e9.<\/div>\r\n  <label class=\"lbl\">Frais de chauffage ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-chauf\" value=\"125\" min=\"0\" oninput=\"calcST()\">\r\n  <label class=\"lbl\">Frais de condo ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-condo\" value=\"0\" min=\"0\" oninput=\"calcST()\">\r\n  <div class=\"hlp\">50 % des frais de condo sont inclus dans le calcul<\/div>\r\n  <label class=\"lbl\">Autres dettes mensuelles ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-dettes\" value=\"0\" min=\"0\" oninput=\"calcST()\">\r\n  <div class=\"hlp\">Cartes de cr\u00e9dit (5 % du solde), marges (3 % du solde), pr\u00eats auto, personnels<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"st-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <div class=\"result-hero hero-neutre\" id=\"st-verdict-box\">\r\n    <div class=\"lbl-r\" id=\"st-verdict-lbl\">Verdict<\/div>\r\n    <div class=\"val\" id=\"st-verdict-val\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"st-verdict-sub\">Entrez vos informations pour obtenir votre r\u00e9sultat<\/div>\r\n  <\/div>\r\n\r\n  <div class=\"grid2\">\r\n    <div class=\"result-card card-bleu\">\r\n      <div class=\"lbl-r\">Taux de qualification<\/div>\r\n      <div class=\"val\" id=\"st-r-tqual\" style=\"color:#1E3A8A\">\u2014<\/div>\r\n      <div class=\"sub\">Taux impos\u00e9 par les r\u00e9gulateurs<\/div>\r\n    <\/div>\r\n    <div class=\"result-card card-vert\">\r\n      <div class=\"lbl-r\">Versement au taux qual.<\/div>\r\n      <div class=\"val\" id=\"st-r-vers-qual\" style=\"color:#10B981\">\u2014<\/div>\r\n      <div class=\"sub\">Capital + int\u00e9r\u00eats \/ mois<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"sum-box\">\r\n    <div class=\"sum-row\"><span>Revenu brut mensuel<\/span><strong id=\"st-s-rev\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Taxes estim\u00e9es (0,80 % \u00d7 6\/12)<\/span><strong id=\"st-s-taxes\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Chauffage<\/span><strong id=\"st-s-chauf\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Versement au taux de qualification<\/span><strong id=\"st-s-vers\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Ratio ABD (max 39 %)<\/span><strong id=\"st-s-abd\">\u2014<\/strong><\/div>\r\n    <div class=\"ratio-bar-wrap\">\r\n      <div class=\"ratio-bar-bg\"><div class=\"ratio-bar-fill\" id=\"st-bar-abd\"><\/div><\/div>\r\n    <\/div>\r\n    <div class=\"sum-row\"><span>Autres dettes<\/span><strong id=\"st-s-dettes\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Ratio ATD (max 44 %)<\/span><strong id=\"st-s-atd\">\u2014<\/strong><\/div>\r\n    <div class=\"ratio-bar-wrap\" style=\"margin-bottom:8px;\">\r\n      <div class=\"ratio-bar-bg\"><div class=\"ratio-bar-fill\" id=\"st-bar-atd\"><\/div><\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"result-card card-orange\" style=\"margin-bottom:14px;\">\r\n    <div class=\"lbl-r\">Prix maximum au taux de qualification<\/div>\r\n    <div class=\"val\" id=\"st-prix-max\" style=\"color:#E8A020\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"st-prix-max-sub\">Capacit\u00e9 maximale selon le stress test<\/div>\r\n  <\/div>\r\n\r\n  <div id=\"st-cta\"><\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"st-note\">\r\nLe test de r\u00e9sistance (stress test) est impos\u00e9 par le Bureau du surintendant des institutions financi\u00e8res (BSIF) pour les pr\u00eateurs f\u00e9d\u00e9raux. Le taux de qualification est le plus \u00e9lev\u00e9 entre 5,25 % et votre taux contractuel + 2 %. Les ratios ABD (39 %) et ATD (44 %) sont ceux des normes conventionnelles. <strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse compl\u00e8te de votre dossier.<\/strong>\r\n<\/div>\r\n<\/div>\r\n\r\n<script>\r\nfunction fmtCAD(n){return n.toLocaleString('fr-CA',{style:'currency',currency:'CAD',minimumFractionDigits:0,maximumFractionDigits:0});}\r\nfunction fmtPct(n){return n.toFixed(1)+' %';}\r\nfunction pRate(a,p){var r=a\/100;return Math.pow(Math.pow(1+r\/2,2),1\/p)-1;}\r\nfunction calcPmt(b,r,n){if(r===0)return b\/n;return b*r\/(1-Math.pow(1+r,-n));}\r\nfunction calcMDFMin(prix){if(prix<=500000)return prix*0.05;if(prix<1500000)return 25000+(prix-500000)*0.10;return prix*0.20;}\r\nfunction calcPrime(prix,mdf){var ltv=(prix-mdf)\/prix;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 calcPrixMax(revenu,mdf,tqual,amort,chauf,condo,dettes){\r\n  var r=pRate(tqual,12);var nT=amort*12;\r\n  var revM=revenu\/12;\r\n  var abdMax=revM*0.39-chauf-condo*0.5;\r\n  var atdMax=revM*0.44-chauf-condo*0.5-dettes;\r\n  var versMax=Math.min(abdMax,atdMax);\r\n  if(versMax<=0)return 0;\r\n\r\n  function estFaisable(prix){\r\n    var tp=calcPrime(prix,mdf);\r\n    if(tp===null) return false;\r\n    var surge=tp>0&&amort>25?0.002:0;\r\n    var pretB=prix-mdf;\r\n    var prime=tp>0?pretB*(tp+surge):0;\r\n    var pret=pretB+prime;\r\n    var vers=calcPmt(pret,r,nT);\r\n    return vers<=versMax;\r\n  }\r\n\r\n  var plafondSup=Math.min(3000000,Math.ceil((revenu*10+mdf)\/1000)*1000);\r\n  var prix=plafondSup;\r\n  while(prix>mdf && !estFaisable(prix)){\r\n    prix-=1000;\r\n  }\r\n  return Math.max(0,prix);\r\n}\r\n\r\nfunction onSTPrixChange(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var prix=parseFloat(el('st-prix').value)||0;\r\n  var mdfMin=calcMDFMin(prix);\r\n  var autoEl=el('st-mdf-auto');\r\n  var mdfInput=el('st-mdf');\r\n  if(autoEl&&autoEl.checked){mdfInput.value=Math.round(mdfMin);mdfInput.readOnly=true;}\r\n  else{mdfInput.readOnly=false;}\r\n  el('st-mdf-info').textContent='Minimum estim\u00e9 : '+fmtCAD(mdfMin);\r\n  calcST();\r\n}\r\n\r\nfunction calcST(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var prix=parseFloat(el('st-prix').value)||0;\r\n  var mdf=parseFloat(el('st-mdf').value)||0;\r\n  var taux=parseFloat(el('st-taux').value)||0;\r\n  var amort=parseInt(el('st-amort').value)||25;\r\n  var revenu=parseFloat(el('st-revenu').value)||0;\r\n  var chauf=parseFloat(el('st-chauf').value)||0;\r\n  var condo=parseFloat(el('st-condo').value)||0;\r\n  var dettes=parseFloat(el('st-dettes').value)||0;\r\n\r\n  \/\/ Taux de qualification\r\n  var tqual=Math.max(5.25,taux+2);\r\n  el('st-taux-qual-val').textContent=fmtPct(tqual);\r\n  el('st-r-tqual').textContent=fmtPct(tqual);\r\n\r\n  \/\/ Prime SCHL\r\n  var tp=calcPrime(prix,mdf);\r\n  var surge=tp>0&&amort>25?0.002:0;\r\n  var pretBase=Math.max(0,prix-mdf);\r\n  var prime=tp!==null&&tp>0?pretBase*(tp+surge):0;\r\n  var pret=pretBase+prime;\r\n\r\n  \/\/ Versement au taux contractuel et au taux de qualification\r\n  var rContrat=pRate(taux,12);\r\n  var rQual=pRate(tqual,12);\r\n  var nT=amort*12;\r\n  var versContrat=calcPmt(pret,rContrat,nT);\r\n  var versQual=calcPmt(pret,rQual,nT);\r\n\r\n  \/\/ Taxes estim\u00e9es\r\n  var taxes=Math.round(prix*0.008\/12);\r\n\r\n  \/\/ Ratios\r\n  var revM=revenu\/12;\r\n  var abdNum=versQual+taxes+chauf+condo*0.5;\r\n  var atdNum=abdNum+dettes;\r\n  var abdRatio=revM>0?abdNum\/revM*100:0;\r\n  var atdRatio=revM>0?atdNum\/revM*100:0;\r\n\r\n  \/\/ Prix max au stress test\r\n  var prixMax=calcPrixMax(revenu,mdf,tqual,amort,chauf,condo,dettes);\r\n\r\n  \/\/ Affichage\r\n  el('st-r-vers-qual').textContent=fmtCAD(versQual)+'\/mois';\r\n  el('st-s-rev').textContent=fmtCAD(revM)+'\/mois';\r\n  el('st-s-taxes').textContent=fmtCAD(taxes)+'\/mois';\r\n  el('st-s-chauf').textContent=fmtCAD(chauf)+'\/mois';\r\n  el('st-s-vers').textContent=fmtCAD(versQual)+'\/mois';\r\n  el('st-s-abd').textContent=fmtPct(abdRatio)+' \/ 39 %';\r\n  el('st-s-dettes').textContent=fmtCAD(dettes)+'\/mois';\r\n  el('st-s-atd').textContent=fmtPct(atdRatio)+' \/ 44 %';\r\n  el('st-prix-max').textContent=fmtCAD(prixMax);\r\n  el('st-prix-max-sub').textContent='Prix maximum qualifi\u00e9 au taux de '+fmtPct(tqual);\r\n\r\n  \/\/ Barres ratios\r\n  var abdColor=abdRatio<=39?'#10B981':'#EF4444';\r\n  var atdColor=atdRatio<=44?'#10B981':'#EF4444';\r\n  el('st-bar-abd').style.cssText='width:'+Math.min(abdRatio,100).toFixed(1)+'%;background:'+abdColor+';transition:width .3s;height:100%;border-radius:6px;';\r\n  el('st-bar-atd').style.cssText='width:'+Math.min(atdRatio,100).toFixed(1)+'%;background:'+atdColor+';transition:width .3s;height:100%;border-radius:6px;';\r\n\r\n  \/\/ Verdict\r\n  var verdictBox=el('st-verdict-box');\r\n  var pass=abdRatio<=39&&atdRatio<=44;\r\n  verdictBox.className='result-hero '+(pass?'hero-vert':'hero-rouge');\r\n  el('st-verdict-lbl').textContent=pass?'\u2713 Test r\u00e9ussi':'\u2717 Test \u00e9chou\u00e9';\r\n  el('st-verdict-val').textContent=pass?'Qualifi\u00e9':'Non qualifi\u00e9';\r\n  el('st-verdict-sub').textContent=pass\r\n    ?'Votre projet r\u00e9siste au taux de qualification de '+fmtPct(tqual)+'. ABD : '+fmtPct(abdRatio)+' \/ ATD : '+fmtPct(atdRatio)\r\n    :'Votre projet ne r\u00e9siste pas au taux de qualification de '+fmtPct(tqual)+'. ABD : '+fmtPct(abdRatio)+' \/ ATD : '+fmtPct(atdRatio);\r\n\r\n  \/\/ CTA\r\n  var ctaBox=el('st-cta');\r\n  if(pass){\r\n    ctaBox.innerHTML='<div class=\"cta-box\"><p><strong>Votre projet est qualifi\u00e9 \u2014 passons \u00e0 l\\'\u00e9tape suivante.<\/strong><br>Le stress test est une bonne nouvelle, mais ce n\\'est qu\\'un premier filtre. Une analyse compl\u00e8te tient compte de votre profil global, du type de propri\u00e9t\u00e9 et des meilleures conditions disponibles sur le march\u00e9.<\/p><a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">D\u00e9marrer mon projet \u2192<\/a><\/div>';\r\n  }else{\r\n    var ecart=prix-prixMax;\r\n    ctaBox.innerHTML='<div class=\"cta-box\"><p><strong>Votre projet ne r\u00e9siste pas au stress test \u2014 des options existent.<\/strong><br>Selon ce calcul, votre capacit\u00e9 maximale au taux de qualification est de <strong>'+fmtCAD(prixMax)+'<\/strong> \u2014 un \u00e9cart de <strong>'+fmtCAD(ecart)+'<\/strong> par rapport \u00e0 votre projet. Plusieurs ajustements sont possibles : mise de fonds plus \u00e9lev\u00e9e, r\u00e9duction des dettes, co-emprunteur ou propri\u00e9t\u00e9 diff\u00e9rente.<\/p><a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Explorer les options \u2192<\/a><\/div>';\r\n  }\r\n}\r\n\r\nwindow.addEventListener('DOMContentLoaded',function(){\r\n  document.getElementById('st-prix').addEventListener('input',onSTPrixChange);\r\n  onSTPrixChange();\r\n});\r\nif(document.readyState!=='loading') onSTPrixChange();\r\n<\/script>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Test de r\u00e9sistance hypoth\u00e9caire &nbsp;\u00a0Votre projet r\u00e9siste-t-il au taux de qualification impos\u00e9 par les r\u00e9gulateurs ? &nbsp;<style>\r\n#st-wrap{font-family:Inter,Arial,sans-serif;font-size:16px;line-height:1.5;color:#1B2430;background:#F7F5F0;padding:32px 22px 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\u2014 et estimez votre capacit\u00e9 maximale selon ce taux.<\/div>\r\n<\/div>\r\n\r\n<div class=\"st-grid\">\r\n<div id=\"st-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 ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-prix\" value=\"400000\" min=\"0\" step=\"5000\" oninput=\"calcST()\">\r\n  <label class=\"lbl\">Mise de fonds ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-mdf\" value=\"20000\" min=\"0\" step=\"1000\" oninput=\"calcST()\">\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=\"st-mdf-auto\" checked onchange=\"onSTPrixChange()\" style=\"margin-top:3px;\">\r\n    <span>Utiliser la mise de fonds minimale estim\u00e9e<\/span>\r\n  <\/label>\r\n  <div class=\"hlp\" id=\"st-mdf-info\">\u2014<\/div>\r\n  <label class=\"lbl\">Taux contractuel offert (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcST()\">\r\n  <div class=\"info-taux\" id=\"st-taux-qual-info\">\r\n    \ud83d\udca1 <strong>Taux de qualification :<\/strong> <span id=\"st-taux-qual-val\">\u2014<\/span><br>\r\n    Le taux de qualification est le plus \u00e9lev\u00e9 entre <strong>5,25 %<\/strong> et votre taux contractuel + 2 %.\r\n  <\/div>\r\n  <label class=\"lbl\">Amortissement<\/label>\r\n  <select class=\"inp\" id=\"st-amort\" onchange=\"calcST()\">\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\">Revenus et dettes<\/div>\r\n  <label class=\"lbl\">Revenu brut annuel total ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-revenu\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcST()\">\r\n  <div class=\"hlp\">Si vous achetez \u00e0 deux, indiquez le revenu brut combin\u00e9.<\/div>\r\n  <label class=\"lbl\">Frais de chauffage ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-chauf\" value=\"125\" min=\"0\" oninput=\"calcST()\">\r\n  <label class=\"lbl\">Frais de condo ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-condo\" value=\"0\" min=\"0\" oninput=\"calcST()\">\r\n  <div class=\"hlp\">50 % des frais de condo sont inclus dans le calcul<\/div>\r\n  <label class=\"lbl\">Autres dettes mensuelles ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"st-dettes\" value=\"0\" min=\"0\" oninput=\"calcST()\">\r\n  <div class=\"hlp\">Cartes de cr\u00e9dit (5 % du solde), marges (3 % du solde), pr\u00eats auto, personnels<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"st-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <div class=\"result-hero hero-neutre\" id=\"st-verdict-box\">\r\n    <div class=\"lbl-r\" id=\"st-verdict-lbl\">Verdict<\/div>\r\n    <div class=\"val\" id=\"st-verdict-val\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"st-verdict-sub\">Entrez vos informations pour obtenir votre r\u00e9sultat<\/div>\r\n  <\/div>\r\n\r\n  <div class=\"grid2\">\r\n    <div class=\"result-card card-bleu\">\r\n      <div class=\"lbl-r\">Taux de qualification<\/div>\r\n      <div class=\"val\" id=\"st-r-tqual\" style=\"color:#1E3A8A\">\u2014<\/div>\r\n      <div class=\"sub\">Taux impos\u00e9 par les r\u00e9gulateurs<\/div>\r\n    <\/div>\r\n    <div class=\"result-card card-vert\">\r\n      <div class=\"lbl-r\">Versement au taux qual.<\/div>\r\n      <div class=\"val\" id=\"st-r-vers-qual\" style=\"color:#10B981\">\u2014<\/div>\r\n      <div class=\"sub\">Capital + int\u00e9r\u00eats \/ mois<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"sum-box\">\r\n    <div class=\"sum-row\"><span>Revenu brut mensuel<\/span><strong id=\"st-s-rev\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Taxes estim\u00e9es (0,80 % \u00d7 6\/12)<\/span><strong id=\"st-s-taxes\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Chauffage<\/span><strong id=\"st-s-chauf\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Versement au taux de qualification<\/span><strong id=\"st-s-vers\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Ratio ABD (max 39 %)<\/span><strong id=\"st-s-abd\">\u2014<\/strong><\/div>\r\n    <div class=\"ratio-bar-wrap\">\r\n      <div class=\"ratio-bar-bg\"><div class=\"ratio-bar-fill\" id=\"st-bar-abd\"><\/div><\/div>\r\n    <\/div>\r\n    <div class=\"sum-row\"><span>Autres dettes<\/span><strong id=\"st-s-dettes\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Ratio ATD (max 44 %)<\/span><strong id=\"st-s-atd\">\u2014<\/strong><\/div>\r\n    <div class=\"ratio-bar-wrap\" style=\"margin-bottom:8px;\">\r\n      <div class=\"ratio-bar-bg\"><div class=\"ratio-bar-fill\" id=\"st-bar-atd\"><\/div><\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"result-card card-orange\" style=\"margin-bottom:14px;\">\r\n    <div class=\"lbl-r\">Prix maximum au taux de qualification<\/div>\r\n    <div class=\"val\" id=\"st-prix-max\" style=\"color:#E8A020\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"st-prix-max-sub\">Capacit\u00e9 maximale selon le stress test<\/div>\r\n  <\/div>\r\n\r\n  <div id=\"st-cta\"><\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"st-note\">\r\nLe test de r\u00e9sistance (stress test) est impos\u00e9 par le Bureau du surintendant des institutions financi\u00e8res (BSIF) pour les pr\u00eateurs f\u00e9d\u00e9raux. Le taux de qualification est le plus \u00e9lev\u00e9 entre 5,25 % et votre taux contractuel + 2 %. Les ratios ABD (39 %) et ATD (44 %) sont ceux des normes conventionnelles. <strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse compl\u00e8te de votre dossier.<\/strong>\r\n<\/div>\r\n<\/div>\r\n\r\n<script>\r\nfunction fmtCAD(n){return n.toLocaleString('fr-CA',{style:'currency',currency:'CAD',minimumFractionDigits:0,maximumFractionDigits:0});}\r\nfunction fmtPct(n){return n.toFixed(1)+' %';}\r\nfunction pRate(a,p){var r=a\/100;return Math.pow(Math.pow(1+r\/2,2),1\/p)-1;}\r\nfunction calcPmt(b,r,n){if(r===0)return b\/n;return b*r\/(1-Math.pow(1+r,-n));}\r\nfunction calcMDFMin(prix){if(prix<=500000)return prix*0.05;if(prix<1500000)return 25000+(prix-500000)*0.10;return prix*0.20;}\r\nfunction calcPrime(prix,mdf){var ltv=(prix-mdf)\/prix;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 calcPrixMax(revenu,mdf,tqual,amort,chauf,condo,dettes){\r\n  var r=pRate(tqual,12);var nT=amort*12;\r\n  var revM=revenu\/12;\r\n  var abdMax=revM*0.39-chauf-condo*0.5;\r\n  var atdMax=revM*0.44-chauf-condo*0.5-dettes;\r\n  var versMax=Math.min(abdMax,atdMax);\r\n  if(versMax<=0)return 0;\r\n\r\n  function estFaisable(prix){\r\n    var tp=calcPrime(prix,mdf);\r\n    if(tp===null) return false;\r\n    var surge=tp>0&&amort>25?0.002:0;\r\n    var pretB=prix-mdf;\r\n    var prime=tp>0?pretB*(tp+surge):0;\r\n    var pret=pretB+prime;\r\n    var vers=calcPmt(pret,r,nT);\r\n    return vers<=versMax;\r\n  }\r\n\r\n  var plafondSup=Math.min(3000000,Math.ceil((revenu*10+mdf)\/1000)*1000);\r\n  var prix=plafondSup;\r\n  while(prix>mdf && !estFaisable(prix)){\r\n    prix-=1000;\r\n  }\r\n  return Math.max(0,prix);\r\n}\r\n\r\nfunction onSTPrixChange(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var prix=parseFloat(el('st-prix').value)||0;\r\n  var mdfMin=calcMDFMin(prix);\r\n  var autoEl=el('st-mdf-auto');\r\n  var mdfInput=el('st-mdf');\r\n  if(autoEl&&autoEl.checked){mdfInput.value=Math.round(mdfMin);mdfInput.readOnly=true;}\r\n  else{mdfInput.readOnly=false;}\r\n  el('st-mdf-info').textContent='Minimum estim\u00e9 : '+fmtCAD(mdfMin);\r\n  calcST();\r\n}\r\n\r\nfunction calcST(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var prix=parseFloat(el('st-prix').value)||0;\r\n  var mdf=parseFloat(el('st-mdf').value)||0;\r\n  var taux=parseFloat(el('st-taux').value)||0;\r\n  var amort=parseInt(el('st-amort').value)||25;\r\n  var revenu=parseFloat(el('st-revenu').value)||0;\r\n  var chauf=parseFloat(el('st-chauf').value)||0;\r\n  var condo=parseFloat(el('st-condo').value)||0;\r\n  var dettes=parseFloat(el('st-dettes').value)||0;\r\n\r\n  \/\/ Taux de qualification\r\n  var tqual=Math.max(5.25,taux+2);\r\n  el('st-taux-qual-val').textContent=fmtPct(tqual);\r\n  el('st-r-tqual').textContent=fmtPct(tqual);\r\n\r\n  \/\/ Prime SCHL\r\n  var tp=calcPrime(prix,mdf);\r\n  var surge=tp>0&&amort>25?0.002:0;\r\n  var pretBase=Math.max(0,prix-mdf);\r\n  var prime=tp!==null&&tp>0?pretBase*(tp+surge):0;\r\n  var pret=pretBase+prime;\r\n\r\n  \/\/ Versement au taux contractuel et au taux de qualification\r\n  var rContrat=pRate(taux,12);\r\n  var rQual=pRate(tqual,12);\r\n  var nT=amort*12;\r\n  var versContrat=calcPmt(pret,rContrat,nT);\r\n  var versQual=calcPmt(pret,rQual,nT);\r\n\r\n  \/\/ Taxes estim\u00e9es\r\n  var taxes=Math.round(prix*0.008\/12);\r\n\r\n  \/\/ Ratios\r\n  var revM=revenu\/12;\r\n  var abdNum=versQual+taxes+chauf+condo*0.5;\r\n  var atdNum=abdNum+dettes;\r\n  var abdRatio=revM>0?abdNum\/revM*100:0;\r\n  var atdRatio=revM>0?atdNum\/revM*100:0;\r\n\r\n  \/\/ Prix max au stress test\r\n  var prixMax=calcPrixMax(revenu,mdf,tqual,amort,chauf,condo,dettes);\r\n\r\n  \/\/ Affichage\r\n  el('st-r-vers-qual').textContent=fmtCAD(versQual)+'\/mois';\r\n  el('st-s-rev').textContent=fmtCAD(revM)+'\/mois';\r\n  el('st-s-taxes').textContent=fmtCAD(taxes)+'\/mois';\r\n  el('st-s-chauf').textContent=fmtCAD(chauf)+'\/mois';\r\n  el('st-s-vers').textContent=fmtCAD(versQual)+'\/mois';\r\n  el('st-s-abd').textContent=fmtPct(abdRatio)+' \/ 39 %';\r\n  el('st-s-dettes').textContent=fmtCAD(dettes)+'\/mois';\r\n  el('st-s-atd').textContent=fmtPct(atdRatio)+' \/ 44 %';\r\n  el('st-prix-max').textContent=fmtCAD(prixMax);\r\n  el('st-prix-max-sub').textContent='Prix maximum qualifi\u00e9 au taux de '+fmtPct(tqual);\r\n\r\n  \/\/ Barres ratios\r\n  var abdColor=abdRatio<=39?'#10B981':'#EF4444';\r\n  var atdColor=atdRatio<=44?'#10B981':'#EF4444';\r\n  el('st-bar-abd').style.cssText='width:'+Math.min(abdRatio,100).toFixed(1)+'%;background:'+abdColor+';transition:width .3s;height:100%;border-radius:6px;';\r\n  el('st-bar-atd').style.cssText='width:'+Math.min(atdRatio,100).toFixed(1)+'%;background:'+atdColor+';transition:width .3s;height:100%;border-radius:6px;';\r\n\r\n  \/\/ Verdict\r\n  var verdictBox=el('st-verdict-box');\r\n  var pass=abdRatio<=39&&atdRatio<=44;\r\n  verdictBox.className='result-hero '+(pass?'hero-vert':'hero-rouge');\r\n  el('st-verdict-lbl').textContent=pass?'\u2713 Test r\u00e9ussi':'\u2717 Test \u00e9chou\u00e9';\r\n  el('st-verdict-val').textContent=pass?'Qualifi\u00e9':'Non qualifi\u00e9';\r\n  el('st-verdict-sub').textContent=pass\r\n    ?'Votre projet r\u00e9siste au taux de qualification de '+fmtPct(tqual)+'. ABD : '+fmtPct(abdRatio)+' \/ ATD : '+fmtPct(atdRatio)\r\n    :'Votre projet ne r\u00e9siste pas au taux de qualification de '+fmtPct(tqual)+'. ABD : '+fmtPct(abdRatio)+' \/ ATD : '+fmtPct(atdRatio);\r\n\r\n  \/\/ CTA\r\n  var ctaBox=el('st-cta');\r\n  if(pass){\r\n    ctaBox.innerHTML='<div class=\"cta-box\"><p><strong>Votre projet est qualifi\u00e9 \u2014 passons \u00e0 l\\'\u00e9tape suivante.<\/strong><br>Le stress test est une bonne nouvelle, mais ce n\\'est qu\\'un premier filtre. Une analyse compl\u00e8te tient compte de votre profil global, du type de propri\u00e9t\u00e9 et des meilleures conditions disponibles sur le march\u00e9.<\/p><a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">D\u00e9marrer mon projet \u2192<\/a><\/div>';\r\n  }else{\r\n    var ecart=prix-prixMax;\r\n    ctaBox.innerHTML='<div class=\"cta-box\"><p><strong>Votre projet ne r\u00e9siste pas au stress test \u2014 des options existent.<\/strong><br>Selon ce calcul, votre capacit\u00e9 maximale au taux de qualification est de <strong>'+fmtCAD(prixMax)+'<\/strong> \u2014 un \u00e9cart de <strong>'+fmtCAD(ecart)+'<\/strong> par rapport \u00e0 votre projet. Plusieurs ajustements sont possibles : mise de fonds plus \u00e9lev\u00e9e, r\u00e9duction des dettes, co-emprunteur ou propri\u00e9t\u00e9 diff\u00e9rente.<\/p><a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Explorer les options \u2192<\/a><\/div>';\r\n  }\r\n}\r\n\r\nwindow.addEventListener('DOMContentLoaded',function(){\r\n  document.getElementById('st-prix').addEventListener('input',onSTPrixChange);\r\n  onSTPrixChange();\r\n});\r\nif(document.readyState!=='loading') onSTPrixChange();\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-308425","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 stress test hypoth\u00e9caire Qu\u00e9bec 2026 \u2014 Gratuit | Diane Garneau<\/title>\r\n<meta name=\"description\" content=\"Passez votre test de r\u00e9sistance hypoth\u00e9caire en ligne. 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