{"id":308434,"date":"2026-08-06T15:40:46","date_gmt":"2026-08-06T15:40:46","guid":{"rendered":"https:\/\/www.tauxhypotheques.com\/?page_id=308434"},"modified":"2026-09-29T18:15:49","modified_gmt":"2026-09-29T18:15:49","slug":"revenu-admissible-travailleur-autonome","status":"publish","type":"page","link":"https:\/\/www.tauxhypotheques.com\/index.php\/revenu-admissible-travailleur-autonome\/","title":{"rendered":"Revenu admissible &#8211; Travailleur autonome"},"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\u00bb30px\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 hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb custom_padding=\u00a0\u00bb|||10px|false|false\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p style=\"text-align: center;\">Quel est mon revenu admissible ?<\/p>\n<p style=\"text-align: center;\">\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 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 hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb custom_padding=\u00a0\u00bb|15px||20px|false|false\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p style=\"text-align: center;\">Votre revenu variable peut vous ouvrir plus de<\/p>\n<p style=\"text-align: center;\">portes que vous ne le croyez.<\/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; 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selon les m\u00e9thodes utilis\u00e9es par les pr\u00eateurs \u2014 et voyez l'impact r\u00e9el sur votre capacit\u00e9 d'achat.<\/div>\r\n<\/div>\r\n\r\n<div class=\"tap-grid\">\r\n<div id=\"tap-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Vos revenus nets d\u00e9clar\u00e9s<\/div>\r\n  <div class=\"hlp\" style=\"margin-bottom:12px;\">Entrez votre revenu net d'entreprise tel qu'indiqu\u00e9 sur votre d\u00e9claration de revenus (ligne 13500 f\u00e9d\u00e9rale).<\/div>\r\n  <label class=\"lbl\">Revenu net \u2014 Ann\u00e9e 1 (2024) ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-r1\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcTAP()\">\r\n  <label class=\"lbl\">Revenu net \u2014 Ann\u00e9e 2 (2025) ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-r2\" value=\"75000\" min=\"0\" step=\"1000\" oninput=\"calcTAP()\">\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Param\u00e8tres hypoth\u00e9caires<\/div>\r\n  <label class=\"lbl\">Mise de fonds disponible ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-mdf\" value=\"25000\" min=\"0\" step=\"1000\" oninput=\"calcTAP()\">\r\n  <label style=\"display:flex;align-items:flex-start;gap:8px;margin-top:6px;font-size:13px;color:#5B6472;cursor:pointer;\">\r\n    <input type=\"checkbox\" id=\"tap-mdf-auto\" onchange=\"calcTAP()\" style=\"margin-top:3px;\">\r\n    <span>Calculer avec la mise de fonds minimale requise (5 %)<\/span>\r\n  <\/label>\r\n  <div class=\"hlp\" id=\"tap-mdf-info\" style=\"display:none;\">\u2014<\/div>\r\n  <div class=\"hlp\">N'oubliez pas de pr\u00e9voir aussi les frais d'achat (droits de mutation, notaire, inspection). <a href=\"https:\/\/www.tauxhypotheques.com\/index.php\/calculateur-de-droits-de-mutation-taxe-de-bienvenue\/\" style=\"color:#1E3A8A;font-weight:700;\">Estimez-les avec ce calculateur \u2192<\/a><\/div>\r\n  <div id=\"tap-warn\" class=\"warn-box\"><\/div>\r\n  <label class=\"lbl\">Taux d'int\u00e9r\u00eat annuel (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcTAP()\">\r\n  <div class=\"hlp\" id=\"tap-tqual-note\">\ud83d\udca1 Taux de qualification : 6,50 % (taux + 2 % ou 5,25 %, le plus \u00e9lev\u00e9)<\/div>\r\n  <label class=\"lbl\">Amortissement<\/label>\r\n  <select class=\"inp\" id=\"tap-amort\" onchange=\"calcTAP()\">\r\n    <option value=\"25\" selected>25 ans<\/option>\r\n    <option value=\"30\">30 ans<\/option>\r\n  <\/select>\r\n  <label class=\"lbl\">Frais de chauffage ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-chauf\" value=\"125\" min=\"0\" oninput=\"calcTAP()\">\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\">Autres dettes mensuelles ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-dettes\" value=\"0\" min=\"0\" oninput=\"calcTAP()\">\r\n  <div class=\"hlp\">Cartes de cr\u00e9dit (5 % du solde), marges (3 % du solde), pr\u00eats auto<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"tap-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <!-- ANALYSE \u00c9CART -->\r\n  <div id=\"tap-ecart-box\" class=\"ecart-box ecart-ok\" style=\"margin-bottom:14px;\">\r\n    <div class=\"ecart-titre ecart-titre-ok\" id=\"tap-ecart-titre\">Analyse de l'\u00e9cart<\/div>\r\n    <div class=\"ecart-texte ecart-texte-ok\" id=\"tap-ecart-texte\">\u2014<\/div>\r\n  <\/div>\r\n\r\n  <!-- REVENU ADMISSIBLE STANDARD -->\r\n  <div class=\"result-card card-bleu\">\r\n    <div class=\"lbl-r\">Revenu admissible \u2014 M\u00e9thode standard<\/div>\r\n    <div class=\"val\" id=\"tap-rev-standard\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"tap-rev-standard-sub\">Moyenne des 2 ans \u00d7 1,15<\/div>\r\n  <\/div>\r\n\r\n  <!-- CAPACIT\u00c9S D'ACHAT -->\r\n  <div id=\"tap-diff-box\" class=\"diff-box\" style=\"display:none;\">\r\n    <div class=\"diff-titre\">Impact sur votre capacit\u00e9 d'achat<\/div>\r\n    <div class=\"diff-row\"><span>Avec revenu le plus bas<\/span><span id=\"tap-cap-bas\">\u2014<\/span><\/div>\r\n    <div class=\"diff-row\"><span>Avec revenu moyen major\u00e9 *<\/span><span id=\"tap-cap-moy\">\u2014<\/span><\/div>\r\n    <div class=\"diff-ecart\">Diff\u00e9rence potentielle : <span id=\"tap-cap-diff\">\u2014<\/span><\/div>\r\n  <\/div>\r\n\r\n  <div id=\"tap-cap-standard-box\" style=\"display:none;\">\r\n    <div class=\"result-card card-vert\">\r\n      <div class=\"lbl-r\">Capacit\u00e9 d'achat estim\u00e9e<\/div>\r\n      <div class=\"val\" id=\"tap-cap-standard\" style=\"color:#10B981;\">\u2014<\/div>\r\n      <div class=\"sub\">Bas\u00e9e sur le revenu admissible standard<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div id=\"tap-cta\"><\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"ta-pub-note\">\r\nLes r\u00e9sultats sont pr\u00e9sent\u00e9s \u00e0 titre indicatif seulement. Le revenu admissible r\u00e9el varie selon le pr\u00eateur, les documents fournis et l'analyse compl\u00e8te du dossier. La capacit\u00e9 d'achat est estim\u00e9e selon les ratios ABD (39 %) et ATD (44 %). <strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse personnalis\u00e9e 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 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(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\n\r\nfunction calcCapacite(revAnnuel,mdfInput,mdfAuto,taux,amort,chauf,dettes){\r\n  if(revAnnuel<=0)return 0;\r\n  var tqual=Math.max(5.25,taux+2);\r\n  var r=pRate(tqual,12);var nT=amort*12;\r\n  var revM=revAnnuel\/12;\r\n  var mdfPct=0.05;\r\n\r\n  function estFaisable(prix){\r\n    var taxesMois=prix*0.008\/12;\r\n    var abdMax=revM*0.39-chauf-taxesMois;\r\n    var atdMax=revM*0.44-chauf-taxesMois-dettes;\r\n    var versMax=Math.min(abdMax,atdMax);\r\n    if(versMax<=0) return false;\r\n    var mdf=mdfAuto?prix*mdfPct:mdfInput;\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 vers=calcPmt(pretB+prime,r,nT);\r\n    return vers<=versMax;\r\n  }\r\n\r\n  var plafondSup=Math.min(3000000,Math.ceil(revAnnuel*10\/1000)*1000);\r\n  var prix=plafondSup;\r\n  while(prix>0 && !estFaisable(prix)){\r\n    prix-=1000;\r\n  }\r\n  return Math.max(0,prix-1000);\r\n}\r\n\r\nfunction calcTAP(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var r1=parseFloat(el('tap-r1').value)||0;\r\n  var r2=parseFloat(el('tap-r2').value)||0;\r\n  var mdfAuto=el('tap-mdf-auto').checked;\r\n  var mdfInput=parseFloat(el('tap-mdf').value)||0;\r\n  el('tap-mdf').disabled=mdfAuto;\r\n  el('tap-mdf').style.opacity=mdfAuto?'0.5':'1';\r\n  var taux=parseFloat(el('tap-taux').value)||0;\r\n  var amort=parseInt(el('tap-amort').value)||25;\r\n  var chauf=parseFloat(el('tap-chauf').value)||0;\r\n  var dettes=parseFloat(el('tap-dettes').value)||0;\r\n  var tqualDisplay=Math.max(5.25,taux+2);\r\n  el('tap-tqual-note').textContent='\ud83d\udca1 Taux de qualification : '+tqualDisplay.toFixed(2)+' % (taux + 2 % ou 5,25 %, le plus \u00e9lev\u00e9)';\r\n\r\n  var moy=r1>0&&r2>0?(r1+r2)\/2:Math.max(r1,r2);\r\n  var plusBas=r1>0&&r2>0?Math.min(r1,r2):Math.max(r1,r2);\r\n  var plusHaut=r1>0&&r2>0?Math.max(r1,r2):Math.max(r1,r2);\r\n  var ecartPct=plusBas>0?(plusHaut-plusBas)\/plusBas*100:0;\r\n  var ecartDepasse=ecartPct>20;\r\n\r\n  \/\/ Revenu standard\r\n  var revStandard=ecartDepasse?plusBas*1.15:moy*1.15;\r\n  el('tap-rev-standard').textContent=fmtCAD(revStandard);\r\n  el('tap-rev-standard-sub').textContent=ecartDepasse\r\n    ?'Revenu le plus bas \u00d7 1,15 (\u00e9cart > 20 %)'\r\n    :'Moyenne des 2 ans \u00d7 1,15';\r\n\r\n  \/\/ Analyse \u00e9cart\r\n  var ecartBox=el('tap-ecart-box');\r\n  var ecartTitre=el('tap-ecart-titre');\r\n  var ecartTexte=el('tap-ecart-texte');\r\n\r\n  if(!ecartDepasse){\r\n    ecartBox.className='ecart-box ecart-ok';\r\n    ecartTitre.className='ecart-titre ecart-titre-ok';\r\n    ecartTexte.className='ecart-texte ecart-texte-ok';\r\n    ecartTitre.textContent='\u2713 \u00c9cart dans les limites ('+ecartPct.toFixed(1)+' %)';\r\n    ecartTexte.textContent='L ecart entre vos deux annees est de '+ecartPct.toFixed(1)+' % \u2014 en dessous du seuil de 20 %. La moyenne de vos revenus peut etre utilisee par les preteurs.';\r\n  }else{\r\n    ecartBox.className='ecart-box ecart-warn';\r\n    ecartTitre.className='ecart-titre ecart-titre-warn';\r\n    ecartTexte.className='ecart-texte ecart-texte-warn';\r\n    ecartTitre.textContent='\u26a0 \u00c9cart de '+ecartPct.toFixed(1)+' % \u2014 d\u00e9passe le seuil de 20 %';\r\n    ecartTexte.textContent='La plupart des pr\u00eateurs utiliseront le revenu le plus bas ('+fmtCAD(plusBas)+') comme base de calcul. Cependant, une solution existe pour certains profils \u2014 contactez-moi pour \u00e9valuer votre situation.';\r\n  }\r\n\r\n  \/\/ Capacit\u00e9s d'achat\r\n  var capStandard=calcCapacite(revStandard,mdfInput,mdfAuto,taux,amort,chauf,dettes);\r\n\r\n  if(ecartDepasse){\r\n    \/\/ Montrer les deux sc\u00e9narios\r\n    var capMoyenne=calcCapacite(moy*1.15,mdfInput,mdfAuto,taux,amort,chauf,dettes);\r\n    var capBas=calcCapacite(plusBas*1.15,mdfInput,mdfAuto,taux,amort,chauf,dettes);\r\n    var diff=capMoyenne-capBas;\r\n    el('tap-diff-box').style.display='block';\r\n    el('tap-cap-standard-box').style.display='none';\r\n    el('tap-cap-bas').textContent=fmtCAD(capBas);\r\n    el('tap-cap-moy').textContent=fmtCAD(capMoyenne);\r\n    el('tap-cap-diff').textContent=fmtCAD(diff);\r\n    el('tap-cta').innerHTML='<div class=\"cta-box\"><p><strong>'+fmtCAD(diff)+' de capacite d achat supplementaire pourraient etre accessibles.<\/strong><br>Certains preteurs, accessibles uniquement par l entremise d un courtier hypothecaire, permettent d utiliser la moyenne majoree plutot que le revenu le plus bas. Cette option n est generalement pas offerte directement par les institutions bancaires traditionnelles. Chaque dossier est analyse individuellement, contactez-moi pour evaluer votre situation.<\/p><a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Evaluer mon dossier \u2192<\/a><\/div>';\r\n  }else{\r\n    el('tap-diff-box').style.display='none';\r\n    el('tap-cap-standard-box').style.display='block';\r\n    el('tap-cap-standard').textContent=fmtCAD(capStandard);\r\n    el('tap-cta').innerHTML='<div class=\"cta-box\"><p><strong>Votre capacite d achat estimee est de '+fmtCAD(capStandard)+'.<\/strong><br>Ce resultat est base sur votre revenu admissible estime. Une analyse complete tient compte de votre profil global, dossier de credit, type de propriete, travaux envisages, pour vous donner un portrait juste et des options reelles.<\/p><a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Discutons de votre projet \u2192<\/a><\/div>';\r\n  }\r\n\r\n  \/\/ Info MDF automatique\r\n  var prixRef=ecartDepasse?capBas:capStandard;\r\n  if(mdfAuto&&prixRef>0){\r\n    var mdfCalculee=prixRef*0.05;\r\n    el('tap-mdf-info').style.display='block';\r\n    el('tap-mdf-info').innerHTML='Mise de fonds minimale calcul\u00e9e : <strong>'+fmtCAD(mdfCalculee)+'<\/strong>';\r\n  }else{\r\n    el('tap-mdf-info').style.display='none';\r\n  }\r\n\r\n  \/\/ Avertissement frais d'achat\r\n  var warnBox=el('tap-warn');\r\n  if(prixRef>0){\r\n    var fraisEstimes=Math.round(prixRef*0.04);\r\n    var mdfUtilisee=mdfAuto?prixRef*0.05:mdfInput;\r\n    var mdfMinimale=prixRef*0.05;\r\n    if(mdfAuto||mdfUtilisee<=mdfMinimale*1.15){\r\n      warnBox.style.display='block';\r\n      warnBox.innerHTML='\ud83d\udca1 Rappel \u2014 avec une mise de fonds proche du minimum requis, prevoyez environ '+fmtCAD(fraisEstimes)+' (4 % du prix estime) en epargnes additionnelles pour les frais de cloture (droits de mutation, notaire, inspection). Assurez-vous que ce montant est disponible en plus de votre mise de fonds.';\r\n    }else{\r\n      warnBox.style.display='none';\r\n    }\r\n  }\r\n}\r\n\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcTAP);\r\n}else{\r\n  calcTAP();\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>Quel est mon revenu admissible ? &nbsp;Votre revenu variable peut vous ouvrir plus de portes que vous ne le croyez. &nbsp;<style>\r\n#ta-pub-wrap{font-family:Inter,Arial,sans-serif;font-size:16px;line-height:1.5;color:#1B2430;background:#F7F5F0;padding:32px 22px 60px;border-radius:12px;}\r\n#ta-pub-wrap *{box-sizing:border-box;}\r\n#ta-pub-hdr{padding-bottom:20px;margin-bottom:24px;border-bottom:2px solid 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span:last-child{font-family:monospace;font-weight:700;color:#fff;}\r\n.diff-ecart{font-size:16px;font-weight:700;color:#E8A020;margin-top:10px;padding-top:10px;border-top:1px solid rgba(255,255,255,.2);}\r\n.cta-box{margin-top:16px;padding:18px 20px;border-radius:10px;background:#1B2430;color:#fff;}\r\n.cta-box p{font-size:15px;line-height:1.6;margin-bottom:12px;color:rgba(255,255,255,.85);}\r\n.cta-btn{display:inline-block;padding:12px 22px;background:#E8A020;color:#fff;text-decoration:none;border-radius:8px;font-size:14px;font-weight:700;}\r\n#ta-pub-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=\"ta-pub-wrap\">\r\n<div id=\"ta-pub-hdr\">\r\n  <span id=\"ta-pub-eyebrow\">Calculateur hypoth\u00e9caire \u2014 Travailleur autonome<\/span>\r\n  <div id=\"ta-pub-title\">Quel est mon revenu admissible comme travailleur autonome ?<\/div>\r\n  <div id=\"ta-pub-sub\">Estimez votre revenu admissible selon les m\u00e9thodes utilis\u00e9es par les pr\u00eateurs \u2014 et voyez l'impact r\u00e9el sur votre capacit\u00e9 d'achat.<\/div>\r\n<\/div>\r\n\r\n<div class=\"tap-grid\">\r\n<div id=\"tap-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Vos revenus nets d\u00e9clar\u00e9s<\/div>\r\n  <div class=\"hlp\" style=\"margin-bottom:12px;\">Entrez votre revenu net d'entreprise tel qu'indiqu\u00e9 sur votre d\u00e9claration de revenus (ligne 13500 f\u00e9d\u00e9rale).<\/div>\r\n  <label class=\"lbl\">Revenu net \u2014 Ann\u00e9e 1 (2024) ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-r1\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcTAP()\">\r\n  <label class=\"lbl\">Revenu net \u2014 Ann\u00e9e 2 (2025) ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-r2\" value=\"75000\" min=\"0\" step=\"1000\" oninput=\"calcTAP()\">\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Param\u00e8tres hypoth\u00e9caires<\/div>\r\n  <label class=\"lbl\">Mise de fonds disponible ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-mdf\" value=\"25000\" min=\"0\" step=\"1000\" oninput=\"calcTAP()\">\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=\"tap-mdf-auto\" onchange=\"calcTAP()\" style=\"margin-top:3px;\">\r\n    <span>Calculer avec la mise de fonds minimale requise (5 %)<\/span>\r\n  <\/label>\r\n  <div class=\"hlp\" id=\"tap-mdf-info\" style=\"display:none;\">\u2014<\/div>\r\n  <div class=\"hlp\">N'oubliez pas de pr\u00e9voir aussi les frais d'achat (droits de mutation, notaire, inspection). <a href=\"https:\/\/www.tauxhypotheques.com\/index.php\/calculateur-de-droits-de-mutation-taxe-de-bienvenue\/\" style=\"color:#1E3A8A;font-weight:700;\">Estimez-les avec ce calculateur \u2192<\/a><\/div>\r\n  <div id=\"tap-warn\" class=\"warn-box\"><\/div>\r\n  <label class=\"lbl\">Taux d'int\u00e9r\u00eat annuel (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcTAP()\">\r\n  <div class=\"hlp\" id=\"tap-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=\"tap-amort\" onchange=\"calcTAP()\">\r\n    <option value=\"25\" selected>25 ans<\/option>\r\n    <option value=\"30\">30 ans<\/option>\r\n  <\/select>\r\n  <label class=\"lbl\">Frais de chauffage ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-chauf\" value=\"125\" min=\"0\" oninput=\"calcTAP()\">\r\n  <div class=\"hlp\">Les taxes fonci\u00e8res sont estim\u00e9es automatiquement \u00e0 0,80 % du prix d'achat.<\/div>\r\n  <label class=\"lbl\">Autres dettes mensuelles ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"tap-dettes\" value=\"0\" min=\"0\" oninput=\"calcTAP()\">\r\n  <div class=\"hlp\">Cartes de cr\u00e9dit (5 % du solde), marges (3 % du solde), pr\u00eats auto<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"tap-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <!-- ANALYSE \u00c9CART -->\r\n  <div id=\"tap-ecart-box\" class=\"ecart-box ecart-ok\" style=\"margin-bottom:14px;\">\r\n    <div class=\"ecart-titre ecart-titre-ok\" id=\"tap-ecart-titre\">Analyse de l'\u00e9cart<\/div>\r\n    <div class=\"ecart-texte ecart-texte-ok\" id=\"tap-ecart-texte\">\u2014<\/div>\r\n  <\/div>\r\n\r\n  <!-- REVENU ADMISSIBLE STANDARD -->\r\n  <div class=\"result-card card-bleu\">\r\n    <div class=\"lbl-r\">Revenu admissible \u2014 M\u00e9thode standard<\/div>\r\n    <div class=\"val\" id=\"tap-rev-standard\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"tap-rev-standard-sub\">Moyenne des 2 ans \u00d7 1,15<\/div>\r\n  <\/div>\r\n\r\n  <!-- CAPACIT\u00c9S D'ACHAT -->\r\n  <div id=\"tap-diff-box\" class=\"diff-box\" style=\"display:none;\">\r\n    <div class=\"diff-titre\">Impact sur votre capacit\u00e9 d'achat<\/div>\r\n    <div class=\"diff-row\"><span>Avec revenu le plus bas<\/span><span id=\"tap-cap-bas\">\u2014<\/span><\/div>\r\n    <div class=\"diff-row\"><span>Avec revenu moyen major\u00e9 *<\/span><span id=\"tap-cap-moy\">\u2014<\/span><\/div>\r\n    <div class=\"diff-ecart\">Diff\u00e9rence potentielle : <span id=\"tap-cap-diff\">\u2014<\/span><\/div>\r\n  <\/div>\r\n\r\n  <div id=\"tap-cap-standard-box\" style=\"display:none;\">\r\n    <div class=\"result-card card-vert\">\r\n      <div class=\"lbl-r\">Capacit\u00e9 d'achat estim\u00e9e<\/div>\r\n      <div class=\"val\" id=\"tap-cap-standard\" style=\"color:#10B981;\">\u2014<\/div>\r\n      <div class=\"sub\">Bas\u00e9e sur le revenu admissible standard<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div id=\"tap-cta\"><\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"ta-pub-note\">\r\nLes r\u00e9sultats sont pr\u00e9sent\u00e9s \u00e0 titre indicatif seulement. Le revenu admissible r\u00e9el varie selon le pr\u00eateur, les documents fournis et l'analyse compl\u00e8te du dossier. La capacit\u00e9 d'achat est estim\u00e9e selon les ratios ABD (39 %) et ATD (44 %). <strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse personnalis\u00e9e 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 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(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\n\r\nfunction calcCapacite(revAnnuel,mdfInput,mdfAuto,taux,amort,chauf,dettes){\r\n  if(revAnnuel<=0)return 0;\r\n  var tqual=Math.max(5.25,taux+2);\r\n  var r=pRate(tqual,12);var nT=amort*12;\r\n  var revM=revAnnuel\/12;\r\n  var mdfPct=0.05;\r\n\r\n  function estFaisable(prix){\r\n    var taxesMois=prix*0.008\/12;\r\n    var abdMax=revM*0.39-chauf-taxesMois;\r\n    var atdMax=revM*0.44-chauf-taxesMois-dettes;\r\n    var versMax=Math.min(abdMax,atdMax);\r\n    if(versMax<=0) return false;\r\n    var mdf=mdfAuto?prix*mdfPct:mdfInput;\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 vers=calcPmt(pretB+prime,r,nT);\r\n    return vers<=versMax;\r\n  }\r\n\r\n  var plafondSup=Math.min(3000000,Math.ceil(revAnnuel*10\/1000)*1000);\r\n  var prix=plafondSup;\r\n  while(prix>0 && !estFaisable(prix)){\r\n    prix-=1000;\r\n  }\r\n  return Math.max(0,prix-1000);\r\n}\r\n\r\nfunction calcTAP(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var r1=parseFloat(el('tap-r1').value)||0;\r\n  var r2=parseFloat(el('tap-r2').value)||0;\r\n  var mdfAuto=el('tap-mdf-auto').checked;\r\n  var mdfInput=parseFloat(el('tap-mdf').value)||0;\r\n  el('tap-mdf').disabled=mdfAuto;\r\n  el('tap-mdf').style.opacity=mdfAuto?'0.5':'1';\r\n  var taux=parseFloat(el('tap-taux').value)||0;\r\n  var amort=parseInt(el('tap-amort').value)||25;\r\n  var chauf=parseFloat(el('tap-chauf').value)||0;\r\n  var dettes=parseFloat(el('tap-dettes').value)||0;\r\n  var tqualDisplay=Math.max(5.25,taux+2);\r\n  el('tap-tqual-note').textContent='\ud83d\udca1 Taux de qualification : '+tqualDisplay.toFixed(2)+' % (taux + 2 % ou 5,25 %, le plus \u00e9lev\u00e9)';\r\n\r\n  var moy=r1>0&&r2>0?(r1+r2)\/2:Math.max(r1,r2);\r\n  var plusBas=r1>0&&r2>0?Math.min(r1,r2):Math.max(r1,r2);\r\n  var plusHaut=r1>0&&r2>0?Math.max(r1,r2):Math.max(r1,r2);\r\n  var ecartPct=plusBas>0?(plusHaut-plusBas)\/plusBas*100:0;\r\n  var ecartDepasse=ecartPct>20;\r\n\r\n  \/\/ Revenu standard\r\n  var revStandard=ecartDepasse?plusBas*1.15:moy*1.15;\r\n  el('tap-rev-standard').textContent=fmtCAD(revStandard);\r\n  el('tap-rev-standard-sub').textContent=ecartDepasse\r\n    ?'Revenu le plus bas \u00d7 1,15 (\u00e9cart > 20 %)'\r\n    :'Moyenne des 2 ans \u00d7 1,15';\r\n\r\n  \/\/ Analyse \u00e9cart\r\n  var ecartBox=el('tap-ecart-box');\r\n  var ecartTitre=el('tap-ecart-titre');\r\n  var ecartTexte=el('tap-ecart-texte');\r\n\r\n  if(!ecartDepasse){\r\n    ecartBox.className='ecart-box ecart-ok';\r\n    ecartTitre.className='ecart-titre ecart-titre-ok';\r\n    ecartTexte.className='ecart-texte ecart-texte-ok';\r\n    ecartTitre.textContent='\u2713 \u00c9cart dans les limites ('+ecartPct.toFixed(1)+' %)';\r\n    ecartTexte.textContent='L ecart entre vos deux annees est de '+ecartPct.toFixed(1)+' % \u2014 en dessous du seuil de 20 %. La moyenne de vos revenus peut etre utilisee par les preteurs.';\r\n  }else{\r\n    ecartBox.className='ecart-box ecart-warn';\r\n    ecartTitre.className='ecart-titre ecart-titre-warn';\r\n    ecartTexte.className='ecart-texte ecart-texte-warn';\r\n    ecartTitre.textContent='\u26a0 \u00c9cart de '+ecartPct.toFixed(1)+' % \u2014 d\u00e9passe le seuil de 20 %';\r\n    ecartTexte.textContent='La plupart des pr\u00eateurs utiliseront le revenu le plus bas ('+fmtCAD(plusBas)+') comme base de calcul. Cependant, une solution existe pour certains profils \u2014 contactez-moi pour \u00e9valuer votre situation.';\r\n  }\r\n\r\n  \/\/ Capacit\u00e9s d'achat\r\n  var capStandard=calcCapacite(revStandard,mdfInput,mdfAuto,taux,amort,chauf,dettes);\r\n\r\n  if(ecartDepasse){\r\n    \/\/ Montrer les deux sc\u00e9narios\r\n    var capMoyenne=calcCapacite(moy*1.15,mdfInput,mdfAuto,taux,amort,chauf,dettes);\r\n    var capBas=calcCapacite(plusBas*1.15,mdfInput,mdfAuto,taux,amort,chauf,dettes);\r\n    var diff=capMoyenne-capBas;\r\n    el('tap-diff-box').style.display='block';\r\n    el('tap-cap-standard-box').style.display='none';\r\n    el('tap-cap-bas').textContent=fmtCAD(capBas);\r\n    el('tap-cap-moy').textContent=fmtCAD(capMoyenne);\r\n    el('tap-cap-diff').textContent=fmtCAD(diff);\r\n    el('tap-cta').innerHTML='<div class=\"cta-box\"><p><strong>'+fmtCAD(diff)+' de capacite d achat supplementaire pourraient etre accessibles.<\/strong><br>Certains preteurs, accessibles uniquement par l entremise d un courtier hypothecaire, permettent d utiliser la moyenne majoree plutot que le revenu le plus bas. Cette option n est generalement pas offerte directement par les institutions bancaires traditionnelles. Chaque dossier est analyse individuellement, contactez-moi pour evaluer votre situation.<\/p><a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Evaluer mon dossier \u2192<\/a><\/div>';\r\n  }else{\r\n    el('tap-diff-box').style.display='none';\r\n    el('tap-cap-standard-box').style.display='block';\r\n    el('tap-cap-standard').textContent=fmtCAD(capStandard);\r\n    el('tap-cta').innerHTML='<div class=\"cta-box\"><p><strong>Votre capacite d achat estimee est de '+fmtCAD(capStandard)+'.<\/strong><br>Ce resultat est base sur votre revenu admissible estime. Une analyse complete tient compte de votre profil global, dossier de credit, type de propriete, travaux envisages, pour vous donner un portrait juste et des options reelles.<\/p><a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Discutons de votre projet \u2192<\/a><\/div>';\r\n  }\r\n\r\n  \/\/ Info MDF automatique\r\n  var prixRef=ecartDepasse?capBas:capStandard;\r\n  if(mdfAuto&&prixRef>0){\r\n    var mdfCalculee=prixRef*0.05;\r\n    el('tap-mdf-info').style.display='block';\r\n    el('tap-mdf-info').innerHTML='Mise de fonds minimale calcul\u00e9e : <strong>'+fmtCAD(mdfCalculee)+'<\/strong>';\r\n  }else{\r\n    el('tap-mdf-info').style.display='none';\r\n  }\r\n\r\n  \/\/ Avertissement frais d'achat\r\n  var warnBox=el('tap-warn');\r\n  if(prixRef>0){\r\n    var fraisEstimes=Math.round(prixRef*0.04);\r\n    var mdfUtilisee=mdfAuto?prixRef*0.05:mdfInput;\r\n    var mdfMinimale=prixRef*0.05;\r\n    if(mdfAuto||mdfUtilisee<=mdfMinimale*1.15){\r\n      warnBox.style.display='block';\r\n      warnBox.innerHTML='\ud83d\udca1 Rappel \u2014 avec une mise de fonds proche du minimum requis, prevoyez environ '+fmtCAD(fraisEstimes)+' (4 % du prix estime) en epargnes additionnelles pour les frais de cloture (droits de mutation, notaire, inspection). Assurez-vous que ce montant est disponible en plus de votre mise de fonds.';\r\n    }else{\r\n      warnBox.style.display='none';\r\n    }\r\n  }\r\n}\r\n\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcTAP);\r\n}else{\r\n  calcTAP();\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-308434","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>Revenu admissible hypoth\u00e8que \u2014 Travailleur autonome Qu\u00e9bec | Diane Garneau<\/title>\r\n<meta name=\"description\" content=\"Estimez votre revenu admissible selon les m\u00e9thodes des pr\u00eateurs hypoth\u00e9caires. 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