{"id":308470,"date":"2026-08-06T21:25:08","date_gmt":"2026-08-06T21:25:08","guid":{"rendered":"https:\/\/www.tauxhypotheques.com\/?page_id=308470"},"modified":"2026-09-29T18:03:08","modified_gmt":"2026-09-29T18:03:08","slug":"calculateur-refinancement-hypothecaire","status":"publish","type":"page","link":"https:\/\/www.tauxhypotheques.com\/index.php\/calculateur-refinancement-hypothecaire\/","title":{"rendered":"Calculateur refinancement hypoth\u00e9caire &#8211; simple"},"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\u00bb30px\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; width=\u00a0\u00bb100%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb||-85px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb60px|35px||40px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p style=\"text-align: center;\">Est-ce le bon moment de refinancer ?<\/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 custom_padding=\u00a0\u00bb|35px||40px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p style=\"text-align: center;\">\n<p style=\"text-align: center;\">\u00a0Estimez rapidement vos \u00e9conomies potentielles<\/p>\n<p style=\"text-align: center;\">avant de d\u00e9cider.<\/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; 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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#rs-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=\"refi-sim-wrap\">\r\n<div id=\"rs-hdr\">\r\n  <span id=\"rs-eyebrow\">Calculateur hypoth\u00e9caire<\/span>\r\n  <div id=\"rs-title\">Est-ce le bon moment de refinancer ?<\/div>\r\n  <div id=\"rs-sub\">Estimez rapidement l'\u00e9conomie potentielle d'un refinancement \u00e0 un taux plus avantageux \u2014 avant de contacter votre pr\u00eateur ou votre courti\u00e8re.<\/div>\r\n<\/div>\r\n\r\n<div class=\"rs-grid\">\r\n<div id=\"rs-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre situation actuelle<\/div>\r\n  <label class=\"lbl\">Solde hypoth\u00e9caire actuel ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-solde\" value=\"300000\" min=\"0\" step=\"5000\" oninput=\"calcRS()\">\r\n  <label class=\"lbl\">Taux actuel (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-taux-act\" value=\"5.50\" min=\"0\" step=\"0.05\" oninput=\"calcRS()\">\r\n  <label class=\"lbl\">Mois restants au terme<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-mois\" value=\"36\" min=\"1\" max=\"120\" step=\"1\" oninput=\"calcRS()\">\r\n  <div class=\"hlp\">Ex. : terme se terminant dans 3 ans = 36 mois<\/div>\r\n  <label class=\"lbl\">Amortissement restant (ann\u00e9es)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-amort\" value=\"20\" min=\"1\" max=\"30\" step=\"1\" oninput=\"calcRS()\">\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Nouveau financement envisag\u00e9<\/div>\r\n  <label class=\"lbl\">Nouveau taux estim\u00e9 (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-taux-new\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcRS()\">\r\n  <div class=\"hlp\">Utilisez un taux indicatif du march\u00e9 actuel \u2014 votre courti\u00e8re pourra confirmer le taux r\u00e9el disponible pour votre profil.<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"rs-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats estim\u00e9s<\/div>\r\n\r\n  <div class=\"result-hero\">\r\n    <div class=\"lbl-r\">\u00c9conomie mensuelle estim\u00e9e<\/div>\r\n    <div class=\"val\" id=\"rs-eco-mois\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"rs-eco-sub\">Sur la dur\u00e9e restante du terme<\/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\">Versement actuel<\/div>\r\n      <div class=\"val\" id=\"rs-vers-act\" style=\"color:#1E3A8A\">\u2014<\/div>\r\n      <div class=\"sub\">Au taux actuel<\/div>\r\n    <\/div>\r\n    <div class=\"result-card card-vert\">\r\n      <div class=\"lbl-r\">Nouveau versement<\/div>\r\n      <div class=\"val\" id=\"rs-vers-new\" style=\"color:#10B981\">\u2014<\/div>\r\n      <div class=\"sub\">Au nouveau taux<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"sum-box\">\r\n    <div class=\"sum-row\"><span>Int\u00e9r\u00eats sur terme restant (taux actuel)<\/span><strong id=\"rs-int-act\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Int\u00e9r\u00eats sur nouveau terme (nouveau taux)<\/span><strong id=\"rs-int-new\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row sum-total\"><span>\u00c9conomie brute estim\u00e9e sur le terme<\/span><strong id=\"rs-eco-brute\">\u2014<\/strong><\/div>\r\n  <\/div>\r\n\r\n  <div class=\"penalite-box\">\r\n    <strong>\u26a0 La p\u00e9nalit\u00e9 de remboursement anticip\u00e9 n'est pas incluse.<\/strong><br>\r\n    Elle peut repr\u00e9senter plusieurs milliers de dollars et r\u00e9duire \u2014 ou \u00e9liminer \u2014 les \u00e9conomies estim\u00e9es. Le point de rentabilit\u00e9 r\u00e9el d\u00e9pend du montant exact de votre p\u00e9nalit\u00e9, que seul votre pr\u00eateur peut confirmer.<br><br>\r\n    <strong>R\u00e8gle g\u00e9n\u00e9rale :<\/strong> taux variable = 3 mois d'int\u00e9r\u00eats \u00b7 taux fixe = diff\u00e9rentiel de taux (IRD), souvent beaucoup plus \u00e9lev\u00e9.\r\n  <\/div>\r\n<div style=\"margin-top:12px;padding:14px 16px;border-radius:8px;background:#EEF4FF;border:1.5px solid #1E3A8A;font-size:14px;color:#1B2430;line-height:1.6;\">\r\n    \ud83d\udca1 <strong>Ce calcul ne tient pas compte de vos dettes \u00e0 taux \u00e9lev\u00e9.<\/strong><br>\r\n    Si vous avez des cartes de cr\u00e9dit, marges ou pr\u00eats personnels, un refinancement avec consolidation de dettes pourrait g\u00e9n\u00e9rer des \u00e9conomies beaucoup plus importantes que ce que ce calculateur affiche. Le portrait r\u00e9el de votre situation peut \u00eatre tr\u00e8s diff\u00e9rent.\r\n  <\/div>\r\n\t\r\n  <div class=\"cta-box\">\r\n    <p id=\"rs-cta-msg\"><strong>Ces \u00e9conomies valent-elles la peine de briser votre terme ?<\/strong><br>\r\n    Votre p\u00e9nalit\u00e9 exacte, les frais notariaux et les conditions du nouveau pr\u00eat d\u00e9termineront si le refinancement est vraiment avantageux dans votre situation. Une analyse compl\u00e8te prend 30 minutes.<\/p>\r\n    <a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Obtenir mon analyse compl\u00e8te \u2192<\/a>\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"rs-note\">\r\nLes r\u00e9sultats sont pr\u00e9sent\u00e9s \u00e0 titre indicatif seulement. Les \u00e9conomies r\u00e9elles varient selon la p\u00e9nalit\u00e9 de votre pr\u00eateur, les frais notariaux et les conditions du nouveau pr\u00eat. <strong>Consultez votre courti\u00e8re hypoth\u00e9caire avant toute d\u00e9cision de refinancement.<\/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\n\r\nfunction calcRS(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var solde=parseFloat(el('rs-solde').value)||0;\r\n  var tauxAct=parseFloat(el('rs-taux-act').value)||0;\r\n  var mois=parseInt(el('rs-mois').value)||36;\r\n  var amort=parseInt(el('rs-amort').value)||20;\r\n  var tauxNew=parseFloat(el('rs-taux-new').value)||0;\r\n\r\n  var rAct=pRate(tauxAct,12);\r\n  var rNew=pRate(tauxNew,12);\r\n  var nRest=amort*12;\r\n\r\n  var versAct=calcPmt(solde,rAct,nRest);\r\n  var versNew=calcPmt(solde,rNew,nRest);\r\n  var ecoMois=versAct-versNew;\r\n\r\n  \/\/ Int\u00e9r\u00eats sur terme restant\r\n  var intAct=0,intNew=0;\r\n  var sAct=solde,sNew=solde;\r\n  var nNew=Math.min(mois,nRest);\r\n  for(var i=0;i<mois&&i<nRest;i++){\r\n    var iA=sAct*rAct; intAct+=iA; sAct-=(versAct-iA);\r\n  }\r\n  for(var i=0;i<nNew;i++){\r\n    var iN=sNew*rNew; intNew+=iN; sNew-=(versNew-iN);\r\n  }\r\n  var ecoBrute=intAct-intNew;\r\n\r\n  el('rs-vers-act').textContent=fmtCAD(versAct)+'\/mois';\r\n  el('rs-vers-new').textContent=fmtCAD(versNew)+'\/mois';\r\n  el('rs-eco-mois').textContent=(ecoMois>=0?'+':'')+fmtCAD(ecoMois)+'\/mois';\r\n  el('rs-eco-sub').textContent=ecoMois>=0?'\u00c9conomie mensuelle estim\u00e9e':'Le nouveau taux est plus \u00e9lev\u00e9';\r\n  el('rs-int-act').textContent=fmtCAD(intAct);\r\n  el('rs-int-new').textContent=fmtCAD(intNew);\r\n  el('rs-eco-brute').textContent=(ecoBrute>=0?'+':'')+fmtCAD(ecoBrute);\r\n\r\n  \/\/ Message CTA contextualis\u00e9\r\n  var ctaMsg=el('rs-cta-msg');\r\n  if(ecoMois>500){\r\n    ctaMsg.innerHTML='<strong>Les \u00e9conomies potentielles sont significatives \u2014 \u00e7a vaut la peine d\\'analyser.<\/strong><br>Votre p\u00e9nalit\u00e9 exacte et les frais notariaux d\u00e9termineront le point de rentabilit\u00e9 r\u00e9el. Une analyse compl\u00e8te de 30 minutes vous donnera une r\u00e9ponse claire.';\r\n  }else if(ecoMois>0){\r\n    ctaMsg.innerHTML='<strong>Des \u00e9conomies sont possibles \u2014 mais la p\u00e9nalit\u00e9 sera d\u00e9terminante.<\/strong><br>Avec une \u00e9conomie mensuelle de '+fmtCAD(ecoMois)+', il faudra \u00e9valuer si les co\u00fbts de refinancement se rentabilisent avant la prochaine \u00e9ch\u00e9ance.';\r\n  }else{\r\n    ctaMsg.innerHTML='<strong>Le nouveau taux ne g\u00e9n\u00e8re pas d\\'\u00e9conomies imm\u00e9diates.<\/strong><br>D\\'autres raisons peuvent justifier un refinancement \u2014 consolidation de dettes, lib\u00e9ration d\\'\u00e9quit\u00e9 ou changement de conditions. Discutons de votre situation globale.';\r\n  }\r\n}\r\n\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcRS);\r\n}else{\r\n  calcRS();\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>Est-ce le bon moment de refinancer ? &nbsp; \u00a0Estimez rapidement vos \u00e9conomies potentielles avant de d\u00e9cider. &nbsp;<style>\r\n#refi-sim-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#refi-sim-wrap *{box-sizing:border-box;}\r\n#rs-hdr{padding-bottom:20px;margin-bottom:24px;border-bottom:2px solid 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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#rs-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=\"refi-sim-wrap\">\r\n<div id=\"rs-hdr\">\r\n  <span id=\"rs-eyebrow\">Calculateur hypoth\u00e9caire<\/span>\r\n  <div id=\"rs-title\">Est-ce le bon moment de refinancer ?<\/div>\r\n  <div id=\"rs-sub\">Estimez rapidement l'\u00e9conomie potentielle d'un refinancement \u00e0 un taux plus avantageux \u2014 avant de contacter votre pr\u00eateur ou votre courti\u00e8re.<\/div>\r\n<\/div>\r\n\r\n<div class=\"rs-grid\">\r\n<div id=\"rs-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre situation actuelle<\/div>\r\n  <label class=\"lbl\">Solde hypoth\u00e9caire actuel ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-solde\" value=\"300000\" min=\"0\" step=\"5000\" oninput=\"calcRS()\">\r\n  <label class=\"lbl\">Taux actuel (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-taux-act\" value=\"5.50\" min=\"0\" step=\"0.05\" oninput=\"calcRS()\">\r\n  <label class=\"lbl\">Mois restants au terme<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-mois\" value=\"36\" min=\"1\" max=\"120\" step=\"1\" oninput=\"calcRS()\">\r\n  <div class=\"hlp\">Ex. : terme se terminant dans 3 ans = 36 mois<\/div>\r\n  <label class=\"lbl\">Amortissement restant (ann\u00e9es)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-amort\" value=\"20\" min=\"1\" max=\"30\" step=\"1\" oninput=\"calcRS()\">\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Nouveau financement envisag\u00e9<\/div>\r\n  <label class=\"lbl\">Nouveau taux estim\u00e9 (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"rs-taux-new\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcRS()\">\r\n  <div class=\"hlp\">Utilisez un taux indicatif du march\u00e9 actuel \u2014 votre courti\u00e8re pourra confirmer le taux r\u00e9el disponible pour votre profil.<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"rs-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats estim\u00e9s<\/div>\r\n\r\n  <div class=\"result-hero\">\r\n    <div class=\"lbl-r\">\u00c9conomie mensuelle estim\u00e9e<\/div>\r\n    <div class=\"val\" id=\"rs-eco-mois\">\u2014<\/div>\r\n    <div class=\"sub\" id=\"rs-eco-sub\">Sur la dur\u00e9e restante du terme<\/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\">Versement actuel<\/div>\r\n      <div class=\"val\" id=\"rs-vers-act\" style=\"color:#1E3A8A\">\u2014<\/div>\r\n      <div class=\"sub\">Au taux actuel<\/div>\r\n    <\/div>\r\n    <div class=\"result-card card-vert\">\r\n      <div class=\"lbl-r\">Nouveau versement<\/div>\r\n      <div class=\"val\" id=\"rs-vers-new\" style=\"color:#10B981\">\u2014<\/div>\r\n      <div class=\"sub\">Au nouveau taux<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"sum-box\">\r\n    <div class=\"sum-row\"><span>Int\u00e9r\u00eats sur terme restant (taux actuel)<\/span><strong id=\"rs-int-act\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row\"><span>Int\u00e9r\u00eats sur nouveau terme (nouveau taux)<\/span><strong id=\"rs-int-new\">\u2014<\/strong><\/div>\r\n    <div class=\"sum-row sum-total\"><span>\u00c9conomie brute estim\u00e9e sur le terme<\/span><strong id=\"rs-eco-brute\">\u2014<\/strong><\/div>\r\n  <\/div>\r\n\r\n  <div class=\"penalite-box\">\r\n    <strong>\u26a0 La p\u00e9nalit\u00e9 de remboursement anticip\u00e9 n'est pas incluse.<\/strong><br>\r\n    Elle peut repr\u00e9senter plusieurs milliers de dollars et r\u00e9duire \u2014 ou \u00e9liminer \u2014 les \u00e9conomies estim\u00e9es. Le point de rentabilit\u00e9 r\u00e9el d\u00e9pend du montant exact de votre p\u00e9nalit\u00e9, que seul votre pr\u00eateur peut confirmer.<br><br>\r\n    <strong>R\u00e8gle g\u00e9n\u00e9rale :<\/strong> taux variable = 3 mois d'int\u00e9r\u00eats \u00b7 taux fixe = diff\u00e9rentiel de taux (IRD), souvent beaucoup plus \u00e9lev\u00e9.\r\n  <\/div>\r\n<div style=\"margin-top:12px;padding:14px 16px;border-radius:8px;background:#EEF4FF;border:1.5px solid #1E3A8A;font-size:14px;color:#1B2430;line-height:1.6;\">\r\n    \ud83d\udca1 <strong>Ce calcul ne tient pas compte de vos dettes \u00e0 taux \u00e9lev\u00e9.<\/strong><br>\r\n    Si vous avez des cartes de cr\u00e9dit, marges ou pr\u00eats personnels, un refinancement avec consolidation de dettes pourrait g\u00e9n\u00e9rer des \u00e9conomies beaucoup plus importantes que ce que ce calculateur affiche. Le portrait r\u00e9el de votre situation peut \u00eatre tr\u00e8s diff\u00e9rent.\r\n  <\/div>\r\n\t\r\n  <div class=\"cta-box\">\r\n    <p id=\"rs-cta-msg\"><strong>Ces \u00e9conomies valent-elles la peine de briser votre terme ?<\/strong><br>\r\n    Votre p\u00e9nalit\u00e9 exacte, les frais notariaux et les conditions du nouveau pr\u00eat d\u00e9termineront si le refinancement est vraiment avantageux dans votre situation. Une analyse compl\u00e8te prend 30 minutes.<\/p>\r\n    <a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Obtenir mon analyse compl\u00e8te \u2192<\/a>\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"rs-note\">\r\nLes r\u00e9sultats sont pr\u00e9sent\u00e9s \u00e0 titre indicatif seulement. Les \u00e9conomies r\u00e9elles varient selon la p\u00e9nalit\u00e9 de votre pr\u00eateur, les frais notariaux et les conditions du nouveau pr\u00eat. <strong>Consultez votre courti\u00e8re hypoth\u00e9caire avant toute d\u00e9cision de refinancement.<\/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\n\r\nfunction calcRS(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var solde=parseFloat(el('rs-solde').value)||0;\r\n  var tauxAct=parseFloat(el('rs-taux-act').value)||0;\r\n  var mois=parseInt(el('rs-mois').value)||36;\r\n  var amort=parseInt(el('rs-amort').value)||20;\r\n  var tauxNew=parseFloat(el('rs-taux-new').value)||0;\r\n\r\n  var rAct=pRate(tauxAct,12);\r\n  var rNew=pRate(tauxNew,12);\r\n  var nRest=amort*12;\r\n\r\n  var versAct=calcPmt(solde,rAct,nRest);\r\n  var versNew=calcPmt(solde,rNew,nRest);\r\n  var ecoMois=versAct-versNew;\r\n\r\n  \/\/ Int\u00e9r\u00eats sur terme restant\r\n  var intAct=0,intNew=0;\r\n  var sAct=solde,sNew=solde;\r\n  var nNew=Math.min(mois,nRest);\r\n  for(var i=0;i<mois&&i<nRest;i++){\r\n    var iA=sAct*rAct; intAct+=iA; sAct-=(versAct-iA);\r\n  }\r\n  for(var i=0;i<nNew;i++){\r\n    var iN=sNew*rNew; intNew+=iN; sNew-=(versNew-iN);\r\n  }\r\n  var ecoBrute=intAct-intNew;\r\n\r\n  el('rs-vers-act').textContent=fmtCAD(versAct)+'\/mois';\r\n  el('rs-vers-new').textContent=fmtCAD(versNew)+'\/mois';\r\n  el('rs-eco-mois').textContent=(ecoMois>=0?'+':'')+fmtCAD(ecoMois)+'\/mois';\r\n  el('rs-eco-sub').textContent=ecoMois>=0?'\u00c9conomie mensuelle estim\u00e9e':'Le nouveau taux est plus \u00e9lev\u00e9';\r\n  el('rs-int-act').textContent=fmtCAD(intAct);\r\n  el('rs-int-new').textContent=fmtCAD(intNew);\r\n  el('rs-eco-brute').textContent=(ecoBrute>=0?'+':'')+fmtCAD(ecoBrute);\r\n\r\n  \/\/ Message CTA contextualis\u00e9\r\n  var ctaMsg=el('rs-cta-msg');\r\n  if(ecoMois>500){\r\n    ctaMsg.innerHTML='<strong>Les \u00e9conomies potentielles sont significatives \u2014 \u00e7a vaut la peine d\\'analyser.<\/strong><br>Votre p\u00e9nalit\u00e9 exacte et les frais notariaux d\u00e9termineront le point de rentabilit\u00e9 r\u00e9el. Une analyse compl\u00e8te de 30 minutes vous donnera une r\u00e9ponse claire.';\r\n  }else if(ecoMois>0){\r\n    ctaMsg.innerHTML='<strong>Des \u00e9conomies sont possibles \u2014 mais la p\u00e9nalit\u00e9 sera d\u00e9terminante.<\/strong><br>Avec une \u00e9conomie mensuelle de '+fmtCAD(ecoMois)+', il faudra \u00e9valuer si les co\u00fbts de refinancement se rentabilisent avant la prochaine \u00e9ch\u00e9ance.';\r\n  }else{\r\n    ctaMsg.innerHTML='<strong>Le nouveau taux ne g\u00e9n\u00e8re pas d\\'\u00e9conomies imm\u00e9diates.<\/strong><br>D\\'autres raisons peuvent justifier un refinancement \u2014 consolidation de dettes, lib\u00e9ration d\\'\u00e9quit\u00e9 ou changement de conditions. Discutons de votre situation globale.';\r\n  }\r\n}\r\n\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcRS);\r\n}else{\r\n  calcRS();\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-308470","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 refinancement hypoth\u00e9caire - simple - Les Architectes hypoth\u00e9caires<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.tauxhypotheques.com\/index.php\/calculateur-refinancement-hypothecaire\/\" \/>\r\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Calculateur refinancement hypoth\u00e9caire - simple - Les Architectes hypoth\u00e9caires\" \/>\r\n<meta property=\"og:description\" content=\"Est-ce le bon moment de refinancer ? 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