{"id":308561,"date":"2026-08-13T19:59:24","date_gmt":"2026-08-13T19:59:24","guid":{"rendered":"https:\/\/www.tauxhypotheques.com\/?page_id=308561"},"modified":"2026-09-29T17:59:49","modified_gmt":"2026-09-29T17:59:49","slug":"achat-avec-logement-loue-quelle-est-ma-capacite-reelle","status":"publish","type":"page","link":"https:\/\/www.tauxhypotheques.com\/index.php\/achat-avec-logement-loue-quelle-est-ma-capacite-reelle\/","title":{"rendered":"Achat avec logement lou\u00e9 \u2014 Quelle est ma capacit\u00e9 r\u00e9elle ?"},"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 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 hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p style=\"text-align: center;\">Achat avec logement lou\u00e9<\/p>\n<p style=\"text-align: center;\">Quelle est ma capacit\u00e9 r\u00e9elle ?<\/p>[\/et_pb_text][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 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|20px||40px|false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb text_line_height=\u00a0\u00bb1em\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<p style=\"text-align: center;\"><em><\/em><\/p>\n<p style=\"text-align: center;\"><em>Les revenus de location peuvent augmenter <\/em><\/p>\n<p style=\"text-align: center;\"><em>votre capacit\u00e9\u00a0<\/em><em>d&rsquo;achat\u00a0<\/em><em>de <\/em><\/p>\n<p style=\"text-align: center;\"><em>plusieurs dizaines de milliers de dollars.<\/em><\/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 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 global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<style>\r\n#loc-pub-wrap{font-family:Inter,Arial,sans-serif;font-size:16px;line-height:1.5;color:#1B2430;background:#F7F5F0;padding:32px 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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=\"lp-eyebrow\">Calculateur hypoth\u00e9caire<\/span>\r\n  <div id=\"lp-title\">Achat d'une propri\u00e9t\u00e9 avec logement lou\u00e9<\/div>\r\n  <div id=\"lp-sub\">Estimez votre capacit\u00e9 d'achat en tenant compte des revenus de location \u2014 selon la m\u00e9thode la plus avantageuse couramment utilis\u00e9e par les pr\u00eateurs.<\/div>\r\n<\/div>\r\n<button onclick=\"genererPDFlp()\" id=\"lp-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\r\n<div class=\"mode-tabs\">\r\n  <button class=\"mode-tab active\" onclick=\"setMode(1,this)\">\ud83d\udcb0 Quelle est ma capacit\u00e9 d'achat ?<\/button>\r\n  <button class=\"mode-tab\" onclick=\"setMode(2,this)\">\u2705 Est-ce que je qualifie pour ce prix ?<\/button>\r\n<\/div>\r\n\r\n<div class=\"lp-grid\">\r\n<div id=\"lp-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre propri\u00e9t\u00e9<\/div>\r\n  <div id=\"lp-prix-wrap\" style=\"display:none;\">\r\n    <label class=\"lbl\" style=\"margin-top:0;\">Prix d'achat souhait\u00e9 ($)<\/label>\r\n    <input class=\"inp\" type=\"number\" id=\"lp-prix\" value=\"450000\" min=\"0\" step=\"5000\" oninput=\"calcLP()\">\r\n    <div class=\"sep\"><\/div>\r\n  <\/div>\r\n  <label class=\"lbl\" style=\"margin-top:0;\">Type de propri\u00e9t\u00e9<\/label>\r\n  <select class=\"inp\" id=\"lp-type\" onchange=\"calcLP()\">\r\n    <option value=\"duplex\">Duplex (1 logement lou\u00e9)<\/option>\r\n    <option value=\"triplex\">Triplex (2 logements lou\u00e9s)<\/option>\r\n    <option value=\"quadruplex\">Quadruplex (3 logements lou\u00e9s)<\/option>\r\n  <\/select>\r\n  <label class=\"lbl\">Loyer mensuel \u2014 Logement 1 ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-loyer1\" value=\"1200\" min=\"0\" step=\"50\" oninput=\"calcLP()\">\r\n  <div id=\"lp-loyer2-wrap\" style=\"display:none;\">\r\n    <label class=\"lbl\">Loyer mensuel \u2014 Logement 2 ($)<\/label>\r\n    <input class=\"inp\" type=\"number\" id=\"lp-loyer2\" value=\"1100\" min=\"0\" step=\"50\" oninput=\"calcLP()\">\r\n  <\/div>\r\n  <div id=\"lp-loyer3-wrap\" style=\"display:none;\">\r\n    <label class=\"lbl\">Loyer mensuel \u2014 Logement 3 ($)<\/label>\r\n    <input class=\"inp\" type=\"number\" id=\"lp-loyer3\" value=\"1000\" min=\"0\" step=\"50\" oninput=\"calcLP()\">\r\n  <\/div>\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre profil financier<\/div>\r\n  <label class=\"lbl\">Revenu brut annuel ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-revenu\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcLP()\">\r\n  <div class=\"hlp\">Si vous achetez \u00e0 deux, indiquez le revenu brut combin\u00e9.<\/div>\r\n  <label class=\"lbl\">Mise de fonds disponible ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-mdf\" value=\"25000\" min=\"0\" step=\"1000\" oninput=\"calcLP()\">\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=\"lp-mdf-auto\" checked onchange=\"calcLP()\" 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=\"lp-mdf-info\">\u2014<\/div>\r\n  <label class=\"lbl\">Taux contractuel annuel (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcLP()\">\r\n  <div class=\"hlp\" id=\"lp-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=\"lp-amort\" onchange=\"calcLP()\">\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=\"lp-amort-note\" style=\"display:none;\">\u26a0\ufe0f L'amortissement de 30 ans assur\u00e9 est r\u00e9serv\u00e9 aux premiers acheteurs.<\/div>\r\n  <label class=\"lbl\">Autres dettes mensuelles ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-dettes\" value=\"0\" min=\"0\" oninput=\"calcLP()\">\r\n  <div class=\"hlp\">Cartes (5 % du solde), marges (3 % du solde), pr\u00eats auto<\/div>\r\n  <label class=\"lbl\">Frais de chauffage \u2014 unit\u00e9 principale ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-chauf\" value=\"125\" min=\"0\" oninput=\"calcLP()\">\r\n  <label class=\"lbl\">Taxes municipales annuelles connues ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-taxes-annuelles\" value=\"0\" min=\"0\" step=\"100\" oninput=\"calcLP()\">\r\n  <div class=\"hlp\">Laissez \u00e0 0 pour une estimation automatique (0,80 % du prix). Ces frais sont inclus seulement dans le calcul sans revenus de location.<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"lp-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <!-- MODE 1 -->\r\n  <div id=\"lp-resultats-mode1\">\r\n    <div class=\"info-box\">\r\n      \ud83d\udca1 <strong>M\u00e9thode utilis\u00e9e :<\/strong> 50 % des revenus de location sont ajout\u00e9s \u00e0 votre revenu. Sans revenus de location, les taxes et le chauffage sont inclus dans le calcul standard.\r\n    <\/div>\r\n    <div class=\"result-hero\">\r\n      <div class=\"lbl-r\">Capacit\u00e9 d'achat estim\u00e9e<\/div>\r\n      <div class=\"val\" id=\"lp-cap\">\u2014<\/div>\r\n      <div class=\"sub\">Avec 50 % des revenus de location inclus<\/div>\r\n    <\/div>\r\n    <div class=\"grid2\">\r\n      <div class=\"result-card card-bleu\">\r\n        <div class=\"lbl-r\">Sans revenus de location<\/div>\r\n        <div class=\"val\" id=\"lp-cap-sans\" style=\"color:#1E3A8A\">\u2014<\/div>\r\n        <div class=\"sub\">Avec taxes + chauffage<\/div>\r\n      <\/div>\r\n      <div class=\"result-card card-vert\">\r\n        <div class=\"lbl-r\">Gain gr\u00e2ce \u00e0 la location<\/div>\r\n        <div class=\"val\" id=\"lp-cap-gain\" style=\"color:#10B981\">\u2014<\/div>\r\n        <div class=\"sub\">Capacit\u00e9 suppl\u00e9mentaire<\/div>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"sum-box\">\r\n      <div class=\"sum-row\"><span>Revenu brut annuel<\/span><strong id=\"lp-s-rev\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Revenus de location mensuels<\/span><strong id=\"lp-s-loyer\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Portion admissible (50 %)<\/span><strong id=\"lp-s-loyer-adm\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Revenu total pour qualifier<\/span><strong id=\"lp-s-rev-total\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Taux de qualification<\/span><strong id=\"lp-s-tqual\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row sum-total\"><span>Capacit\u00e9 avec location<\/span><strong id=\"lp-s-cap\">\u2014<\/strong><\/div>\r\n    <\/div>\r\n    <div class=\"cta-box\">\r\n      <p><strong>Les r\u00e8gles varient selon le pr\u00eateur et le type de dossier.<\/strong><br>\r\n      Certains pr\u00eateurs permettent d'utiliser 100 % des revenus de location \u2014 ce qui peut augmenter significativement votre capacit\u00e9 d'achat. Une analyse compl\u00e8te peut faire une diff\u00e9rence de plusieurs dizaines de milliers de dollars.<\/p>\r\n      <a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Obtenir une analyse compl\u00e8te \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- MODE 2 -->\r\n  <div id=\"lp-resultats-mode2\" style=\"display:none;\">\r\n    <div class=\"info-box\">\r\n      \ud83d\udca1 <strong>M\u00e9thode utilis\u00e9e :<\/strong> 50 % des revenus de location sont ajout\u00e9s \u00e0 votre revenu. Les frais de taxes et de chauffage ne sont pas inclus dans ce calcul.\r\n    <\/div>\r\n    <div id=\"lp-verdict\"><\/div>\r\n    <div class=\"sum-box\">\r\n      <div class=\"sum-row\"><span>Prix d'achat souhait\u00e9<\/span><strong id=\"lp-m2-prix\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Mise de fonds<\/span><strong id=\"lp-m2-mdf\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Versement au taux de qualification<\/span><strong id=\"lp-m2-vers\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Portion loyer admissible (50 %)<\/span><strong id=\"lp-m2-loyer\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Ratio ABD<\/span><strong id=\"lp-m2-abd\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Ratio ATD<\/span><strong id=\"lp-m2-atd\">\u2014<\/strong><\/div>\r\n    <\/div>\r\n    <div class=\"cta-box\">\r\n      <p id=\"lp-cta-msg2\">\u2014<\/p>\r\n      <a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\" id=\"lp-cta-btn2\">Obtenir une analyse compl\u00e8te \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"lp-note\">\r\nLes r\u00e9sultats sont pr\u00e9sent\u00e9s \u00e0 titre indicatif seulement. Les crit\u00e8res varient selon le pr\u00eateur, le type de dossier et votre profil financier. <strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse personnalis\u00e9e.<\/strong>\r\n<\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar gMode=1;\r\nfunction setMode(m,btn){\r\n  gMode=m;\r\n  document.querySelectorAll('.mode-tab').forEach(function(t){t.classList.remove('active');});\r\n  btn.classList.add('active');\r\n  document.getElementById('lp-prix-wrap').style.display=m===2?'block':'none';\r\n  document.getElementById('lp-resultats-mode1').style.display=m===1?'block':'none';\r\n  document.getElementById('lp-resultats-mode2').style.display=m===2?'block':'none';\r\n  calcLP();\r\n}\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 calcMDFMin(prix,type){\r\n  var standard=prix<=500000?prix*0.05:prix<1500000?25000+(prix-500000)*0.10:prix*0.20;\r\n  if(type==='triplex'||type==='quadruplex'){\r\n    return Math.max(standard,prix*0.10);\r\n  }\r\n  return standard;\r\n}\r\nfunction calcPrime(prix,mdf,amort){var ltv=(prix-mdf)\/prix;var tp=ltv<=0.80?0:ltv<=0.85?0.028:ltv<=0.90?0.031:ltv<=0.95?0.04:null;if(tp===null)return null;if(tp>0&&amort>25)tp+=0.002;return tp;}\r\n\r\nfunction getCapacite(revAnnuel,mdfPct,mdfFixe,useMDFAuto,tqual,amort,dettes,chauf,taxes){\r\n  if(revAnnuel<=0)return 0;\r\n  var c=chauf||0;var t=taxes||0;\r\n  var r=pRate(tqual,12);var nT=amort*12;\r\n  var revM=revAnnuel\/12;\r\n  var abdMax=revM*0.39-c-t;\r\n  var atdMax=revM*0.44-c-t-dettes;\r\n  var versMax=Math.min(abdMax,atdMax);\r\n  if(versMax<=0)return 0;\r\n  var pretEst=versMax*(1-Math.pow(1+r,-nT))\/r;\r\n  var prixEst=useMDFAuto?pretEst*(1+mdfPct+0.04):pretEst+mdfFixe;\r\n  for(var i=0;i<30;i++){\r\n    var mdf=useMDFAuto?prixEst*mdfPct:mdfFixe;\r\n    var tp=calcPrime(prixEst,mdf,amort);\r\n    if(tp===null){prixEst*=0.95;continue;}\r\n    var pretB=prixEst-mdf;var prime=tp>0?pretB*tp:0;\r\n    var versC=calcPmt(pretB+prime,r,nT);\r\n    if(Math.abs(versC-versMax)<0.05)break;\r\n    prixEst=prixEst*(versMax\/versC);\r\n  }\r\n  return Math.floor(prixEst\/1000)*1000;\r\n}\r\n\r\nfunction calcLP(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var type=el('lp-type').value;\r\n  var loyer1=parseFloat(el('lp-loyer1').value)||0;\r\n  var loyer2=type!=='duplex'?parseFloat(el('lp-loyer2').value)||0:0;\r\n  var loyer3=type==='quadruplex'?parseFloat(el('lp-loyer3').value)||0:0;\r\n  var revenu=parseFloat(el('lp-revenu').value)||0;\r\n  var mdfInput=parseFloat(el('lp-mdf').value)||0;\r\n  var taux=parseFloat(el('lp-taux').value)||0;\r\n  var amort=parseInt(el('lp-amort').value)||25;\r\n  el('lp-amort-note').style.display=amort>25?'block':'none';\r\n  var dettes=parseFloat(el('lp-dettes').value)||0;\r\n  var chauf=parseFloat(el('lp-chauf').value)||0;\r\n  var mdfAuto=el('lp-mdf-auto').checked;\r\n  el('lp-loyer2-wrap').style.display=type!=='duplex'?'block':'none';\r\n  el('lp-loyer3-wrap').style.display=type==='quadruplex'?'block':'none';\r\n  var loyerTotal=loyer1+loyer2+loyer3;\r\n  var loyerAdm=loyerTotal*0.50;\r\n  var tqual=Math.max(5.25,taux+2);\r\n  var mdfPct=(type==='triplex'||type==='quadruplex')?0.10:0.05;\r\n  el('lp-tqual-note').textContent='\ud83d\udca1 Taux de qualification : '+tqual.toFixed(2)+' % (taux + 2 % ou 5,25 %, le plus \u00e9lev\u00e9)';\r\n\r\n  if(gMode===1){\r\n    \/\/ Sans location : avec taxes (connues ou estim\u00e9es) + chauffage\r\n    var taxesAnnuelles=parseFloat(el('lp-taxes-annuelles').value)||0;\r\n    var capSans,taxesSansM;\r\n    if(taxesAnnuelles>0){\r\n      taxesSansM=taxesAnnuelles\/12;\r\n      capSans=getCapacite(revenu,mdfPct,mdfInput,mdfAuto,tqual,amort,dettes,chauf,taxesSansM);\r\n    }else{\r\n      capSans=getCapacite(revenu,mdfPct,mdfInput,mdfAuto,tqual,amort,dettes,chauf,0);\r\n      taxesSansM=Math.round(capSans*0.008\/12);\r\n      capSans=getCapacite(revenu,mdfPct,mdfInput,mdfAuto,tqual,amort,dettes,chauf,taxesSansM);\r\n    }\r\n    \/\/ Avec location : chauffage\/taxes inclus SEULEMENT si aucun revenu de location (coh\u00e9rence \u00e0 0$)\r\n    var revAvec=revenu+loyerAdm*12;\r\n    var capAvec;\r\n    if(loyerAdm===0){\r\n      capAvec=capSans;\r\n    }else{\r\n      capAvec=getCapacite(revAvec,mdfPct,mdfInput,mdfAuto,tqual,amort,dettes,0,0);\r\n    }\r\n    var gain=capAvec-capSans;\r\n    var mdfEst=mdfAuto?calcMDFMin(capAvec,type):mdfInput;\r\n    var fraisClotureEst=capAvec*0.015;\r\n    var totalRequisEst=mdfEst+fraisClotureEst;\r\n    if(mdfAuto) el('lp-mdf-info').innerHTML='Minimum estim\u00e9 : <strong>'+fmtCAD(mdfEst)+'<\/strong>'+((type==='triplex'||type==='quadruplex')?' (10 % minimum requis)':'')+'<br>+ frais de cl\u00f4ture estim\u00e9s (1,5 %) : <strong>'+fmtCAD(fraisClotureEst)+'<\/strong><br>Total \u00e0 pr\u00e9voir : <strong>'+fmtCAD(totalRequisEst)+'<\/strong>';\r\n    el('lp-cap').textContent=fmtCAD(capAvec);\r\n    el('lp-cap-sans').textContent=fmtCAD(capSans);\r\n    el('lp-cap-gain').textContent='+'+fmtCAD(gain);\r\n    el('lp-s-rev').textContent=fmtCAD(revenu);\r\n    el('lp-s-loyer').textContent=fmtCAD(loyerTotal)+'\/mois';\r\n    el('lp-s-loyer-adm').textContent=fmtCAD(loyerAdm)+'\/mois';\r\n    el('lp-s-rev-total').textContent=fmtCAD(revAvec\/12)+'\/mois';\r\n    el('lp-s-tqual').textContent=tqual.toFixed(2)+' %';\r\n    el('lp-s-cap').textContent=fmtCAD(capAvec);\r\n\r\n    window.lpDonneesPDF={\r\n      mode:1,type:type,revenu:revenu,loyerTotal:loyerTotal,loyerAdm:loyerAdm,\r\n      capAvec:capAvec,capSans:capSans,gain:gain,tqual:tqual,\r\n      mdfEst:mdfEst,fraisClotureEst:fraisClotureEst,totalRequisEst:totalRequisEst\r\n    };\r\n  }else{\r\n    var prix=parseFloat(el('lp-prix').value)||0;\r\n    var revAvec=revenu+loyerAdm*12;\r\n    var revM=revAvec\/12;\r\n    var mdf=mdfAuto?calcMDFMin(prix,type):mdfInput;\r\n    if(mdfAuto) el('lp-mdf-info').innerHTML='Minimum estim\u00e9 : <strong>'+fmtCAD(mdf)+'<\/strong>'+((type==='triplex'||type==='quadruplex')?' (10 % minimum requis)':'');\r\n    var tp=calcPrime(prix,mdf,amort);\r\n    var pretB=Math.max(0,prix-mdf);\r\n    var prime=tp!==null&&tp>0?pretB*tp:0;\r\n    var r=pRate(tqual,12);var nT=amort*12;\r\n    var vers=calcPmt(pretB+prime,r,nT);\r\n    var abd=vers\/revM*100;\r\n    var atd=(vers+dettes)\/revM*100;\r\n    var qualifie=abd<=39&&atd<=44;\r\n    el('lp-m2-prix').textContent=fmtCAD(prix);\r\n    el('lp-m2-mdf').textContent=fmtCAD(mdf);\r\n    el('lp-m2-vers').textContent=fmtCAD(vers)+'\/mois';\r\n    el('lp-m2-loyer').textContent=fmtCAD(loyerAdm)+'\/mois';\r\n    el('lp-m2-abd').textContent=abd.toFixed(1)+' % \/ 39 %';\r\n    el('lp-m2-atd').textContent=atd.toFixed(1)+' % \/ 44 %';\r\n    var verdictBox=el('lp-verdict');\r\n    if(qualifie){\r\n      verdictBox.innerHTML='<div class=\"verdict-vert\"><div class=\"verdict-titre\">\u2713 Vous qualifiez pour ce prix<\/div><div class=\"verdict-val\">'+fmtCAD(prix)+'<\/div><div class=\"verdict-sub\">ABD : '+abd.toFixed(1)+' % \u00b7 ATD : '+atd.toFixed(1)+' % \u2014 les deux ratios sont respect\u00e9s.<\/div><\/div>';\r\n      el('lp-cta-msg2').innerHTML='<strong>Votre projet est qualifie, passons a l etape suivante.<\/strong><br>Une analyse complete avec les bons preteurs vous permettra d obtenir les meilleures conditions pour votre projet.';\r\n      el('lp-cta-btn2').textContent='D\u00e9marrer mon projet \u2192';\r\n    }else{\r\n      var revReq=Math.max(vers\/0.39,(vers+dettes)\/0.44)*12;\r\n      var manque=Math.max(0,revReq-revenu);\r\n      verdictBox.innerHTML='<div class=\"verdict-rouge\"><div class=\"verdict-titre\">\u2717 Revenu insuffisant pour ce prix<\/div><div class=\"verdict-val\">Manque : '+fmtCAD(manque)+'<\/div><div class=\"verdict-sub\">ABD : '+abd.toFixed(1)+' % \u00b7 ATD : '+atd.toFixed(1)+' % \u2014 des solutions existent.<\/div><\/div>';\r\n      el('lp-cta-msg2').innerHTML='<strong>Des options existent pour votre projet.<\/strong><br>Avec un revenu manquant de '+fmtCAD(manque)+', plusieurs strategies peuvent vous permettre d acceder a ce prix. Discutons de votre situation.';\r\n      el('lp-cta-btn2').textContent='Explorer les options \u2192';\r\n    }\r\n\r\n    window.lpDonneesPDF={\r\n      mode:2,type:type,revenu:revenu,loyerAdm:loyerAdm,prix:prix,mdf:mdf,\r\n      vers:vers,abd:abd,atd:atd,qualifie:qualifie,\r\n      manque:qualifie?0:Math.max(0,Math.max(vers\/0.39,(vers+dettes)\/0.44)*12-revenu)\r\n    };\r\n  }\r\n}\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcLP);\r\n}else{\r\n  calcLP();\r\n}\r\n\r\nfunction genererPDFlp(){\r\n  var d=window.lpDonneesPDF;\r\n  if(!d){alert('Veuillez remplir le formulaire avant de g\u00e9n\u00e9rer le r\u00e9sum\u00e9.');return;}\r\n\r\n  var typeLabels={duplex:'Duplex',triplex:'Triplex',quadruplex:'Quadruplex'};\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>Achat avec logement lou\u00e9<\/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-hero{border-radius:10px;padding:20px 24px;text-align:center;margin:16px 0;}';\r\n  html+='.pdf-hero-lbl{font-size:11px;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;}';\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-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\">Achat avec logement lou\u00e9<\/div>';\r\n  html+='<div class=\"pdf-subtitle\">'+(typeLabels[d.type]||d.type)+'<\/div>';\r\n\r\n  if(d.mode===1){\r\n    html+='<div class=\"pdf-hero\" style=\"background:#1B2430;\">';\r\n    html+='<div class=\"pdf-hero-lbl\" style=\"color:rgba(255,255,255,.6);\">Capacit\u00e9 d\\u2019achat avec revenus de location<\/div>';\r\n    html+='<div class=\"pdf-hero-val\" style=\"color:#E8A020;\">'+fmtCAD(d.capAvec)+'<\/div>';\r\n    html+='<\/div>';\r\n\r\n    html+='<div class=\"pdf-section\">';\r\n    html+='<div class=\"pdf-section-title\">D\u00e9tail<\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Revenu brut annuel<\/span><span>'+fmtCAD(d.revenu)+'<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Loyer mensuel total<\/span><span>'+fmtCAD(d.loyerTotal)+'\/mois<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Portion loyer admissible (50 %)<\/span><span>'+fmtCAD(d.loyerAdm)+'\/mois<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Capacit\u00e9 sans revenu de location<\/span><span>'+fmtCAD(d.capSans)+'<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\" style=\"font-weight:700;\"><span>Gain gr\u00e2ce au revenu de location<\/span><span>+'+fmtCAD(d.gain)+'<\/span><\/div>';\r\n    html+='<\/div>';\r\n\r\n    if(d.mdfEst){\r\n      html+='<div class=\"pdf-section\">';\r\n      html+='<div class=\"pdf-section-title\">Fonds \u00e0 pr\u00e9voir<\/div>';\r\n      html+='<div class=\"pdf-row\"><span>Mise de fonds minimale estim\u00e9e'+((d.type==='triplex'||d.type==='quadruplex')?' (10 %)':'')+'<\/span><span>'+fmtCAD(d.mdfEst)+'<\/span><\/div>';\r\n      html+='<div class=\"pdf-row\"><span>Frais de cl\u00f4ture estim\u00e9s (1,5 %)<\/span><span>'+fmtCAD(d.fraisClotureEst)+'<\/span><\/div>';\r\n      html+='<div class=\"pdf-row\" style=\"font-weight:700;\"><span>Total \u00e0 pr\u00e9voir<\/span><span>'+fmtCAD(d.totalRequisEst)+'<\/span><\/div>';\r\n      html+='<\/div>';\r\n    }\r\n  }else{\r\n    var bgColor=d.qualifie?'#ECFDF5':'#FEF2F2';\r\n    var valColor=d.qualifie?'#10B981':'#EF4444';\r\n    html+='<div class=\"pdf-hero\" style=\"background:'+bgColor+';border:1.5px solid '+valColor+';\">';\r\n    html+='<div class=\"pdf-hero-lbl\" style=\"color:'+valColor+';\">'+(d.qualifie?'\u2713 Qualifi\u00e9 pour ce prix':'\u2717 Revenu insuffisant pour ce prix')+'<\/div>';\r\n    html+='<div class=\"pdf-hero-val\" style=\"color:'+valColor+';\">'+(d.qualifie?fmtCAD(d.prix):'Manque : '+fmtCAD(d.manque))+'<\/div>';\r\n    html+='<\/div>';\r\n\r\n    html+='<div class=\"pdf-section\">';\r\n    html+='<div class=\"pdf-section-title\">D\u00e9tail<\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Prix d\\u2019achat vis\u00e9<\/span><span>'+fmtCAD(d.prix)+'<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Mise de fonds<\/span><span>'+fmtCAD(d.mdf)+'<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Versement au taux de qualification<\/span><span>'+fmtCAD(d.vers)+'\/mois<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Portion loyer admissible<\/span><span>'+fmtCAD(d.loyerAdm)+'\/mois<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Ratio ABD<\/span><span>'+d.abd.toFixed(1)+' % \/ 39 %<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Ratio ATD<\/span><span>'+d.atd.toFixed(1)+' % \/ 44 %<\/span><\/div>';\r\n    html+='<\/div>';\r\n  }\r\n\r\n  html+='<div class=\"pdf-footer\">';\r\n  html+='Ce document est fourni \u00e0 titre indicatif seulement, \u00e0 partir des informations saisies. Les crit\u00e8res r\u00e9els varient selon le pr\u00eateur, le type de propri\u00e9t\u00e9 et le profil financier complet. Les r\u00e9sultats ne constituent pas un engagement de la part d\\u2019un pr\u00eateur.';\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<\/script>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Achat avec logement lou\u00e9 Quelle est ma capacit\u00e9 r\u00e9elle ? Les revenus de location peuvent augmenter votre capacit\u00e9\u00a0d&rsquo;achat\u00a0de plusieurs dizaines de milliers de dollars. &nbsp;<style>\r\n#loc-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#loc-pub-wrap *{box-sizing:border-box;}\r\n#lp-hdr{padding-bottom:20px;margin-bottom:20px;border-bottom:2px solid #E3DFD4;}\r\n#lp-eyebrow{display:block;font-family:monospace;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#1E3A8A;font-weight:700;margin-bottom:10px;}\r\n#lp-title{font-family:Georgia,serif;font-weight:500;font-size:clamp(22px,3.5vw,32px);margin-bottom:8px;color:#1B2430;line-height:1.2;}\r\n#lp-sub{font-size:15px;color:#5B6472;line-height:1.55;}\r\n.mode-tabs{display:flex;gap:0;margin-bottom:24px;border-radius:10px;overflow:hidden;border:2px solid #1B2430;max-width:600px;}\r\n.mode-tab{flex:1;padding:11px 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0 3px rgba(30,58,138,.12);}\r\n.sep{border:none;border-top:1px solid #E3DFD4;margin:14px 0;}\r\n.result-hero{background:#1B2430;border-radius:12px;padding:24px;text-align:center;margin-bottom:16px;}\r\n.result-hero .lbl-r{font-size:12px;font-weight:700;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px;}\r\n.result-hero .val{font-family:monospace;font-size:clamp(24px,6vw,36px);font-weight:700;color:#E8A020;margin-bottom:4px;white-space:nowrap;}\r\n.result-hero .sub{font-size:14px;color:rgba(255,255,255,.75);}\r\n.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px;}\r\n.result-card{border-radius:10px;padding:16px 18px;}\r\n.result-card .lbl-r{font-size:11px;font-weight:700;color:#5B6472;text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px;}\r\n.result-card .val{font-family:monospace;font-size:22px;font-weight:700;margin-bottom:2px;}\r\n.result-card .sub{font-size:13px;color:#5B6472;}\r\n.card-bleu{background:#EEF4FF;border:1.5px solid #1E3A8A;}\r\n.card-vert{background:#ECFDF5;border:1.5px solid #10B981;}\r\n.sum-box{padding:14px;border-radius:9px;background:#F7F5F0;border:1px solid #E3DFD4;margin-bottom:14px;}\r\n.sum-row{display:flex;justify-content:space-between;gap:12px;font-size:15px;padding:5px 0;border-bottom:1px solid #F0EDE6;}\r\n.sum-row:last-child{border-bottom:none;}\r\n.sum-row strong{font-family:monospace;text-align:right;}\r\n.sum-total{font-weight:700;padding-top:10px;border-top:2px solid #D7D0C2;border-bottom:none;margin-top:4px;}\r\n.info-box{padding:12px 14px;border-radius:8px;background:#EEF4FF;border:1.5px solid #1E3A8A;font-size:13px;color:#1B2430;line-height:1.6;margin-bottom:14px;}\r\n.verdict-vert{background:#ECFDF5;border:2px solid #10B981;border-radius:12px;padding:20px;text-align:center;margin-bottom:14px;}\r\n.verdict-rouge{background:#FEF2F2;border:2px solid #EF4444;border-radius:12px;padding:20px;text-align:center;margin-bottom:14px;}\r\n.verdict-titre{font-family:Georgia,serif;font-size:18px;font-weight:500;margin-bottom:6px;}\r\n.verdict-vert .verdict-titre{color:#065F46;}\r\n.verdict-rouge .verdict-titre{color:#991B1B;}\r\n.verdict-val{font-family:monospace;font-size:26px;font-weight:700;margin-bottom:4px;}\r\n.verdict-vert .verdict-val{color:#10B981;}\r\n.verdict-rouge .verdict-val{color:#EF4444;}\r\n.verdict-sub{font-size:13px;line-height:1.5;}\r\n.verdict-vert .verdict-sub{color:#065F46;}\r\n.verdict-rouge .verdict-sub{color:#991B1B;}\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#lp-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=\"loc-pub-wrap\">\r\n<div id=\"lp-hdr\" style=\"display:flex;justify-content:space-between;align-items:flex-start;gap:16px;flex-wrap:wrap;\">\r\n<div>\r\n  <span id=\"lp-eyebrow\">Calculateur hypoth\u00e9caire<\/span>\r\n  <div id=\"lp-title\">Achat d'une propri\u00e9t\u00e9 avec logement lou\u00e9<\/div>\r\n  <div id=\"lp-sub\">Estimez votre capacit\u00e9 d'achat en tenant compte des revenus de location \u2014 selon la m\u00e9thode la plus avantageuse couramment utilis\u00e9e par les pr\u00eateurs.<\/div>\r\n<\/div>\r\n<button onclick=\"genererPDFlp()\" id=\"lp-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\r\n<div class=\"mode-tabs\">\r\n  <button class=\"mode-tab active\" onclick=\"setMode(1,this)\">\ud83d\udcb0 Quelle est ma capacit\u00e9 d'achat ?<\/button>\r\n  <button class=\"mode-tab\" onclick=\"setMode(2,this)\">\u2705 Est-ce que je qualifie pour ce prix ?<\/button>\r\n<\/div>\r\n\r\n<div class=\"lp-grid\">\r\n<div id=\"lp-left\">\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre propri\u00e9t\u00e9<\/div>\r\n  <div id=\"lp-prix-wrap\" style=\"display:none;\">\r\n    <label class=\"lbl\" style=\"margin-top:0;\">Prix d'achat souhait\u00e9 ($)<\/label>\r\n    <input class=\"inp\" type=\"number\" id=\"lp-prix\" value=\"450000\" min=\"0\" step=\"5000\" oninput=\"calcLP()\">\r\n    <div class=\"sep\"><\/div>\r\n  <\/div>\r\n  <label class=\"lbl\" style=\"margin-top:0;\">Type de propri\u00e9t\u00e9<\/label>\r\n  <select class=\"inp\" id=\"lp-type\" onchange=\"calcLP()\">\r\n    <option value=\"duplex\">Duplex (1 logement lou\u00e9)<\/option>\r\n    <option value=\"triplex\">Triplex (2 logements lou\u00e9s)<\/option>\r\n    <option value=\"quadruplex\">Quadruplex (3 logements lou\u00e9s)<\/option>\r\n  <\/select>\r\n  <label class=\"lbl\">Loyer mensuel \u2014 Logement 1 ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-loyer1\" value=\"1200\" min=\"0\" step=\"50\" oninput=\"calcLP()\">\r\n  <div id=\"lp-loyer2-wrap\" style=\"display:none;\">\r\n    <label class=\"lbl\">Loyer mensuel \u2014 Logement 2 ($)<\/label>\r\n    <input class=\"inp\" type=\"number\" id=\"lp-loyer2\" value=\"1100\" min=\"0\" step=\"50\" oninput=\"calcLP()\">\r\n  <\/div>\r\n  <div id=\"lp-loyer3-wrap\" style=\"display:none;\">\r\n    <label class=\"lbl\">Loyer mensuel \u2014 Logement 3 ($)<\/label>\r\n    <input class=\"inp\" type=\"number\" id=\"lp-loyer3\" value=\"1000\" min=\"0\" step=\"50\" oninput=\"calcLP()\">\r\n  <\/div>\r\n<\/div>\r\n\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">Votre profil financier<\/div>\r\n  <label class=\"lbl\">Revenu brut annuel ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-revenu\" value=\"80000\" min=\"0\" step=\"1000\" oninput=\"calcLP()\">\r\n  <div class=\"hlp\">Si vous achetez \u00e0 deux, indiquez le revenu brut combin\u00e9.<\/div>\r\n  <label class=\"lbl\">Mise de fonds disponible ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-mdf\" value=\"25000\" min=\"0\" step=\"1000\" oninput=\"calcLP()\">\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=\"lp-mdf-auto\" checked onchange=\"calcLP()\" 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=\"lp-mdf-info\">\u2014<\/div>\r\n  <label class=\"lbl\">Taux contractuel annuel (%)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-taux\" value=\"4.50\" min=\"0\" step=\"0.05\" oninput=\"calcLP()\">\r\n  <div class=\"hlp\" id=\"lp-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=\"lp-amort\" onchange=\"calcLP()\">\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=\"lp-amort-note\" style=\"display:none;\">\u26a0\ufe0f L'amortissement de 30 ans assur\u00e9 est r\u00e9serv\u00e9 aux premiers acheteurs.<\/div>\r\n  <label class=\"lbl\">Autres dettes mensuelles ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-dettes\" value=\"0\" min=\"0\" oninput=\"calcLP()\">\r\n  <div class=\"hlp\">Cartes (5 % du solde), marges (3 % du solde), pr\u00eats auto<\/div>\r\n  <label class=\"lbl\">Frais de chauffage \u2014 unit\u00e9 principale ($\/mois)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-chauf\" value=\"125\" min=\"0\" oninput=\"calcLP()\">\r\n  <label class=\"lbl\">Taxes municipales annuelles connues ($)<\/label>\r\n  <input class=\"inp\" type=\"number\" id=\"lp-taxes-annuelles\" value=\"0\" min=\"0\" step=\"100\" oninput=\"calcLP()\">\r\n  <div class=\"hlp\">Laissez \u00e0 0 pour une estimation automatique (0,80 % du prix). Ces frais sont inclus seulement dans le calcul sans revenus de location.<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n<div id=\"lp-right\">\r\n<div class=\"pnl\">\r\n  <div class=\"pnl-t\">R\u00e9sultats<\/div>\r\n\r\n  <!-- MODE 1 -->\r\n  <div id=\"lp-resultats-mode1\">\r\n    <div class=\"info-box\">\r\n      \ud83d\udca1 <strong>M\u00e9thode utilis\u00e9e :<\/strong> 50 % des revenus de location sont ajout\u00e9s \u00e0 votre revenu. Sans revenus de location, les taxes et le chauffage sont inclus dans le calcul standard.\r\n    <\/div>\r\n    <div class=\"result-hero\">\r\n      <div class=\"lbl-r\">Capacit\u00e9 d'achat estim\u00e9e<\/div>\r\n      <div class=\"val\" id=\"lp-cap\">\u2014<\/div>\r\n      <div class=\"sub\">Avec 50 % des revenus de location inclus<\/div>\r\n    <\/div>\r\n    <div class=\"grid2\">\r\n      <div class=\"result-card card-bleu\">\r\n        <div class=\"lbl-r\">Sans revenus de location<\/div>\r\n        <div class=\"val\" id=\"lp-cap-sans\" style=\"color:#1E3A8A\">\u2014<\/div>\r\n        <div class=\"sub\">Avec taxes + chauffage<\/div>\r\n      <\/div>\r\n      <div class=\"result-card card-vert\">\r\n        <div class=\"lbl-r\">Gain gr\u00e2ce \u00e0 la location<\/div>\r\n        <div class=\"val\" id=\"lp-cap-gain\" style=\"color:#10B981\">\u2014<\/div>\r\n        <div class=\"sub\">Capacit\u00e9 suppl\u00e9mentaire<\/div>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"sum-box\">\r\n      <div class=\"sum-row\"><span>Revenu brut annuel<\/span><strong id=\"lp-s-rev\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Revenus de location mensuels<\/span><strong id=\"lp-s-loyer\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Portion admissible (50 %)<\/span><strong id=\"lp-s-loyer-adm\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Revenu total pour qualifier<\/span><strong id=\"lp-s-rev-total\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Taux de qualification<\/span><strong id=\"lp-s-tqual\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row sum-total\"><span>Capacit\u00e9 avec location<\/span><strong id=\"lp-s-cap\">\u2014<\/strong><\/div>\r\n    <\/div>\r\n    <div class=\"cta-box\">\r\n      <p><strong>Les r\u00e8gles varient selon le pr\u00eateur et le type de dossier.<\/strong><br>\r\n      Certains pr\u00eateurs permettent d'utiliser 100 % des revenus de location \u2014 ce qui peut augmenter significativement votre capacit\u00e9 d'achat. Une analyse compl\u00e8te peut faire une diff\u00e9rence de plusieurs dizaines de milliers de dollars.<\/p>\r\n      <a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\">Obtenir une analyse compl\u00e8te \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- MODE 2 -->\r\n  <div id=\"lp-resultats-mode2\" style=\"display:none;\">\r\n    <div class=\"info-box\">\r\n      \ud83d\udca1 <strong>M\u00e9thode utilis\u00e9e :<\/strong> 50 % des revenus de location sont ajout\u00e9s \u00e0 votre revenu. Les frais de taxes et de chauffage ne sont pas inclus dans ce calcul.\r\n    <\/div>\r\n    <div id=\"lp-verdict\"><\/div>\r\n    <div class=\"sum-box\">\r\n      <div class=\"sum-row\"><span>Prix d'achat souhait\u00e9<\/span><strong id=\"lp-m2-prix\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Mise de fonds<\/span><strong id=\"lp-m2-mdf\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Versement au taux de qualification<\/span><strong id=\"lp-m2-vers\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Portion loyer admissible (50 %)<\/span><strong id=\"lp-m2-loyer\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Ratio ABD<\/span><strong id=\"lp-m2-abd\">\u2014<\/strong><\/div>\r\n      <div class=\"sum-row\"><span>Ratio ATD<\/span><strong id=\"lp-m2-atd\">\u2014<\/strong><\/div>\r\n    <\/div>\r\n    <div class=\"cta-box\">\r\n      <p id=\"lp-cta-msg2\">\u2014<\/p>\r\n      <a href=\"https:\/\/calendly.com\/garneau-diane\/rendez-vous-telephonique\" target=\"_blank\" class=\"cta-btn\" id=\"lp-cta-btn2\">Obtenir une analyse compl\u00e8te \u2192<\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div id=\"lp-note\">\r\nLes r\u00e9sultats sont pr\u00e9sent\u00e9s \u00e0 titre indicatif seulement. Les crit\u00e8res varient selon le pr\u00eateur, le type de dossier et votre profil financier. <strong>Consultez votre courti\u00e8re hypoth\u00e9caire pour une analyse personnalis\u00e9e.<\/strong>\r\n<\/div>\r\n<\/div>\r\n\r\n<script>\r\nvar gMode=1;\r\nfunction setMode(m,btn){\r\n  gMode=m;\r\n  document.querySelectorAll('.mode-tab').forEach(function(t){t.classList.remove('active');});\r\n  btn.classList.add('active');\r\n  document.getElementById('lp-prix-wrap').style.display=m===2?'block':'none';\r\n  document.getElementById('lp-resultats-mode1').style.display=m===1?'block':'none';\r\n  document.getElementById('lp-resultats-mode2').style.display=m===2?'block':'none';\r\n  calcLP();\r\n}\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 calcMDFMin(prix,type){\r\n  var standard=prix<=500000?prix*0.05:prix<1500000?25000+(prix-500000)*0.10:prix*0.20;\r\n  if(type==='triplex'||type==='quadruplex'){\r\n    return Math.max(standard,prix*0.10);\r\n  }\r\n  return standard;\r\n}\r\nfunction calcPrime(prix,mdf,amort){var ltv=(prix-mdf)\/prix;var tp=ltv<=0.80?0:ltv<=0.85?0.028:ltv<=0.90?0.031:ltv<=0.95?0.04:null;if(tp===null)return null;if(tp>0&&amort>25)tp+=0.002;return tp;}\r\n\r\nfunction getCapacite(revAnnuel,mdfPct,mdfFixe,useMDFAuto,tqual,amort,dettes,chauf,taxes){\r\n  if(revAnnuel<=0)return 0;\r\n  var c=chauf||0;var t=taxes||0;\r\n  var r=pRate(tqual,12);var nT=amort*12;\r\n  var revM=revAnnuel\/12;\r\n  var abdMax=revM*0.39-c-t;\r\n  var atdMax=revM*0.44-c-t-dettes;\r\n  var versMax=Math.min(abdMax,atdMax);\r\n  if(versMax<=0)return 0;\r\n  var pretEst=versMax*(1-Math.pow(1+r,-nT))\/r;\r\n  var prixEst=useMDFAuto?pretEst*(1+mdfPct+0.04):pretEst+mdfFixe;\r\n  for(var i=0;i<30;i++){\r\n    var mdf=useMDFAuto?prixEst*mdfPct:mdfFixe;\r\n    var tp=calcPrime(prixEst,mdf,amort);\r\n    if(tp===null){prixEst*=0.95;continue;}\r\n    var pretB=prixEst-mdf;var prime=tp>0?pretB*tp:0;\r\n    var versC=calcPmt(pretB+prime,r,nT);\r\n    if(Math.abs(versC-versMax)<0.05)break;\r\n    prixEst=prixEst*(versMax\/versC);\r\n  }\r\n  return Math.floor(prixEst\/1000)*1000;\r\n}\r\n\r\nfunction calcLP(){\r\n  var el=function(id){return document.getElementById(id);};\r\n  var type=el('lp-type').value;\r\n  var loyer1=parseFloat(el('lp-loyer1').value)||0;\r\n  var loyer2=type!=='duplex'?parseFloat(el('lp-loyer2').value)||0:0;\r\n  var loyer3=type==='quadruplex'?parseFloat(el('lp-loyer3').value)||0:0;\r\n  var revenu=parseFloat(el('lp-revenu').value)||0;\r\n  var mdfInput=parseFloat(el('lp-mdf').value)||0;\r\n  var taux=parseFloat(el('lp-taux').value)||0;\r\n  var amort=parseInt(el('lp-amort').value)||25;\r\n  el('lp-amort-note').style.display=amort>25?'block':'none';\r\n  var dettes=parseFloat(el('lp-dettes').value)||0;\r\n  var chauf=parseFloat(el('lp-chauf').value)||0;\r\n  var mdfAuto=el('lp-mdf-auto').checked;\r\n  el('lp-loyer2-wrap').style.display=type!=='duplex'?'block':'none';\r\n  el('lp-loyer3-wrap').style.display=type==='quadruplex'?'block':'none';\r\n  var loyerTotal=loyer1+loyer2+loyer3;\r\n  var loyerAdm=loyerTotal*0.50;\r\n  var tqual=Math.max(5.25,taux+2);\r\n  var mdfPct=(type==='triplex'||type==='quadruplex')?0.10:0.05;\r\n  el('lp-tqual-note').textContent='\ud83d\udca1 Taux de qualification : '+tqual.toFixed(2)+' % (taux + 2 % ou 5,25 %, le plus \u00e9lev\u00e9)';\r\n\r\n  if(gMode===1){\r\n    \/\/ Sans location : avec taxes (connues ou estim\u00e9es) + chauffage\r\n    var taxesAnnuelles=parseFloat(el('lp-taxes-annuelles').value)||0;\r\n    var capSans,taxesSansM;\r\n    if(taxesAnnuelles>0){\r\n      taxesSansM=taxesAnnuelles\/12;\r\n      capSans=getCapacite(revenu,mdfPct,mdfInput,mdfAuto,tqual,amort,dettes,chauf,taxesSansM);\r\n    }else{\r\n      capSans=getCapacite(revenu,mdfPct,mdfInput,mdfAuto,tqual,amort,dettes,chauf,0);\r\n      taxesSansM=Math.round(capSans*0.008\/12);\r\n      capSans=getCapacite(revenu,mdfPct,mdfInput,mdfAuto,tqual,amort,dettes,chauf,taxesSansM);\r\n    }\r\n    \/\/ Avec location : chauffage\/taxes inclus SEULEMENT si aucun revenu de location (coh\u00e9rence \u00e0 0$)\r\n    var revAvec=revenu+loyerAdm*12;\r\n    var capAvec;\r\n    if(loyerAdm===0){\r\n      capAvec=capSans;\r\n    }else{\r\n      capAvec=getCapacite(revAvec,mdfPct,mdfInput,mdfAuto,tqual,amort,dettes,0,0);\r\n    }\r\n    var gain=capAvec-capSans;\r\n    var mdfEst=mdfAuto?calcMDFMin(capAvec,type):mdfInput;\r\n    var fraisClotureEst=capAvec*0.015;\r\n    var totalRequisEst=mdfEst+fraisClotureEst;\r\n    if(mdfAuto) el('lp-mdf-info').innerHTML='Minimum estim\u00e9 : <strong>'+fmtCAD(mdfEst)+'<\/strong>'+((type==='triplex'||type==='quadruplex')?' (10 % minimum requis)':'')+'<br>+ frais de cl\u00f4ture estim\u00e9s (1,5 %) : <strong>'+fmtCAD(fraisClotureEst)+'<\/strong><br>Total \u00e0 pr\u00e9voir : <strong>'+fmtCAD(totalRequisEst)+'<\/strong>';\r\n    el('lp-cap').textContent=fmtCAD(capAvec);\r\n    el('lp-cap-sans').textContent=fmtCAD(capSans);\r\n    el('lp-cap-gain').textContent='+'+fmtCAD(gain);\r\n    el('lp-s-rev').textContent=fmtCAD(revenu);\r\n    el('lp-s-loyer').textContent=fmtCAD(loyerTotal)+'\/mois';\r\n    el('lp-s-loyer-adm').textContent=fmtCAD(loyerAdm)+'\/mois';\r\n    el('lp-s-rev-total').textContent=fmtCAD(revAvec\/12)+'\/mois';\r\n    el('lp-s-tqual').textContent=tqual.toFixed(2)+' %';\r\n    el('lp-s-cap').textContent=fmtCAD(capAvec);\r\n\r\n    window.lpDonneesPDF={\r\n      mode:1,type:type,revenu:revenu,loyerTotal:loyerTotal,loyerAdm:loyerAdm,\r\n      capAvec:capAvec,capSans:capSans,gain:gain,tqual:tqual,\r\n      mdfEst:mdfEst,fraisClotureEst:fraisClotureEst,totalRequisEst:totalRequisEst\r\n    };\r\n  }else{\r\n    var prix=parseFloat(el('lp-prix').value)||0;\r\n    var revAvec=revenu+loyerAdm*12;\r\n    var revM=revAvec\/12;\r\n    var mdf=mdfAuto?calcMDFMin(prix,type):mdfInput;\r\n    if(mdfAuto) el('lp-mdf-info').innerHTML='Minimum estim\u00e9 : <strong>'+fmtCAD(mdf)+'<\/strong>'+((type==='triplex'||type==='quadruplex')?' (10 % minimum requis)':'');\r\n    var tp=calcPrime(prix,mdf,amort);\r\n    var pretB=Math.max(0,prix-mdf);\r\n    var prime=tp!==null&&tp>0?pretB*tp:0;\r\n    var r=pRate(tqual,12);var nT=amort*12;\r\n    var vers=calcPmt(pretB+prime,r,nT);\r\n    var abd=vers\/revM*100;\r\n    var atd=(vers+dettes)\/revM*100;\r\n    var qualifie=abd<=39&&atd<=44;\r\n    el('lp-m2-prix').textContent=fmtCAD(prix);\r\n    el('lp-m2-mdf').textContent=fmtCAD(mdf);\r\n    el('lp-m2-vers').textContent=fmtCAD(vers)+'\/mois';\r\n    el('lp-m2-loyer').textContent=fmtCAD(loyerAdm)+'\/mois';\r\n    el('lp-m2-abd').textContent=abd.toFixed(1)+' % \/ 39 %';\r\n    el('lp-m2-atd').textContent=atd.toFixed(1)+' % \/ 44 %';\r\n    var verdictBox=el('lp-verdict');\r\n    if(qualifie){\r\n      verdictBox.innerHTML='<div class=\"verdict-vert\"><div class=\"verdict-titre\">\u2713 Vous qualifiez pour ce prix<\/div><div class=\"verdict-val\">'+fmtCAD(prix)+'<\/div><div class=\"verdict-sub\">ABD : '+abd.toFixed(1)+' % \u00b7 ATD : '+atd.toFixed(1)+' % \u2014 les deux ratios sont respect\u00e9s.<\/div><\/div>';\r\n      el('lp-cta-msg2').innerHTML='<strong>Votre projet est qualifie, passons a l etape suivante.<\/strong><br>Une analyse complete avec les bons preteurs vous permettra d obtenir les meilleures conditions pour votre projet.';\r\n      el('lp-cta-btn2').textContent='D\u00e9marrer mon projet \u2192';\r\n    }else{\r\n      var revReq=Math.max(vers\/0.39,(vers+dettes)\/0.44)*12;\r\n      var manque=Math.max(0,revReq-revenu);\r\n      verdictBox.innerHTML='<div class=\"verdict-rouge\"><div class=\"verdict-titre\">\u2717 Revenu insuffisant pour ce prix<\/div><div class=\"verdict-val\">Manque : '+fmtCAD(manque)+'<\/div><div class=\"verdict-sub\">ABD : '+abd.toFixed(1)+' % \u00b7 ATD : '+atd.toFixed(1)+' % \u2014 des solutions existent.<\/div><\/div>';\r\n      el('lp-cta-msg2').innerHTML='<strong>Des options existent pour votre projet.<\/strong><br>Avec un revenu manquant de '+fmtCAD(manque)+', plusieurs strategies peuvent vous permettre d acceder a ce prix. Discutons de votre situation.';\r\n      el('lp-cta-btn2').textContent='Explorer les options \u2192';\r\n    }\r\n\r\n    window.lpDonneesPDF={\r\n      mode:2,type:type,revenu:revenu,loyerAdm:loyerAdm,prix:prix,mdf:mdf,\r\n      vers:vers,abd:abd,atd:atd,qualifie:qualifie,\r\n      manque:qualifie?0:Math.max(0,Math.max(vers\/0.39,(vers+dettes)\/0.44)*12-revenu)\r\n    };\r\n  }\r\n}\r\nif(document.readyState==='loading'){\r\n  document.addEventListener('DOMContentLoaded',calcLP);\r\n}else{\r\n  calcLP();\r\n}\r\n\r\nfunction genererPDFlp(){\r\n  var d=window.lpDonneesPDF;\r\n  if(!d){alert('Veuillez remplir le formulaire avant de g\u00e9n\u00e9rer le r\u00e9sum\u00e9.');return;}\r\n\r\n  var typeLabels={duplex:'Duplex',triplex:'Triplex',quadruplex:'Quadruplex'};\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>Achat avec logement lou\u00e9<\/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-hero{border-radius:10px;padding:20px 24px;text-align:center;margin:16px 0;}';\r\n  html+='.pdf-hero-lbl{font-size:11px;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;}';\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-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\">Achat avec logement lou\u00e9<\/div>';\r\n  html+='<div class=\"pdf-subtitle\">'+(typeLabels[d.type]||d.type)+'<\/div>';\r\n\r\n  if(d.mode===1){\r\n    html+='<div class=\"pdf-hero\" style=\"background:#1B2430;\">';\r\n    html+='<div class=\"pdf-hero-lbl\" style=\"color:rgba(255,255,255,.6);\">Capacit\u00e9 d\\u2019achat avec revenus de location<\/div>';\r\n    html+='<div class=\"pdf-hero-val\" style=\"color:#E8A020;\">'+fmtCAD(d.capAvec)+'<\/div>';\r\n    html+='<\/div>';\r\n\r\n    html+='<div class=\"pdf-section\">';\r\n    html+='<div class=\"pdf-section-title\">D\u00e9tail<\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Revenu brut annuel<\/span><span>'+fmtCAD(d.revenu)+'<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Loyer mensuel total<\/span><span>'+fmtCAD(d.loyerTotal)+'\/mois<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Portion loyer admissible (50 %)<\/span><span>'+fmtCAD(d.loyerAdm)+'\/mois<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Capacit\u00e9 sans revenu de location<\/span><span>'+fmtCAD(d.capSans)+'<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\" style=\"font-weight:700;\"><span>Gain gr\u00e2ce au revenu de location<\/span><span>+'+fmtCAD(d.gain)+'<\/span><\/div>';\r\n    html+='<\/div>';\r\n\r\n    if(d.mdfEst){\r\n      html+='<div class=\"pdf-section\">';\r\n      html+='<div class=\"pdf-section-title\">Fonds \u00e0 pr\u00e9voir<\/div>';\r\n      html+='<div class=\"pdf-row\"><span>Mise de fonds minimale estim\u00e9e'+((d.type==='triplex'||d.type==='quadruplex')?' (10 %)':'')+'<\/span><span>'+fmtCAD(d.mdfEst)+'<\/span><\/div>';\r\n      html+='<div class=\"pdf-row\"><span>Frais de cl\u00f4ture estim\u00e9s (1,5 %)<\/span><span>'+fmtCAD(d.fraisClotureEst)+'<\/span><\/div>';\r\n      html+='<div class=\"pdf-row\" style=\"font-weight:700;\"><span>Total \u00e0 pr\u00e9voir<\/span><span>'+fmtCAD(d.totalRequisEst)+'<\/span><\/div>';\r\n      html+='<\/div>';\r\n    }\r\n  }else{\r\n    var bgColor=d.qualifie?'#ECFDF5':'#FEF2F2';\r\n    var valColor=d.qualifie?'#10B981':'#EF4444';\r\n    html+='<div class=\"pdf-hero\" style=\"background:'+bgColor+';border:1.5px solid '+valColor+';\">';\r\n    html+='<div class=\"pdf-hero-lbl\" style=\"color:'+valColor+';\">'+(d.qualifie?'\u2713 Qualifi\u00e9 pour ce prix':'\u2717 Revenu insuffisant pour ce prix')+'<\/div>';\r\n    html+='<div class=\"pdf-hero-val\" style=\"color:'+valColor+';\">'+(d.qualifie?fmtCAD(d.prix):'Manque : '+fmtCAD(d.manque))+'<\/div>';\r\n    html+='<\/div>';\r\n\r\n    html+='<div class=\"pdf-section\">';\r\n    html+='<div class=\"pdf-section-title\">D\u00e9tail<\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Prix d\\u2019achat vis\u00e9<\/span><span>'+fmtCAD(d.prix)+'<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Mise de fonds<\/span><span>'+fmtCAD(d.mdf)+'<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Versement au taux de qualification<\/span><span>'+fmtCAD(d.vers)+'\/mois<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Portion loyer admissible<\/span><span>'+fmtCAD(d.loyerAdm)+'\/mois<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Ratio ABD<\/span><span>'+d.abd.toFixed(1)+' % \/ 39 %<\/span><\/div>';\r\n    html+='<div class=\"pdf-row\"><span>Ratio ATD<\/span><span>'+d.atd.toFixed(1)+' % \/ 44 %<\/span><\/div>';\r\n    html+='<\/div>';\r\n  }\r\n\r\n  html+='<div class=\"pdf-footer\">';\r\n  html+='Ce document est fourni \u00e0 titre indicatif seulement, \u00e0 partir des informations saisies. Les crit\u00e8res r\u00e9els varient selon le pr\u00eateur, le type de propri\u00e9t\u00e9 et le profil financier complet. 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