{"id":1101,"date":"2020-06-09T17:51:15","date_gmt":"2020-06-09T21:51:15","guid":{"rendered":"https:\/\/www.prevel.ca\/les-frais-de-la-copropriete\/"},"modified":"2022-10-25T13:42:24","modified_gmt":"2022-10-25T17:42:24","slug":"a-chaque-budget-son-projet","status":"publish","type":"page","link":"https:\/\/www.prevel.ca\/fr\/guide-achat\/budget","title":{"rendered":"\u00c0 chaque budget son projet"},"content":{"rendered":"<div class=\"wp-block-media-text alignfull is-stacked-on-mobile is-vertically-aligned-center alignwide page-top has-background\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1402\" height=\"1164\" src=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-budget@2x.jpg\" alt=\"\" class=\"wp-image-1013476 size-full\" style=\"--width:1402px\" srcset=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-budget@2x.jpg 1402w, https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-budget@2x-300x249.jpg 300w, https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-budget@2x-1024x850.jpg 1024w, https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-budget@2x-768x638.jpg 768w\" sizes=\"auto, (max-width: 1402px) 100vw, 1402px\" \/><\/figure><div class=\"wp-block-media-text__content\"> <h1 class=\"h2 wp-block-heading\">\u00c0 chaque budget son projet<\/h1>    <p class=\"has-large-font-size\">Au-del\u00e0 de vos pr\u00e9f\u00e9rences, votre capacit\u00e9 d\u2019emprunt doit aussi vous guider dans votre choix. Voici quelques \u00e9l\u00e9ments \u00e0 garder en t\u00eate au moment de calculer le prix du condo que vous pouvez vous permettre.<\/p> <\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Les co\u00fbts \u00e0 d\u00e9bourser lors de l\u2019achat comprennent :<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>La<strong> mise de fonds<\/strong>, d\u2019un montant \u00e9quivalant \u00e0 15 \u00e0 20&nbsp;% du prix total du condo et r\u00e9partie en trois versements : le premier \u00e0 la signature du contrat, le deuxi\u00e8me trois mois plus tard et le dernier, encore trois mois plus tard.<\/li><li>Si cette mise de fonds est inf\u00e9rieure \u00e0 20&nbsp;%, une assurance pr\u00eat hypoth\u00e9caire sera ajout\u00e9e au montant de votre pr\u00eat hypoth\u00e9caire, mais vous devrez payer d\u2019entr\u00e9e de jeu la <strong>taxe de 9&nbsp;% sur cette assurance pr\u00eat.<\/strong><\/li><li>Les<strong> frais de notaire<\/strong> qui varient entre 1\u2009000&nbsp;$ et 2 000&nbsp;$.<\/li><\/ul>\n\n\n<div class=\"wp-block-buttons  flex items-center mb-8 last:mb-0 flex-wrap\">\n    <a class=\"button button--fill inline-flex items-center justify-center mr-6 last:mr-0 mb-6 last:mb-0 font-medium text-lg leading-[1.1111] text-dark cursor-pointer group tracking py-4 pt-[14px] px-7 rounded bg-secondary\" href=\"https:\/\/www.cmhc-schl.gc.ca\/fr\/finance-and-investing\/mortgage-loan-insurance\/homebuying-calculators\/affordability-calculator\" target=\"\" >   <span class=\"relative z-10\">   Calculer votre capacit\u00e9 d&#8217;emprunt <\/span>     <\/a>      \n  <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Les paiements r\u00e9currents apr\u00e8s l\u2019achat comprennent :<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Le<strong> pr\u00eat hypoth\u00e9caire<\/strong>, que vous paierez selon la fr\u00e9quence entendue avec votre banque (mensuelle, aux deux semaines, etc.).<\/li><li>Les<strong> frais de copropri\u00e9t\u00e9 mensuels<\/strong>,<strong> <\/strong>qui varient pour chaque copropri\u00e9t\u00e9, en fonction de la valeur relative de la fraction de l\u2019immeuble que vous poss\u00e9dez. C\u2019est ce qu\u2019on appelle la \u00ab\u2009quote-part\u2009\u00bb.<\/li><li>Les<strong> taxes municipales et scolaires annuelles<\/strong>, qui varient elles aussi selon la valeur de votre propri\u00e9t\u00e9 et les taux qui sont \u00e9tablis par la ville que vous habitez.<\/li><\/ul>\n\n\n\n<p>\u00c0 ces montants s\u2019ajoute \u00e9galement <strong>la taxe de Bienvenue,<\/strong> un droit de mutation immobili\u00e8re que tout acheteur doit payer \u00e0 la municipalit\u00e9 dans les mois suivants l\u2019achat de sa propri\u00e9t\u00e9. Son montant varie selon le prix d\u2019achat de votre propri\u00e9t\u00e9 et la municipalit\u00e9 o\u00f9 se trouve votre bien immobilier.<\/p>\n\n\n<div class=\"wp-block-buttons  flex items-center mb-8 last:mb-0 flex-wrap\">\n    <a class=\"button button--fill inline-flex items-center justify-center mr-6 last:mr-0 mb-6 last:mb-0 font-medium text-lg leading-[1.1111] text-dark cursor-pointer group tracking py-4 pt-[14px] px-7 rounded bg-secondary\" href=\"http:\/\/www.calculconversion.com\/calcul-taxe-de-bienvenue-mutation.html\" target=\"\" >   <span class=\"relative z-10\">   Calculez la taxe de Bienvenue <\/span>     <\/a>      \n  <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Vous pourriez aussi profiter d\u2019incitatifs \u00e0 l\u2019achat<\/h3>\n\n\n\n<p>Sachez aussi qu\u2019il existe des programmes tels que le <strong>R\u00e9gime d\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9<\/strong> (RAP), qui permet \u00e0 ceux qui n\u2019ont pas \u00e9t\u00e9 propri\u00e9taires dans les 4&nbsp;derni\u00e8res ann\u00e9es de retirer jusqu\u2019\u00e0 35&nbsp;\u2009000&nbsp;$ de leurs r\u00e9gimes enregistr\u00e9s d\u2019\u00e9pargne-retraite (REER) sans p\u00e9nalit\u00e9s pour financer l\u2019achat ou la construction d\u2019une habitation admissible. Vous disposerez ensuite de 15 ans pour rembourser les montants retir\u00e9s.<\/p>\n\n\n<div class=\"wp-block-buttons  flex items-center mb-8 last:mb-0 flex-wrap\">\n    <a class=\"button button--fill inline-flex items-center justify-center mr-6 last:mr-0 mb-6 last:mb-0 font-medium text-lg leading-[1.1111] text-dark cursor-pointer group tracking py-4 pt-[14px] px-7 rounded bg-secondary\" href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/reer-regimes-connexes\/est-regime-accession-a-propriete\/comment-participer-regime-accession-a-propriete.html\" target=\"\" >   <span class=\"relative z-10\">   Plus sur le RAP <\/span>     <\/a>      \n  <\/div>\n\n\n\n<p>Aussi, comme pour de nombreux produits et services, la TPS et la TVQ s\u2019ajoutent toujours au prix d\u2019achat d\u2019une propri\u00e9t\u00e9 neuve et avoisinent les 15 %. Il est bon de savoir que vous pourriez \u00eatre admissible \u00e0 un <strong>remboursement partiel des taxes<\/strong> \u00e0 l\u2019achat d\u2019un condominium neuf.<\/p>\n\n\n<div class=\"wp-block-buttons  flex items-center mb-8 last:mb-0 flex-wrap\">\n    <a class=\"button button--fill inline-flex items-center justify-center mr-6 last:mr-0 mb-6 last:mb-0 font-medium text-lg leading-[1.1111] text-dark cursor-pointer group tracking py-4 pt-[14px] px-7 rounded bg-secondary\" href=\"https:\/\/www.revenuquebec.ca\/fr\/services-en-ligne\/formulaires-et-publications\/details-courant\/in-205\/\" target=\"\" >   <span class=\"relative z-10\">   Plus sur le remboursement de la TVQ et de la TPS <\/span>     <\/a>      \n  <\/div>\n\n\n\n<p>Enfin, il existe aussi un <strong>programme d\u2019aide financi\u00e8re<\/strong> issu d\u2019une entente entre le gouvernement du Qu\u00e9bec et la Ville de Montr\u00e9al et qui s\u2019adresse aux nouveaux acheteurs.<\/p>\n\n\n<div class=\"wp-block-buttons  flex items-center mb-8 last:mb-0 flex-wrap\">\n    <a class=\"button button--fill inline-flex items-center justify-center mr-6 last:mr-0 mb-6 last:mb-0 font-medium text-lg leading-[1.1111] text-dark cursor-pointer group tracking py-4 pt-[14px] px-7 rounded bg-secondary\" href=\"http:\/\/ville.montreal.qc.ca\/portal\/page?_pageid=9337,143035515&amp;_dad=portal&amp;_schema=PORTAL\" target=\"\" >   <span class=\"relative z-10\">   D\u00e9couvrez si vous \u00eates admissible <br>\u00e0 une subvention de la Ville de Montr\u00e9al <\/span>     <\/a>      \n  <\/div>\n\n\n<div class=\"block share align flex items-center mt-14 mb-20 md:mb-48\" id=\"block_5ee3a754f26e6\">\n  <div class=\"text-base text-dark\/70 mr-7\">\n    Partager\n  <\/div>\n  <div class=\"text-primary\">\n    <button class=\"mr-4\" data-sharer=\"facebook\" data-url=\"https:\/\/www.prevel.ca\/fr\/wp-json\/wp\/v2\/pages\/1101\">\n      <span class=\"inline-block icon icon--facebook\">\n  <svg 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are-vertically-aligned-bottom wp-block-columns--count-2\"> <div class=\"wp-block-column is-vertically-aligned-bottom\"> <h2 class=\"wp-block-heading\">Plus d&rsquo;astuces<\/h2> <\/div>    <div class=\"wp-block-column is-vertically-aligned-bottom has-tablet-text-align-left has-mobile-text-align-left\"><div class=\"wp-block-buttons has-mobile-text-align-left  justify-end flex items-center mb-8 last:mb-0 flex-wrap\">     <a class=\"button button--underline inline-flex items-center justify-center mr-6 last:mr-0 mb-6 last:mb-0 font-medium text-lg leading-[1.1111] text-dark cursor-pointer group tracking py-[3px] relative after:block after:absolute after:left-0 after:bottom-0 after:w-full after:bg-dark after:h-px after:scale-100 after:origin-right after:transition-transform hover:after:scale-x-0 hover:after:origin-left !inline\" href=\"https:\/\/www.prevel.ca\/guide-achat\" target=\"\" >   <span class=\"relative z-10\">   Retour aux astuces <\/span>     <\/a>         <\/div> <\/div> <\/div>  <div class=\"block articles-carousel align relative md:px-14 xl:px-0\" id=\"block_84c1ed54e2862e8a0c1bbe7077e22ccf\">       <div class=\"swiper mobile:w-[calc(100%+var(--block-lr-padding))]\">       <div class=\"swiper-wrapper\">                             <div class=\"swiper-slide mobile:!w-[75vw]\">             <a href=\"https:\/\/www.prevel.ca\/fr\/guide-achat\/etapes-achat\" class=\"block group\">               <div class=\"overflow-hidden mb-7 articles-carousel__image pt-[75.8333%] relative\">                 <div class=\"absolute top-0 left-0 w-full h-full transition-transform group-hover:scale-105\">                   <img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"546\" src=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/etapes-720x546.jpg\" class=\"attachment-related-article size-related-article wp-post-image\" alt=\"\" srcset=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/etapes-720x546.jpg 720w, https:\/\/www.prevel.ca\/wp-content\/uploads\/etapes-1120x850.jpg 1120w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" style=\" --width:1722px\" \/>                 <\/div>               <\/div>               <h3 class=\"text-[36px]\">                 Les \u00e9tapes d&rsquo;achat               <\/h3>              <\/a>           <\/div>                             <div class=\"swiper-slide mobile:!w-[75vw]\">             <a href=\"https:\/\/www.prevel.ca\/fr\/guide-achat\/abc-vie-copropriete\" class=\"block group\">               <div class=\"overflow-hidden mb-7 articles-carousel__image pt-[75.8333%] relative\">                 <div class=\"absolute top-0 left-0 w-full h-full transition-transform group-hover:scale-105\">                   <img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"546\" src=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-copropriete@2x-1-720x546.jpg\" class=\"attachment-related-article size-related-article wp-post-image\" alt=\"\" srcset=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-copropriete@2x-1-720x546.jpg 720w, https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-copropriete@2x-1-1120x850.jpg 1120w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" style=\" --width:1402px\" \/>                 <\/div>               <\/div>               <h3 class=\"text-[36px]\">                 L&rsquo;ABC de la vie en copropri\u00e9t\u00e9               <\/h3>              <\/a>           <\/div>                             <div class=\"swiper-slide mobile:!w-[75vw]\">             <a href=\"https:\/\/www.prevel.ca\/fr\/guide-achat\/regles-copropriete-divise\" class=\"block group\">               <div class=\"overflow-hidden mb-7 articles-carousel__image pt-[75.8333%] relative\">                 <div class=\"absolute top-0 left-0 w-full h-full transition-transform group-hover:scale-105\">                   <img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"546\" src=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/guide3-720x546.jpg\" class=\"attachment-related-article size-related-article wp-post-image\" alt=\"\" srcset=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/guide3-720x546.jpg 720w, https:\/\/www.prevel.ca\/wp-content\/uploads\/guide3-1120x850.jpg 1120w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" style=\" --width:1880px\" \/>                 <\/div>               <\/div>               <h3 class=\"text-[36px]\">                 Les r\u00e8gles de la copropri\u00e9t\u00e9 divise               <\/h3>              <\/a>           <\/div>                             <div class=\"swiper-slide mobile:!w-[75vw]\">             <a href=\"https:\/\/www.prevel.ca\/fr\/guide-achat\/choisir-son-condo\" class=\"block group\">               <div class=\"overflow-hidden mb-7 articles-carousel__image pt-[75.8333%] relative\">                 <div class=\"absolute top-0 left-0 w-full h-full transition-transform group-hover:scale-105\">                   <img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"546\" src=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/guide8-720x546.jpg\" class=\"attachment-related-article size-related-article wp-post-image\" alt=\"\" style=\" --width:940px\" \/>                 <\/div>               <\/div>               <h3 class=\"text-[36px]\">                 Choisir son condo               <\/h3>              <\/a>           <\/div>                             <div class=\"swiper-slide mobile:!w-[75vw]\">             <a href=\"https:\/\/www.prevel.ca\/fr\/guide-achat\/avantages-acheter-condo-plan\" class=\"block group\">               <div class=\"overflow-hidden mb-7 articles-carousel__image pt-[75.8333%] relative\">                 <div class=\"absolute top-0 left-0 w-full h-full transition-transform group-hover:scale-105\">                   <img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"546\" src=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel_guide-achat_acheter_plans_headerv2-720x546.jpg\" class=\"attachment-related-article size-related-article wp-post-image\" alt=\"\" srcset=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel_guide-achat_acheter_plans_headerv2-720x546.jpg 720w, https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel_guide-achat_acheter_plans_headerv2-1120x850.jpg 1120w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" style=\" --width:1880px\" \/>                 <\/div>               <\/div>               <h3 class=\"text-[36px]\">                 Les avantages d&rsquo;acheter un condo sur plan               <\/h3>              <\/a>           <\/div>                             <div class=\"swiper-slide mobile:!w-[75vw]\">             <a href=\"https:\/\/www.prevel.ca\/fr\/guide-achat\/etapes-construction\" class=\"block group\">               <div class=\"overflow-hidden mb-7 articles-carousel__image pt-[75.8333%] relative\">                 <div class=\"absolute top-0 left-0 w-full h-full transition-transform group-hover:scale-105\">                   <img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"546\" src=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel_guide-achat-construction-header-720x546.jpg\" class=\"attachment-related-article size-related-article wp-post-image\" alt=\"La construction en bref\" srcset=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel_guide-achat-construction-header-720x546.jpg 720w, https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel_guide-achat-construction-header-1120x850.jpg 1120w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" style=\" --width:1880px\" \/>                 <\/div>               <\/div>               <h3 class=\"text-[36px]\">                 Les \u00e9tapes de construction               <\/h3>              <\/a>           <\/div>                             <div class=\"swiper-slide mobile:!w-[75vw]\">             <a href=\"https:\/\/www.prevel.ca\/fr\/guide-achat\/finitions-condo\" class=\"block group\">               <div class=\"overflow-hidden mb-7 articles-carousel__image pt-[75.8333%] relative\">                 <div class=\"absolute top-0 left-0 w-full h-full transition-transform group-hover:scale-105\">                   <img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"546\" src=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-finition@2x-720x546.jpg\" class=\"attachment-related-article size-related-article wp-post-image\" alt=\"\" srcset=\"https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-finition@2x-720x546.jpg 720w, https:\/\/www.prevel.ca\/wp-content\/uploads\/prevel-guide-achat-finition@2x-1120x850.jpg 1120w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" style=\" --width:1402px\" \/>                 <\/div>               <\/div>               <h3 class=\"text-[36px]\">                 Les finitions de votre condo               <\/h3>              <\/a>           <\/div>                        <\/div>     <\/div>     <div class=\"absolute hidden transition-opacity -translate-y-1\/2 cursor-pointer -left-2 opacity-40 hover:opacity-100 xl:-left-[70px] md:block top-1\/2 articles-carousel__prev\">       <span class=\"inline-block icon icon--gallery-prev !block\">   <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 50 50\"><g fill=\"none\" fill-rule=\"evenodd\" transform=\"matrix(-1 0 0 1 50 0)\"><circle cx=\"25\" cy=\"25\" r=\"24.5\" stroke=\"#000\"\/><polygon fill=\"#000\" fill-rule=\"nonzero\" points=\"14 11.678 13.224 10.885 7.554 16.549 7.554 0 6.446 0 6.446 16.549 .77 10.885 0 11.678 7 18.667\" transform=\"rotate(-90 22.667 8.333)\"\/><\/g><\/svg> <\/span>     <\/div>     <div class=\"absolute hidden transition-opacity -translate-y-1\/2 cursor-pointer -right-2 opacity-40 hover:opacity-100 xl:-right-[70px] md:block top-1\/2 articles-carousel__next\">       <span class=\"inline-block icon icon--gallery-next !block\">   <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"50\" viewbox=\"0 0 50 50\"><defs><clippath id=\"gallery-next-a\"><path d=\"M7.554,0 L7.554,16.549 L13.224,10.885 L14,11.678 L7,18.667 L0,11.678 L0.77,10.885 L6.446,16.549 L6.446,0 L7.554,0 Z\"\/><\/clippath><\/defs><g transform=\"translate(.5 .5)\"><path fill=\"none\" stroke=\"#000\" stroke-miterlimit=\"10\" d=\"M24.5,49 C38.0309764,49 49,38.0309764 49,24.5 C49,10.9690236 38.0309764,0 24.5,0 C10.9690236,0 0,10.9690236 0,24.5 C0,38.0309764 10.9690236,49 24.5,49 Z\"\/><g clip-path=\"url(#gallery-next-a)\" transform=\"rotate(-90 22.167 8.333)\"><polygon points=\"0 0 14 0 14 18.667 0 18.667 0 0\"\/><\/g><\/g><\/svg> <\/span>     <\/div>   <\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 chaque budget son projet Au-del\u00e0 de vos pr\u00e9f\u00e9rences, votre capacit\u00e9 d\u2019emprunt doit aussi vous guider dans votre choix. Voici quelques \u00e9l\u00e9ments \u00e0 garder en t\u00eate au moment de calculer le prix du condo que vous pouvez vous permettre. Les co\u00fbts \u00e0 d\u00e9bourser lors de l\u2019achat comprennent : La mise de fonds, d\u2019un montant \u00e9quivalant&hellip;<\/p>\n","protected":false},"author":24,"featured_media":229,"parent":17,"menu_order":43,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_editorskit_title_hidden":false,"_editorskit_reading_time":2,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"class_list":["post-1101","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bien \u00e9valuer un budget pour l&#039;achat d&#039;un condo | Pr\u00e9vel<\/title>\n<meta name=\"description\" content=\"Pr\u00e9vel vous aide \u00e0 comprendre les frais d&#039;achat d&#039;un condo neuf et vous accompagne dans le choix du bon projet en lien avec votre 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