{"id":6387,"date":"2024-06-02T18:39:45","date_gmt":"2024-06-02T18:39:45","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6387"},"modified":"2025-09-25T21:00:24","modified_gmt":"2025-09-25T21:00:24","slug":"loyer-ou-hypotheque-quelle-est-la-meilleure-option-pour-vous","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/fr\/rent-vs-mortgage-which-is-the-best-option-for-you\/","title":{"rendered":"Location ou hypoth\u00e8que : Quelle est la meilleure option pour vous ?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6387\" class=\"elementor elementor-6387\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b3453e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b3453e4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d197dd5\" data-id=\"d197dd5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36999d2f elementor-widget elementor-widget-text-editor\" data-id=\"36999d2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p>Les pr\u00eats hypoth\u00e9caires sont souvent moins chers que les loyers, m\u00eame si l'accession \u00e0 la propri\u00e9t\u00e9 n'est pas toujours le cas. En outre, la propri\u00e9t\u00e9 d'un logement est un investissement puisque vous accumulez des fonds propres au fur et \u00e0 mesure que vous effectuez des paiements.\u00a0<\/p>\n<p><\/p>\n<p>Les deux paiements semblent souvent similaires pour les personnes inexp\u00e9riment\u00e9es, qui comparent les chiffres sans tenir compte de ce qu'ils font. Mais il est essentiel de comprendre comment votre argent travaille pour vous dans les deux cas.\u00a0<\/p>\n<p><\/p>\n<p>Certaines de ces comparaisons peuvent vous aider \u00e0 d\u00e9cider d'acheter ou de rester locataire.<\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\"><strong>Les loyers augmentent chaque ann\u00e9e, ce qui n'est g\u00e9n\u00e9ralement pas le cas des pr\u00eats hypoth\u00e9caires.\u00a0<\/strong><\/h2>\n<p><\/p>\n<p>La plupart des propri\u00e9taires augmentent l\u00e9g\u00e8rement le loyer \u00e0 chaque fois que vous signez un nouveau bail. Souvent, ils essaient de suivre l'augmentation des taxes fonci\u00e8res, de l'assurance et des frais d'entretien. Ils peuvent \u00e9galement essayer de suivre les tendances du march\u00e9. En contrepartie, vous \u00e9vitez les taxes fonci\u00e8res, vous conservez la possibilit\u00e9 de d\u00e9m\u00e9nager quand vous le souhaitez et vous avez la possibilit\u00e9 d'appeler un agent d'entretien chaque fois que quelque chose se casse.\u00a0<\/p>\n<p><\/p>\n<p>Il est rare que les loyers soient vraiment stables, et certains propri\u00e9taires peuvent finir par imposer \u00e0 leurs locataires le prix de leur logement, ce qui les oblige \u00e0 d\u00e9m\u00e9nager. Vous pourrez peut-\u00eatre att\u00e9nuer certaines de ces augmentations gr\u00e2ce \u00e0 des baux plus longs ou \u00e0 vos talents de n\u00e9gociateur, mais la d\u00e9rive se poursuivra.\u00a0<\/p>\n<p><\/p>\n<p>Si vous obtenez un\u00a0<a href=\"https:\/\/thedocegroup.com\/adjustable-rate-mortgage\/\" target=\"_blank\" rel=\"noopener\">Hypoth\u00e8que \u00e0 taux variable (<\/a>ARM), vos paiements hypoth\u00e9caires fluctueront, et si vous obtenez une hypoth\u00e8que ballon, ils augmenteront. Mais si vous obtenez un\u00a0<a href=\"https:\/\/thedocegroup.com\/conventional-loans\/\" target=\"_blank\" rel=\"noopener\">pr\u00eat conventionnel,<\/a>\u00a0un\u00a0<a href=\"https:\/\/thedocegroup.com\/conventional-loans\/\" target=\"_blank\" rel=\"noopener\">Pr\u00eat FHA<\/a>, a\u00a0<a href=\"https:\/\/thedocegroup.com\/va-loans\/\" target=\"_blank\" rel=\"noopener\">Pr\u00eat VA<\/a>ou un\u00a0<a href=\"https:\/\/thedocegroup.com\/usda-loans\/\" target=\"_blank\" rel=\"noopener\">Pr\u00eat USDA,<\/a>\u00a0votre paiement restera stable pendant toute la dur\u00e9e du pr\u00eat. Lorsque vous aurez termin\u00e9 votre\u00a0<a href=\"https:\/\/thedocegroup.com\/15-year-fixed-rate-mortgages\/\" target=\"_blank\" rel=\"noopener\">15 ans<\/a>\u00a0ou\u00a0<a href=\"https:\/\/thedocegroup.com\/30-year-fixed-rate-mortgages\/\" target=\"_blank\" rel=\"noopener\">Amortissement sur 30 ans<\/a>\u00a0votre emploi du temps, votre\u00a0<a href=\"https:\/\/thedocegroup.com\/payment-calculator\/\" target=\"_blank\" rel=\"noopener\">paiement de l'hypoth\u00e8que<\/a>\u00a0peuvent \u00eatre consid\u00e9rablement inf\u00e9rieurs aux loyers locaux.\u00a0<\/p>\n<p><\/p>\n<p>Cette affirmation est assortie d'une mise en garde. La plupart des propri\u00e9taires int\u00e8grent leurs imp\u00f4ts fonciers dans leurs paiements hypoth\u00e9caires jusqu'\u00e0 ce qu'ils remboursent leur maison. L'imp\u00f4t foncier <em>peut <\/em>Les taux d'int\u00e9r\u00eat augmentent chaque ann\u00e9e, ce qui peut, \u00e0 son tour, augmenter vos paiements hypoth\u00e9caires. Assurez-vous de bien comprendre l'anatomie de votre paiement hypoth\u00e9caire lorsque vous contractez un pr\u00eat immobilier.\u00a0<\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\"><strong>Les hypoth\u00e8ques s'accompagnent de co\u00fbts suppl\u00e9mentaires.<\/strong><\/h2>\n<p><\/p>\n<p>Lorsque l'on consid\u00e8re le co\u00fbt d'un pr\u00eat hypoth\u00e9caire, il faut voir plus loin que le paiement. Lorsque vous cessez de consid\u00e9rer le pr\u00eat hypoth\u00e9caire en tant que tel et que vous commencez \u00e0 ajouter tous les co\u00fbts, vous vous apercevez que vous allez devoir faire face \u00e0 de nouvelles d\u00e9penses mensuelles qui pourraient rendre l'accession \u00e0 la propri\u00e9t\u00e9 aussi co\u00fbteuse que votre loyer, voire plus co\u00fbteuse encore.<\/p>\n<p><\/p>\n<p>Il peut s'agir de<\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Primes d'assurance habitation<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Des factures d'\u00e9lectricit\u00e9 plus \u00e9lev\u00e9es<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Frais d'entretien<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Nouveaux meubles ou outils<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Cotisations \u00e0 l'association des propri\u00e9taires<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Imp\u00f4ts fonciers<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><\/p>\n<p><\/p>\n<p>La r\u00e8gle 40%\/40% peut vous aider \u00e0 ma\u00eetriser ces paiements. En g\u00e9n\u00e9ral, les pr\u00eateurs recommandent que votre remboursement hypoth\u00e9caire ne d\u00e9passe pas 40% de votre revenu mensuel brut et que le total de vos dettes mensuelles, y compris le remboursement de votre logement, ne d\u00e9passe pas 40%, afin que vous puissiez faire face \u00e0 toutes vos obligations.\u00a0<\/p>\n<p><\/p>\n<p>Toutefois, le pr\u00eateur ne fera pas n\u00e9cessairement la police pour vous - certains vous autoriseront \u00e0 emprunter jusqu'\u00e0 50% de vos revenus. Il est de votre responsabilit\u00e9 de savoir combien vous pouvez vous permettre, mais un bon conseiller hypoth\u00e9caire vous avertira si vous essayez d'emprunter trop.\u00a0<\/p>\n<p><\/p>\n<p>N\u00e9anmoins, ces co\u00fbts suppl\u00e9mentaires sont la raison pour laquelle un pr\u00eateur peut vous dire que vous ne pouvez pas encore vous permettre de contracter un pr\u00eat hypoth\u00e9caire, m\u00eame si vous payez r\u00e9guli\u00e8rement un loyer beaucoup plus \u00e9lev\u00e9 depuis des ann\u00e9es. Le pr\u00eateur veut savoir si vous pouvez faire face \u00e0 toutes les d\u00e9penses li\u00e9es \u00e0 l'accession \u00e0 la propri\u00e9t\u00e9, d'autant plus qu'il garantit le pr\u00eat avec votre logement. Si vous n'\u00eates pas en mesure de g\u00e9rer l'entretien ou de conserver la valeur de la maison, le pr\u00eateur est perdant.\u00a0<\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\"><strong>Les propri\u00e9taires se constituent un capital.<\/strong><\/h2>\n<p><\/p>\n<p>Les fonds propres sont la premi\u00e8re raison pour laquelle l'accession \u00e0 la propri\u00e9t\u00e9 l'emporte toujours sur la location. Lorsque vous payez un loyer, vous aidez le propri\u00e9taire \u00e0 conserver la valeur de son investissement. Vous pourriez d\u00e9penser $2000 par mois pendant 20 ans et n'avoir rien \u00e0 montrer \u00e0 la fin.<\/p>\n<p><\/p>\n<p>Pendant ce temps, la valeur des maisons continue d'augmenter. Si vous payez un pr\u00eat hypoth\u00e9caire de $2000 pendant des ann\u00e9es, vous pourriez vous r\u00e9veiller un matin et d\u00e9couvrir que votre maison vaut trois, quatre, voire cinq fois plus que ce que vous avez pay\u00e9 pour l'acqu\u00e9rir.\u00a0<\/p>\n<p><\/p>\n<p>Les fonds propres sont synonymes d'options : lignes de cr\u00e9dit, possibilit\u00e9 de vendre pour r\u00e9aliser un b\u00e9n\u00e9fice, ou m\u00eame simplement jouir de la s\u00e9curit\u00e9 que procure le fait d'avoir son propre logement. L'accession \u00e0 la propri\u00e9t\u00e9 reste l'un des principaux outils de constitution de patrimoine pour la famille am\u00e9ricaine moyenne, et c'est pourquoi elle continue d'\u00eatre la pierre angulaire du r\u00eave am\u00e9ricain.\u00a0<\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\"><strong>L'accession \u00e0 la propri\u00e9t\u00e9 permet de r\u00e9aliser des \u00e9conomies d'imp\u00f4t.<\/strong><\/h2>\n<p><\/p>\n<p>Vous pouvez g\u00e9n\u00e9ralement d\u00e9duire les int\u00e9r\u00eats hypoth\u00e9caires et les imp\u00f4ts fonciers locaux dans votre d\u00e9claration d'imp\u00f4ts f\u00e9d\u00e9rale. Les d\u00e9ductions d\u00e9taill\u00e9es ne d\u00e9passent pas toujours la d\u00e9duction standard, ce qui signifie que les propri\u00e9taires ne b\u00e9n\u00e9ficient pas toujours de ces \u00e9conomies. N\u00e9anmoins, la d\u00e9duction vaut la peine d'\u00eatre prise en consid\u00e9ration.<\/p>\n<p><\/p>\n<p>Si vous apportez des am\u00e9liorations sp\u00e9cifiques en mati\u00e8re d'efficacit\u00e9 \u00e9nerg\u00e9tique, vous pouvez \u00e9galement b\u00e9n\u00e9ficier de cr\u00e9dits d'imp\u00f4t. Les cr\u00e9dits s'appliquent que vous d\u00e9tailliez vos d\u00e9ductions ou que vous utilisiez les d\u00e9ductions standard.\u00a0<\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\"><strong>Laquelle vous convient le mieux ?<\/strong><\/h2>\n<p><\/p>\n<p>Si vous savez que vous resterez dans la m\u00eame r\u00e9gion pendant cinq ans ou plus, l'accession \u00e0 la propri\u00e9t\u00e9 l'emporte g\u00e9n\u00e9ralement sur la location en tant que bonne d\u00e9cision financi\u00e8re \u00e0 chaque fois. De plus, gr\u00e2ce \u00e0 la grande vari\u00e9t\u00e9 d'options de pr\u00eat propos\u00e9es par Alex Doce, l'accession \u00e0 la propri\u00e9t\u00e9 peut \u00eatre plus proche que vous ne le pensez.<\/p>\n<p><\/p>\n<p><a href=\"https:\/\/thedocegroup.com\/about\/\">Alex Doce<\/a> Alex Doce peut vous aider m\u00eame si vous n'avez pas d'acompte \u00e0 offrir, m\u00eame si vous avez un mauvais cr\u00e9dit, et m\u00eame si vous \u00eates retrait\u00e9 ou ind\u00e9pendant.\u00a0<\/p>\n<p><\/p>\n<p>Vous voulez savoir si Alex a un programme qui vous convient ? <a href=\"https:\/\/thedocegroup.com\/contact\/#calendly\">Planifier une consultation individuelle<\/a> aujourd'hui.\u00a0<\/p>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Mortgages are often cheaper than rent, though homeownership itself isn&#8217;t always. Plus, owning a home is an investment since you build equity as you make payments.\u00a0 The two payments often look similar to the inexperienced, as they compare the numbers without considering what those numbers are doing. But it&#8217;s essential to understand how your money [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6389,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.6.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"Are you trying to decide whether to purchase a home or whether to remain a renter? 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