{"id":6874,"date":"2024-10-20T19:16:13","date_gmt":"2024-10-20T19:16:13","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6874"},"modified":"2025-09-26T15:26:39","modified_gmt":"2025-09-26T15:26:39","slug":"comment-la-loi-dodd-frank-affecte-les-hypotheques","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/fr\/how-dodd-frank-affects-mortgages\/","title":{"rendered":"Comment la loi Dodd-Frank affecte-t-elle les pr\u00eats hypoth\u00e9caires ?"},"content":{"rendered":"<p>La loi Dodd-Frank a \u00e9t\u00e9 la r\u00e9ponse du gouvernement \u00e0 la crise hypoth\u00e9caire de 2008. Elle visait \u00e0 mettre un terme aux pratiques de pr\u00eat \u00e0 risque et a \u00e9tabli plusieurs nouvelles autorit\u00e9s et bureaux pour superviser la stabilit\u00e9 du march\u00e9.&nbsp;<\/p>\n\n\n\n<p>Les emprunteurs hypoth\u00e9caires doivent conna\u00eetre certaines parties importantes de la loi Dodd-Frank :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les banques ont \u00e9t\u00e9 contraintes d'augmenter leurs r\u00e9serves obligatoires.<\/li>\n\n\n\n<li>Dispositions emp\u00eachant les courtiers en pr\u00eats hypoth\u00e9caires de percevoir des commissions plus \u00e9lev\u00e9es sur les pr\u00eats assortis de frais et de taux d'int\u00e9r\u00eat plus \u00e9lev\u00e9s.<\/li>\n\n\n\n<li>Emp\u00eache les initiateurs de pr\u00eats hypoth\u00e9caires d'orienter les emprunteurs vers des pr\u00eats qui leur permettent d'obtenir le paiement le plus \u00e9lev\u00e9, simplement parce qu'il s'agit du paiement le plus \u00e9lev\u00e9.&nbsp;<\/li>\n\n\n\n<li>Elle oblige les pr\u00eateurs \u00e0 divulguer des informations sous une forme facile \u00e0 lire et \u00e0 comprendre.&nbsp;<\/li>\n\n\n\n<li>Elle a renforc\u00e9 et \u00e9largi les protections et les incitations en faveur des d\u00e9nonciateurs.&nbsp;<\/li>\n\n\n\n<li>Elle donne au Conseil de la R\u00e9serve f\u00e9d\u00e9rale plus de pouvoir pour interdire les conditions de pr\u00eat trompeuses, d\u00e9loyales ou pr\u00e9datrices.<\/li>\n\n\n\n<li>Elle \u00e9tablit des normes minimales pour tous les produits hypoth\u00e9caires.&nbsp;<\/li>\n\n\n\n<li>Elle emp\u00eache les pr\u00eateurs hypoth\u00e9caires d'accorder un pr\u00eat s'ils ne peuvent pas raisonnablement d\u00e9terminer que l'emprunteur peut rembourser le pr\u00eat.&nbsp;<\/li>\n\n\n\n<li>Elle interdit certaines p\u00e9nalit\u00e9s de remboursement anticip\u00e9 des pr\u00eats hypoth\u00e9caires.&nbsp;<\/li>\n\n\n\n<li>Elle a \u00e9tabli le <a rel=\"nofollow\" href=\"https:\/\/www.hud.gov\/program_offices\/housing\/hsg_counseling\">Bureau de conseil en mati\u00e8re de logement<\/a> qui fournit aux consommateurs des informations, des programmes \u00e9ducatifs et une assistance aux emprunteurs hypoth\u00e9caires.<\/li>\n\n\n\n<li>Les organismes de cr\u00e9dit hypoth\u00e9caire ne peuvent pas obtenir une assurance forc\u00e9e sans avoir de bonnes raisons de penser que l'emprunteur n'a pas souscrit d'assurance immobili\u00e8re.&nbsp;<\/li>\n\n\n\n<li>Les cr\u00e9anciers sont tenus d'obtenir une \u00e9valuation \u00e9crite du bien immobilier avant d'accorder un pr\u00eat hypoth\u00e9caire \u00e0 haut risque, aux frais du cr\u00e9ancier.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Les d\u00e9tracteurs de la loi affirment que toute cette r\u00e9glementation stricte rend l'accession \u00e0 la propri\u00e9t\u00e9 plus co\u00fbteuse pour les consommateurs en augmentant le co\u00fbt du financement hypoth\u00e9caire, ce qui rend l'acc\u00e8s \u00e0 la propri\u00e9t\u00e9 plus difficile pour les emprunteurs \u00e0 faibles revenus, ainsi que pour les primo-acc\u00e9dants. Il est \u00e9galement possible que la loi ait pouss\u00e9 davantage d'activit\u00e9s de pr\u00eat hypoth\u00e9caire vers les pays suivants <a href=\"https:\/\/bankingjournal.aba.com\/2024\/01\/adding-insult-to-injury-how-regulators-are-making-homebuying-even-more-expensive\/\">soci\u00e9t\u00e9s hypoth\u00e9caires non bancaires<\/a>.&nbsp;<\/p>\n\n\n\n<p>N\u00e9anmoins, la situation n'est pas aussi sombre que certains experts le laissent entendre. Il existe encore de nombreux programmes destin\u00e9s aux primo-acc\u00e9dants et aux acheteurs \u00e0 faibles revenus. Vous pouvez encore obtenir un pr\u00eat hypoth\u00e9caire sans apport si vous choisissez le bon programme, ou un pr\u00eat hypoth\u00e9caire avec un faible apport.&nbsp;<\/p>\n\n\n\n<p>Voir aussi <a href=\"https:\/\/thedocegroup.com\/how-to-save-for-a-down-payment\/\">Comment \u00e9pargner pour un versement initial<\/a><\/p>\n\n\n\n<p>Voir aussi <a href=\"https:\/\/thedocegroup.com\/your-2024-roadmap-to-buying-your-first-home\/\">Votre feuille de route pour l'achat de votre premier logement en 2024<\/a><\/p>\n\n\n\n<p>Chez Doce Mortgage Group, nous n'avons pas eu besoin de normes r\u00e9glementaires particuli\u00e8res pour traiter nos emprunteurs avec le plus grand respect et leur proposer les produits de pr\u00eat qui leur convenaient le mieux. <em>les<\/em>mais pas pour nous. Nous consid\u00e9rions ces dispositions comme une question d'int\u00e9grit\u00e9 fondamentale bien avant qu'elles ne soient inscrites dans la loi.<\/p>\n\n\n\n<p>Nous nous engageons \u00e0 utiliser des pratiques de souscription responsables et \u00e0 fournir les informations et les conseils qui peuvent vous aider \u00e0 acheter un logement.<\/p>\n\n\n\n<p>Pr\u00eat \u00e0 commencer ? <a href=\"https:\/\/thedocegroup.com\/contact\/\">Planifier une consultation gratuite<\/a> avec Alex Doce aujourd'hui.<\/p>","protected":false},"excerpt":{"rendered":"<p>The Dodd-Frank Act was the government&#8217;s answer to the 2008 mortgage crisis. It was meant to shut down risky lending practices and established several new authorities and bureaus to oversee the stability of the market.&nbsp; Some important parts of the Dodd-Frank Act that mortgage borrowers should know about include: Critics of the Act say that [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6875,"comment_status":"closed","ping_status":"closed","sticky":false,"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-6874","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\" 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