November 20 2016 426Comments

Important changement des règles de financement hypothécaire effectif le 17 octobre 2016

Le ministre des Finances du Canada a annoncé le lundi 3 octobre dernier, un changement majeur des règles de financement hypothécaire qui affectera tous les clients actuellement en processus pour l’achat d’une nouvelle maison.

Voici un extrait du communiqué publié par le ministre des Finances du Canada :

1)    Uniformiser les règles régissant les prêts hypothécaires assurés

« Simulation de crise des taux d’intérêt hypothécaires » pour tous les emprunteurs assurés »

Afin d’assurer que les nouveaux propriétaires puissent se permettre les paiements de remboursement de leur hypothèque, même lorsque les taux d’intérêt commencent à augmenter, les règles régissant l’assurance hypothécaire exigent que les prêteurs effectuent dans certains cas une «simulation de crise» pour vérifier la capacité de l’emprunteur à rembourser son prêt à un taux d’intérêt plus élevé.

À l’heure actuelle, cette exigence ne s’applique qu’à une catégorie de prêts hypothécaires assurés, d’une durée de moins de cinq ans, au taux variable ou fixe.

À compter du 17 octobre 2016, l’exigence sera étendue à tous les prêts hypothécaires assurés, y compris les prêts à taux fixe de 5 ans ou plus.

Les propriétaires d’une résidence qui détiennent déjà une hypothèque assurée ou ceux qui renouvellent un prêt hypothécaire assuré ne sont pas touchés par cette mesure.

Lire l’article complet en cliquant sur le lien ci-dessous :

À partir du 17 octobre 2016, nous devrons qualifier les clients avec le taux affiché de la Banque du Canada soit : 4,64 % au lieu du taux 5 ans « négocié ».

Cette nouvelle exigence représente une augmentation de taux de plus de 2 % aux termes de la qualification.

Exemple : Achat de 200 000 $ avec mise de fonds de 5 % + la prime SCHL : Montant du financement = 196 840 $

Qualification avec le taux négocié à 2,39 % avec un terme 5 ans : le versement = 871,03 $

Qualification avec le taux « affiché » de la Banque du Canada de 4,64 % : le versement = 1 104,83 $

Soit une différence de 233,80 $ / mois.

Selon l’exemple ci-dessus, en fonction des nouvelles normes, nous devrons malheureusement revoir à la baisse le prix d’achat de la nouvelle maison à 158 000 $ au lieu de 200 000 $ afin de respecter le versement maximum possible selon les revenus et dépenses personnels. Cette simulation a été effectuée en considérant un revenu familial de 45 000$, 1800$ de chauffage annuel et 2500$ de taxes (municipales et scolaires) annuelles (Ratio 32% ABD* sans tenir compte des autres dettes du ménage)

En tant que courtier hypothécaire, j’ai accès à la plupart des institutions financières, et ce, en un seul rendez-vous.

Bien que ce resserrement des règles s’adresse à l’ensemble des institutions financières (incluant Desjardins), l’application des règles et exigences demeure tout de même différente d’une institution financière à l’autre.

Afin de vous faciliter la vie, n’hésitez pas à me contacter pour que je puisse vous aider à établir votre budget et bien planifier votre demande de financement en prévision de l’achat de votre future propriété.



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