{"id":17647,"date":"2022-05-12T18:04:00","date_gmt":"2022-05-12T22:04:00","guid":{"rendered":"https:\/\/newrmr.wpengine.com\/?p=2804"},"modified":"2026-02-05T09:46:23","modified_gmt":"2026-02-05T14:46:23","slug":"le-ratio-dendettement","status":"publish","type":"post","link":"https:\/\/bagel.staging.agencealto.ca\/bagel\/le-ratio-dendettement\/","title":{"rendered":"Apprenez-en plus sur le ratio d&rsquo;endettement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"17647\" class=\"elementor elementor-17647\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4149bf0c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4149bf0c\" 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-65f8e813\" data-id=\"65f8e813\" 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-bda71fe elementor-widget elementor-widget-text-editor\" data-id=\"bda71fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>Si vous\u00a0pr\u00e9voyez un achat important, il peut \u00eatre \u00a0judicieux, avant toute chose, d\u2019\u00e9tablir votre ratio d\u2019endettement. Mais, de quoi s\u2019agit-il exactement? Comment le calculer? Quels sont les param\u00e8tres \u00e0 prendre en consid\u00e9ration? Et surtout, comment interpr\u00e9ter les r\u00e9sultats?<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e8552c elementor-widget elementor-widget-text-editor\" data-id=\"2e8552c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Comment calculer le ratio d\u2019endettement?<\/strong><\/h3><p>Pour calculer votre ratio d\u2019endettement, il vous faut d\u2019abord diviser le montant total de vos dettes par votre revenu mensuel net et multiplier le tout par 100, si vous souhaitez obtenir un pourcentage.<\/p><p>Voici les dettes qu&rsquo;il faut consid\u00e9rer dans votre calcul:<\/p><ul><li>les paiements hypoth\u00e9caires mensuels;<\/li><li>les taxes municipales et scolaires;<\/li><li>l&rsquo;assurance-vie;<\/li><li>l&rsquo;assurance habitation;<\/li><li>les pr\u00eats automobiles;<\/li><li>le paiement mensuel du solde des cartes de cr\u00e9dit;<\/li><li>un \u00e9ventuel pr\u00eat personnel;<\/li><li>un pr\u00eat \u00e9tudiant;<\/li><li>les frais relatifs \u00e0 une pension alimentaire, s\u2019il y a lieu.<\/li><\/ul><p><span style=\"line-height: 1.5;\">Notez que certaines d\u00e9penses comme les frais d\u2019\u00e9picerie, de t\u00e9l\u00e9phone, d\u2019\u00e9lectricit\u00e9 ou de transport, n\u2019\u00e9tant pas directement reli\u00e9es \u00e0 la notion d\u2019endettement, ne seront pas prises en compte dans le calcul du ratio d\u2019endettement. Toutefois, m\u00eame si ces d\u00e9penses ne sont pas consid\u00e9r\u00e9es pour \u00e9tablir ou non votre solvabilit\u00e9, il serait certainement important de les inclure dans votre budget si vous pr\u00e9voyez des achats importants.<\/span><\/p><p><span style=\"line-height: 1.5;\">Ne perdez pas de temps! Calculez d\u00e8s maintenant\u00a0votre ratio d\u2019endettement en utilisant certains outils comme notre <\/span><a style=\"line-height: 1.5;\" href=\"\/outils\/ratio-endettement\/\">calculateur de ratio d&rsquo;endettement<\/a><span style=\"line-height: 1.5;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-598fb23 elementor-widget elementor-widget-button\" data-id=\"598fb23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/outils\/ratio-endettement\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CALCULEZ VOTRE ratio<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2306466 elementor-widget elementor-widget-spacer\" data-id=\"2306466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04c8c89 elementor-widget elementor-widget-text-editor\" data-id=\"04c8c89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Et les r\u00e9sultats, comment les interpr\u00e9ter?<\/strong><\/h3>\n<p>Vous avez calcul\u00e9 votre ratio d\u2019endettement ? Et maintenant, quelle analyse en faire ? Sachez que s\u2019il est inf\u00e9rieur ou \u00e9gal \u00e0 30%, votre capacit\u00e9 \u00e0 honorer vos dettes est jug\u00e9e comme excellente. Il serait donc ais\u00e9 de contracter de nouveaux emprunts, si n\u00e9cessaire. S\u2019il se situe entre 30 et 39%, pas de panique, vous \u00eates encore bien per\u00e7us. Par contre, si votre ratio est sup\u00e9rieur \u00e0 40%, les choses se compliquent et vous pourriez vous voir refuser un pr\u00eat hypoth\u00e9caire, automobile ou autre.<br><br><\/p>\n<p style=\"text-align: left;\">En r\u00e9sum\u00e9, le ratio d\u2019endettement refl\u00e8te votre situation financi\u00e8re actuelle. Son calcul devient alors indispensable lorsqu\u2019il s\u2019agit de contracter un nouvel emprunt. Soyez alors vigilant si vous pr\u00e9voyez un achat important dans les prochaines semaines ou les prochains mois!<\/p>\n<p style=\"text-align: left;\">\n<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37c5d0f elementor-widget elementor-widget-text-editor\" data-id=\"37c5d0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"text-align: left;\">Vous aimeriez discuter avec un conseiller RMR\u00a0?<\/h2><p style=\"text-align: left;\"><div class='_form_37'><\/div><script type='text\/javascript' src='https:\/\/roymetivierroberge.activehosted.com\/f\/embed.php?static=0&#038;id=37&#038;69F499C2828A1&#038;nostyles=0&#038;preview=0'><\/script><\/p>\t\t\t\t\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Si vous\u00a0pr\u00e9voyez un achat important, il peut \u00eatre \u00a0judicieux, avant toute chose, d\u2019\u00e9tablir votre ratio d\u2019endettement. Mais, de quoi s\u2019agit-il exactement? Comment le calculer? Quels sont les param\u00e8tres \u00e0 prendre en consid\u00e9ration? [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":18382,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[25],"tags":[45,59],"class_list":["post-17647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances-personnelles","tag-pret","tag-ratio-dendettement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - 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