{"id":4750,"date":"2021-04-24T00:26:33","date_gmt":"2021-04-24T04:26:33","guid":{"rendered":"https:\/\/rmrsyndics.local\/?p=4750"},"modified":"2026-02-06T09:52:46","modified_gmt":"2026-02-06T14:52:46","slug":"etre-cosignataire-dun-pret-ou-endosseur","status":"publish","type":"post","link":"https:\/\/bagel.staging.agencealto.ca\/bagel\/etre-cosignataire-dun-pret-ou-endosseur\/","title":{"rendered":"\u00catre cosignataire d\u2019un pr\u00eat ou endosseur"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4750\" class=\"elementor elementor-4750\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68098a8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68098a8\" 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-2d8f18de\" data-id=\"2d8f18de\" 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-6295b6f9 elementor-widget elementor-widget-text-editor\" data-id=\"6295b6f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6>Vous pouvez \u00eatre approch\u00e9 par un ami, un membre de votre famille ou une connaissance pour \u00eatre cosignataire d\u2019un pr\u00eat. Il s\u2019agit de vous porter garant pour cette personne aupr\u00e8s d\u2019un pr\u00eateur (institution financi\u00e8re, concessionnaire automobile, etc.) lorsqu\u2019elle contracte un pr\u00eat. Bien que le pr\u00eat ne vous b\u00e9n\u00e9ficie pas financi\u00e8rement, il peut avoir certaines incidences sur votre situation personnelle, et ce, de plusieurs fa\u00e7ons.<\/h6><p>\u00a0<\/p><p style=\"text-align: left;\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fbff210 elementor-widget elementor-widget-video\" data-id=\"4fbff210\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/Kviegv5bDz4&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a1b8dc9 elementor-widget elementor-widget-text-editor\" data-id=\"2a1b8dc9\" 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>L&rsquo;impact sur votre dossier de cr\u00e9dit<\/h2>\n<p>Lorsque vous devenez cosignataire d\u2019un emprunt, vous en assumez l\u2019enti\u00e8re responsabilit\u00e9, au m\u00eame titre que si vous aviez contract\u00e9 un pr\u00eat \u00e0 votre nom. S\u2019il advenait que la personne dont vous cosignez l\u2019emprunt cesse de faire ses paiements, le pr\u00eateur pourrait exiger de vous le remboursement des sommes dues. Par ailleurs, les retards de paiement seront consign\u00e9s dans votre dossier de cr\u00e9dit, et toute d\u00e9marche entreprise par les cr\u00e9anciers (agence de recouvrement, mise en demeure, etc.) vous inclura. Cela pourrait affecter n\u00e9gativement votre dossier et votre cote de cr\u00e9dit, et rendre plus difficile l\u2019acc\u00e8s au financement par cr\u00e9dit, \u00e0 l\u2019avenir.<\/p>\n<p>&nbsp;<\/p>\n<h2>\u00a0<\/h2>\n<h2>Limitation de votre pouvoir d&#8217;emprunt<\/h2>\n<p>Puisque la dette contract\u00e9e, lorsque vous cosignez un emprunt, appara\u00eet \u00e0 votre dossier de cr\u00e9dit, elle est prise en compte dans le calcul de votre pouvoir d\u2019emprunt lorsque vous tentez de contracter une dette \u00e0 votre nom propre. C\u2019est principalement le cas lorsque vous demandez un pr\u00eat hypoth\u00e9caire. Cela peut limiter ou r\u00e9duire la somme \u00e0 laquelle vous pourriez avoir acc\u00e8s et vous obliger, dans certains cas, \u00e0 devoir renoncer \u00e0 certains achats.\n\n<p style=\"text-align: left;\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c6a84ed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c6a84ed\" 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-50 elementor-inner-column elementor-element elementor-element-8aac080\" data-id=\"8aac080\" 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-a81cb65 elementor-widget elementor-widget-text-editor\" data-id=\"a81cb65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6>\u00c9vitez l&rsquo;endettement progressif : <br>Faites votre budget en ligne<\/h6>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6db4d73\" data-id=\"6db4d73\" 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-9854c7f elementor-widget elementor-widget-button\" data-id=\"9854c7f\" 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=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/outils\/budget-en-ligne\/\">\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\">Budget en ligne<\/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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5ece6c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ece6c1\" 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-50 elementor-inner-column elementor-element elementor-element-886e0ef\" data-id=\"886e0ef\" 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-d4dc3e0 elementor-widget elementor-widget-text-editor\" data-id=\"d4dc3e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6>Vous ne savez pas si vous \u00eates endett\u00e9 ?\u00a0<br>Calculez votre ration d&rsquo;endettement.<\/h6>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0460dab\" data-id=\"0460dab\" 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-9386de8 elementor-widget elementor-widget-button\" data-id=\"9386de8\" 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=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/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\">Ratio d'endettement<\/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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-caffe31 elementor-widget elementor-widget-spacer\" data-id=\"caffe31\" 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-c256352 elementor-widget elementor-widget-text-editor\" data-id=\"c256352\" 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>L\u2019impact sur votre situation personnelle<\/h2><p>Si vous devez rembourser l\u2019emprunt que vous avez cosign\u00e9 parce que la personne que vous vouliez aider a cess\u00e9 de faire les paiements dus, cela peut avoir un impact majeur sur votre situation personnelle. Votre budget peut s\u2019en retrouver instable, et vous pourriez vous-m\u00eame vous retrouver avec des probl\u00e8mes financiers importants.<\/p><h2>\u00a0<\/h2><h2>L\u2019impact sur vos relations<\/h2><p>Il va sans dire qu\u2019une exp\u00e9rience n\u00e9gative, lorsque vous cosignez un emprunt, pourrait mettre \u00e0 mal la relation que vous avez avec la personne que vous avez tent\u00e9 de soutenir en vous portant garant de son emprunt.<\/p><h2>\u00a0<\/h2><h2>Certains c\u00f4t\u00e9s positifs pour l\u2019emprunteur<\/h2><p>Pour quelqu\u2019un qui n\u2019a pas de dossier de cr\u00e9dit, il peut \u00eatre difficile d\u2019obtenir du financement pour un achat important. Le fait d\u2019avoir un cosignataire qui a un bon dossier de cr\u00e9dit lui permettra alors d\u2019emprunter une somme plus importante et de se construire une bonne cote de cr\u00e9dit, \u00e0 condition d\u2019\u00eatre rigoureux dans ses paiements.<\/p><p>D\u2019autre part, les personnes qui ont un mauvais dossier de cr\u00e9dit se voient souvent offrir des taux d\u2019int\u00e9r\u00eat tr\u00e8s \u00e9lev\u00e9s. Le fait d\u2019avoir un cosignataire leur donne alors acc\u00e8s \u00e0 des taux plus raisonnables, surtout lorsque ce cosignataire a un excellent dossier de cr\u00e9dit.<\/p><p>Lorsque vous envisagez de cosigner un emprunt, prenez toujours le temps d\u2019\u00e9valuer votre situation et celle de la personne dont vous voulez vous porter garant. Invitez celle-ci \u00e0 consulter l\u2019un de nos conseillers en insolvabilit\u00e9 qui pourra l\u2019aider \u00e0 trouver une alternative ou \u00e0 redresser ses finances personnelles.<\/p><p>\u00c9valuez \u00e9galement votre capacit\u00e9 \u00e0 rembourser l\u2019emprunt par vous-m\u00eame, advenant le cas o\u00f9 elle serait dans l\u2019incapacit\u00e9 de le faire. Cela vous apportera la tranquillit\u00e9 d\u2019esprit et, surtout, l\u2019assurance de ne pas vous retrouver avec des probl\u00e8mes financiers, \u00e0 votre tour. Si vous \u00eates dans une situation o\u00f9 vous devez rembourser vous-m\u00eame la dette cosign\u00e9e, mais que cela affecte votre budget, consultez un conseiller en redressement financier.<\/p><h2>Obtenez les conseils d&rsquo;un syndic<\/h2><h3>Premi\u00e8re consultation gratuite<\/h3><p>Nos conseillers en insolvabilit\u00e9 ont comme seul objectif de vous venir en aide. Avec cette approche humaine et centr\u00e9e sur les besoins de nos clients, nous avons men\u00e9 \u00e0 bien pr\u00e8s de 25 000 dossiers depuis 25 ans. Il existe<span style=\"text-decoration: underline;\"> toujours<\/span> une solution aux probl\u00e8mes de dettes.<\/p><p><div class='_form_37'><\/div><script type='text\/javascript' src='https:\/\/roymetivierroberge.activehosted.com\/f\/embed.php?static=0&#038;id=37&#038;6A14FFB4E7285&#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>Vous pouvez \u00eatre approch\u00e9 par un ami, un membre de votre famille ou une connaissance pour \u00eatre cosignataire d\u2019un pr\u00eat. Il s\u2019agit de vous porter garant pour cette personne aupr\u00e8s d\u2019un pr\u00eateur [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":22567,"comment_status":"closed","ping_status":"closed","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":[185,28],"tags":[41,42,38,39,43,44,40,45],"class_list":["post-4750","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils-financiers","category-endettement","tag-cosignataire","tag-cote-de-credit","tag-credits","tag-dettes","tag-dossier-de-credit","tag-endosseurs","tag-finances-personelles","tag-pret"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00catre cosignataire d\u2019un pr\u00eat ou endosseur - Roy M\u00e9tivier Roberge Syndics<\/title>\n<meta name=\"description\" content=\"On vous a approch\u00e9 pour \u00eatre cosignataire d\u2019un emprunt ? Soyez avis\u00e9 de l\u2019impact sur votre dossier de cr\u00e9dit. Vous avez des questions? Venez nous consulter.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00catre cosignataire d\u2019un pr\u00eat ou endosseur - Roy M\u00e9tivier Roberge\" \/>\n<meta property=\"og:description\" content=\"On vous a approch\u00e9 pour \u00eatre cosignataire d\u2019un emprunt ? 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