{"id":2776,"date":"2015-06-07T18:09:04","date_gmt":"2015-06-07T23:09:04","guid":{"rendered":"http:\/\/www.olgaouspenski.net\/?p=2776"},"modified":"2015-06-07T18:11:32","modified_gmt":"2015-06-07T23:11:32","slug":"schl-hausse-des-primes-dassurance","status":"publish","type":"post","link":"https:\/\/www.olgaouspenski.net\/blogwp1\/schl-hausse-des-primes-dassurance\/","title":{"rendered":"SCHL – Hausse des primes d\u2019assurance"},"content":{"rendered":"

\"CMHCSCHL\"<\/a>\u00c0 compter de 1-er juin 2015 la Soci\u00e9t\u00e9 canadienne d\u2019hypoth\u00e8ques et de logement \u00a0(SCHL) augmente les primes d\u2019assurance pr\u00eat hypoth\u00e9caire pour les acheteurs dont la mise de fonds est inf\u00e9rieure \u00e0 10%.\u00a0Seulement deux segments de pr\u00eats hypoth\u00e9caires sont vis\u00e9s par cette augmentation, en l\u2019occurrence lorsque le ratio pr\u00eat-valeur est de moins de 95% ou encore lorsque celui-ci repr\u00e9sente de 90,01% \u00e0 95% tout en ayant une mise de fonds non traditionnelle. On entend par mise de fonds non traditionnelle des fonds emprunt\u00e9s ou une remise accord\u00e9e par le pr\u00eateur par exemple.<\/p>\n

Les primes assum\u00e9es par ces acheteurs qui vont acqu\u00e9rir une maison \u00e0 compter du 1er<\/sup> juin seront plus \u00e9lev\u00e9es d\u2019environ 15%, a annonc\u00e9 l\u2019institution f\u00e9d\u00e9rale.\u00a0Pour un propri\u00e9taire dont l\u2019hypoth\u00e8que s\u2019\u00e9l\u00e8ve \u00e0 250\u00a0000$ sur une p\u00e9riode d\u2019amortissement de 25 ans, la hausse sera de 1125$, portant le total \u00e0 9000$ ou une augmentation\u00a0des mensualit\u00e9s hypoth\u00e9caires de 5,20$ par mois.\u00a0\u00abIl ne devrait donc pas y avoir d’effet tangible sur les march\u00e9s de l’habitation\u00bb, affirme la SCHL.<\/p>\n

Les primes exigibles pour les acheteurs versant une mise de fonds de 10% ou plus demeurent inchang\u00e9es.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
Rapport pr\u00eat-valeur<\/strong><\/td>\nPrimes ordinaires<\/strong>
\n(Actuelles)<\/strong><\/td>\n		Primes ordinaires<\/strong>
\n(\u00c0 compter du 1er juin 2015)<\/strong><\/td>\n<\/tr>\n
65 % ou moins<\/td>\n0,60 %<\/td>\n0,60 %<\/td>\n<\/tr>\n
75 % ou moins<\/td>\n0,75 %<\/td>\n0,75 %<\/td>\n<\/tr>\n
80 % ou moins<\/td>\n1,25 %<\/td>\n1,25 %<\/td>\n<\/tr>\n
85 % ou moins<\/td>\n1,80 %<\/td>\n1,80 %<\/td>\n<\/tr>\n
90 % ou moins<\/td>\n2,40 %<\/td>\n2,40 %<\/td>\n<\/tr>\n
95 % ou moins<\/span><\/td>\n3,15 %<\/span><\/td>\n3,60 %<\/span><\/td>\n<\/tr>\n
Mise de fonds non traditionnelle<\/strong><\/td>\n<\/tr>\n
De 90,01 \u00e0 95 %<\/span><\/td>\n3,35 %<\/span><\/td>\n3,85 %<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Augmentation\u00a0des mensualit\u00e9s hypoth\u00e9caires selon le montant de pr\u00eat:<\/h4>\n\n\n\n\n\n\n\n\n\n
Rapport pr\u00eat-valeur de 95 %<\/strong><\/td>\n<\/td>\n<\/tr>\n
Montant du pr\u00eat<\/td>\n150 000<\/td>\n$<\/td>\n250 000<\/td>\n$<\/td>\n350 000<\/td>\n$<\/td>\n450 000<\/td>\n$<\/td>\n<\/tr>\n
Prime actuelle<\/td>\n4 725<\/td>\n$<\/td>\n7 875<\/td>\n$<\/td>\n11 025<\/td>\n$<\/td>\n14 175<\/td>\n$<\/td>\n<\/tr>\n
Nouvelle prime<\/td>\n5 400<\/td>\n$<\/td>\n9 000<\/td>\n$<\/td>\n12 600<\/td>\n$<\/td>\n16 200<\/td>\n$<\/td>\n<\/tr>\n
Prime additionnelle<\/td>\n675<\/td>\n$<\/td>\n1 125<\/td>\n$<\/td>\n1 575<\/td>\n$<\/td>\n2 025<\/td>\n$<\/td>\n<\/tr>\n
Augmentation des mensualit\u00e9s
\nhypoth\u00e9caires<\/td>\n		3,12<\/td>\n$<\/td>\n5,20<\/td>\n$<\/td>\n7,29<\/td>\n$<\/td>\n9,36<\/td>\n$<\/td>\n<\/tr>\n
Selon un terme de 5 ans, un taux de 2,79 % et une p\u00e9riode d’amortissement de 25 ans<\/strong><\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"

\u00c0 compter de 1-er juin 2015 la Soci\u00e9t\u00e9 canadienne d\u2019hypoth\u00e8ques et de logement \u00a0(SCHL) augmente les primes d\u2019assurance pr\u00eat hypoth\u00e9caire pour les acheteurs dont la mise de fonds est inf\u00e9rieure \u00e0 10%.\u00a0Seulement deux segments de pr\u00eats hypoth\u00e9caires sont vis\u00e9s par cette augmentation, en l\u2019occurrence lorsque le ratio pr\u00eat-valeur est de moins de 95% ou encore … Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":2332,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1,61,58,59],"tags":[46,13,45,41,84,33,9,17,14,12],"class_list":["post-2776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-immobilier","category-info","category-real-estate-2","category-tendances","tag-5-ans-fixe","tag-croissance","tag-five-year-fixed","tag-frais-dinteret","tag-housing-market","tag-lachat-dune-propriete","tag-mls","tag-mortgage-rate","tag-news","tag-taux-hypothecaire"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.olgaouspenski.net\/blogwp1\/wp-content\/uploads\/2014\/06\/CMHCSCHL.png?fit=577%2C403&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1UEHj-IM","_links":{"self":[{"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/posts\/2776","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/comments?post=2776"}],"version-history":[{"count":8,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/posts\/2776\/revisions"}],"predecessor-version":[{"id":2784,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/posts\/2776\/revisions\/2784"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/media\/2332"}],"wp:attachment":[{"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/media?parent=2776"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/categories?post=2776"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.olgaouspenski.net\/blogwp1\/wp-json\/wp\/v2\/tags?post=2776"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}