{"id":1013,"date":"2026-07-22T15:12:45","date_gmt":"2026-07-22T19:12:45","guid":{"rendered":"https:\/\/structure.virtualgx.com\/?p=1013"},"modified":"2026-09-15T11:18:06","modified_gmt":"2026-09-15T15:18:06","slug":"faire-entrer-les-parents-dans-la-conversation-comme-cosignataires","status":"publish","type":"post","link":"https:\/\/structure.virtualgx.com\/fr\/bringing-parents-into-the-conversation-as-co-signers\/","title":{"rendered":"Faire entrer les parents dans la conversation comme cosignataires."},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1013\" class=\"elementor elementor-1013\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-daad701 e-flex e-con-boxed e-con e-parent\" data-id=\"daad701\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33bade4 elementor-widget elementor-widget-image-box\" data-id=\"33bade4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">La situation.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52460cd elementor-widget elementor-widget-text-editor\" data-id=\"52460cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Les clients formaient un couple qui achetait sa premi\u00e8re maison. Tous deux \u00e9taient au d\u00e9but de carri\u00e8res prometteuses, avec des revenus qui auraient une tout autre allure dans quelques ann\u00e9es, mais les pr\u00eateurs ne peuvent compter que ce qu'un emprunteur gagne aujourd'hui. Ils avaient fait leurs devoirs sur le budget du m\u00e9nage et savaient quel versement ils pouvaient porter confortablement. Le probl\u00e8me, c'est que le versement qu'ils pouvaient assumer d\u00e9passait ce \u00e0 quoi ils \u00e9taient admissibles pour l'instant.<\/p><p dir=\"ltr\">Le quartier qu'ils voulaient \u00e9tait juste au-del\u00e0 de ce que les chiffres d'admissibilit\u00e9 permettaient. Pas de beaucoup, mais assez. Ils avaient les moyens de la maison.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd4d88b e-flex e-con-boxed e-con e-parent\" data-id=\"cd4d88b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f12053 elementor-widget elementor-widget-image-box\" data-id=\"9f12053\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Ce que nous avons constat\u00e9.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-353b570 elementor-widget elementor-widget-text-editor\" data-id=\"353b570\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">L'\u00e9cart d'admissibilit\u00e9 n'\u00e9tait pas un probl\u00e8me de budget. C'\u00e9tait un probl\u00e8me de documentation. Le revenu qu'ils gagneraient dans les deux ou trois prochaines ann\u00e9es ne figurait encore sur aucune d\u00e9claration de revenus, et les pr\u00eateurs pr\u00eatent sur les talons de paie d'aujourd'hui, pas sur les trajectoires de carri\u00e8re.<\/p><p dir=\"ltr\">La structure qui convenait \u00e0 la situation \u00e9tait un cosignataire. En g\u00e9n\u00e9ral, un membre de la famille au revenu stable et au bon cr\u00e9dit, ajout\u00e9 \u00e0 l'hypoth\u00e8que et au titre de propri\u00e9t\u00e9 pour une p\u00e9riode d\u00e9finie, jusqu'\u00e0 ce que le revenu des emprunteurs principaux rattrape l'\u00e9cart.<\/p><p dir=\"ltr\" class=\"translation-block\">Les clients h\u00e9sitaient. Demander \u00e0 un membre de la famille de cosigner une hypoth\u00e8que, ce n'est pas comme emprunter de l'argent pour une mise de fonds. C'est un v\u00e9ritable engagement juridique, avec de v\u00e9ritables cons\u00e9quences, et ils ne savaient pas comment avoir cette conversation, ni m\u00eame s'ils devaient l'avoir. Nous leur avons recommand\u00e9 d'y r\u00e9fl\u00e9chir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a8c8a3 e-flex e-con-boxed e-con e-parent\" data-id=\"2a8c8a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e63c562 elementor-widget elementor-widget-image-box\" data-id=\"e63c562\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Ce que nous avons fait.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3c80de elementor-widget elementor-widget-text-editor\" data-id=\"b3c80de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">La demande elle-m\u00eame \u00e9tait simple. Le revenu et le cr\u00e9dit des cosignataires ont \u00e9t\u00e9 int\u00e9gr\u00e9s au dossier, le pr\u00eateur a qualifi\u00e9 l'ensemble du groupe d'emprunteurs, et les cosignataires ont \u00e9t\u00e9 ajout\u00e9s au titre avec une responsabilit\u00e9 solidaire pour l'hypoth\u00e8que.<\/p><p dir=\"ltr\">Nous avons tenu un appel avec les quatre ensemble et nous avons expliqu\u00e9 en d\u00e9tail ce qu'est une entente de cosignature. Les cosignataires seraient sur le titre et l\u00e9galement responsables de la dette. Leur cr\u00e9dit serait touch\u00e9 par le comportement de l'hypoth\u00e8que. Si les emprunteurs principaux faisaient d\u00e9faut, les cosignataires en r\u00e9pondraient.<\/p><p dir=\"ltr\">Puis nous avons pr\u00e9sent\u00e9 l'autre c\u00f4t\u00e9. Nous avons montr\u00e9 aux cosignataires le budget que le couple avait b\u00e2ti, ce qu'ils gagnaient actuellement et ce qu'ils pouvaient r\u00e9ellement porter. Nous avons expliqu\u00e9 que nous comptions les retirer de l'hypoth\u00e8que dans un an environ, une fois que le revenu des emprunteurs principaux aurait assez augment\u00e9 pour qu'ils soient admissibles seuls et qu'un refinancement devienne simple. L'entente de cosignature \u00e9tait un pont, pas un engagement \u00e0 long terme.<\/p><p dir=\"ltr\">Les parents ont \u00e9cout\u00e9, pos\u00e9 des questions et compris le risque. Ils ont aussi compris que ce risque leur \u00e9tait expliqu\u00e9 franchement par quelqu'un qui n'avait aucun int\u00e9r\u00eat \u00e0 ce qu'ils disent oui. Ils ont accept\u00e9 de cosigner sans h\u00e9siter.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b914cb7 e-flex e-con-boxed e-con e-parent\" data-id=\"b914cb7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb52032 elementor-widget elementor-widget-image-box\" data-id=\"fb52032\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Le d\u00e9nouement.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d247f5 elementor-widget elementor-widget-text-editor\" data-id=\"7d247f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\">Le dossier a cl\u00f4tur\u00e9 avec les cosignataires sur l'hypoth\u00e8que. Le couple a achet\u00e9 la maison qu'il voulait, dans le quartier qu'il voulait, avec un versement qu'il avait d\u00e9j\u00e0 prouv\u00e9 pouvoir porter. Environ un an plus tard, leurs revenus avaient assez augment\u00e9 pour que nous refinancions afin de retirer les parents. C'est nous qui avons fait ce refinancement. Ils ont \u00e9t\u00e9 retir\u00e9s de l'hypoth\u00e8que et du titre, selon l'\u00e9ch\u00e9ancier d\u00e9crit d\u00e8s le d\u00e9part.<\/p><p dir=\"ltr\">Le couple est maintenant propri\u00e9taire de la maison dans son propre dossier. L'entente s'est termin\u00e9e proprement, et la relation familiale n'a pas souffert de ce qui aurait pu \u00eatre une demande difficile.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34c2efb e-flex e-con-boxed e-con e-parent\" data-id=\"34c2efb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f65377 elementor-widget elementor-widget-image-box\" data-id=\"8f65377\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Ce que ce sc\u00e9nario illustre.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3750d28 elementor-widget elementor-widget-text-editor\" data-id=\"3750d28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Une entente de cosignature n'est pas un dernier recours. Bien utilis\u00e9e et expliqu\u00e9e franchement, c'est un pont qui am\u00e8ne les bons emprunteurs dans la bonne maison au bon moment, avec une voie claire pour voler de leurs propres ailes. Le plus difficile, c'est souvent la conversation avec la famille. D'apr\u00e8s notre exp\u00e9rience, quand les cosignataires re\u00e7oivent une information compl\u00e8te et franche, ils sont g\u00e9n\u00e9ralement pr\u00eats \u00e0 aider. Avoir quelqu'un pour vous accompagner dans cette conversation la rend plus facile.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Un couple aux carri\u00e8res prometteuses, mais dont le revenu restait sous celui du quartier vis\u00e9. Nous avons structur\u00e9 une cosignature avec un \u00e9ch\u00e9ancier clair de retrait. Ils ont achet\u00e9 la maison qu'ils voulaient, et les cosignataires \u00e9taient retir\u00e9s de l'hypoth\u00e8que en moins d'un an.<\/p>","protected":false},"author":1,"featured_media":1346,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-1013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-first-time-homebuyers"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bringing parents into the conversation as co-signers. - Structure Mortgage \/ Hypoth\u00e9caire<\/title>\n<meta name=\"description\" content=\"Bringing parents in as co-signers while protecting both generations: what the structure has to do for everyone who signs.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, 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