{"id":1081,"date":"2026-07-25T15:43:33","date_gmt":"2026-07-25T19:43:33","guid":{"rendered":"https:\/\/structure.virtualgx.com\/?p=1081"},"modified":"2026-09-15T11:32:07","modified_gmt":"2026-09-15T15:32:07","slug":"obtenir-une-hypotheque-quand-le-revenu-personnel-ne-reflete-pas-les-gains-reels","status":"publish","type":"post","link":"https:\/\/structure.virtualgx.com\/fr\/qualifying-a-corporation-funded-life-with-the-right-lender\/","title":{"rendered":"Obtenir une hypoth\u00e8que quand le revenu personnel ne refl\u00e8te pas les gains r\u00e9els."},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1081\" class=\"elementor elementor-1081\" 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\">Le client \u00e9tait propri\u00e9taire d'une entreprise incorpor\u00e9e, avec de vrais revenus et un b\u00e9n\u00e9fice net constant. Selon toute lecture honn\u00eate de sa situation financi\u00e8re, il avait les moyens de la maison qu'il voulait acheter.<\/p><p dir=\"ltr\">Le probl\u00e8me, c'est qu'il ne se versait pas de salaire important, et c'\u00e9tait voulu. L'argent restait dans la soci\u00e9t\u00e9, o\u00f9 il \u00e9tait r\u00e9investi dans l'entreprise et trait\u00e9 plus efficacement sur le plan fiscal. Son revenu personnel d\u00e9clar\u00e9 \u00e9tait modeste, bien en de\u00e7\u00e0 de ce \u00e0 quoi ressemblait vraiment sa vie financi\u00e8re.<\/p><p dir=\"ltr\">Il avait d\u00e9j\u00e0 parl\u00e9 \u00e0 quelques pr\u00eateurs et re\u00e7u chaque fois la m\u00eame r\u00e9ponse. Le revenu personnel de ses d\u00e9clarations de revenus n'\u00e9tait pas assez \u00e9lev\u00e9 pour l'hypoth\u00e8que demand\u00e9e. La conversation butait toujours sur le m\u00eame mur, m\u00eame si l'argent pour soutenir l'hypoth\u00e8que existait clairement\u00a0: il se trouvait simplement dans la soci\u00e9t\u00e9 plut\u00f4t que dans ses comptes personnels.<\/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\">Les pr\u00eateurs lisaient le dossier exactement comme leurs lignes directrices l'exigeaient. Dans la souscription hypoth\u00e9caire canadienne standard, le revenu personnel se lit sur les d\u00e9clarations T1. S'il ne figure pas sur la d\u00e9claration, il n'est pas admissible, peu importe o\u00f9 il existe par ailleurs.<\/p><p dir=\"ltr\">Le pr\u00eat conventionnel n'est pas la seule option. Il existe une cat\u00e9gorie de pr\u00eateurs, g\u00e9n\u00e9ralement appel\u00e9s pr\u00eateurs alternatifs ou pr\u00eateurs B, qui \u00e9valuent autrement. Pour les propri\u00e9taires d'une soci\u00e9t\u00e9 par actions, cela peut vouloir dire examiner douze mois de relev\u00e9s bancaires de l'entreprise pour \u00e9valuer les flux de tr\u00e9sorerie r\u00e9els, analyser directement le b\u00e9n\u00e9fice net de la soci\u00e9t\u00e9, ou b\u00e2tir un revenu admissible \u00e0 partir d'une combinaison de sources personnelles et corporatives qui refl\u00e8te plus fid\u00e8lement ce que l'emprunteur gagne vraiment.<\/p><p dir=\"ltr\">Les pr\u00eateurs alternatifs co\u00fbtent plus cher, g\u00e9n\u00e9ralement une prime d'un demi-point \u00e0 un point de pourcentage au-dessus des taux conventionnels, selon le dossier. Ils examinent les dossiers avec plus de souplesse parce qu'ils acceptent de lire le revenu d'une fa\u00e7on que les grandes banques refusent.<\/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\">Nous avons plac\u00e9 le dossier chez un pr\u00eateur alternatif dont le programme pouvait \u00e9valuer la force de la soci\u00e9t\u00e9 plut\u00f4t que la seule d\u00e9claration personnelle. Nous avons mont\u00e9 le dossier comme ce pr\u00eateur avait besoin de le voir\u00a0: douze mois de relev\u00e9s bancaires de la soci\u00e9t\u00e9, ses \u00e9tats financiers, et un portrait clair de la relation entre l'entreprise et les finances personnelles de l'emprunteur.<\/p><p dir=\"ltr\">L'admissibilit\u00e9 a \u00e9t\u00e9 accord\u00e9e. L'hypoth\u00e8que a \u00e9t\u00e9 structur\u00e9e au taux du pr\u00eateur alternatif, avec, d\u00e8s le d\u00e9part, l'id\u00e9e que ce serait probablement un tremplin. Dans deux ou trois ans, le client pourrait soit restructurer sa r\u00e9mun\u00e9ration pour \u00eatre admissible chez un pr\u00eateur conventionnel, soit voir son revenu personnel cro\u00eetre naturellement \u00e0 mesure que l'entreprise continue de bien faire. \u00c0 ce moment, nous d\u00e9placerions le dossier chez un pr\u00eateur conventionnel, \u00e0 moindre co\u00fbt.<\/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<div role=\"feed\" aria-label=\"Messages de chat\" aria-describedby=\"_r_18e_\"><div><div><div tabindex=\"0\" role=\"article\" aria-setsize=\"458\" aria-posinset=\"458\" aria-label=\"Message n\u00b0 458 sur 458\"><div><div><div><div><div><div><p dir=\"ltr\">Le client a achet\u00e9 la maison. L'hypoth\u00e8que est port\u00e9e confortablement \u00e0 m\u00eame le revenu que g\u00e9n\u00e8re la soci\u00e9t\u00e9, structur\u00e9e comme elle l'a toujours \u00e9t\u00e9. Le taux d'int\u00e9r\u00eat plus \u00e9lev\u00e9 est un co\u00fbt suppl\u00e9mentaire, mais c'est un co\u00fbt pay\u00e9 pour une maison qui, autrement, n'aurait pas \u00e9t\u00e9 accessible. Le plan est de passer \u00e0 un pr\u00eateur conventionnel dans deux \u00e0 trois ans.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\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 dir=\"ltr\">Quand une grande banque vous dit que vous n'\u00eates pas admissible, elle veut souvent dire que vous n'\u00eates pas admissible selon ses lignes directrices \u00e0 elle. Ce n'est pas la m\u00eame chose que \u00ab\u00a0vous n'avez pas les moyens\u00a0\u00bb. Pour les propri\u00e9taires d'une soci\u00e9t\u00e9 par actions et les autres clients dont la force financi\u00e8re n'appara\u00eet pas clairement sur une d\u00e9claration T1, cette distinction fait toute la diff\u00e9rence.<\/p><p dir=\"ltr\">Le march\u00e9 des pr\u00eateurs alternatifs existe exactement pour ce genre de dossier. Il co\u00fbte plus cher, et \u00eatre franc avec le client sur ce co\u00fbt d\u00e8s le d\u00e9part fait partie du travail. Bien fait, un placement chez un pr\u00eateur alternatif est une structure d\u00e9lib\u00e9r\u00e9e et limit\u00e9e dans le temps\u00a0: obtenir au client ce dont il a besoin maintenant, avec une voie planifi\u00e9e vers une hypoth\u00e8que moins co\u00fbteuse une fois que le portrait d'admissibilit\u00e9 le permet.<\/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>An incorporated business owner with strong corporate cash flow but modest<br \/>\npersonal declared income. An alternative-lender placement structured as a stepping<br \/>\nstone, with a planned move to conventional pricing later.<\/p>","protected":false},"author":1,"featured_media":1343,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-1081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-self-employed-professionals-and-business-owners"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qualifying a mortgage when personal income does not reflect actual earnings. - Structure Mortgage \/ Hypoth\u00e9caire<\/title>\n<meta name=\"description\" content=\"A corporation funded life, qualified with the right lender: retained earnings read as the income they really are.\" \/>\n<meta name=\"robots\" content=\"noindex, 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