{"id":1144,"date":"2026-07-28T09:38:15","date_gmt":"2026-07-28T13:38:15","guid":{"rendered":"https:\/\/structure.virtualgx.com\/?p=1144"},"modified":"2026-09-15T11:59:35","modified_gmt":"2026-09-15T15:59:35","slug":"restructurer-une-hypotheque-dans-le-cadre-d-un-reglement-de-divorce","status":"publish","type":"post","link":"https:\/\/structure.virtualgx.com\/fr\/restructuring-a-mortgage-during-divorce-settlement\/","title":{"rendered":"Restructurer une hypoth\u00e8que dans le cadre d'un r\u00e8glement de divorce."},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1144\" class=\"elementor elementor-1144\" 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\">La cliente est venue nous voir en pleine finalisation d'une entente de s\u00e9paration. La question ouverte \u00e9tait la maison familiale\u00a0: pouvait-elle se permettre de la garder et de racheter la part de son ex-conjoint? Il lui fallait de vrais chiffres avant que quoi que ce soit soit finalis\u00e9 avec son avocat.<\/p><p dir=\"ltr\">Elle avait d\u00e9j\u00e0 parl\u00e9 \u00e0 son pr\u00eateur actuel, qui lui avait dit qu'il lui faudrait une mise de fonds de vingt pour cent pour compl\u00e9ter le rachat. La cliente avait accept\u00e9 cette r\u00e9ponse et travaillait \u00e0 rebours \u00e0 partir d'elle, en essayant de d\u00e9terminer quelle dette elle pouvait porter et si les chiffres tenaient seulement. Le pr\u00eateur n'avait pas tort, \u00e0 proprement parler. Il r\u00e9pondait \u00e0 la question telle qu'elle avait \u00e9t\u00e9 pos\u00e9e, sans savoir qu'elle pouvait \u00eatre pos\u00e9e autrement.<\/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\">La r\u00e9ponse \u00ab\u00a0vingt pour cent\u00a0\u00bb du pr\u00eateur reposait sur le traitement du rachat comme un refinancement conventionnel, ce qui est le cadre par d\u00e9faut. Ce n'\u00e9tait pas le bon cadre pour cette situation.<\/p><p dir=\"ltr\">Il existe au Canada des programmes hypoth\u00e9caires con\u00e7us pr\u00e9cis\u00e9ment pour la s\u00e9paration et le divorce, des programmes qui traitent le client qui rach\u00e8te la part de son ex-conjoint comme un nouvel acheteur, admissible aux conditions d'un pr\u00eat hypoth\u00e9caire assur\u00e9. Mise de fonds minimale plut\u00f4t que vingt pour cent, et crit\u00e8res d'admissibilit\u00e9 plus souples. Personne n'avait dit \u00e0 la cliente que ces programmes existaient. C'est le cas de la plupart des clients.<\/p><p dir=\"ltr\">Une fois le dossier repris sous l'angle du pr\u00eat hypoth\u00e9caire assur\u00e9, les chiffres ont chang\u00e9 consid\u00e9rablement. La mise de fonds exig\u00e9e est tomb\u00e9e au minimum du pr\u00eat assur\u00e9. Le capital ainsi lib\u00e9r\u00e9 suffisait \u00e0 couvrir les dettes pr\u00e9vues par l'entente de s\u00e9paration, avec des liquidit\u00e9s en r\u00e9serve.<\/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 requalifi\u00e9 la cliente dans le produit hypoth\u00e9caire assur\u00e9 et nous avons travaill\u00e9 avec son conseiller juridique pour que la structure s'int\u00e8gre proprement \u00e0 l'entente de s\u00e9paration. Nous lui avons aussi pr\u00e9sent\u00e9 le portrait complet de ses liquidit\u00e9s, pour qu'elle comprenne \u00e0 quoi ressembleraient vraiment ses finances apr\u00e8s la cl\u00f4ture\u00a0: pas seulement ce \u00e0 quoi elle \u00e9tait admissible, mais ce qu'elle pouvait porter confortablement.<\/p><p dir=\"ltr\">La d\u00e9cision structurelle \u00e9tait simple une fois le bon programme rep\u00e9r\u00e9. Le travail le plus important consistait \u00e0 s'assurer que la cliente comprenne pleinement chaque \u00e9l\u00e9ment avant de signer quoi que ce soit de juridiquement contraignant avec son ex-conjoint.<\/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\">La cliente a gard\u00e9 la maison et rembours\u00e9 les dettes pr\u00e9vues par l'entente de s\u00e9paration. Il lui restait des liquidit\u00e9s. Les enfants sont rest\u00e9s dans leur \u00e9cole, dans leurs chambres, dans le quartier qu'ils connaissaient.<\/p><p dir=\"ltr\">Le r\u00e8glement a \u00e9t\u00e9 conclu selon l'\u00e9ch\u00e9ancier convenu, sans d\u00e9m\u00e9nagement forc\u00e9, sans course \u00e0 l'argent, et sans le bouleversement financier qui semblait in\u00e9vitable quand elle est venue nous voir la premi\u00e8re fois.<\/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>L'essentiel des dommages financiers dans les cas de s\u00e9paration ne vient pas du divorce lui-m\u00eame, mais des d\u00e9cisions que prennent les clients sur une information incompl\u00e8te. Accepter la premi\u00e8re r\u00e9ponse re\u00e7ue, supposer que le seul produit disponible est le produit conventionnel, prendre conseil aupr\u00e8s de gens dont les int\u00e9r\u00eats ne sont pas align\u00e9s sur les leurs.<\/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-b21f6ad e-flex e-con-boxed e-con e-parent\" data-id=\"b21f6ad\" 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-59c7b81 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"59c7b81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9060c1f elementor-widget elementor-widget-heading\" data-id=\"9060c1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Un divorce ne devrait pas \u00eatre une crise financi\u00e8re. Ce devrait \u00eatre le d\u00e9but du prochain chapitre, avec une structure qui le soutient.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e3d191 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6e3d191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\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>\u00c0 une cliente en instance de divorce, on avait dit qu'il lui fallait une mise de fonds de vingt pour cent pour racheter la part de son ex-conjoint. Nous l'avons requalifi\u00e9e dans un programme hypoth\u00e9caire assur\u00e9 con\u00e7u pr\u00e9cis\u00e9ment pour la s\u00e9paration et le divorce. Elle a gard\u00e9 la maison familiale, r\u00e9gl\u00e9 les dettes et gard\u00e9 ses enfants dans leur \u00e9cole.<\/p>","protected":false},"author":1,"featured_media":1342,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25],"tags":[],"class_list":["post-1144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clients-experiencing-a-life-changing-event"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Restructuring a mortgage during divorce settlement. - Structure Mortgage \/ Hypoth\u00e9caire<\/title>\n<meta name=\"description\" content=\"Restructuring a mortgage through a divorce settlement: keeping the home, settling fairly, and qualifying on one income.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, 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