{"id":986,"date":"2026-07-20T14:59:31","date_gmt":"2026-07-20T18:59:31","guid":{"rendered":"https:\/\/structure.virtualgx.com\/?p=986"},"modified":"2026-09-15T11:02:55","modified_gmt":"2026-09-15T15:02:55","slug":"trouver-la-maison-qui-convient-au-budget-pas-seulement-a-l-admissibilite","status":"publish","type":"post","link":"https:\/\/structure.virtualgx.com\/fr\/finding-the-house-that-fits-the-budget-not-just-the-qualification\/","title":{"rendered":"Trouver la maison qui convient au budget, pas seulement \u00e0 l'admissibilit\u00e9."},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"986\" class=\"elementor elementor-986\" 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 \u00e9taient de premiers acheteurs, pr\u00e9autoris\u00e9s par un autre courtier pour une hypoth\u00e8que d'environ 750\u00a0000\u00a0$. Ils avaient utilis\u00e9 cette pr\u00e9autorisation pour faire une offre au sommet du montant approuv\u00e9, et l'offre avait \u00e9t\u00e9 accept\u00e9e. La transaction \u00e9tait d\u00e9j\u00e0 en cours quand ils sont venus nous voir.<\/p><p dir=\"ltr\">Quand nous nous sommes assis pour revoir le dossier, la pr\u00e9autorisation \u00e9tait r\u00e9elle et l'admissibilit\u00e9, l\u00e9gitime. Mais le montant d'admissibilit\u00e9 \u00e9tait le seul chiffre que quelqu'un leur avait expliqu\u00e9. Personne ne leur avait montr\u00e9 ce que la propri\u00e9t\u00e9 co\u00fbterait vraiment \u00e0 poss\u00e9der. Pas seulement le versement hypoth\u00e9caire, mais les taxes fonci\u00e8res, les services publics, l'assurance, l'entretien et les petites d\u00e9penses r\u00e9currentes qui s'additionnent chaque mois. Un b\u00e9b\u00e9 \u00e9tait aussi en route, ce qui voulait dire que le revenu du m\u00e9nage allait changer pendant le cong\u00e9 parental. Rien de tout cela n'avait \u00e9t\u00e9 pris en compte.<\/p><p dir=\"ltr\">Ils \u00e9taient admissibles \u00e0 la maison. Ils ne pouvaient pas y vivre confortablement.<\/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\">Quand nous avons mis le co\u00fbt complet de la propri\u00e9t\u00e9 en regard de leurs liquidit\u00e9s r\u00e9elles, en tenant compte du cong\u00e9 parental, des d\u00e9penses d'un nouveau-n\u00e9 et de leurs frais mensuels habituels, le portrait \u00e9tait assez clair. Les frais de logement de la propri\u00e9t\u00e9 qu'ils achetaient auraient absorb\u00e9 la majeure partie de leur revenu disponible, ne laissant presque rien pour le reste. Le probl\u00e8me n'\u00e9tait pas qu'ils n'\u00e9taient pas admissibles. C'est que le montant d'admissibilit\u00e9 avait \u00e9t\u00e9 trait\u00e9 comme une cible plut\u00f4t que comme un plafond.<\/p><p dir=\"ltr\">C'est l'une des erreurs les plus fr\u00e9quentes chez les premiers acheteurs, et c'est rarement leur faute. Le maximum qu'un pr\u00eateur approuvera et le maximum qu'un m\u00e9nage peut porter confortablement sont deux chiffres diff\u00e9rents. Personne ne leur avait expliqu\u00e9 cette distinction. La pr\u00e9autorisation avait fait l'inverse\u00a0: elle leur avait remis un maximum et les avait dirig\u00e9s vers des maisons \u00e0 ce niveau.<\/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 leur avons pr\u00e9sent\u00e9 l'analyse compl\u00e8te de leurs liquidit\u00e9s. Le but n'\u00e9tait pas de les dissuader d'acheter une maison, mais de nous assurer que la maison qu'ils ach\u00e8teraient, quelle qu'elle soit, serait une maison o\u00f9 ils auraient les moyens de vivre.<\/p><p dir=\"ltr\">Une fois qu'ils ont eu le portrait complet, ils ont pris la d\u00e9cision eux-m\u00eames. Ils se sont retir\u00e9s de la transaction. Notre r\u00f4le \u00e9tait de nous assurer qu'ils disposaient d'une information compl\u00e8te. La d\u00e9cision leur appartenait.<\/p><p dir=\"ltr\">Quelques mois plus tard, ils sont revenus. Ils avaient trouv\u00e9 une autre propri\u00e9t\u00e9, \u00e0 un prix plus bas, et nous avons repris le dossier, cette fois autour d'une structure qui convenait \u00e0 leur vie r\u00e9elle. L'hypoth\u00e8que tenait, les liquidit\u00e9s tenaient, et il restait de la place pour le b\u00e9b\u00e9, pour le cong\u00e9 parental et pour les d\u00e9penses impr\u00e9vues qui viennent avec une maison.<\/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\">Ils ont achet\u00e9 la deuxi\u00e8me propri\u00e9t\u00e9 et ont emm\u00e9nag\u00e9 avant l'arriv\u00e9e du b\u00e9b\u00e9. Le versement hypoth\u00e9caire est confortable et leurs liquidit\u00e9s ont de la marge. Le nouveau-n\u00e9 est arriv\u00e9 dans un m\u00e9nage qui n'\u00e9tait pas sous pression financi\u00e8re.<\/p><p dir=\"ltr\">La premi\u00e8re propri\u00e9t\u00e9 n'\u00e9tait pas une mauvaise maison. Ce n'\u00e9tait simplement pas la bonne pour la vie qu'ils s'appr\u00eataient \u00e0 vivre.<\/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>Le chiffre le plus sous-estim\u00e9 dans une conversation avec de premiers acheteurs, ce sont les liquidit\u00e9s. La plupart des premiers acheteurs se concentrent sur le prix d'achat et la mise de fonds. Les questions qu'ils devraient poser portent sur ce que la maison co\u00fbte \u00e0 habiter, chaque mois, pendant les ann\u00e9es o\u00f9 ils la poss\u00e9deront.<\/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>A first-time buyer couple pre-approved at $750k by another broker, with a baby on<br \/>\nthe way and a critical gap between qualification and actual cash flow.<\/p>","protected":false},"author":1,"featured_media":1347,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-986","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>Finding the house that fits 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