{"id":15205,"date":"2023-10-05T13:22:01","date_gmt":"2023-10-05T13:22:01","guid":{"rendered":"https:\/\/margill.com\/fr\/?p=15205"},"modified":"2026-01-27T10:20:18","modified_gmt":"2026-01-27T15:20:18","slug":"un-gouffre-sans-fin-rembourser-un-pret-hypothecaire-pour-le-reste-de-sa-vie","status":"publish","type":"post","link":"https:\/\/margill.com\/fr\/un-gouffre-sans-fin-rembourser-un-pret-hypothecaire-pour-le-reste-de-sa-vie\/","title":{"rendered":"\u00ab Un gouffre sans fin \u00bb : rembourser un pr\u00eat hypoth\u00e9caire pour le reste de sa vie"},"content":{"rendered":"<p>Environ 20\u00a0% des pr\u00eats hypoth\u00e9caires des banques TD, BMO et CIBC sont en situation d&rsquo;amortissement n\u00e9gatif.<\/p>\n<p>Qu\u2019est-ce qu\u2019un amortissement n\u00e9gatif ? Si vous avez un pr\u00eat hypoth\u00e9caire \u00e0 taux variable avec un montant fixe \u00e0 rembourser chaque mois et que ce paiement mensuel ne couvre plus l\u2019enti\u00e8ret\u00e9 des int\u00e9r\u00eats, vous \u00eates d\u00e9sormais en situation d\u2019amortissement n\u00e9gatif. R\u00e8gle g\u00e9n\u00e9rale, votre banque ajoutera les int\u00e9r\u00eats impay\u00e9s au solde de votre hypoth\u00e8que, ce qui fera augmenter votre dette de mois en mois.<\/p>\n<p>Prenez quelques minutes pour lire <a href=\"https:\/\/ici.radio-canada.ca\/nouvelle\/2015249\/pret-hypothecaire-amortissement-negatif-banque\" target=\"_blank\" rel=\"noopener\">l&rsquo;article de Philippe de Montigny sur le site de Radio-Canada<\/a> et les cons\u00e9quences sur les pr\u00eats hypoth\u00e9caires suite \u00e0 la hausse fulgurante des taux d\u2019int\u00e9r\u00eat en un an et demi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Environ 20\u00a0% des pr\u00eats hypoth\u00e9caires des banques TD, BMO et CIBC sont en situation d&rsquo;amortissement n\u00e9gatif. Qu\u2019est-ce qu\u2019un amortissement n\u00e9gatif ? Si vous avez un pr\u00eat hypoth\u00e9caire \u00e0 taux variable avec un montant fixe \u00e0 rembourser chaque mois et que ce paiement mensuel ne couvre plus l\u2019enti\u00e8ret\u00e9 des int\u00e9r\u00eats, vous \u00eates d\u00e9sormais en situation d\u2019amortissement [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"articles-fr","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[422],"tags":[],"class_list":["post-15205","post","type-post","status-publish","format-standard","hentry","category-margill-et-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>\u00ab Un gouffre sans fin \u00bb : rembourser un pr\u00eat hypoth\u00e9caire pour le reste de sa vie - Margill<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/margill.com\/fr\/un-gouffre-sans-fin-rembourser-un-pret-hypothecaire-pour-le-reste-de-sa-vie\/\" \/>\r\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"\u00ab Un gouffre sans fin \u00bb : rembourser un pr\u00eat hypoth\u00e9caire pour le reste de sa vie - Margill\" \/>\r\n<meta property=\"og:description\" content=\"Environ 20\u00a0% des pr\u00eats hypoth\u00e9caires des banques TD, BMO et CIBC sont en situation d&rsquo;amortissement n\u00e9gatif. 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Si vous avez un pr\u00eat hypoth\u00e9caire \u00e0 taux variable avec un montant fixe \u00e0 rembourser chaque mois et que ce paiement mensuel ne couvre plus l\u2019enti\u00e8ret\u00e9 des int\u00e9r\u00eats, vous \u00eates d\u00e9sormais en situation d\u2019amortissement [&hellip;]\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/margill.com\/fr\/un-gouffre-sans-fin-rembourser-un-pret-hypothecaire-pour-le-reste-de-sa-vie\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Margill\" \/>\r\n<meta property=\"article:published_time\" content=\"2023-10-05T13:22:01+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2026-01-27T15:20:18+00:00\" \/>\r\n<meta name=\"author\" content=\"Kim Ouellette\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kim Ouellette\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/margill.com\\\/fr\\\/un-gouffre-sans-fin-rembourser-un-pret-hypothecaire-pour-le-reste-de-sa-vie\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/margill.com\\\/fr\\\/un-gouffre-sans-fin-rembourser-un-pret-hypothecaire-pour-le-reste-de-sa-vie\\\/\"},\"author\":{\"name\":\"Kim Ouellette\",\"@id\":\"https:\\\/\\\/margill.com\\\/fr\\\/#\\\/schema\\\/person\\\/fb5fb76af498fd0e71cd304825c2c777\"},\"headline\":\"\u00ab Un gouffre sans fin \u00bb : rembourser un pr\u00eat hypoth\u00e9caire pour le reste de sa vie\",\"datePublished\":\"2023-10-05T13:22:01+00:00\",\"dateModified\":\"2026-01-27T15:20:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/margill.com\\\/fr\\\/un-gouffre-sans-fin-rembourser-un-pret-hypothecaire-pour-le-reste-de-sa-vie\\\/\"},\"wordCount\":155,\"articleSection\":[\"Margill et Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/margill.com\\\/fr\\\/un-gouffre-sans-fin-rembourser-un-pret-hypothecaire-pour-le-reste-de-sa-vie\\\/\",\"url\":\"https:\\\/\\\/margill.com\\\/fr\\\/un-gouffre-sans-fin-rembourser-un-pret-hypothecaire-pour-le-reste-de-sa-vie\\\/\",\"name\":\"\u00ab Un gouffre sans fin \u00bb : rembourser un pr\u00eat hypoth\u00e9caire pour le reste de sa vie - 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