{"id":2919,"date":"2026-05-01T13:42:31","date_gmt":"2026-05-01T18:42:31","guid":{"rendered":"https:\/\/demandehypotheque.com\/simulateur-prequalification-hypothecaire\/"},"modified":"2026-05-01T13:44:00","modified_gmt":"2026-05-01T18:44:00","slug":"simulateur-prequalification-hypothecaire","status":"publish","type":"page","link":"https:\/\/demandehypotheque.com\/en\/simulateur-prequalification-hypothecaire\/","title":{"rendered":"Simulateur de Pr\u00e9qualification Hypoth\u00e9caire"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2919\" class=\"elementor elementor-2919 elementor-bc-flex-widget\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cta_top_section elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cta_top_section\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cta_top_col\" data-id=\"cta_top_col\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cta_top_widget elementor-widget elementor-widget-html\" data-id=\"cta_top_widget\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div style=\"text-align:center;color:#fff;max-width:700px;margin:0 auto;\">\n  <div style=\"font-size:13px;text-transform:uppercase;letter-spacing:2px;opacity:.8;margin-bottom:12px;font-family:Roboto,sans-serif;\">Service gratuit &bull; Sans engagement &bull; R&eacute;ponse en 24h<\/div>\n  <h1 style=\"font-size:2.2em;font-weight:900;margin:0 0 16px;font-family:Roboto,sans-serif;line-height:1.2;\">Obtenez votre pr&eacute;qualification<br>hypoth&eacute;caire d&egrave;s aujourd&rsquo;hui<\/h1>\n  <p style=\"font-size:16px;opacity:.9;margin:0 0 28px;line-height:1.6;font-family:Roboto,sans-serif;\">Utilisez le simulateur ci-dessous pour estimer votre capacit&eacute; d&rsquo;emprunt,<br>puis prenez rendez-vous avec un de nos courtiers pour maximiser vos chances d&rsquo;approbation.<\/p>\n  <a href=\"https:\/\/agenda.equipebeaulieu.com\/preapprobation-hypothecaire\" style=\"display:inline-block;background:#C4131D;color:#fff;padding:16px 36px;border-radius:4px;text-decoration:none;font-weight:700;font-size:16px;font-family:Roboto,sans-serif;text-transform:uppercase;letter-spacing:1px;transition:background .2s;\" onmouseover=\"this.style.background=&#039;#FFFFFF&#039;;this.style.color=&#039;#003DA5&#039;;\" onmouseout=\"this.style.background=&#039;#C4131D&#039;;this.style.color=&#039;#FFFFFF&#039;;\" target=\"_blank\" rel=\"noopener\">\n    &#128197; Prendre rendez-vous gratuit\n  <\/a>\n  <div style=\"margin-top:16px;font-size:13px;opacity:.7;font-family:Roboto,sans-serif;\">Ou utilisez le simulateur ci-dessous pour une estimation instantan&eacute;e<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-pq_section elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"pq_section\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-pq_col\" data-id=\"pq_col\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-pq_widget elementor-widget elementor-widget-html\" data-id=\"pq_widget\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<style>\n.pq-wrap{max-width:720px;margin:0 auto;font-family:Roboto,sans-serif}\n.pq-card{background:#fff;border-radius:8px;box-shadow:0 2px 20px rgba(0,0,0,.1);padding:32px}\n.pq-title{color:#003DA5;font-size:1.9em;font-weight:900;text-align:center;margin-bottom:8px}\n.pq-sub{text-align:center;color:#666;margin-bottom:28px;font-size:15px;line-height:1.5}\n.pq-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}\n@media(max-width:580px){.pq-grid{grid-template-columns:1fr}}\n.pq-field label{display:block;font-weight:600;color:#333;margin-bottom:5px;font-size:14px}\n.pq-field input,.pq-field select{width:100%;padding:12px;border:1px solid #ddd;border-radius:4px;font-size:16px;box-sizing:border-box;color:#333}\n.pq-field input:focus,.pq-field select:focus{border-color:#003DA5;outline:none}\n.pq-field .hint{font-size:12px;color:#888;margin-top:4px}\n.pq-info{background:#EEF3FB;border-left:4px solid #003DA5;border-radius:4px;padding:14px 16px;margin-bottom:22px;font-size:13px;color:#444;line-height:1.6}\n.pq-btn{width:100%;padding:16px;background:#C4131D;color:#fff;border:none;border-radius:4px;font-size:17px;font-weight:700;cursor:pointer;text-transform:uppercase;letter-spacing:1px;margin-top:8px}\n.pq-btn:hover{background:#003DA5}\n.pq-results{display:none;margin-top:24px}\n.pq-results.show{display:block}\n.pq-hero{background:#003DA5;border-radius:8px;padding:24px;color:#fff;text-align:center;margin-bottom:16px}\n.pq-hero-label{font-size:13px;opacity:.85;text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px}\n.pq-hero-amount{font-size:2.8em;font-weight:900;margin-bottom:4px}\n.pq-hero-sub{font-size:14px;opacity:.8}\n.pq-metrics{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;margin-bottom:16px}\n@media(max-width:580px){.pq-metrics{grid-template-columns:1fr}}\n.pq-metric{background:#F8F9FA;border-radius:6px;padding:14px;text-align:center;border:1px solid #E9ECEF}\n.pq-metric-label{font-size:12px;color:#666;margin-bottom:4px;text-transform:uppercase;letter-spacing:.3px}\n.pq-metric-value{font-size:18px;font-weight:700;color:#003DA5}\n.pq-metric-status{font-size:11px;margin-top:3px;font-weight:600}\n.status-ok{color:#28A745}\n.status-warn{color:#FFC107}\n.status-bad{color:#DC3545}\n.pq-notice{border-radius:6px;padding:14px 16px;font-size:13px;line-height:1.6;margin-bottom:16px}\n.pq-notice.green{background:#D4EDDA;border-left:4px solid #28A745;color:#155724}\n.pq-notice.yellow{background:#FFF3CD;border-left:4px solid #FFC107;color:#856404}\n.pq-notice.red{background:#F8D7DA;border-left:4px solid #DC3545;color:#721C24}\n.pq-cta{background:#003DA5;border-radius:8px;padding:20px;color:#fff;text-align:center}\n.pq-cta p{margin:0 0 14px;font-size:15px;line-height:1.5}\n.pq-cta a{display:inline-block;background:#C4131D;color:#fff;padding:12px 28px;border-radius:4px;text-decoration:none;font-weight:700;font-size:15px}\n.pq-cta a:hover{background:#fff;color:#003DA5}\n.pq-disclaimer{font-size:11px;color:#999;text-align:center;margin-top:16px;line-height:1.5}\n.stress-badge{background:#EEF3FB;border-radius:4px;padding:4px 10px;font-size:12px;color:#003DA5;font-weight:600;display:inline-block;margin-top:4px}\n<\/style>\n\n<div class=\"pq-wrap\">\n  <div class=\"pq-card\">\n    <div class=\"pq-title\">Simulateur de Pr\u00e9qualification<\/div>\n    <div class=\"pq-sub\">Estimez en 30 secondes le montant hypoth\u00e9caire auquel vous pourriez avoir droit selon les crit\u00e8res bancaires canadiens.<\/div>\n\n    <div class=\"pq-info\">\n      <strong>Comment ca fonctionne :<\/strong> Les banques utilisent deux ratios \u2014 le <strong>ABD<\/strong> (Amortissement brut de la dette, max 39%) et l'<strong>ATD<\/strong> (Amortissement total de la dette, max 44%) \u2014 pour calculer votre capacit\u00e9 d'emprunt. Le <strong>test de r\u00e9sistance<\/strong> s'applique au taux le plus \u00e9lev\u00e9 entre 5.25% et votre taux + 2%.\n    <\/div>\n\n    <div class=\"pq-grid\">\n      <div class=\"pq-field\">\n        <label>Revenu annuel brut combin\u00e9 ($)<\/label>\n        <input type=\"number\" id=\"pq_income\" value=\"80000\" min=\"0\" step=\"1000\">\n        <div class=\"hint\">Incluez tous les revenus (salaire, revenus locatifs, etc.)<\/div>\n      <\/div>\n      <div class=\"pq-field\">\n        <label>Dettes mensuelles ($)<\/label>\n        <input type=\"number\" id=\"pq_debts\" value=\"400\" min=\"0\" step=\"50\">\n        <div class=\"hint\">Auto, pr\u00eats personnels, cartes de cr\u00e9dit (min. mensuel)<\/div>\n      <\/div>\n    <\/div>\n    <div class=\"pq-grid\">\n      <div class=\"pq-field\">\n        <label>Mise de fonds disponible ($)<\/label>\n        <input type=\"number\" id=\"pq_down\" value=\"50000\" min=\"0\" step=\"1000\">\n      <\/div>\n      <div class=\"pq-field\">\n        <label>Taux hypoth\u00e9caire estim\u00e9 (%)<\/label>\n        <input type=\"number\" id=\"pq_rate\" value=\"5.09\" min=\"0.5\" max=\"20\" step=\"0.01\">\n        <div class=\"hint\">Taux actuel du march\u00e9 \u2014 nous pouvons n\u00e9gocier pour vous<\/div>\n      <\/div>\n    <\/div>\n    <div class=\"pq-grid\">\n      <div class=\"pq-field\">\n        <label>Amortissement<\/label>\n        <select id=\"pq_amort\">\n          <option value=\"25\" selected>25 ans<\/option>\n          <option value=\"30\">30 ans<\/option>\n          <option value=\"20\">20 ans<\/option>\n        <\/select>\n      <\/div>\n      <div class=\"pq-field\">\n        <label>Taxes fonci\u00e8res estim\u00e9es ($\/an)<\/label>\n        <input type=\"number\" id=\"pq_tax\" value=\"3600\" min=\"0\" step=\"100\">\n        <div class=\"hint\">Environ 3 600$ \u00e0 5 000$\/an selon la r\u00e9gion<\/div>\n      <\/div>\n    <\/div>\n\n    <button class=\"pq-btn\" onclick=\"calculatePrequal()\">Calculer ma pr\u00e9qualification<\/button>\n\n    <div class=\"pq-results\" id=\"pq_results\">\n      <div class=\"pq-hero\">\n        <div class=\"pq-hero-label\">Pr\u00eat hypoth\u00e9caire maximum estim\u00e9<\/div>\n        <div class=\"pq-hero-amount\" id=\"pq_max_mortgage\">\u2014<\/div>\n        <div class=\"pq-hero-sub\">Prix d'achat max : <strong id=\"pq_max_price\">\u2014<\/strong><\/div>\n      <\/div>\n\n      <div class=\"pq-metrics\">\n        <div class=\"pq-metric\">\n          <div class=\"pq-metric-label\">Paiement mensuel<\/div>\n          <div class=\"pq-metric-value\" id=\"pq_payment\">\u2014<\/div>\n          <div class=\"pq-metric-status\" id=\"pq_payment_status\"><\/div>\n        <\/div>\n        <div class=\"pq-metric\">\n          <div class=\"pq-metric-label\">Ratio ABD<\/div>\n          <div class=\"pq-metric-value\" id=\"pq_gds\">\u2014<\/div>\n          <div class=\"pq-metric-status\" id=\"pq_gds_status\"><\/div>\n        <\/div>\n        <div class=\"pq-metric\">\n          <div class=\"pq-metric-label\">Ratio ATD<\/div>\n          <div class=\"pq-metric-value\" id=\"pq_tds\">\u2014<\/div>\n          <div class=\"pq-metric-status\" id=\"pq_tds_status\"><\/div>\n        <\/div>\n      <\/div>\n\n      <div id=\"pq_notice\" class=\"pq-notice green\"><\/div>\n\n      <div class=\"pq-cta\">\n        <p>Ce simulateur donne une <strong>estimation indicative<\/strong>. Nos courtiers analysent votre dossier complet pour maximiser votre capacit\u00e9 d'emprunt et n\u00e9gocier le meilleur taux.<\/p>\n        <a href=\"https:\/\/agenda.equipebeaulieu.com\/preapprobation-hypothecaire\" target=\"_blank\" rel=\"noopener\">Prendre rendez-vous gratuit<\/a>\n      <\/div>\n\n      <div class=\"pq-disclaimer\">\n        * Estimation bas\u00e9e sur les ratios ABD\/ATD et le test de r\u00e9sistance canadien. Les r\u00e9sultats r\u00e9els peuvent varier selon votre dossier de cr\u00e9dit, la nature de vos revenus et les crit\u00e8res sp\u00e9cifiques de chaque institution financi\u00e8re. Ce simulateur ne constitue pas une approbation de cr\u00e9dit.\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\nfunction fmt(n){return '$'+Math.round(n).toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,' ');}\nfunction fmtPct(n){return n.toFixed(1)+'%';}\n\nfunction calculatePrequal(){\n  var income=parseFloat(document.getElementById('pq_income').value)||0;\n  var debts=parseFloat(document.getElementById('pq_debts').value)||0;\n  var down=parseFloat(document.getElementById('pq_down').value)||0;\n  var rate=parseFloat(document.getElementById('pq_rate').value)||0;\n  var years=parseInt(document.getElementById('pq_amort').value)||25;\n  var annualTax=parseFloat(document.getElementById('pq_tax').value)||3600;\n\n  if(income<=0){alert('Veuillez entrer un revenu valide.');return;}\n\n  var monthlyIncome=income\/12;\n  var monthlyTax=annualTax\/12;\n  var heating=150; \/\/ estimation standard\n\n  \/\/ Stress test rate\n  var stressRate=Math.max(5.25,rate+2);\n\n  \/\/ Canada semi-annual compounding\n  var effAnnual=Math.pow(1+(stressRate\/100)\/2,2)-1;\n  var periodicRate=Math.pow(1+effAnnual,1\/12)-1;\n  var n=years*12;\n\n  \/\/ Max mortgage from GDS (39%): P + tax + heating <= 0.39 * monthlyIncome\n  var maxPITH_GDS=0.39*monthlyIncome;\n  var maxPayment_GDS=maxPITH_GDS-monthlyTax-heating;\n\n  \/\/ Max mortgage from TDS (44%): P + tax + heating + debts <= 0.44 * monthlyIncome\n  var maxPITH_TDS=0.44*monthlyIncome-debts;\n  var maxPayment_TDS=maxPITH_TDS-monthlyTax-heating;\n\n  var maxPayment=Math.min(maxPayment_GDS,maxPayment_TDS);\n\n  if(maxPayment<=0){\n    document.getElementById('pq_notice').className='pq-notice red';\n    document.getElementById('pq_notice').innerHTML='<strong>Capacit\u00e9 d'emprunt insuffisante.<\/strong> Vos dettes actuelles et charges d\u00e9passent les ratios permis. Nos courtiers peuvent vous aider \u00e0 explorer des options (consolidation de dettes, co-emprunteur, etc.).';\n    document.getElementById('pq_results').classList.add('show');\n    document.getElementById('pq_max_mortgage').textContent='\u2014';\n    document.getElementById('pq_max_price').textContent='\u2014';\n    return;\n  }\n\n  \/\/ Max mortgage from payment\n  var maxMortgage=maxPayment*(Math.pow(1+periodicRate,n)-1)\/(periodicRate*Math.pow(1+periodicRate,n));\n\n  \/\/ Now calculate actual payment at CONTRACT rate (not stress test)\n  var effAnnualReal=Math.pow(1+(rate\/100)\/2,2)-1;\n  var periodicRateReal=Math.pow(1+effAnnualReal,1\/12)-1;\n  var actualPayment=maxMortgage*periodicRateReal*Math.pow(1+periodicRateReal,n)\/(Math.pow(1+periodicRateReal,n)-1);\n\n  var maxPrice=maxMortgage+down;\n\n  \/\/ Actual GDS and TDS\n  var gds=(actualPayment+monthlyTax+heating)\/monthlyIncome*100;\n  var tds=(actualPayment+monthlyTax+heating+debts)\/monthlyIncome*100;\n\n  \/\/ Update UI\n  document.getElementById('pq_max_mortgage').textContent=fmt(maxMortgage);\n  document.getElementById('pq_max_price').textContent=fmt(maxPrice);\n  document.getElementById('pq_payment').textContent=fmt(actualPayment)+'\/mois';\n\n  document.getElementById('pq_gds').textContent=fmtPct(gds)+' \/ 39%';\n  var gdsEl=document.getElementById('pq_gds_status');\n  gdsEl.textContent=gds<=32?'Excellent':gds<=39?'Acceptable':'\u00c9lev\u00e9';\n  gdsEl.className='pq-metric-status '+(gds<=32?'status-ok':gds<=39?'status-warn':'status-bad');\n\n  document.getElementById('pq_tds').textContent=fmtPct(tds)+' \/ 44%';\n  var tdsEl=document.getElementById('pq_tds_status');\n  tdsEl.textContent=tds<=36?'Excellent':tds<=44?'Acceptable':'\u00c9lev\u00e9';\n  tdsEl.className='pq-metric-status '+(tds<=36?'status-ok':tds<=44?'status-warn':'status-bad');\n\n  var noticeEl=document.getElementById('pq_notice');\n  var stressInfo='<span class=\"stress-badge\">Test de r\u00e9sistance : '+stressRate.toFixed(2)+'%<\/span>';\n  if(gds<=32&&tds<=36){\n    noticeEl.className='pq-notice green';\n    noticeEl.innerHTML='<strong>Excellent profil !<\/strong> Vos ratios sont bien en dessous des limites. Vous avez une forte capacit\u00e9 d'emprunt et de bonnes chances d'approbation. '+stressInfo;\n  }else if(gds<=39&&tds<=44){\n    noticeEl.className='pq-notice yellow';\n    noticeEl.innerHTML='<strong>Profil acceptable.<\/strong> Vos ratios respectent les limites mais sont pr\u00e8s des maximums. Nos courtiers peuvent optimiser votre dossier pour maximiser vos chances. '+stressInfo;\n  }else{\n    noticeEl.className='pq-notice red';\n    noticeEl.innerHTML='<strong>Attention \u2014 ratios \u00e9lev\u00e9s.<\/strong> Certains ratios d\u00e9passent les seuils habituels. Cela ne signifie pas un refus \u2014 diff\u00e9rentes institutions ont diff\u00e9rents crit\u00e8res. Contactez-nous pour analyser les options. '+stressInfo;\n  }\n\n  document.getElementById('pq_results').classList.add('show');\n}\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2919","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/demandehypotheque.com\/en\/wp-json\/wp\/v2\/pages\/2919","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demandehypotheque.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/demandehypotheque.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/demandehypotheque.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/demandehypotheque.com\/en\/wp-json\/wp\/v2\/comments?post=2919"}],"version-history":[{"count":1,"href":"https:\/\/demandehypotheque.com\/en\/wp-json\/wp\/v2\/pages\/2919\/revisions"}],"predecessor-version":[{"id":2921,"href":"https:\/\/demandehypotheque.com\/en\/wp-json\/wp\/v2\/pages\/2919\/revisions\/2921"}],"wp:attachment":[{"href":"https:\/\/demandehypotheque.com\/en\/wp-json\/wp\/v2\/media?parent=2919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}