[{"data":1,"prerenderedAt":329},["ShallowReactive",2],{"article-\u002Fconseils-finance-blogue\u002Fl-assurance-pret-hypothecaire-est-ce-obligatoire":3},{"id":4,"title":5,"body":6,"composed":314,"date":315,"description":316,"elementorDocs":317,"elementorId":318,"extension":319,"image":317,"legacyUrl":320,"meta":321,"navigation":314,"ogDescription":316,"ogImage":322,"ogTitle":323,"path":324,"robots":325,"seo":326,"seoTitle":323,"stem":327,"__hash__":328},"articles\u002Fconseils-finance-blogue\u002Fl-assurance-pret-hypothecaire-est-ce-obligatoire.md","L’assurance prêt hypothécaire, est-ce obligatoire?",{"type":7,"value":8,"toc":311},"minimark",[9,52,117],[10,11,19],"el-section",{"el":12,"res":13},"c3711dd",{"tag":14,"class":15,"type":14,"settings":16,"container":17,"overlay":18},"section","elementor-section elementor-top-section elementor-element elementor-element-c3711dd elementor-section-full_width elementor-section-height-default elementor-section-height-default","{\"background_background\":\"classic\"}","elementor-container elementor-column-gap-default","elementor-background-overlay",[20,21,28,43],"el-column",{"el":22,"res":23},"7e519f03",{"tag":24,"class":25,"type":26,"settings":16,"wrap":27},"div","elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e519f03","column","elementor-widget-wrap elementor-element-populated",[29,30,40],"el-heading",{"el":31,"res":32},"4cfa48bc",{"tag":24,"class":33,"type":34,"widget":35,"container":36,"lead":37},"elementor-element elementor-element-4cfa48bc elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading","widget","theme-post-title.default","elementor-widget-container",{"tag":38,"class":39},"h1","elementor-heading-title elementor-size-default",[41,42,5],"p",{},[44,45],"el-breadcrumb",{"el":46,"res":47},"38ce6ad3",{"tag":24,"class":48,"type":34,"widget":49,"container":36,"lead":50},"elementor-element elementor-element-38ce6ad3 elementor-widget elementor-widget-shortcode","shortcode.default",{"tag":24,"class":51},"elementor-shortcode",[10,53,57],{"el":54,"res":55},"268d8483",{"tag":14,"class":56,"type":14,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-268d8483 elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,58,62,74,79,95,104],{"el":59,"res":60},"1ebb6327",{"tag":24,"class":61,"type":26,"settings":16,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1ebb6327",[63,64,71],"el-text",{"el":65,"res":66},"6d1af574",{"tag":24,"class":67,"type":34,"widget":68,"container":36,"lead":69},"elementor-element elementor-element-6d1af574 elementor-widget elementor-widget-text-editor","text-editor.default",{"tag":41,"class":70},"subtitle",[41,72,73],{},"Partagez l’article:",[75,76],"el-share-buttons",{"el":77,"networks":78},"30e5c9f0","facebook,twitter,linkedin",[63,80,86],{"el":81,"res":82},"742c5f39",{"tag":24,"class":83,"type":34,"widget":68,"container":36,"lead":84},"elementor-element elementor-element-742c5f39 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},"",[41,87,88,89,94],{},"Vous êtes dans un processus préparatoire à l’achat d’une maison et vous vous questionnez sur l’",[90,91,93],"a",{"href":92},"\u002Fassurance-de-personne\u002Fassurance-hypothecaire\u002F","assurance prêt hypothécaire","?",[63,96,101],{"el":97,"res":98},"0b33fd3",{"tag":24,"class":99,"type":34,"widget":68,"container":36,"lead":100},"elementor-element elementor-element-0b33fd3 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,102,103],{},"Se lancer dans l’acquisition d’une propriété demande beaucoup d’énergie et peut vite devenir mélangeant. Pour vous simplifier la vie et en apprendre plus sur l’assurance prêt hypothécaire, consultez cet article dès maintenant!",[105,106,114],"el-button",{"el":107,"to":108,"res":109},"595c47c4","\u002Fconseils-finance-blogue\u002F",{"tag":24,"class":110,"type":34,"widget":111,"container":36,"lead":112},"elementor-element elementor-element-595c47c4 elementor-align-left elementor-widget elementor-widget-button","button.default",{"tag":24,"class":113},"elementor-button-wrapper",[41,115,116],{},"Retourner au blogue",[10,118,122],{"el":119,"res":120},"7c4e51be",{"tag":14,"class":121,"type":14,"settings":16,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-7c4e51be elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,123,127,138,147,156,172,181,190,199,208,217,226,235,244,255,273,283,292,300,303],{"el":124,"res":125},"277d790a",{"tag":24,"class":126,"type":26,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-277d790a",[29,128,135],{"el":129,"res":130},"3667640b",{"tag":24,"class":131,"type":34,"widget":132,"container":36,"lead":133},"elementor-element elementor-element-3667640b elementor-widget elementor-widget-heading","heading.default",{"tag":134,"class":39},"h2",[41,136,137],{},"Faire le point sur les différentes assurances prêt hypothécaire",[63,139,144],{"el":140,"res":141},"2ce84749",{"tag":24,"class":142,"type":34,"widget":68,"container":36,"lead":143},"elementor-element elementor-element-2ce84749 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,145,146],{},"Souvent, lorsqu’il est question de souscrire à une assurance lors de l’achat d’une maison, il n’est pas rare de voir une confusion entre les différents types d’assurance prêt hypothécaire.",[63,148,153],{"el":149,"res":150},"d7b4e00",{"tag":24,"class":151,"type":34,"widget":68,"container":36,"lead":152},"elementor-element elementor-element-d7b4e00 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,154,155],{},"Bien que toutes les assurances prêt hypothécaire garantissent le paiement de votre hypothèque s’il devait vous arriver quelque chose, elles possèdent toutefois des nuances importantes à saisir.",[63,157,162],{"el":158,"res":159},"1b4e92a",{"tag":24,"class":160,"type":34,"widget":68,"container":36,"lead":161},"elementor-element elementor-element-1b4e92a elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,163,164,165,171],{},"L’",[90,166,170],{"href":167,"rel":168},"https:\u002F\u002Fwww.cmhc-schl.gc.ca\u002Ffr\u002Fconsumers\u002Fhome-buying\u002Fmortgage-loan-insurance-for-consumers\u002Fwhat-is-mortgage-loan-insurance",[169],"nofollow","assurance prêt hypothécaire de la SCHL",", par exemple, n’est pas à confondre avec les assurances vie hypothécaire et invalidité hypothécaire. Ce type d’assurance sert à protéger votre prêteur, donc votre institution financière, au cas où vous ne pourriez plus rembourser votre prêt. Elle est obligatoire si vous n’êtes pas en mesure de faire une mise de fonds de 20 % et plus de la valeur totale de votre maison.",[29,173,178],{"el":174,"res":175},"3d9489d",{"tag":24,"class":176,"type":34,"widget":132,"container":36,"lead":177},"elementor-element elementor-element-3d9489d elementor-widget elementor-widget-heading",{"tag":134,"class":39},[41,179,180],{},"Qu’en est-il de l’assurance vie hypothécaire et de l’assurance invalidité hypothécaire?",[63,182,187],{"el":183,"res":184},"5717b098",{"tag":24,"class":185,"type":34,"widget":68,"container":36,"lead":186},"elementor-element elementor-element-5717b098 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,188,189],{},"Nous avons vu, plus haut, à quoi servait l’assurance prêt hypothécaire de la SCHL, mais qu’en est-il des assurances vie et invalidité hypothécaires?",[63,191,196],{"el":192,"res":193},"50ca374",{"tag":24,"class":194,"type":34,"widget":68,"container":36,"lead":195},"elementor-element elementor-element-50ca374 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,197,198],{},"L’assurance vie hypothécaire est une protection pour votre famille en cas de décès. Si le pire devait vous arriver, vos proches seraient en mesure de garder votre maison puisque l’hypothèque serait couverte et remboursée par votre assurance.",[63,200,205],{"el":201,"res":202},"b382bf0",{"tag":24,"class":203,"type":34,"widget":68,"container":36,"lead":204},"elementor-element elementor-element-b382bf0 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,206,207],{},"L’assurance invalidité hypothécaire, quant à elle, agit comme une protection si vous deveniez invalide pour une période de 60 jours et plus (le délai peut varier selon l’assurance). Vous pourriez alors vous concentrer sur votre guérison sans vous soucier des remboursements mensuels de votre hypothèque.",[63,209,214],{"el":210,"res":211},"6435592",{"tag":24,"class":212,"type":34,"widget":68,"container":36,"lead":213},"elementor-element elementor-element-6435592 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,215,216],{},"Ces deux assurances prêt hypothécaire ne sont, pour leur part, aucunement obligatoires. La plupart des institutions bancaires insistent parfois au point de donner l’impression qu’elles le sont, mais il s’agit ici d’un choix purement personnel.",[29,218,223],{"el":219,"res":220},"da86bde",{"tag":24,"class":221,"type":34,"widget":132,"container":36,"lead":222},"elementor-element elementor-element-da86bde elementor-widget elementor-widget-heading",{"tag":134,"class":39},[41,224,225],{},"Assurance vie hypothécaire et assurance invalidité hypothécaire : l’option avantageuse",[63,227,232],{"el":228,"res":229},"15493eda",{"tag":24,"class":230,"type":34,"widget":68,"container":36,"lead":231},"elementor-element elementor-element-15493eda elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,233,234],{},"Vous pensez souscrire à une assurance vie ou invalidité hypothécaire? Super! Sachez cependant que faire affaire à une compagnie d’assurances plutôt qu’à l’institution qui vous a octroyé votre prêt est, bien souvent, l’option la plus avantageuse.",[63,236,241],{"el":237,"res":238},"924dab7",{"tag":24,"class":239,"type":34,"widget":68,"container":36,"lead":240},"elementor-element elementor-element-924dab7 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,242,243],{},"En plus de payer moins cher pour votre assurance prêt hypothécaire, vous pourriez en effet bénéficier de plusieurs avantages, comme :",[245,246],"el-icon-list",{"el":247,"items":248,"res":249},"16e67127","[{\"text\":\"Être propriétaire de votre contrat;\"},{\"text\":\"Choisir vous-mêmes vos bénéficiaires;\"},{\"text\":\"Avoir des primes garanties;\"},{\"text\":\"Garder votre contrat inchangé même si vous changez d’institution financière;\"},{\"text\":\"Avoir le droit de demander la permanence de votre contrat même si votre état de santé a évolué;\"},{\"text\":\"Et plus encore!\"}]",{"tag":24,"class":250,"type":34,"widget":251,"container":36,"lead":252},"elementor-element elementor-element-16e67127 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list","icon-list.default",{"tag":253,"class":254},"ul","elementor-icon-list-items",[63,256,261],{"el":257,"res":258},"66c9734e",{"tag":24,"class":259,"type":34,"widget":68,"container":36,"lead":260},"elementor-element elementor-element-66c9734e elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,262,263,264,267,268,272],{},"Si vous vous questionnez sur les différentes ",[90,265,266],{"href":92},"assurances prêt hypothécaire",", n’hésitez surtout pas à ",[90,269,271],{"href":270},"\u002Fnous-joindre\u002F","nous contacter",". C’est avec plaisir que nos conseillers vous guideront vers la meilleure solution pour vous et votre famille!",[105,274,280],{"el":275,"to":276,"res":277},"63353394","https:\u002F\u002Fapp.livsta.ca\u002FNew",{"tag":24,"class":278,"type":34,"widget":111,"container":36,"lead":279},"elementor-element elementor-element-63353394 elementor-align-left elementor-widget elementor-widget-button",{"tag":24,"class":113},[41,281,282],{},"Créez votre programme aujourd'hui",[284,285],"el-divider",{"el":286,"res":287},"232429ff",{"tag":24,"class":288,"type":34,"widget":289,"container":36,"lead":290},"elementor-element elementor-element-232429ff elementor-widget-divider--view-line elementor-widget elementor-widget-divider","divider.default",{"tag":24,"class":291},"elementor-divider",[63,293,298],{"el":294,"res":295},"716c6c7",{"tag":24,"class":296,"type":34,"widget":68,"container":36,"lead":297},"elementor-element elementor-element-716c6c7 elementor-widget elementor-widget-text-editor",{"tag":41,"class":70},[41,299,73],{},[75,301],{"el":302,"networks":78},"46c03d1e",[105,304,309],{"el":305,"to":108,"res":306},"220d407",{"tag":24,"class":307,"type":34,"widget":111,"container":36,"lead":308},"elementor-element elementor-element-220d407 elementor-align-left elementor-widget elementor-widget-button",{"tag":24,"class":113},[41,310,116],{},{"title":85,"searchDepth":312,"depth":312,"links":313},2,[],true,"2022-07-04","Est-ce que souscrire à une assurance prêt hypothécaire est obligatoire? Y a-t-il d’autres options? Trouvez réponses à vos question avec cet article de LIVSTA!",null,"849","md","https:\u002F\u002Flivsta.ca\u002Fconseils-finance-blogue\u002Fl-assurance-pret-hypothecaire-est-ce-obligatoire\u002F",{},"\u002Fimages\u002F2022\u002F07\u002Fheader_assurancePretHypothécaireObligatoire.jpg","L’assurance prêt hypothécaire, est-ce obligatoire? | LIVSTA","\u002Fconseils-finance-blogue\u002Fl-assurance-pret-hypothecaire-est-ce-obligatoire","follow, index, max-snippet:-1, max-video-preview:-1, max-image-preview:large",{"title":5,"description":316,"robots":325},"conseils-finance-blogue\u002Fl-assurance-pret-hypothecaire-est-ce-obligatoire","3Dawwvjj4b2dXqFknKMXtkrCRdYsvTxXMzie6Q0gYfQ",1790345575299]