{"id":5219,"date":"2024-11-19T11:30:10","date_gmt":"2024-11-19T16:30:10","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?p=5219"},"modified":"2026-02-28T22:43:06","modified_gmt":"2026-03-01T03:43:06","slug":"previsions-des-taux-hypothecaires-au-canada-2024-2028-ce-que-vous-devez-savoir","status":"publish","type":"post","link":"https:\/\/solutionshypotheques.ca\/en\/dernieres-nouvelles\/previsions-des-taux-hypothecaires-au-canada-2024-2028-ce-que-vous-devez-savoir\/","title":{"rendered":"Taux hypoth\u00e9caires 2024 : tendances et impacts"},"content":{"rendered":"<h3 class=\"ai-optimize-6\">Taux hypoth\u00e9caires Canada 2024 : Pr\u00e9visions pour 2024\u20132028<\/h3>\n<h4 class=\"ai-optimize-7\">Introduction : Changements dans les taux hypoth\u00e9caires<\/h4>\n<p class=\"ai-optimize-8 ai-optimize-introduction\">Les <strong>taux hypoth\u00e9caires Canada 2024<\/strong> continuent d\u2019\u00e9voluer. Ces derni\u00e8res ann\u00e9es, ils ont beaucoup chang\u00e9. Pendant la pand\u00e9mie, les taux \u00e9taient tr\u00e8s bas. Cependant, en 2022\u20132023, la Banque du Canada a augment\u00e9 les taux rapidement pour contr\u00f4ler l\u2019inflation. En cons\u00e9quence, les hypoth\u00e8ques sont devenues plus co\u00fbteuses. Maintenant, puisque l\u2019inflation ralentit, la Banque commence \u00e0 baisser les taux \u00e0 nouveau.<\/p>\n<p class=\"ai-optimize-9\">Pour mieux comprendre ces changements, voici un guide sur les pr\u00e9visions des taux hypoth\u00e9caires pour les 3 \u00e0 5 prochaines ann\u00e9es.<\/p>\n<hr \/>\n<h4 class=\"ai-optimize-10\">\u00c0 quoi s\u2019attendre pour les taux hypoth\u00e9caires en 2024<\/h4>\n<p class=\"ai-optimize-11\">D\u2019ici la fin de 2024, la Banque du Canada a abaiss\u00e9 son taux directeur \u00e0 3,75 %. Par cons\u00e9quent, les hypoth\u00e8ques pourraient devenir plus abordables. En effet, les experts pensent que d\u2019autres baisses suivront. Par exemple, ils pr\u00e9voient une diminution entre 0,75 % et 1 % d\u2019ici la fin de l\u2019ann\u00e9e.<\/p>\n<p class=\"ai-optimize-12\">Voici quelques chiffres cl\u00e9s pour le moment :<\/p>\n<ul>\n<li class=\"ai-optimize-13\"><strong>Taux directeur :<\/strong> 3,75 %<\/li>\n<li class=\"ai-optimize-14\"><strong>Taux pr\u00e9f\u00e9rentiel :<\/strong> 5,95 %<\/li>\n<li class=\"ai-optimize-15\"><strong>Inflation :<\/strong> 1,6 %, en diminution<\/li>\n<\/ul>\n<p class=\"ai-optimize-16\">Ainsi, de meilleures offres hypoth\u00e9caires pourraient bient\u00f4t \u00eatre disponibles. Toutefois, des changements impr\u00e9vus dans l\u2019\u00e9conomie pourraient modifier cette tendance.<\/p>\n<hr \/>\n<h4 class=\"ai-optimize-17\">Ce que disent les experts sur les taux de 2024<\/h4>\n<p class=\"ai-optimize-18\">Selon les \u00e9conomistes, la Banque du Canada continuera \u00e0 r\u00e9duire les taux avec prudence. Par exemple, le taux directeur pourrait descendre \u00e0 3,25 % d\u2019ici la fin de 2024. Cela rendrait les hypoth\u00e8ques \u00e0 taux variable plus int\u00e9ressantes. Cependant, les taux fixes pourraient prendre plus de temps \u00e0 diminuer.<\/p>\n<hr \/>\n<h4 class=\"ai-optimize-19\">Pr\u00e9visions \u00e0 court et long terme<\/h4>\n<p class=\"ai-optimize-20\"><strong>Entre 2024 et 2025<\/strong> : Les propri\u00e9taires avec des hypoth\u00e8ques \u00e0 taux variable pourraient voir leurs paiements mensuels diminuer rapidement. En m\u00eame temps, ceux qui renouvellent leur hypoth\u00e8que d\u00e9but 2025 pourraient obtenir de meilleures conditions.<\/p>\n<p class=\"ai-optimize-21\"><strong>Entre 2025 et 2028<\/strong> : Si l\u2019inflation reste stable, les taux hypoth\u00e9caires pourraient baisser lentement. Quant aux taux fixes, ils pourraient atteindre entre 3,5 % et 4,5 % d\u2019ici 2028. Toutefois, des changements \u00e9conomiques importants pourraient influencer ces pr\u00e9visions.<\/p>\n<hr \/>\n<h4 class=\"ai-optimize-22\">Comment ces changements vous touchent<\/h4>\n<ul>\n<li class=\"ai-optimize-23\"><strong>Pour les nouveaux acheteurs :<\/strong> Des taux plus bas pourraient rendre les maisons plus abordables. Cependant, les prix \u00e9lev\u00e9s dans des villes comme Toronto et Vancouver restent un d\u00e9fi.<\/li>\n<li class=\"ai-optimize-24\"><strong>Pour les propri\u00e9taires :<\/strong> Si vous avez une hypoth\u00e8que \u00e0 taux variable, une r\u00e9duction des taux pourrait diminuer vos paiements mensuels.<\/li>\n<\/ul>\n<hr \/>\n<h4 class=\"ai-optimize-25\">Conclusion<\/h4>\n<p class=\"ai-optimize-26\">En conclusion, les <strong>taux hypoth\u00e9caires Canada 2024<\/strong> montrent qu\u2019il est essentiel de suivre les tendances pour bien planifier vos d\u00e9cisions financi\u00e8res. Appelez-nous au <strong>1-888-708-5576<\/strong> ou remplissez notre <a href=\"https:\/\/solutionshypotheques.ca\/demande-en-ligne\/\"><strong>formulaire en ligne<\/strong><\/a> pour explorer vos options !<\/p>\n<hr \/>\n<h5 class=\"ai-optimize-27\">Liens utiles :<\/h5>\n<ul>\n<li class=\"ai-optimize-28\"><a href=\"https:\/\/www.banqueducanada.ca\/publication\/rpm\/rpm-2024-10-23\/projections\/\">Banque du Canada : Projections<\/a><\/li>\n<li class=\"ai-optimize-29\"><a href=\"https:\/\/www.cmhc-schl.gc.ca\/professionnels\/marche-du-logement-donnees-et-recherche\/marches-de-lhabitation\/rapports-sur-le-marche-de-lhabitation\/perspectives-du-marche-de-lhabitation\">SCHL : Perspectives du march\u00e9<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Taux hypoth\u00e9caires Canada 2024 : Pr\u00e9visions pour 2024\u20132028 Introduction : Changements dans les taux hypoth\u00e9caires Les taux hypoth\u00e9caires Canada 2024 <span>&#8230;<\/span><\/p>\n","protected":false},"author":7,"featured_media":5216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-5219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dernieres-nouvelles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Taux hypoth\u00e9caires Canada 2024 et pr\u00e9visions pour 2024\u20132028<\/title>\n<meta name=\"description\" content=\"Taux hypoth\u00e9caires Canada 2024. 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