{"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 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 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","footnotes":""},"categories":[74],"tags":[],"class_list":["post-5219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dernieres-nouvelles"],"blocksy_meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Taux hypoth\u00e9caires Canada 2024 et pr\u00e9visions pour 2024\u20132028<\/title>\n<meta name=\"description\" content=\"Taux hypoth\u00e9caires Canada 2024. Pour propri\u00e9taire et acheteur avertit. 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