{"id":5470,"date":"2025-08-18T14:56:58","date_gmt":"2025-08-18T19:56:58","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?p=5470"},"modified":"2025-08-19T15:01:19","modified_gmt":"2025-08-19T20:01:19","slug":"pret-hypothecaire-avec-mauvais-credit-que-faire-sans-signature","status":"publish","type":"post","link":"https:\/\/solutionshypotheques.ca\/en\/dernieres-nouvelles\/pret-hypothecaire-avec-mauvais-credit-que-faire-sans-signature\/","title":{"rendered":"Pr\u00eat hypoth\u00e9caire avec mauvais cr\u00e9dit : que faire sans cosignataire ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5470\" class=\"elementor elementor-5470\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d522329 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d522329\" data-element_type=\"section\" data-e-type=\"section\">\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-94b691a\" data-id=\"94b691a\" 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-7b43158 elementor-widget elementor-widget-text-editor\" data-id=\"7b43158\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;\">Obtenir un pr\u00eat hypoth\u00e9caire peut sembler mission impossible lorsqu\u2019on a un <a href=\"https:\/\/solutionshypotheques.ca\/hypotheque-mauvais-credit\/\">mauvais cr\u00e9dit<\/a>\u2026 et encore plus lorsqu\u2019aucun proche ne peut agir comme cosignataire. Pourtant, il existe bel et bien des solutions. Nous croyons qu\u2019un mauvais cr\u00e9dit ne devrait pas vous emp\u00eacher d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9 ou de consolider vos finances. Voici ce que vous pouvez faire, m\u00eame sans cosignataire.<\/p><h2 dir=\"ltr\" style=\"line-height: 1.38; margin-top: 12pt; margin-bottom: 12pt;\"><strong>Est-il possible d\u2019obtenir un pr\u00eat hypoth\u00e9caire avec un mauvais cr\u00e9dit et sans cosignataire ?<\/strong><\/h2><p><strong>Oui, absolument.<\/strong> Les banques traditionnelles sont frileuses, mais les pr\u00eateurs alternatifs \u00e9valuent votre dossier diff\u00e9remment. Ils se concentrent sur la valeur de votre propri\u00e9t\u00e9 et votre capacit\u00e9 actuelle de remboursement plut\u00f4t que uniquement sur votre historique de cr\u00e9dit.<\/p><p>D\u00e9couvrez aussi les 3 erreurs les plus courantes quand on <a href=\"https:\/\/solutionshypotheques.ca\/dernieres-nouvelles\/erreurs-quand-on-cherche-une-hypotheque-avec-un-mauvais-credit\/\">cherche un pr\u00eat hypoth\u00e9caire avec un mauvais cr\u00e9dit<\/a>.<\/p><p><strong style=\"color: #222222; font-size: 2rem;\">Les options disponibles sans cosignataire<\/strong><\/p><h3 dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\" role=\"presentation\">1. Pr\u00eateurs priv\u00e9s<\/h3><p>Votre meilleure option avec un cr\u00e9dit compromis.\u00a0<\/p><p>Les pr\u00eateurs priv\u00e9s sont plus flexibles que les banques traditionnelles. Ils \u00e9valuent votre demande en se basant principalement sur la valeur de votre propri\u00e9t\u00e9 ou celle que vous souhaitez acheter (25-35% de mise de fonds minimum requis) plut\u00f4t que sur votre cote de cr\u00e9dit. Ces pr\u00eats sont souvent utilis\u00e9s comme solutions \u00e0 court terme pour redresser une situation financi\u00e8re.<\/p><p><strong>Avantages :\u00a0<\/strong><\/p><ul><li>Approbation rapide (quelques jours)<\/li><li>Crit\u00e8res souples<\/li><li>Financement possible m\u00eame avec faillite r\u00e9cente ou proposition de consommateur<\/li><\/ul>\t\t\t\t\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-5ca6384 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ca6384\" data-element_type=\"section\" data-e-type=\"section\">\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-6cc11fb\" data-id=\"6cc11fb\" 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-a661ddf elementor-widget elementor-widget-html\" data-id=\"a661ddf\" 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<div class=\"row strategy-cta d-flex align-items-md-baseline\">\r\n\t<div class=\"col-12 col-md-3 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/home_value_1.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>Valeur marchande<\/h3>\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-1\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/minus.png\" class=\"operator\" alt=\"minus\">\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-4 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/amount_owing.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>Montant de vos hypoth\u00e8ques<\/h3>\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-1 p-0\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/equals.png\" class=\"operator\" alt=\"equals\">\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-3 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/home_equity_1.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>\u00c9quit\u00e9<\/h3>\r\n\t<\/div>\r\n<\/div>\r\n\r\n<div class=\"row strategy-cta d-flex align-items-md-baseline\">\r\n\t<div class=\"col-12 col-md-3 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/04\/home_equity_1.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>\u00c9quit\u00e9<\/h3>\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-1\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/plus.png\" class=\"operator\" alt=\"plus\">\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-4 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/strategy.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>La bonne strat\u00e9gie<\/h3>\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-1 p-0\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/equals.png\" class=\"operator\" alt=\"equals\">\r\n\t<\/div>\r\n\t<div class=\"col-12 col-md-3 text-center\">\r\n\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2021\/02\/financial_success.png\" class=\"cta-img\" alt=\"\">\r\n\t\t<h3>Succ\u00e8s financier!<\/h3>\r\n\t<\/div>\r\n<\/div>\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-68172df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68172df\" data-element_type=\"section\" data-e-type=\"section\">\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-a426736\" data-id=\"a426736\" 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-39f7b64 elementor-widget elementor-widget-text-editor\" data-id=\"39f7b64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #222222; font-size: 22px; font-weight: bold;\">2. Deuxi\u00e8me Hypoth\u00e8que<\/span><\/p><p><span style=\"color: #666666; font-size: 16px;\">Si vous poss\u00e9dez d\u00e9j\u00e0 une propri\u00e9t\u00e9, une <a href=\"https:\/\/solutionshypotheques.ca\/deuxieme-hypotheque\/\">deuxi\u00e8me hypoth\u00e8que<\/a> peut vous aider \u00e0 d\u00e9gager des liquidit\u00e9s <b><a href=\"https:\/\/solutionshypotheques.ca\/dernieres-nouvelles\/comment-refinancer-une-hypotheque-avec-un-mauvais-credit\/\">malgr\u00e9 un mauvais cr\u00e9dit<\/a>. <\/b>Ces fonds peuvent servir \u00e0 rembourser des dettes \u00e0 taux \u00e9lev\u00e9, \u00e0 investir dans des r\u00e9novations ou \u00e0 stabiliser votre situation financi\u00e8re.<\/span><\/p><p dir=\"ltr\" style=\"margin-top: 12pt; margin-bottom: 12pt; line-height: 1.38;\"><b>Attention : les taux d\u2019int\u00e9r\u00eat sur une deuxi\u00e8me hypoth\u00e8que sont plus \u00e9lev\u00e9s<\/b> que ceux d\u2019un pr\u00eateur d\u2019une hypoth\u00e8que de premier rang. En revanche, vous pouvez tout de m\u00eame \u00e9conomiser de l\u2019argent chaque mois, augmenter votre cote de cr\u00e9dit et acc\u00e9der \u00e0 vos liquidit\u00e9s.\u00a0<\/p><p dir=\"ltr\" style=\"margin-top: 12pt; margin-bottom: 12pt; line-height: 1.38;\">Au Qu\u00e9bec, lorsqu&#8217;on a un mauvais dossier de cr\u00e9dit, les pr\u00eats de deuxi\u00e8me hypoth\u00e8que sont g\u00e9n\u00e9ralement octroy\u00e9s par un pr\u00eateur hypoth\u00e9caire alternatif (il n\u2019en existe qu\u2019un seul pr\u00e9sentement dans la province) ou par des pr\u00eateurs hypoth\u00e9caires priv\u00e9s.<\/p><p style=\"transition-property: all;\"><span style=\"color: #222222; font-size: 22px; font-weight: bold;\">3. Refinancement hypoth\u00e9caire<\/span><\/p><div><span style=\"color: #666666; font-family: Arimo, sans-serif;\">Le refinancement vous permet de remplacer votre pr\u00eat actuel par un nouveau, souvent avec de meilleures conditions. M\u00eame si votre cote de cr\u00e9dit est faible, certains pr\u00eateurs alternatifs ou priv\u00e9s peuvent vous offrir une solution viable.<\/span><\/div><div><span style=\"color: #666666; font-family: Arimo, sans-serif;\">Possible entre 65-70% de la valeur avec une proposition de consommateur \u00e0 jour.<\/span><\/div><div><span style=\"color: #666666; font-family: Arimo, sans-serif;\">\u00a0<\/span><\/div><p style=\"transition-property: all;\"><span style=\"color: #222222;\"><span style=\"font-size: 22px;\"><b>Comment am\u00e9liorer son dossier de cr\u00e9dit (et faciliter l\u2019obtention d\u2019un pr\u00eat)<\/b><\/span><\/span><\/p><div><div>M\u00eame sans cosignataire, quelques actions concr\u00e8tes peuvent faire toute la diff\u00e9rence :<\/div><div><ul><li>Effectuez vos paiements \u00e0 temps (cartes de cr\u00e9dit, pr\u00eats, factures)<\/li><li>R\u00e9duisez votre taux d\u2019utilisation de cr\u00e9dit (id\u00e9alement sous les 30 %)<\/li><li>\u00c9vitez de multiplier les demandes de cr\u00e9dit<\/li><li>Conservez vos comptes de cr\u00e9dit ouverts, m\u00eame ceux que vous n\u2019utilisez pas<\/li><li>Constituez un historique de cr\u00e9dit positif, m\u00eame avec une carte s\u00e9curis\u00e9e<\/li><\/ul><\/div><div>\u00a0<\/div><div>Si ceci est votre situation ou que vous connaissez quelqu\u2019un qui pourrait b\u00e9n\u00e9ficier de notre aide, prenez quelques minutes pour remplir notre <a href=\"https:\/\/solutionshypotheques.ca\/demande-en-ligne\/\">formulaire en ligne <\/a>et il nous fera plaisir de mettre nos plus de 10 ann\u00e9es d\u2019exp\u00e9rience \u00e0 votre service!<\/div><\/div><div><span style=\"color: #666666; font-family: Arimo, sans-serif;\">\u00a0<\/span><\/div><h3 style=\"transition-property: all;\">Aidez-nous \u00e0 mieux vous conna\u00eetre et \u00e0 comprendre votre situation unique.<\/h3><h3 style=\"transition-property: all;\">Remplissez &#8211;<span style=\"text-decoration-line: underline;\"><em><span style=\"font-weight: bolder;\"><a style=\"transition-property: all;\" href=\"https:\/\/solutionshypotheques.ca\/demande-en-ligne\/\">\u00a0notre formulaire<\/a>\u00a0&#8211;\u00a0<\/span><\/em><\/span>ou appelez-nous d\u00e8s maintenant au\u00a0<span style=\"font-weight: bolder;\">1-888-708-5576<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dc0f59 elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget__width-auto elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"4dc0f59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"tel:18887085576\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"1-888-708-5576\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-volume\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"tel:18887085576\" >\n\t\t\t\t\t\t\t1-888-708-5576\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/span>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Obtenir un pr\u00eat hypoth\u00e9caire peut sembler mission impossible lorsqu\u2019on a un mauvais cr\u00e9dit\u2026 et encore plus lorsqu\u2019aucun proche ne peut <span>&#8230;<\/span><\/p>\n","protected":false},"author":2,"featured_media":2934,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-5470","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>Pr\u00eat hypoth\u00e9caire avec mauvais cr\u00e9dit sans cosignataire<\/title>\n<meta name=\"description\" content=\"Obtenir un pr\u00eat hypoth\u00e9caire peut sembler mission impossible lorsqu\u2019on a un mauvais cr\u00e9dit\u2026 et encore plus sans cosignataire.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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