{"id":2403,"date":"2026-07-22T20:45:56","date_gmt":"2026-07-23T00:45:56","guid":{"rendered":"https:\/\/thelmamortgages.ca\/?page_id=2403"},"modified":"2026-09-02T14:26:28","modified_gmt":"2026-09-02T18:26:28","slug":"analyse-refinancement-dettes","status":"publish","type":"page","link":"https:\/\/thelmamortgages.ca\/fr\/analyse-refinancement-dettes\/","title":{"rendered":"R\u00e9duisez la pression de vos dettes"},"content":{"rendered":"<style>\n@media only screen and (max-width: 767px) {\n  body.page-id-2403 header,\n  body.page-id-2403 nav,\n  body.page-id-2403 #masthead,\n  body.page-id-2403 .site-header,\n  body.page-id-2403 #site-navigation,\n  body.page-id-2403 .main-navigation {\n    display: none !important;\n  }\n}\n<\/style>\n<div id=\"page-analyse-refinancement\" style=\"max-width: 820px; margin: 0 auto 35px auto; background: #ffffff; padding: 32px 22px; border-radius: 10px; box-shadow: 0 2px 8px rgba(0,0,0,0.06); color: #333333; line-height: 1.7; box-sizing: border-box;\">\n<section style=\"text-align: center; margin-bottom: 28px;\"><\/section>\n<section style=\"margin-bottom: 24px;\"><script type=\"text\/javascript\">if(!gform){document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0});var gform={domLoaded:!1,scriptsLoaded:!1,initializeOnLoaded:function(o){gform.domLoaded&&gform.scriptsLoaded?o():!gform.domLoaded&&gform.scriptsLoaded?window.addEventListener(\"DOMContentLoaded\",o):document.addEventListener(\"gform_main_scripts_loaded\",o)},hooks:{action:{},filter:{}},addAction:function(o,n,r,t){gform.addHook(\"action\",o,n,r,t)},addFilter:function(o,n,r,t){gform.addHook(\"filter\",o,n,r,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,n){gform.removeHook(\"action\",o,n)},removeFilter:function(o,n,r){gform.removeHook(\"filter\",o,n,r)},addHook:function(o,n,r,t,i){null==gform.hooks[o][n]&&(gform.hooks[o][n]=[]);var e=gform.hooks[o][n];null==i&&(i=n+\"_\"+e.length),null==t&&(t=10),gform.hooks[o][n].push({tag:i,callable:r,priority:t})},doHook:function(o,n,r){if(r=Array.prototype.slice.call(r,1),null!=gform.hooks[o][n]){var t,i=gform.hooks[o][n];i.sort(function(o,n){return o.priority-n.priority});for(var e=0;e<i.length;e++)\"function\"!=typeof(t=i[e].callable)&&(t=window[t]),\"action\"==o?t.apply(null,r):r[0]=t.apply(null,r)}if(\"filter\"==o)return r[0]},removeHook:function(o,n,r,t){if(null!=gform.hooks[o][n])for(var i=gform.hooks[o][n],e=i.length-1;0<=e;e--)null!=t&&t!=i[e].tag||null!=r&&r!=i[e].priority||i.splice(e,1)}}}<\/script>\n                <div class='gf_browser_gecko gform_wrapper gravity-theme' id='gform_wrapper_10' style='display:none'><div id='gf_10' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_10' id='gform_10'  action='\/fr\/wp-json\/wp\/v2\/pages\/2403#gf_10' novalidate>\n                        <div class='gform_body gform-body'><div id='gform_page_10_1' class='gform_page' >\n                                    <div class='gform_page_fields'><div id='gform_fields_10' class='gform_fields top_label form_sublabel_below description_below'><fieldset id=\"field_10_1\" class=\"gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible\" ><legend class='gfield_label'  >\u00cates-vous propri\u00e9taire d\u2019une propri\u00e9t\u00e9 au Qu\u00e9bec?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(N\u00e9cessaire)<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_10_1'>\n\t\t\t<div class='gchoice gchoice_10_1_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_1' type='radio' value='Oui'  id='choice_10_1_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_10_1_0' id='label_10_1_0'>Oui<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_10_1_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_1' type='radio' value='Non'  id='choice_10_1_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_10_1_1' id='label_10_1_1'>Non<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_10_30\" class=\"gfield gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below field_description_below gfield_visibility_visible\" ><div style=\"background:#f7fbff; border:1px solid #dcecf8; border-radius:8px; padding:20px; margin-top:15px; font-family:Arial,Helvetica,sans-serif;\">\n\n  <h3 style=\"color:#0047b3; font-size:21px; line-height:1.35; margin:0 0 10px 0;\">\n    Ce formulaire est destin\u00e9 aux propri\u00e9taires.\n  <\/h3>\n\n  <p style=\"color:#444444; font-size:16px; line-height:1.6; margin:0;\">\n    La consolidation de dettes par refinancement utilise l\u2019\u00e9quit\u00e9 d\u2019une propri\u00e9t\u00e9.\n    Comme vous n\u2019\u00eates pas actuellement propri\u00e9taire, cette analyse ne correspond pas\n    \u00e0 votre situation. Vous pouvez toutefois r\u00e9server une consultation avec Thelma\n    pour discuter de votre projet immobilier.\n  <\/p>\n\n<\/div><\/div><\/div>\n                    <\/div>\n                    <div class='gform_page_footer top_label'>\n                         <input type='button' id='gform_next_button_10_25' class='gform_next_button button' value='Continuer'  onclick='jQuery(\"#gform_target_page_number_10\").val(\"2\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); ' onkeypress='if( event.keyCode == 13 ){ jQuery(\"#gform_target_page_number_10\").val(\"2\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); } ' \/> \n                    <\/div>\n                <\/div>\n                <div id='gform_page_10_2' class='gform_page' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_10_2' class='gform_fields top_label form_sublabel_below description_below'><div id=\"field_10_3\" class=\"gfield gsection field_sublabel_below field_description_below gfield_visibility_visible\" ><h3 class=\"gsection_title\">Informations g\u00e9n\u00e9rales sur votre propri\u00e9t\u00e9 et vos dettes<\/h3><\/div><div id=\"field_10_5\" class=\"gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible\" ><label class='gfield_label' for='input_10_5' >Valeur approximative de la propri\u00e9t\u00e9<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(N\u00e9cessaire)<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_5' id='input_10_5' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Moins de 300 000 $' >Moins de 300 000 $<\/option><option value='300 000 $ \u00e0 499 999 $' >300 000 $ \u00e0 499 999 $<\/option><option value='500 000 $ \u00e0 749 999 $' >500 000 $ \u00e0 749 999 $<\/option><option value='750 000 $ \u00e0 999 999 $' >750 000 $ \u00e0 999 999 $<\/option><option value='1 000 000 $ ou plus' >1 000 000 $ ou plus<\/option><option value='Je ne suis pas certain' >Je ne suis pas certain<\/option><\/select><\/div><\/div><\/div>\n                    <\/div>\n                    <div class='gform_page_footer top_label'>\n                        <input type='button' id='gform_previous_button_10_27' class='gform_previous_button button' value='Previous'  onclick='jQuery(\"#gform_target_page_number_10\").val(\"1\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); ' onkeypress='if( event.keyCode == 13 ){ jQuery(\"#gform_target_page_number_10\").val(\"1\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); } ' \/> <input type='button' id='gform_next_button_10_27' class='gform_next_button button' value='Next'  onclick='jQuery(\"#gform_target_page_number_10\").val(\"3\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); ' onkeypress='if( event.keyCode == 13 ){ jQuery(\"#gform_target_page_number_10\").val(\"3\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); } ' \/> \n                    <\/div>\n                <\/div>\n                <div id='gform_page_10_3' class='gform_page' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_10_3' class='gform_fields top_label form_sublabel_below description_below'><div id=\"field_10_6\" class=\"gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible\" ><label class='gfield_label' for='input_10_6' >Solde approximatif de l\u2019hypoth\u00e8que<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(N\u00e9cessaire)<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_6' id='input_10_6' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Moins de 150 000 $' >Moins de 150 000 $<\/option><option value='150 000 $ \u00e0 299 999 $' >150 000 $ \u00e0 299 999 $<\/option><option value='300 000 $ \u00e0 449 999 $' >300 000 $ \u00e0 449 999 $<\/option><option value='450 000 $ \u00e0 599 999 $' >450 000 $ \u00e0 599 999 $<\/option><option value='600 000 $ ou plus' >600 000 $ ou plus<\/option><option value='Je ne suis pas certain' >Je ne suis pas certain<\/option><\/select><\/div><\/div><\/div>\n                    <\/div>\n                    <div class='gform_page_footer top_label'>\n                        <input type='button' id='gform_previous_button_10_28' class='gform_previous_button button' value='Previous'  onclick='jQuery(\"#gform_target_page_number_10\").val(\"2\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); ' onkeypress='if( event.keyCode == 13 ){ jQuery(\"#gform_target_page_number_10\").val(\"2\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); } ' \/> <input type='button' id='gform_next_button_10_28' class='gform_next_button button' value='Next'  onclick='jQuery(\"#gform_target_page_number_10\").val(\"4\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); ' onkeypress='if( event.keyCode == 13 ){ jQuery(\"#gform_target_page_number_10\").val(\"4\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); } ' \/> \n                    <\/div>\n                <\/div>\n                <div id='gform_page_10_4' class='gform_page' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_10_4' class='gform_fields top_label form_sublabel_below description_below'><fieldset id=\"field_10_7\" class=\"gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible\" ><legend class='gfield_label gfield_label_before_complex'  >Quelles dettes souhaitez-vous regrouper?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(N\u00e9cessaire)<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox' id='input_10_7'><div class='gchoice gchoice_10_7_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_7.1' type='checkbox'  value='Cartes de cr\u00e9dit'  id='choice_10_7_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_10_7_1' id='label_10_7_1'>Cartes de cr\u00e9dit<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_10_7_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_7.2' type='checkbox'  value='Marge de cr\u00e9dit'  id='choice_10_7_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_10_7_2' id='label_10_7_2'>Marge de cr\u00e9dit<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_10_7_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_7.3' type='checkbox'  value='Pr\u00eat automobile'  id='choice_10_7_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_10_7_3' id='label_10_7_3'>Pr\u00eat automobile<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_10_7_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_7.4' type='checkbox'  value='Pr\u00eat personnel'  id='choice_10_7_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_10_7_4' id='label_10_7_4'>Pr\u00eat personnel<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_10_7_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_7.5' type='checkbox'  value='Dettes fiscales'  id='choice_10_7_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_10_7_5' id='label_10_7_5'>Dettes fiscales<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_10_7_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_7.6' type='checkbox'  value='Autres dettes'  id='choice_10_7_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_10_7_6' id='label_10_7_6'>Autres dettes<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_10_7_7'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_7.7' type='checkbox'  value='Je ne suis pas encore certain'  id='choice_10_7_7'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_10_7_7' id='label_10_7_7'>Je ne suis pas encore certain<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><\/div>\n                    <\/div>\n                    <div class='gform_page_footer top_label'>\n                        <input type='button' id='gform_previous_button_10_29' class='gform_previous_button button' value='Previous'  onclick='jQuery(\"#gform_target_page_number_10\").val(\"3\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); ' onkeypress='if( event.keyCode == 13 ){ jQuery(\"#gform_target_page_number_10\").val(\"3\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); } ' \/> <input type='button' id='gform_next_button_10_29' class='gform_next_button button' value='Next'  onclick='jQuery(\"#gform_target_page_number_10\").val(\"5\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); ' onkeypress='if( event.keyCode == 13 ){ jQuery(\"#gform_target_page_number_10\").val(\"5\");  jQuery(\"#gform_10\").trigger(\"submit\",[true]); } ' \/> \n                    <\/div>\n                <\/div>\n                <div id='gform_page_10_5' class='gform_page' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <div id='gform_fields_10_5' class='gform_fields top_label form_sublabel_below description_below'><div id=\"field_10_20\" class=\"gfield gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below field_description_below gfield_visibility_visible\" ><div style=\"background:#f7fbff;padding:15px;border-radius:6px;margin-bottom:15px;\">\n<strong>Important :<\/strong> ne transmettez pas de num\u00e9ro d\u2019assurance sociale, de renseignements bancaires, de mot de passe, de pi\u00e8ce d\u2019identit\u00e9 ou de documents confidentiels dans ce formulaire.\n<\/div><\/div><fieldset id=\"field_10_13\" class=\"gfield gfield--width-full gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible\" ><legend class='gfield_label gfield_label_before_complex'  >Nom et pr\u00e9nom<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(N\u00e9cessaire)<\/span><\/span><\/legend><div class='ginput_complex ginput_container no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name' id='input_10_13'>\n                            \n                            <span id='input_10_13_3_container' class='name_first' >\n                                                    <input type='text' name='input_13.3' id='input_10_13_3' value='' aria-label='First name'   aria-required='true'     \/>\n                                                    <label for='input_10_13_3' >Pr\u00e9nom<\/label>\n                                                <\/span>\n                            \n                            <span id='input_10_13_6_container' class='name_last' >\n                                                    <input type='text' name='input_13.6' id='input_10_13_6' value='' aria-label='Last name'   aria-required='true'     \/>\n                                                    <label for='input_10_13_6' >Nom<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_10_21\" class=\"gfield gfield--width-full gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible\" ><label class='gfield_label' for='input_10_21' >Num\u00e9ro de t\u00e9l\u00e9phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(N\u00e9cessaire)<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_21' id='input_10_21' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_10_15\" class=\"gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible\" ><label class='gfield_label' for='input_10_15' >Adresse courriel<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(N\u00e9cessaire)<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_15' id='input_10_15' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><fieldset id=\"field_10_17\" class=\"gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible\" ><legend class='gfield_label'  >Langue pr\u00e9f\u00e9r\u00e9e<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(N\u00e9cessaire)<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_10_17'>\n\t\t\t<div class='gchoice gchoice_10_17_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='Fran\u00e7ais'  id='choice_10_17_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_10_17_0' id='label_10_17_0'>Fran\u00e7ais<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_10_17_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='English'  id='choice_10_17_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_10_17_1' id='label_10_17_1'>English<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_10_17_2'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_17' type='radio' value='Espa\u00f1ol'  id='choice_10_17_2' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_10_17_2' id='label_10_17_2'>Espa\u00f1ol<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_10_19\" class=\"gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible\" ><legend class='gfield_label gfield_label_before_complex'  >Autorisation de contact<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(N\u00e9cessaire)<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox' id='input_10_19'><div class='gchoice gchoice_10_19_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_19.1' type='checkbox'  value='J\u2019accepte que Thelma Pareras me contacte au sujet de cette demande.'  id='choice_10_19_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_10_19_1' id='label_10_19_1'>J\u2019accepte que Thelma Pareras me contacte au sujet de cette demande.<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><\/div><\/div>\n        <div class='gform_page_footer top_label'><input type='submit' id='gform_previous_button_10' class='gform_previous_button button' value='Previous'  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