{"id":622,"date":"2016-09-13T14:54:27","date_gmt":"2016-09-13T18:54:27","guid":{"rendered":"http:\/\/simon.wps.dev\/fr\/mortgage-renewal\/"},"modified":"2026-09-29T20:40:33","modified_gmt":"2026-09-30T00:40:33","slug":"renouvellement-hypothecaire-quebec","status":"publish","type":"page","link":"https:\/\/thelmamortgages.ca\/fr\/mortgages\/renouvellement-hypothecaire-quebec\/","title":{"rendered":"RENOUVELLEMENT DE SON HYPOTH\u00c8QUE"},"content":{"rendered":"<style>\n.tm-renewal-page,\n.tm-renewal-page * {\n    box-sizing: border-box;\n}<\/p>\n<p>.tm-renewal-page {\n    max-width: 1100px;\n    margin: 0 auto;\n    padding: 25px 20px 60px;\n    font-family: Arial, Helvetica, sans-serif;\n    color: #44546a;\n}<\/p>\n<p>.tm-renewal-page h1 {\n    color: #102a43;\n    font-size: 44px;\n    line-height: 1.18;\n    font-weight: 800;\n    margin: 0 0 18px;\n}<\/p>\n<p>.tm-renewal-page h2 {\n    color: #102a43;\n    font-size: 32px;\n    line-height: 1.3;\n    font-weight: 800;\n    margin: 0 0 18px;\n}<\/p>\n<p>.tm-renewal-page h3 {\n    color: #102a43;\n    font-size: 21px;\n    line-height: 1.35;\n    font-weight: 700;\n    margin: 0 0 10px;\n}<\/p>\n<p>.tm-renewal-page p,\n.tm-renewal-page li {\n    font-size: 17px;\n    line-height: 1.7;\n}<\/p>\n<p>.tm-renewal-page p {\n    margin: 0 0 18px;\n}<\/p>\n<p>.tm-renewal-page ul {\n    margin: 15px 0 0;\n    padding-left: 24px;\n}<\/p>\n<p>.tm-content-section {\n    margin: 65px 0;\n}<\/p>\n<p>.tm-section-label,\n.tm-renewal-eyebrow,\n.tm-cta-small {\n    color: #18aee0;\n    font-size: 14px;\n    font-weight: 800;\n    text-transform: uppercase;\n    letter-spacing: .8px;\n    margin-bottom: 10px;\n}<\/p>\n<p>\/* HERO *\/\n.tm-renewal-hero {\n    background: linear-gradient(135deg,#f4f9fd,#eef8fc);\n    border: 1px solid #dbeaf4;\n    border-radius: 18px;\n    padding: 48px 42px;\n    margin-bottom: 60px;\n}<\/p>\n<p>.tm-renewal-lead {\n    font-size: 20px !important;\n    line-height: 1.65 !important;\n    max-width: 860px;\n}<\/p>\n<p>.tm-renewal-buttons {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 12px;\n    margin-top: 28px;\n}<\/p>\n<p>.tm-renewal-button-primary,\n.tm-renewal-button-secondary,\n.tm-inline-cta {\n    display: inline-block;\n    padding: 14px 24px;\n    border-radius: 7px;\n    font-size: 16px;\n    font-weight: 700;\n    text-decoration: none !important;\n}<\/p>\n<p>.tm-renewal-button-primary {\n    background: #0047b3 !important;\n    color: #ffffff !important;\n}<\/p>\n<p>.tm-renewal-button-secondary {\n    background: #ffffff !important;\n    color: #0047b3 !important;\n    border: 2px solid #0047b3;\n}<\/p>\n<p>.tm-renewal-fast-response {\n    margin-top: 16px !important;\n    margin-bottom: 0 !important;\n    font-size: 14px !important;\n    font-weight: 700;\n    color: #526579;\n}<\/p>\n<p>\/* HIGHLIGHTS *\/\n.tm-renewal-highlight,\n.tm-renewal-warning {\n    border-radius: 12px;\n    padding: 26px 28px;\n    margin: 28px 0;\n}<\/p>\n<p>.tm-renewal-highlight {\n    background: #eef8fc;\n    border-left: 5px solid #18b7ea;\n}<\/p>\n<p>.tm-renewal-warning {\n    background: #f7f9fc;\n    border: 1px solid #dce7f0;\n}<\/p>\n<p>\/* CALCULATOR *\/\n.tm-compare-tool {\n    background: #f7f9fc;\n    border: 1px solid #dce7f0;\n    border-radius: 18px;\n    padding: 36px;\n    margin: 65px 0;\n}<\/p>\n<p>.tm-calc-intro {\n    max-width: 850px;\n}<\/p>\n<p>.tm-calc-callout {\n    background: #ffffff;\n    border-left: 4px solid #18b7ea;\n    padding: 18px 20px;\n    margin: 24px 0 30px;\n    border-radius: 8px;\n    font-size: 15px;\n    line-height: 1.6;\n}<\/p>\n<p>.tm-calc-section {\n    margin-top: 30px;\n}<\/p>\n<p>.tm-base-inputs {\n    display: grid;\n    grid-template-columns: repeat(3, minmax(0,1fr));\n    gap: 18px;\n    margin-top: 20px;\n}<\/p>\n<p>.tm-option-grid {\n    display: grid !important;\n    grid-template-columns: repeat(3, minmax(0,1fr)) !important;\n    gap: 18px !important;\n    margin-top: 30px !important;\n    width: 100% !important;\n    align-items: stretch !important;\n}<\/p>\n<p>.tm-option-grid > .tm-option {\n    width: 100% !important;\n    max-width: none !important;\n    min-width: 0 !important;\n    margin: 0 !important;\n    float: none !important;\n}<\/p>\n<p>.tm-option {\n    background: #ffffff;\n    border: 1px solid #dce7f0;\n    border-radius: 14px;\n    padding: 22px;\n}<\/p>\n<p>.tm-option-current {\n    border-top: 5px solid #0047b3;\n}<\/p>\n<p>.tm-option:not(.tm-option-current) {\n    border-top: 5px solid #18b7ea;\n}<\/p>\n<p>.tm-option-heading {\n    display: flex;\n    align-items: center;\n    gap: 12px;\n    margin-bottom: 20px;\n}<\/p>\n<p>.tm-option-number {\n    width: 36px;\n    height: 36px;\n    border-radius: 50%;\n    background: #0047b3;\n    color: #ffffff;\n    font-weight: 800;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    flex: 0 0 36px;\n}<\/p>\n<p>.tm-option-small {\n    font-size: 11px;\n    font-weight: 800;\n    color: #18aee0;\n    letter-spacing: .7px;\n}<\/p>\n<p>.tm-field {\n    margin-bottom: 16px;\n}<\/p>\n<p>.tm-field label {\n    display: block;\n    color: #102a43;\n    font-size: 14px;\n    font-weight: 700;\n    margin-bottom: 6px;\n}<\/p>\n<p>.tm-field input,\n.tm-field select {\n    width: 100%;\n    min-height: 46px;\n    padding: 11px 12px;\n    border: 1px solid #cbd6df;\n    border-radius: 7px;\n    background: #ffffff;\n    color: #333333;\n    font-size: 16px;\n}<\/p>\n<p>.tm-input-money,\n.tm-input-percent,\n.tm-input-years {\n    display: flex;\n    align-items: center;\n    border: 1px solid #cbd6df;\n    border-radius: 7px;\n    background: #ffffff;\n    overflow: hidden;\n}<\/p>\n<p>.tm-input-money span,\n.tm-input-percent span,\n.tm-input-years span {\n    padding: 0 12px;\n    color: #526579;\n    font-size: 15px;\n    white-space: nowrap;\n}<\/p>\n<p>.tm-input-money input,\n.tm-input-percent input,\n.tm-input-years input {\n    border: 0;\n    border-radius: 0;\n}<\/p>\n<p>.tm-calc-action {\n    text-align: center;\n    margin-top: 32px;\n}<\/p>\n<p>.tm-calc-button {\n    border: 0;\n    background: #0047b3;\n    color: #ffffff;\n    padding: 15px 30px;\n    border-radius: 7px;\n    font-size: 16px;\n    font-weight: 700;\n    cursor: pointer;\n}<\/p>\n<p>.tm-calc-action-note {\n    font-size: 13px !important;\n    color: #6f7e8d;\n    margin-top: 10px !important;\n}<\/p>\n<p>.tm-calc-message {\n    margin-top: 15px;\n    text-align: center;\n    font-size: 14px;\n    font-weight: 700;\n}<\/p>\n<p>.tm-results {\n    margin-top: 38px;\n}<\/p>\n<p>.tm-results[hidden] {\n    display: none !important;\n}<\/p>\n<p>.tm-result-table-wrap {\n    overflow-x: auto;\n}<\/p>\n<p>.tm-result-table {\n    width: 100%;\n    min-width: 760px;\n    border-collapse: collapse;\n    background: #ffffff;\n}<\/p>\n<p>.tm-result-table th,\n.tm-result-table td {\n    border: 1px solid #dce7f0;\n    padding: 13px;\n    text-align: center;\n    font-size: 14px;\n}<\/p>\n<p>.tm-result-table th {\n    background: #102a43;\n    color: #ffffff;\n}<\/p>\n<p>.tm-result-table td:first-child {\n    text-align: left;\n    font-weight: 700;\n    color: #102a43;\n}<\/p>\n<p>.tm-difference-box {\n    background: #eef8fc;\n    border-radius: 12px;\n    padding: 24px;\n    margin-top: 24px;\n}<\/p>\n<p>.tm-result-cta {\n    text-align: center;\n    background: #ffffff;\n    border: 1px solid #dce7f0;\n    border-radius: 12px;\n    padding: 24px;\n    margin-top: 22px;\n}<\/p>\n<p>.tm-inline-cta {\n    background: #0047b3;\n    color: #ffffff !important;\n}<\/p>\n<p>.tm-calculator-note {\n    font-size: 13px !important;\n    color: #718091;\n    margin-top: 22px !important;\n}<\/p>\n<p>\/* CARDS *\/\n.tm-renewal-grid {\n    display: grid;\n    grid-template-columns: repeat(2,1fr);\n    gap: 18px;\n    margin-top: 26px;\n}<\/p>\n<p>.tm-renewal-card,\n.tm-choice-card {\n    background: #ffffff;\n    border: 1px solid #dce7f0;\n    border-radius: 12px;\n    padding: 25px;\n}<\/p>\n<p>.tm-card-icon {\n    width: 42px;\n    height: 42px;\n    border-radius: 10px;\n    background: #eef8fc;\n    color: #0047b3;\n    font-weight: 800;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    margin-bottom: 15px;\n}<\/p>\n<p>.tm-two-column {\n    display: grid;\n    grid-template-columns: repeat(2,1fr);\n    gap: 20px;\n    margin: 28px 0;\n}<\/p>\n<p>.tm-three-choice-grid {\n    display: grid;\n    grid-template-columns: repeat(3,1fr);\n    gap: 18px;\n    margin-top: 28px;\n}<\/p>\n<p>.tm-choice-number {\n    font-size: 30px;\n    color: #18aee0;\n    font-weight: 800;\n    margin-bottom: 12px;\n}<\/p>\n<p>.tm-check-grid {\n    display: grid;\n    grid-template-columns: repeat(2,1fr);\n    gap: 12px;\n    margin: 25px 0;\n}<\/p>\n<p>.tm-check-item {\n    background: #f7f9fc;\n    border-radius: 8px;\n    padding: 15px 16px;\n    font-size: 15px;\n    font-weight: 600;\n    color: #44546a;\n}<\/p>\n<p>.tm-check-item span {\n    color: #18aee0;\n    font-weight: 800;\n    margin-right: 8px;\n}<\/p>\n<p>\/* PROCESS *\/\n.tm-renewal-process {\n    display: grid;\n    grid-template-columns: repeat(3,1fr);\n    gap: 18px;\n    margin-top: 28px;\n}<\/p>\n<p>.tm-renewal-step {\n    background: #f7f9fc;\n    padding: 25px;\n    border-radius: 12px;\n}<\/p>\n<p>.tm-renewal-step-number {\n    width: 38px;\n    height: 38px;\n    line-height: 38px;\n    border-radius: 50%;\n    background: #0047b3;\n    color: #ffffff;\n    text-align: center;\n    font-weight: 800;\n    margin-bottom: 14px;\n}<\/p>\n<p>\/* FAQ *\/\n.tm-renewal-faq {\n    padding: 22px 0;\n    border-bottom: 1px solid #dce7f0;\n}<\/p>\n<p>\/* CTA *\/\n.tm-renewal-cta {\n    background: linear-gradient(135deg,#0047b3,#18b7ea);\n    color: #ffffff;\n    text-align: center;\n    border-radius: 16px;\n    padding: 48px 35px;\n    margin-top: 70px;\n}<\/p>\n<p>.tm-renewal-cta h2 {\n    color: #ffffff !important;\n}<\/p>\n<p>.tm-renewal-cta p {\n    color: #ffffff !important;\n    max-width: 780px;\n    margin-left: auto;\n    margin-right: auto;\n}<\/p>\n<p>.tm-renewal-cta .tm-renewal-button-primary {\n    background: #ffffff !important;\n    color: #0047b3 !important;\n}<\/p>\n<p>.tm-renewal-response {\n    margin-top: 15px !important;\n    font-weight: 700;\n    font-size: 15px !important;\n}<\/p>\n<p>.tm-cta-small {\n    color: #ffffff;\n    opacity: .9;\n}<\/p>\n<p>\/* MOBILE *\/\n@media only screen and (max-width: 767px) {<\/p>\n<p>    .tm-renewal-page {\n        padding: 15px 15px 40px;\n    }<\/p>\n<p>    .tm-renewal-page h1 {\n        font-size: 32px;\n    }<\/p>\n<p>    .tm-renewal-page h2 {\n        font-size: 27px;\n    }<\/p>\n<p>    .tm-renewal-page h3 {\n        font-size: 20px;\n    }<\/p>\n<p>    .tm-renewal-page p,\n    .tm-renewal-page li {\n        font-size: 16px;\n    }<\/p>\n<p>    .tm-renewal-hero {\n        padding: 30px 22px;\n    }<\/p>\n<p>    .tm-renewal-lead {\n        font-size: 18px !important;\n    }<\/p>\n<p>    .tm-renewal-buttons {\n        flex-direction: column;\n    }<\/p>\n<p>    .tm-renewal-button-primary,\n    .tm-renewal-button-secondary {\n        width: 100%;\n        text-align: center;\n    }<\/p>\n<p>    .tm-base-inputs,\n    .tm-option-grid,\n    .tm-renewal-grid,\n    .tm-two-column,\n    .tm-three-choice-grid,\n    .tm-check-grid,\n    .tm-renewal-process {\n        grid-template-columns: 1fr !important;\n    }<\/p>\n<p>    .tm-compare-tool {\n        padding: 25px 18px;\n    }<\/p>\n<p>    .tm-renewal-cta {\n        padding: 35px 22px;\n    }\n}\n<\/style>\n<div class=\"tm-renewal-page\" data-lang=\"fr\">\n<section class=\"tm-renewal-hero\">\n<div class=\"tm-renewal-eyebrow\">\n        Renouvellement hypoth\u00e9caire \u2014 Montr\u00e9al et Qu\u00e9bec\n    <\/div>\n<h1>\n        Renouvellement hypoth\u00e9caire \u00e0 Montr\u00e9al et au Qu\u00e9bec : comparez avant de signer<br \/>\n    <\/h1>\n<p class=\"tm-renewal-lead\">\n        Votre hypoth\u00e8que arrive bient\u00f4t \u00e0 \u00e9ch\u00e9ance et votre pr\u00eateur vous a transmis une offre de renouvellement?<br \/>\n        Avant de signer pour un nouveau terme, prenez le temps de comparer le taux, le paiement et les conditions propos\u00e9es.\n    <\/p>\n<p>\n        J\u2019aide les propri\u00e9taires \u00e0 Montr\u00e9al, Laval, Longueuil, Brossard et partout au Qu\u00e9bec<br \/>\n        \u00e0 analyser leur offre de renouvellement hypoth\u00e9caire et \u00e0 comparer les options disponibles aupr\u00e8s de plusieurs pr\u00eateurs.\n    <\/p>\n<div class=\"tm-renewal-buttons\">\n        <a class=\"tm-renewal-button-primary\" href=\"#send-renewal\"><br \/>\n            Envoyez-moi votre offre de renouvellement<br \/>\n        <\/a><\/p>\n<p>        <a class=\"tm-renewal-button-secondary\" href=\"#compare-renewal\"><br \/>\n            Comparer mes offres<br \/>\n        <\/a>\n    <\/div>\n<p class=\"tm-renewal-fast-response\">\n        Vous avez d\u00e9j\u00e0 re\u00e7u votre offre? Envoyez-la-moi et je vous r\u00e9pondrai dans les 24 heures.\n    <\/p>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Avant de renouveler<\/div>\n<h2>Votre taux de renouvellement hypoth\u00e9caire est-il comp\u00e9titif?<\/h2>\n<p>\n        Recevoir une offre de votre pr\u00eateur actuel ne signifie pas n\u00e9cessairement que vous devez l\u2019accepter imm\u00e9diatement.\n    <\/p>\n<p>\n        Votre banque peut vous proposer plusieurs taux ou plusieurs termes.<br \/>\n        Son offre peut \u00eatre tout \u00e0 fait comp\u00e9titive \u2014 mais la seule fa\u00e7on de r\u00e9ellement le savoir<br \/>\n        est de la comparer avec les autres options disponibles pour votre situation.\n    <\/p>\n<div class=\"tm-renewal-highlight\">\n<h3>Comparez d\u2019abord. D\u00e9cidez ensuite.<\/h3>\n<p>\n            Dans certains dossiers, rester avec le pr\u00eateur actuel peut \u00eatre une tr\u00e8s bonne d\u00e9cision.<br \/>\n            Dans d\u2019autres, un autre pr\u00eateur peut offrir un taux, un paiement ou des conditions plus int\u00e9ressants.\n        <\/p>\n<\/p><\/div>\n<p>\n        L\u2019objectif n\u2019est donc pas de changer de banque \u00e0 tout prix,<br \/>\n        mais de savoir ce que vous acceptez avant de vous engager pour un nouveau terme hypoth\u00e9caire.\n    <\/p>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">N\u00e9gocier votre renouvellement<\/div>\n<h2>Peut-on n\u00e9gocier son taux de renouvellement hypoth\u00e9caire?<\/h2>\n<p>\n        Vous pouvez demander \u00e0 votre pr\u00eateur de revoir l\u2019offre qu\u2019il vous a pr\u00e9sent\u00e9e.\n    <\/p>\n<p>\n        Mais avant de n\u00e9gocier, il est utile de savoir quelles autres options<br \/>\n        peuvent r\u00e9ellement \u00eatre disponibles pour votre hypoth\u00e8que.\n    <\/p>\n<div class=\"tm-renewal-warning\">\n<h3>Vous souhaitez rester avec votre banque?<\/h3>\n<p>Vous pouvez quand m\u00eame comparer.<\/p>\n<p>\n            Conna\u00eetre les offres disponibles ailleurs peut vous aider \u00e0 mieux \u00e9valuer<br \/>\n            le taux et les conditions propos\u00e9s par votre pr\u00eateur actuel.\n        <\/p>\n<\/p><\/div>\n<\/section>\n<section id=\"compare-renewal\" class=\"tm-compare-tool\">\n<div class=\"tm-section-label\">Comparateur de renouvellement<\/div>\n<h2>Comparez vos offres de renouvellement hypoth\u00e9caire<\/h2>\n<p class=\"tm-calc-intro\">\n        Entrez l\u2019offre de votre pr\u00eateur actuel et comparez-la avec jusqu\u2019\u00e0 deux autres options<br \/>\n        en utilisant le m\u00eame solde hypoth\u00e9caire et le m\u00eame amortissement restant.\n    <\/p>\n<div class=\"tm-calc-callout\">\n        <strong>Important :<\/strong><br \/>\n        comparez des offres correspondant au m\u00eame type d\u2019hypoth\u00e8que et de propri\u00e9t\u00e9.<br \/>\n        Un taux obtenu par quelqu\u2019un d\u2019autre ou affich\u00e9 en ligne ne s\u2019applique pas n\u00e9cessairement \u00e0 votre dossier.\n    <\/div>\n<div class=\"tm-calc-section\">\n<h3>Votre hypoth\u00e8que<\/h3>\n<div class=\"tm-base-inputs\">\n<div class=\"tm-field\">\n                <label for=\"tmBalance\">Solde hypoth\u00e9caire restant<\/label><\/p>\n<div class=\"tm-input-money\">\n                    <span>$<\/span><br \/>\n                    <input id=\"tmBalance\" type=\"number\" min=\"1\" step=\"1000\" placeholder=\"350000\">\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmAmortization\">Amortissement restant<\/label><\/p>\n<div class=\"tm-input-years\">\n                    <input id=\"tmAmortization\" type=\"number\" min=\"1\" max=\"40\" step=\"1\" placeholder=\"20\"><br \/>\n                    <span>ans<\/span>\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmFrequency\">Fr\u00e9quence des paiements<\/label><br \/>\n                <select id=\"tmFrequency\"><option value=\"12\">Mensuel<\/option><option value=\"24\">Deux fois par mois<\/option><option value=\"26\">Aux deux semaines<\/option><option value=\"52\">Hebdomadaire<\/option><\/select>\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmPropertyType\">Type de propri\u00e9t\u00e9<\/label><br \/>\n                <select id=\"tmPropertyType\"><option value=\"\">S\u00e9lectionnez<\/option><option>Maison unifamiliale<\/option><option>Condo<\/option><option>Duplex \/ Plex<\/option><option>Immeuble locatif<\/option><option>Autre<\/option><\/select>\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmOccupancy\">Occupation<\/label><br \/>\n                <select id=\"tmOccupancy\"><option value=\"\">S\u00e9lectionnez<\/option><option>Propri\u00e9taire occupant<\/option><option>Locatif<\/option><\/select>\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmInsuranceStatus\">Statut de l\u2019hypoth\u00e8que<\/label><br \/>\n                <select id=\"tmInsuranceStatus\"><option value=\"\">Je ne sais pas<\/option><option>Assur\u00e9e<\/option><option>Assurable<\/option><option>Non assur\u00e9e<\/option><\/select>\n            <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"tm-option-grid\">\n<div class=\"tm-option tm-option-current\">\n<div class=\"tm-option-heading\">\n                <span class=\"tm-option-number\">1<\/span><\/p>\n<div>\n                    <span class=\"tm-option-small\">VOTRE PR\u00caTEUR ACTUEL<\/span><\/p>\n<h3>Offre de renouvellement<\/h3>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmName1\">Pr\u00eateur<\/label><br \/>\n                <input id=\"tmName1\" type=\"text\" placeholder=\"Votre pr\u00eateur actuel\">\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmRate1\">Taux d\u2019int\u00e9r\u00eat<\/label><\/p>\n<div class=\"tm-input-percent\">\n                    <input id=\"tmRate1\" type=\"number\" min=\"0\" max=\"30\" step=\"0.01\" placeholder=\"4.24\"><br \/>\n                    <span>%<\/span>\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmTerm1\">Terme<\/label><br \/>\n                <select id=\"tmTerm1\"><option value=\"1\">1 an<\/option><option value=\"2\">2 ans<\/option><option value=\"3\">3 ans<\/option><option value=\"4\">4 ans<\/option><option value=\"5\" selected>5 ans<\/option><\/select>\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmType1\">Type de taux<\/label><br \/>\n                <select id=\"tmType1\"><option value=\"Fixed\">Fixe<\/option><option value=\"Variable\">Variable<\/option><option value=\"Adjustable\">Ajustable<\/option><\/select>\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmFees1\">Frais estim\u00e9s<\/label><\/p>\n<div class=\"tm-input-money\">\n                    <span>$<\/span><br \/>\n                    <input id=\"tmFees1\" type=\"number\" min=\"0\" step=\"1\" value=\"0\">\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmCashback1\">Remise en argent \/ incitatif<\/label><\/p>\n<div class=\"tm-input-money\">\n                    <span>$<\/span><br \/>\n                    <input id=\"tmCashback1\" type=\"number\" min=\"0\" step=\"1\" value=\"0\">\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmPrepay1\">Remboursement anticip\u00e9<\/label><br \/>\n                <input id=\"tmPrepay1\" type=\"text\" placeholder=\"Exemple : 15 %\">\n            <\/div>\n<\/p><\/div>\n<div class=\"tm-option\">\n<div class=\"tm-option-heading\">\n                <span class=\"tm-option-number\">2<\/span><\/p>\n<div>\n                    <span class=\"tm-option-small\">\u00c0 COMPARER<\/span><\/p>\n<h3>Autre pr\u00eateur<\/h3>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmName2\">Pr\u00eateur<\/label><br \/>\n                <input id=\"tmName2\" type=\"text\" placeholder=\"Nom du pr\u00eateur\">\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmRate2\">Taux d\u2019int\u00e9r\u00eat<\/label><\/p>\n<div class=\"tm-input-percent\">\n                    <input id=\"tmRate2\" type=\"number\" min=\"0\" max=\"30\" step=\"0.01\" placeholder=\"4.09\"><br \/>\n                    <span>%<\/span>\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmTerm2\">Terme<\/label><br \/>\n                <select id=\"tmTerm2\"><option value=\"1\">1 an<\/option><option value=\"2\">2 ans<\/option><option value=\"3\">3 ans<\/option><option value=\"4\">4 ans<\/option><option value=\"5\" selected>5 ans<\/option><\/select>\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmType2\">Type de taux<\/label><br \/>\n                <select id=\"tmType2\"><option value=\"Fixed\">Fixe<\/option><option value=\"Variable\">Variable<\/option><option value=\"Adjustable\">Ajustable<\/option><\/select>\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmFees2\">Frais estim\u00e9s<\/label><\/p>\n<div class=\"tm-input-money\">\n                    <span>$<\/span><br \/>\n                    <input id=\"tmFees2\" type=\"number\" min=\"0\" step=\"1\" value=\"0\">\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmCashback2\">Remise en argent \/ incitatif<\/label><\/p>\n<div class=\"tm-input-money\">\n                    <span>$<\/span><br \/>\n                    <input id=\"tmCashback2\" type=\"number\" min=\"0\" step=\"1\" value=\"0\">\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmPrepay2\">Remboursement anticip\u00e9<\/label><br \/>\n                <input id=\"tmPrepay2\" type=\"text\" placeholder=\"Exemple : 20 %\">\n            <\/div>\n<\/p><\/div>\n<div class=\"tm-option\">\n<div class=\"tm-option-heading\">\n                <span class=\"tm-option-number\">3<\/span><\/p>\n<div>\n                    <span class=\"tm-option-small\">\u00c0 COMPARER<\/span><\/p>\n<h3>Autre pr\u00eateur<\/h3>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmName3\">Pr\u00eateur<\/label><br \/>\n                <input id=\"tmName3\" type=\"text\" placeholder=\"Nom du pr\u00eateur\">\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmRate3\">Taux d\u2019int\u00e9r\u00eat<\/label><\/p>\n<div class=\"tm-input-percent\">\n                    <input id=\"tmRate3\" type=\"number\" min=\"0\" max=\"30\" step=\"0.01\" placeholder=\"3.99\"><br \/>\n                    <span>%<\/span>\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmTerm3\">Terme<\/label><br \/>\n                <select id=\"tmTerm3\"><option value=\"1\">1 an<\/option><option value=\"2\">2 ans<\/option><option value=\"3\">3 ans<\/option><option value=\"4\">4 ans<\/option><option value=\"5\" selected>5 ans<\/option><\/select>\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmType3\">Type de taux<\/label><br \/>\n                <select id=\"tmType3\"><option value=\"Fixed\">Fixe<\/option><option value=\"Variable\">Variable<\/option><option value=\"Adjustable\">Ajustable<\/option><\/select>\n            <\/div>\n<div class=\"tm-field\">\n                <label for=\"tmFees3\">Frais estim\u00e9s<\/label><\/p>\n<div class=\"tm-input-money\">\n                    <span>$<\/span><br \/>\n                    <input id=\"tmFees3\" type=\"number\" min=\"0\" step=\"1\" value=\"0\">\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmCashback3\">Remise en argent \/ incitatif<\/label><\/p>\n<div class=\"tm-input-money\">\n                    <span>$<\/span><br \/>\n                    <input id=\"tmCashback3\" type=\"number\" min=\"0\" step=\"1\" value=\"0\">\n                <\/div>\n<\/p><\/div>\n<div class=\"tm-field\">\n                <label for=\"tmPrepay3\">Remboursement anticip\u00e9<\/label><br \/>\n                <input id=\"tmPrepay3\" type=\"text\" placeholder=\"Exemple : 15 %\">\n            <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"tm-calc-action\">\n<p>        <button id=\"tmCalculate\" class=\"tm-calc-button\" type=\"button\"><br \/>\n            Comparer mes offres<br \/>\n        <\/button><\/p>\n<p class=\"tm-calc-action-note\">\n            Comparez le paiement, les int\u00e9r\u00eats, le solde, les frais et les incitatifs.\n        <\/p>\n<\/p><\/div>\n<div id=\"tmCalcMessage\" class=\"tm-calc-message\"><\/div>\n<div id=\"tmResults\" class=\"tm-results\" hidden>\n<div class=\"tm-section-label\">Vos r\u00e9sultats<\/div>\n<h3>Comparaison des offres de renouvellement<\/h3>\n<p>\n            Les chiffres vous permettent de comparer les offres.<br \/>\n            Les conditions du produit hypoth\u00e9caire doivent \u00e9galement \u00eatre prises en compte.\n        <\/p>\n<div class=\"tm-result-table-wrap\">\n<table class=\"tm-result-table\">\n<thead>\n<tr>\n<th>Comparaison<\/th>\n<th id=\"tmHead1\">Pr\u00eateur actuel<\/th>\n<th id=\"tmHead2\">Option 2<\/th>\n<th id=\"tmHead3\">Option 3<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Taux d\u2019int\u00e9r\u00eat<\/td>\n<td id=\"tmResultRate1\"><\/td>\n<td id=\"tmResultRate2\"><\/td>\n<td id=\"tmResultRate3\"><\/td>\n<\/tr>\n<tr>\n<td>Terme<\/td>\n<td id=\"tmResultTerm1\"><\/td>\n<td id=\"tmResultTerm2\"><\/td>\n<td id=\"tmResultTerm3\"><\/td>\n<\/tr>\n<tr>\n<td>Type de taux<\/td>\n<td id=\"tmResultType1\"><\/td>\n<td id=\"tmResultType2\"><\/td>\n<td id=\"tmResultType3\"><\/td>\n<\/tr>\n<tr>\n<td>Paiement estim\u00e9<\/td>\n<td id=\"tmResultPayment1\"><\/td>\n<td id=\"tmResultPayment2\"><\/td>\n<td id=\"tmResultPayment3\"><\/td>\n<\/tr>\n<tr>\n<td>Int\u00e9r\u00eats estim\u00e9s pendant le terme<\/td>\n<td id=\"tmResultInterest1\"><\/td>\n<td id=\"tmResultInterest2\"><\/td>\n<td id=\"tmResultInterest3\"><\/td>\n<\/tr>\n<tr>\n<td>Solde estim\u00e9 \u00e0 la fin du terme<\/td>\n<td id=\"tmResultBalance1\"><\/td>\n<td id=\"tmResultBalance2\"><\/td>\n<td id=\"tmResultBalance3\"><\/td>\n<\/tr>\n<tr>\n<td>Frais estim\u00e9s<\/td>\n<td id=\"tmResultFees1\"><\/td>\n<td id=\"tmResultFees2\"><\/td>\n<td id=\"tmResultFees3\"><\/td>\n<\/tr>\n<tr>\n<td>Remise \/ incitatif<\/td>\n<td id=\"tmResultCashback1\"><\/td>\n<td id=\"tmResultCashback2\"><\/td>\n<td id=\"tmResultCashback3\"><\/td>\n<\/tr>\n<tr>\n<td>Int\u00e9r\u00eats + frais \u2212 incitatif<\/td>\n<td id=\"tmResultCost1\"><\/td>\n<td id=\"tmResultCost2\"><\/td>\n<td id=\"tmResultCost3\"><\/td>\n<\/tr>\n<tr>\n<td>Remboursement anticip\u00e9<\/td>\n<td id=\"tmResultPrepay1\"><\/td>\n<td id=\"tmResultPrepay2\"><\/td>\n<td id=\"tmResultPrepay3\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<div class=\"tm-difference-box\">\n<h3>Comparaison avec votre pr\u00eateur actuel<\/h3>\n<p id=\"tmDifference2\">\n<p id=\"tmDifference3\">\n<\/p><\/div>\n<div class=\"tm-result-cta\">\n<p>\n                Vous ne savez pas si changer de pr\u00eateur en vaut r\u00e9ellement la peine?<br \/>\n                Envoyez-moi votre offre de renouvellement et je pourrai vous aider \u00e0 comparer.\n            <\/p>\n<p>            <a href=\"#send-renewal\" class=\"tm-inline-cta\"><br \/>\n                Envoyez-moi votre offre<br \/>\n            <\/a><\/p><\/div>\n<\/p><\/div>\n<p class=\"tm-calculator-note\">\n        Ce comparateur fournit des estimations \u00e0 titre informatif.<br \/>\n        Les paiements r\u00e9els, les int\u00e9r\u00eats, les frais, les incitatifs et l\u2019admissibilit\u00e9<br \/>\n        d\u00e9pendent du produit hypoth\u00e9caire, du pr\u00eateur et de votre situation.\n    <\/p>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Comparer les taux<\/div>\n<h2>Quelqu\u2019un a obtenu un taux plus bas. Pouvez-vous obtenir le m\u00eame?<\/h2>\n<p>Pas n\u00e9cessairement.<\/p>\n<p>\n        Les taux hypoth\u00e9caires peuvent varier selon le type de propri\u00e9t\u00e9,<br \/>\n        le montant du pr\u00eat, l\u2019\u00e9quit\u00e9 disponible, le statut de l\u2019hypoth\u00e8que et les crit\u00e8res du pr\u00eateur.\n    <\/p>\n<div class=\"tm-renewal-highlight\">\n<h3>Comparez des situations comparables.<\/h3>\n<p>\n            Un taux offert pour une r\u00e9sidence principale assur\u00e9e peut \u00eatre diff\u00e9rent<br \/>\n            de celui disponible pour une hypoth\u00e8que non assur\u00e9e, un immeuble locatif,<br \/>\n            un refinancement ou une autre structure de financement.\n        <\/p>\n<\/p><\/div>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Fixe ou variable<\/div>\n<h2>Taux fixe ou variable au renouvellement?<\/h2>\n<p>\n        Le choix ne devrait pas d\u00e9pendre uniquement du taux le plus bas aujourd\u2019hui.\n    <\/p>\n<div class=\"tm-two-column\">\n<div class=\"tm-choice-card\">\n<h3>Taux fixe<\/h3>\n<p>\n                Le taux demeure le m\u00eame pendant le terme, ce qui offre davantage de pr\u00e9visibilit\u00e9.\n            <\/p>\n<\/p><\/div>\n<div class=\"tm-choice-card\">\n<h3>Taux variable<\/h3>\n<p>\n                Le taux peut \u00e9voluer avec le taux pr\u00e9f\u00e9rentiel du pr\u00eateur.<br \/>\n                Votre capacit\u00e9 \u00e0 absorber des variations doit \u00eatre prise en compte.\n            <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>\n        Votre budget, vos projets futurs et votre tol\u00e9rance aux variations de taux<br \/>\n        sont tous importants dans cette d\u00e9cision.\n    <\/p>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Choisir votre terme<\/div>\n<h2>Renouvellement hypoth\u00e9caire : terme de 3 ans ou de 5 ans?<\/h2>\n<p>\n        Le meilleur choix ne d\u00e9pend pas uniquement du taux.<br \/>\n        Il faut \u00e9galement consid\u00e9rer ce que vous pr\u00e9voyez faire pendant les prochaines ann\u00e9es.\n    <\/p>\n<ul>\n<li>Pensez-vous vendre votre propri\u00e9t\u00e9?<\/li>\n<li>Pourriez-vous avoir besoin de refinancer?<\/li>\n<li>Votre situation familiale ou professionnelle pourrait-elle changer?<\/li>\n<li>Quelle importance accordez-vous \u00e0 la stabilit\u00e9 des paiements?<\/li>\n<li>Avez-vous besoin de flexibilit\u00e9?<\/li>\n<\/ul>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Plus que le taux<\/div>\n<h2>Un taux plus bas ne veut pas toujours dire une meilleure hypoth\u00e8que<\/h2>\n<div class=\"tm-renewal-grid\">\n<div class=\"tm-renewal-card\">\n<div class=\"tm-card-icon\">%<\/div>\n<h3>Taux d\u2019int\u00e9r\u00eat<\/h3>\n<p>Comparez le taux r\u00e9ellement disponible pour votre situation.<\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-card\">\n<div class=\"tm-card-icon\">$<\/div>\n<h3>Paiement<\/h3>\n<p>V\u00e9rifiez l\u2019effet de chaque option sur votre budget.<\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-card\">\n<div class=\"tm-card-icon\">T<\/div>\n<h3>Terme<\/h3>\n<p>Choisissez un terme qui correspond \u00e0 vos projets.<\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-card\">\n<div class=\"tm-card-icon\">+<\/div>\n<h3>Remboursement anticip\u00e9<\/h3>\n<p>Comparez la possibilit\u00e9 de rembourser davantage sans p\u00e9nalit\u00e9.<\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-card\">\n<div class=\"tm-card-icon\">!<\/div>\n<h3>P\u00e9nalit\u00e9s<\/h3>\n<p>V\u00e9rifiez les cons\u00e9quences si vous devez briser l\u2019hypoth\u00e8que avant l\u2019\u00e9ch\u00e9ance.<\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-card\">\n<div class=\"tm-card-icon\">\u2194<\/div>\n<h3>Flexibilit\u00e9<\/h3>\n<p>Les options de portabilit\u00e9 et de refinancement peuvent aussi \u00eatre importantes.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Changer de pr\u00eateur<\/div>\n<h2>Changer de pr\u00eateur au renouvellement : est-ce avantageux?<\/h2>\n<p>Pas n\u00e9cessairement.<\/p>\n<div class=\"tm-check-grid\">\n<div class=\"tm-check-item\"><span>\u2713<\/span>Diff\u00e9rence de paiement<\/div>\n<div class=\"tm-check-item\"><span>\u2713<\/span>Int\u00e9r\u00eats pendant le terme<\/div>\n<div class=\"tm-check-item\"><span>\u2713<\/span>Frais juridiques ou de transfert<\/div>\n<div class=\"tm-check-item\"><span>\u2713<\/span>Remises ou incitatifs<\/div>\n<div class=\"tm-check-item\"><span>\u2713<\/span>Conditions et p\u00e9nalit\u00e9s<\/div>\n<div class=\"tm-check-item\"><span>\u2713<\/span>Flexibilit\u00e9 du produit<\/div>\n<\/p><\/div>\n<div class=\"tm-renewal-warning\">\n<h3>\n            Un taux inf\u00e9rieur de 0,10 % ne signifie pas automatiquement qu\u2019il faut changer de pr\u00eateur.<br \/>\n        <\/h3>\n<p>\n            Il faut regarder l\u2019ensemble de l\u2019offre et d\u00e9terminer si la diff\u00e9rence demeure int\u00e9ressante<br \/>\n            apr\u00e8s les frais, les incitatifs et les conditions.\n        <\/p>\n<\/p><\/div>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Immeubles locatifs<\/div>\n<h2>Vous renouvelez l\u2019hypoth\u00e8que d\u2019une propri\u00e9t\u00e9 locative?<\/h2>\n<p>\n        Une propri\u00e9t\u00e9 locative ne se compare pas n\u00e9cessairement de la m\u00eame fa\u00e7on qu\u2019une r\u00e9sidence principale.\n    <\/p>\n<p>\n        Le type de propri\u00e9t\u00e9, l\u2019\u00e9quit\u00e9 disponible, les revenus locatifs,<br \/>\n        la structure du financement et les crit\u00e8res du pr\u00eateur peuvent influencer les options disponibles.\n    <\/p>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Bien comprendre vos options<\/div>\n<h2>Renouvellement, transfert ou refinancement?<\/h2>\n<div class=\"tm-three-choice-grid\">\n<div class=\"tm-choice-card\">\n<div class=\"tm-choice-number\">01<\/div>\n<h3>Renouvellement<\/h3>\n<p>Vous choisissez un nouveau terme lorsque votre terme actuel arrive \u00e0 \u00e9ch\u00e9ance.<\/p>\n<\/p><\/div>\n<div class=\"tm-choice-card\">\n<div class=\"tm-choice-number\">02<\/div>\n<h3>Transfert<\/h3>\n<p>Vous d\u00e9placez votre hypoth\u00e8que vers un autre pr\u00eateur, sous r\u00e9serve de son approbation.<\/p>\n<\/p><\/div>\n<div class=\"tm-choice-card\">\n<div class=\"tm-choice-number\">03<\/div>\n<h3>Refinancement<\/h3>\n<p>\n                Vous apportez des changements plus importants,<br \/>\n                par exemple augmenter le montant emprunt\u00e9 ou acc\u00e9der \u00e0 l\u2019\u00e9quit\u00e9.\n            <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Mon accompagnement<\/div>\n<h2>Comment je vous aide pour votre renouvellement hypoth\u00e9caire<\/h2>\n<div class=\"tm-renewal-process\">\n<div class=\"tm-renewal-step\">\n<div class=\"tm-renewal-step-number\">1<\/div>\n<h3>Analyser<\/h3>\n<p>\n                Nous regardons votre hypoth\u00e8que actuelle, votre solde,<br \/>\n                votre \u00e9ch\u00e9ance et l\u2019offre re\u00e7ue.\n            <\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-step\">\n<div class=\"tm-renewal-step-number\">2<\/div>\n<h3>Comparer<\/h3>\n<p>\n                Je v\u00e9rifie les options disponibles aupr\u00e8s de plusieurs pr\u00eateurs selon votre situation.\n            <\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-step\">\n<div class=\"tm-renewal-step-number\">3<\/div>\n<h3>D\u00e9cider<\/h3>\n<p>\n                Nous comparons le taux, le paiement et les conditions<br \/>\n                pour vous aider \u00e0 prendre une d\u00e9cision \u00e9clair\u00e9e.\n            <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Questions fr\u00e9quentes<\/div>\n<h2>Questions sur le renouvellement hypoth\u00e9caire<\/h2>\n<div class=\"tm-renewal-faq\">\n<h3>Est-ce que le taux de renouvellement offert par ma banque est bon?<\/h3>\n<p>\n            Cela d\u00e9pend de votre hypoth\u00e8que, de votre propri\u00e9t\u00e9 et des options disponibles pour votre dossier.\n        <\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-faq\">\n<h3>Puis-je n\u00e9gocier mon taux de renouvellement hypoth\u00e9caire?<\/h3>\n<p>\n            Vous pouvez demander \u00e0 votre pr\u00eateur de revoir son offre.<br \/>\n            Comparer d\u2019autres options peut aussi vous aider \u00e0 mieux l\u2019\u00e9valuer.\n        <\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-faq\">\n<h3>Dois-je choisir un taux fixe ou variable?<\/h3>\n<p>\n            Votre budget, vos projets et votre tol\u00e9rance aux variations de taux doivent \u00eatre pris en compte.\n        <\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-faq\">\n<h3>Vaut-il la peine de changer de banque pour obtenir un taux plus bas?<\/h3>\n<p>\n            Pas automatiquement. Il faut comparer le taux avec les frais,<br \/>\n            les incitatifs et les conditions de l\u2019hypoth\u00e8que.\n        <\/p>\n<\/p><\/div>\n<div class=\"tm-renewal-faq\">\n<h3>Peut-on renouveler son hypoth\u00e8que avant l\u2019\u00e9ch\u00e9ance?<\/h3>\n<p>\n            Certaines options peuvent \u00eatre disponibles avant la date d\u2019\u00e9ch\u00e9ance.<br \/>\n            Il faut toutefois v\u00e9rifier les conditions de votre hypoth\u00e8que actuelle,<br \/>\n            les co\u00fbts possibles et les solutions offertes avant de prendre une d\u00e9cision.\n        <\/p>\n<\/p><\/div>\n<\/section>\n<section class=\"tm-content-section\">\n<div class=\"tm-section-label\">Montr\u00e9al et Qu\u00e9bec<\/div>\n<h2>Courtier pour votre renouvellement hypoth\u00e9caire \u00e0 Montr\u00e9al et au Qu\u00e9bec<\/h2>\n<p>\n        Je suis courti\u00e8re hypoth\u00e9caire autoris\u00e9e au Qu\u00e9bec et j\u2019accompagne<br \/>\n        les propri\u00e9taires \u00e0 Montr\u00e9al, Laval, Longueuil, Brossard,<br \/>\n        sur la Rive-Sud, la Rive-Nord et partout au Qu\u00e9bec<br \/>\n        pour analyser et comparer leurs options de renouvellement hypoth\u00e9caire.\n    <\/p>\n<\/section>\n<section id=\"send-renewal\" class=\"tm-renewal-cta\">\n<div class=\"tm-cta-small\">\n        VOUS AVEZ D\u00c9J\u00c0 RE\u00c7U VOTRE OFFRE?\n    <\/div>\n<h2>Envoyez-moi votre offre de renouvellement<\/h2>\n<p>\n        Avant de signer un nouveau terme, laissez-moi v\u00e9rifier le taux,<br \/>\n        le paiement et les conditions et comparer les options disponibles pour votre situation.\n    <\/p>\n<p>    <a class=\"tm-renewal-button-primary\" href=\"https:\/\/thelmamortgages.ca\/about\/contact\/\"><br \/>\n        Envoyez-moi votre offre<br \/>\n    <\/a><\/p>\n<p class=\"tm-renewal-response\">\n        Je vous r\u00e9pondrai dans les 24 heures.\n    <\/p>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Votre renouvellement hypoth\u00e9caire approche? Avant d\u2019accepter la premi\u00e8re offre de votre banque, comparez vos options, vos paiements, vos taux et votre strat\u00e9gie hypoth\u00e9caire.<\/p>\n","protected":false},"author":1,"featured_media":2650,"parent":629,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Renouvellement hypoth\u00e9caire au Qu\u00e9bec : comparez les options avant d\u2019accepter l\u2019offre de votre banque et trouvez une solution adapt\u00e9e \u00e0 votre budget.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thelmamortgages.ca\/fr\/mortgages\/renouvellement-hypothecaire-quebec\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" 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