{"id":1704,"date":"2026-05-20T14:30:41","date_gmt":"2026-05-20T18:30:41","guid":{"rendered":"https:\/\/thelmamortgages.ca\/?p=1704"},"modified":"2026-05-20T14:36:47","modified_gmt":"2026-05-20T18:36:47","slug":"marche-hypothecaire-2026-quebec","status":"publish","type":"post","link":"https:\/\/thelmamortgages.ca\/fr\/non-classifiee\/marche-hypothecaire-2026-quebec\/","title":{"rendered":"March\u00e9 hypoth\u00e9caire 2026 : hausse des taux variables, pression sur les renouvellements et nouvelles r\u00e8gles SCHL"},"content":{"rendered":"<table class=\"es-wrapper\" role=\"none\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td valign=\"top\"><!-- HERO IMAGE --><\/p>\n<table class=\"es-header\" role=\"none\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\">\n<tbody>\n<tr>\n<td align=\"center\" bgcolor=\"#f5f5f5\">\n<table class=\"es-header-body\" role=\"none\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\" bgcolor=\"#ffffff\">\n<tbody>\n<tr>\n<td align=\"left\">\n<table role=\"none\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td align=\"center\" valign=\"top\">\n<table role=\"presentation\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" bgcolor=\"#fff\">\n<tbody>\n<tr>\n<td align=\"center\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-1707 size-medium\" src=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/blog2026-300x200.jpg\" alt=\"taux variables Canada 2026\" width=\"300\" height=\"200\" srcset=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/blog2026-300x200.jpg 300w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/blog2026-1024x682.jpg 1024w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/blog2026-768x512.jpg 768w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/blog2026-272x182.jpg 272w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/05\/blog2026.jpg 1400w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><!-- ARTICLE CONTENT --><\/p>\n<table class=\"es-content\" role=\"none\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\">\n<tbody>\n<tr>\n<td align=\"center\" bgcolor=\"#f5f5f5\">\n<table class=\"es-content-body\" role=\"none\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\" bgcolor=\"#ffffff\">\n<tbody>\n<tr>\n<td style=\"padding: 40px;\" align=\"left\" bgcolor=\"#fff\"><!-- TITLE --><\/p>\n<h2 style=\"font-size: 42px; line-height: 1.2; color: #111111; font-weight: 800; margin-bottom: 30px; text-align: center;\">Pourquoi les taux variables reviennent en force en 2026\u2026 et pourquoi plusieurs propri\u00e9taires commencent \u00e0 ressentir la pression<\/h2>\n<p><!-- INTRO --><\/p>\n<p style=\"font-size: 21px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Pendant plusieurs ann\u00e9es, les Canadiens privil\u00e9giaient massivement les hypoth\u00e8ques \u00e0 taux fixe de 5 ans.<\/span><\/p>\n<p style=\"font-size: 21px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Mais en 2026, le march\u00e9 hypoth\u00e9caire change rapidement\u2026 et plusieurs acheteurs ainsi que propri\u00e9taires commencent \u00e0 r\u00e9aliser que les anciennes strat\u00e9gies ne fonctionnent plus toujours comme avant.<\/span><\/p>\n<p style=\"font-size: 21px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Hausse des paiements hypoth\u00e9caires.<\/span><br \/>\n<span style=\"font-size: 14pt;\">Renouvellements beaucoup plus co\u00fbteux.<\/span><br \/>\n<span style=\"font-size: 14pt;\">Retour des taux variables.<\/span><br \/>\n<span style=\"font-size: 14pt;\">Nouvelles r\u00e8gles SCHL.<\/span><br \/>\n<span style=\"font-size: 14pt;\">Hausse graduelle du stress financier.<\/span><\/p>\n<p style=\"font-size: 21px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Selon les nouvelles donn\u00e9es publi\u00e9es par la SCHL, le comportement des emprunteurs canadiens change fortement en 2026, principalement en raison :<\/span><\/p>\n<ul style=\"font-size: 20px; line-height: 1.9; color: #444; padding-left: 30px;\">\n<li><span style=\"font-size: 14pt;\">des taux d\u2019int\u00e9r\u00eat plus \u00e9lev\u00e9s;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">de la hausse du co\u00fbt de la vie;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">des renouvellements hypoth\u00e9caires sous pression;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">des nouvelles r\u00e8gles d\u2019assurance hypoth\u00e9caire;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">et de l\u2019incertitude \u00e9conomique grandissante.<\/span><\/li>\n<\/ul>\n<p><!-- SECTION --><\/p>\n<h2 style=\"font-size: 34px; color: #111; font-weight: 800; margin-top: 50px; margin-bottom: 25px;\"><span style=\"font-size: 24pt;\">Les taux variables reviennent massivement au Canada<\/span><\/h2>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Une des plus grandes surprises du march\u00e9 hypoth\u00e9caire en 2026 est le retour massif des pr\u00eats \u00e0 taux variables.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Pendant la mont\u00e9e rapide des taux d\u2019int\u00e9r\u00eat en 2022 et 2023, plusieurs emprunteurs avaient compl\u00e8tement abandonn\u00e9 les taux variables.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Aujourd\u2019hui, la situation commence \u00e0 changer.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Selon la SCHL, les taux variables sont redevenus l\u2019option la plus populaire aupr\u00e8s de plusieurs emprunteurs canadiens.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Pourquoi?<\/span><\/p>\n<ul style=\"font-size: 20px; line-height: 1.9; color: #444; padding-left: 30px;\">\n<li><span style=\"font-size: 14pt;\">Les taux variables deviennent parfois plus avantageux que certains taux fixes;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Plusieurs Canadiens croient que les taux pourraient diminuer dans les prochaines ann\u00e9es;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Les emprunteurs h\u00e9sitent maintenant \u00e0 bloquer un taux fixe \u00e9lev\u00e9 pendant 5 ans;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Les termes plus courts deviennent beaucoup plus populaires.<\/span><\/li>\n<\/ul>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">En f\u00e9vrier 2026, les pr\u00eats \u00e0 taux variables repr\u00e9sentaient environ 42 % des nouveaux pr\u00eats hypoth\u00e9caires accord\u00e9s par les banques canadiennes.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Pendant ce temps, le traditionnel taux fixe de 5 ans continue de perdre \u00e9norm\u00e9ment de popularit\u00e9.<\/span><\/p>\n<p><!-- SECTION --><\/p>\n<h2 style=\"font-size: 34px; color: #111; font-weight: 800; margin-top: 60px; margin-bottom: 25px;\"><span style=\"font-size: 24pt;\">Renouvellement hypoth\u00e9caire 2026 : plusieurs propri\u00e9taires sous pression<\/span><\/h2>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Des milliers de propri\u00e9taires canadiens arrivent actuellement au renouvellement d\u2019une hypoth\u00e8que obtenue durant la pand\u00e9mie.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Et c\u2019est maintenant que plusieurs ressentent r\u00e9ellement l\u2019impact des taux plus \u00e9lev\u00e9s.<\/span><\/p>\n<div style=\"background: #f8f5ef; padding: 30px; border-radius: 12px; margin: 35px 0;\">\n<p style=\"font-size: 28px; line-height: 1.5; color: #fffff; font-weight: 800; margin: 0;\">Plusieurs familles passent maintenant de taux entre 1,5 % et 2 %\u2026 \u00e0 des taux de 4 % \u00e0 5 % ou plus.<\/p>\n<\/div>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Pour plusieurs m\u00e9nages, cela repr\u00e9sente des centaines de dollars suppl\u00e9mentaires chaque mois.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Certaines familles d\u00e9couvrent m\u00eame qu\u2019elles doivent compl\u00e8tement revoir leur budget afin de conserver leur propri\u00e9t\u00e9 sans pression financi\u00e8re excessive.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">La SCHL indique \u00e9galement que les risques de pr\u00eats hypoth\u00e9caires en souffrance pourraient continuer d\u2019augmenter si le ch\u00f4mage continue de monter au Canada.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444444; text-align: left;\"><img loading=\"lazy\" class=\"alignleft wp-image-525 size-medium\" src=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2016\/10\/pay-off-faster-300x153.jpg\" alt=\"taux variables Canada 2026\" width=\"300\" height=\"153\" srcset=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2016\/10\/pay-off-faster-300x153.jpg 300w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2016\/10\/pay-off-faster-768x391.jpg 768w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2016\/10\/pay-off-faster-1024x521.jpg 1024w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2016\/10\/pay-off-faster.jpg 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><!-- SECTION --><\/p>\n<h2 style=\"font-size: 34px; color: #111; font-weight: 800; margin-top: 60px; margin-bottom: 25px;\">\u00a0<span style=\"font-size: 24pt;\">Les nouvelles r\u00e8gles SCHL 2026 expliqu\u00e9es simplement<\/span><\/h2>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">M\u00eame si plusieurs propri\u00e9taires ressentent de la pression, certaines nouvelles r\u00e8gles hypoth<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">\u00e9caires cr\u00e9ent aussi de nouvelles opportunit\u00e9s pour les acheteurs.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Depuis les changements introduits par la SCHL, davantage de Canadiens peuvent maintenant acc\u00e9der \u00e0 des hypoth\u00e8ques assur\u00e9es avec des conditions plus flexibles.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Voici les changements les plus importants :<\/span><\/p>\n<ul style=\"font-size: 20px; line-height: 1.9; color: #444; padding-left: 30px;\">\n<li><span style=\"font-size: 14pt;\">Les amortissements de 30 ans sont maintenant accessibles \u00e0 davantage de premiers acheteurs;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">La limite des propri\u00e9t\u00e9s admissibles \u00e0 l\u2019assurance hypoth\u00e9caire est pass\u00e9e de 1 M$ \u00e0 1,5 M$;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Plusieurs acheteurs utilisent maintenant des paiements mensuels plus bas gr\u00e2ce aux amortissements plus longs;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Les pr\u00eats assur\u00e9s connaissent une forte hausse partout au Canada.<\/span><\/li>\n<\/ul>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Ces changements permettent \u00e0 plusieurs acheteurs d\u2019entrer sur le march\u00e9 immobilier malgr\u00e9 les taux plus \u00e9lev\u00e9s.<\/span><\/p>\n<p><!-- SECTION --><\/p>\n<h2 style=\"font-size: 34px; color: #111; font-weight: 800; margin-top: 60px; margin-bottom: 25px;\"><span style=\"font-size: 24pt;\">Les premiers signes de stress apparaissent dans le march\u00e9 immobilier canadien<\/span><\/h2>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">M\u00eame si le syst\u00e8me hypoth\u00e9caire canadien demeure relativement stable, plusieurs indicateurs montrent que les pressions financi\u00e8res augmentent graduellement.<\/span><\/p>\n<ul style=\"font-size: 20px; line-height: 1.9; color: #444; padding-left: 30px;\">\n<li><span style=\"font-size: 14pt;\">Le taux de ch\u00f4mage augmente au Canada;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Le niveau d\u2019endettement des m\u00e9nages demeure tr\u00e8s \u00e9lev\u00e9;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Le co\u00fbt de la vie continue d\u2019augmenter;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">Les renouvellements hypoth\u00e9caires deviennent plus difficiles pour plusieurs familles;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">La proportion d\u2019emprunteurs avec un faible pointage de cr\u00e9dit est en hausse.<\/span><\/li>\n<\/ul>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Selon la SCHL, le ratio dette\/revenu des m\u00e9nages canadiens demeure extr\u00eamement \u00e9lev\u00e9, ce qui augmente la sensibilit\u00e9 du march\u00e9 aux variations des taux d\u2019int\u00e9r\u00eat.<\/span><\/p>\n<p><!-- SECTION --><\/p>\n<h2 style=\"font-size: 34px; color: #111; font-weight: 800; margin-top: 60px; margin-bottom: 25px;\">Ce que les premiers acheteurs doivent comprendre en 2026<img loading=\"lazy\" class=\"wp-image-1383 alignleft\" style=\"text-align: -webkit-left; color: #444444; font-size: 20px;\" src=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/04\/SSA-Blank-EN57-300x300.jpg\" alt=\"\" width=\"149\" height=\"149\" srcset=\"https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/04\/SSA-Blank-EN57-300x300.jpg 300w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/04\/SSA-Blank-EN57-1024x1024.jpg 1024w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/04\/SSA-Blank-EN57-150x150.jpg 150w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/04\/SSA-Blank-EN57-768x768.jpg 768w, https:\/\/thelmamortgages.ca\/wp-content\/uploads\/2026\/04\/SSA-Blank-EN57.jpg 1500w\" sizes=\"(max-width: 149px) 100vw, 149px\" \/><\/h2>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Plusieurs personnes pensent aujourd\u2019hui qu\u2019acheter une propri\u00e9t\u00e9 est devenu impossible.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Mais la r\u00e9alit\u00e9 est souvent beaucoup plus nuanc\u00e9e.<\/span><\/p>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Les acheteurs qui r\u00e9ussissent dans le march\u00e9 actuel sont g\u00e9n\u00e9ralement ceux qui :<\/span><\/p>\n<ul style=\"font-size: 20px; line-height: 1.9; color: #444; padding-left: 30px;\">\n<li><span style=\"font-size: 14pt;\">comprennent r\u00e9ellement leur capacit\u00e9 d\u2019achat;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">pr\u00e9parent leur cr\u00e9dit \u00e0 l\u2019avance;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">connaissent les nouveaux programmes hypoth\u00e9caires disponibles;<\/span><\/li>\n<li><span style=\"font-size: 14pt;\">utilisent une strat\u00e9gie adapt\u00e9e \u00e0 leur situation financi\u00e8re.<\/span><\/li>\n<\/ul>\n<p style=\"font-size: 20px; line-height: 1.8; color: #444;\"><span style=\"font-size: 14pt;\">Dans plusieurs situations, il existe encore des solutions que les acheteurs ne connaissent pas n\u00e9cessairement.<\/span><\/p>\n<p><!-- CTA --><\/p>\n<div style=\"max-width: 1100px; margin: auto; background: linear-gradient(135deg,#0047b3,#18b7ea); padding: 60px 50px; border-radius: 12px; text-align: center; color: #ffffff;\">\n<h2 style=\"font-size: 34px; color: #fff; font-weight: 800; margin-bottom: 25px;\">\ud83d\udce9 Vous avez des questions sur votre hypoth\u00e8que?<\/h2>\n<p style=\"font-size: 21px; line-height: 1.8; color: #ffffff; max-width: 750px; margin: auto; margin-bottom: 35px;\">Que vous soyez premier acheteur, en renouvellement hypoth\u00e9caire ou en refinancement, il existe souvent plus d\u2019options que ce que les gens pensent.<\/p>\n<p style=\"font-size: 21px; line-height: 1.8; color: #ddd; max-width: 750px; margin: auto; margin-bottom: 40px;\">Comprendre les nouvelles tendances hypoth\u00e9caires peut faire une \u00e9norme diff\u00e9rence financi\u00e8re.<\/p>\n<p><a style=\"display: inline-block; background: #caa46d; color: #fff; padding: 18px 35px; font-size: 20px; font-weight: bold; border-radius: 8px; text-decoration: none; margin: 10px;\" href=\"https:\/\/thelmamortgages.ca\/fr\/apply-now\/\"><br \/>\nFaire une demande<br \/>\n<\/a><\/p>\n<p><a style=\"display: inline-block; background: #ffffff; color: #111; padding: 18px 35px; font-size: 20px; font-weight: bold; border-radius: 8px; text-decoration: none; margin: 10px;\" href=\"https:\/\/thelmamortgages.ca\/fr\/contact\/\"><br \/>\nMe contacter<br \/>\n<\/a><\/p>\n<\/div>\n<p><!-- SOURCE --><\/p>\n<div style=\"margin-top: 50px; padding-top: 30px; border-top: 1px solid #ddd;\">\n<p style=\"font-size: 16px; color: #777; line-height: 1.7;\">Source officielle :<br \/>\n<a href=\"https:\/\/www.cmhc-schl.gc.ca\/fr\/professionnels\/marche-du-logement-donnees-et-recherche\/recherche-sur-le-logement\/rapports-de-recherche-sur-le-financement-de-lhabitation\/rapport-sur-le-secteur-des-prets-hypothecaires-residentiels\" onclick=\"__gaTracker('send', 'event', 'outbound-article', 'https:\/\/www.cmhc-schl.gc.ca\/fr\/professionnels\/marche-du-logement-donnees-et-recherche\/recherche-sur-le-logement\/rapports-de-recherche-sur-le-financement-de-lhabitation\/rapport-sur-le-secteur-des-prets-hypothecaires-residentiels', '\\nRapport 2026 de la SCHL sur le secteur hypoth\u00e9caire canadien\\n');\" style=\"color: #b38b59; font-weight: bold; text-decoration: none;\"  target=\"_blank\" rel=\"noopener\"><br \/>\nRapport 2026 de la SCHL sur le secteur hypoth\u00e9caire canadien<br \/>\n<\/a><\/p>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Pourquoi les taux variables reviennent en force en 2026\u2026 et pourquoi plusieurs propri\u00e9taires commencent \u00e0 ressentir la pression Pendant plusieurs ann\u00e9es, les Canadiens privil\u00e9giaient massivement les hypoth\u00e8ques \u00e0 taux fixe de 5 ans. Mais en 2026, le march\u00e9 hypoth\u00e9caire change rapidement\u2026 et plusieurs acheteurs ainsi que propri\u00e9taires commencent \u00e0 r\u00e9aliser que les anciennes strat\u00e9gies ne [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Analyse du march\u00e9 hypoth\u00e9caire 2026 au Canada : taux variables, renouvellements sous pression, r\u00e8gles SCHL et impact sur acheteurs au Qu\u00e9bec.\" \/>\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\/non-classifiee\/marche-hypothecaire-2026-quebec\/\" \/>\n<meta property=\"og:locale\" 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