{"id":14738,"date":"2017-01-08T15:21:31","date_gmt":"2017-01-08T20:21:31","guid":{"rendered":"http:\/\/www.viacapitalevendu.com\/blogue\/?p=14738"},"modified":"2017-01-12T09:34:01","modified_gmt":"2017-01-12T14:34:01","slug":"endettement-record-obstacle","status":"publish","type":"post","link":"https:\/\/www.viacapitalevendu.com\/blogue\/fr\/endettement-record-obstacle\/","title":{"rendered":"L\u2019endettement record: un obstacle"},"content":{"rendered":"

Au resserrement de l\u2019acc\u00e8s aux pr\u00eats hypoth\u00e9caires, en vigueur depuis octobre dernier, s\u2019ajoute l\u2019endettement record des Canadiens (incluant les pr\u00eats hypoth\u00e9caires), atteint \u00e0 peu pr\u00e8s au m\u00eame moment de l\u2019ann\u00e9e 2016. Pas surprenant que l\u2019on assiste \u00e0 un d\u00e9but de ralentissement sur le march\u00e9 de l\u2019immobilier.<\/p>\n

\"iStock\"<\/a>
iStock<\/figcaption><\/figure>\n

Et ce sera quoi si les taux d\u2019int\u00e9r\u00eat se mettent \u00e0 grimper en 2017?<\/p>\n

Les Canadiens ont peu de contr\u00f4le sur les taux d\u2019int\u00e9r\u00eat et l\u2019acc\u00e8s aux pr\u00eats hypoth\u00e9caires. Par contre, eux seuls peuvent diminuer leur niveau d\u2019endettement. \u00c0 travers un sondage de la Banque CIBC, ils ont exprim\u00e9 leur ferme intention de s\u2019y attaquer d\u00e8s cette ann\u00e9e, dans une proportion de 30%. C\u2019est le taux le plus \u00e9lev\u00e9 depuis 2010. C\u2019est plut\u00f4t rassurant.
\nLe probl\u00e8me<\/strong>, c\u2019est que \u00e7a fait sept ans que les Canadiens d\u00e9signent la diminution de leur taux d\u2019endettement comme leur priorit\u00e9 financi\u00e8re, et rien ne bouge. Pire: dans le sondage de CIBC, peu d\u2019entre eux ont manifest\u00e9 le d\u00e9sir d\u2019aller chercher conseil aupr\u00e8s d\u2019un expert.<\/p>\n

Voici les principales donn\u00e9es du sondage rapport\u00e9es textuellement:<\/p>\n

    \n
  • 28 % des Canadiens disent que le remboursement des dettes est leur principale priorit\u00e9 financi\u00e8re pour 2017.<\/li>\n<\/ul>\n

    Parmi les r\u00e9pondants qui accordent la priorit\u00e9 au remboursement de leurs dettes, la vaste majorit\u00e9 (76 %) est surtout pr\u00e9occup\u00e9e par le remboursement de la dette li\u00e9e aux cartes de cr\u00e9dit et aux marges de cr\u00e9dit.<\/p>\n

    R\u00e9sultat encourageant<\/strong> : 70 % des Canadiens affirment qu’ils n’ont contract\u00e9 aucune nouvelle dette au cours des 12 derniers mois, contre 28 % pour qui ce fut le cas.<\/p>\n

    Parmi ceux qui ont vu leur dette augmenter, pr\u00e8s d’un tiers (32 %) a indiqu\u00e9 que la gestion de d\u00e9penses courantes sup\u00e9rieures \u00e0 leur revenu mensuel \u00e9tait la principale raison de l’accumulation de leurs dettes.<\/p>\n

    \u00c0 peine plus de la moiti\u00e9 des r\u00e9pondants (52 %) pr\u00e9voit r\u00e9duire leurs d\u00e9penses li\u00e9es aux articles non essentiels afin d’atteindre leurs objectifs financiers de 2017.<\/p>\n

    Seulement un quart des Canadiens (26 %) \u00e9tablira un budget pour son m\u00e9nage, et un nombre encore moins \u00e9lev\u00e9 (12 %) rencontrera un conseiller afin d’obtenir des conseils professionnels sur la fa\u00e7on de r\u00e9duire ses dettes et d’atteindre ses objectifs financiers.<\/p>\n

    Photo : istock.com<\/p>\n","protected":false},"excerpt":{"rendered":"

    Au resserrement de l\u2019acc\u00e8s aux pr\u00eats hypoth\u00e9caires, en vigueur depuis octobre dernier, s\u2019ajoute l\u2019endettement record des Canadiens (incluant les pr\u00eats hypoth\u00e9caires), atteint \u00e0 peu pr\u00e8s au m\u00eame moment de l\u2019ann\u00e9e 2016. Pas surprenant que l\u2019on assiste \u00e0 un d\u00e9but de ralentissement sur le march\u00e9 de l\u2019immobilier. Et ce sera quoi si les taux d\u2019int\u00e9r\u00eat se […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4576],"tags":[6318,636,1621,6316,1997],"class_list":["post-14738","post","type-post","status-publish","format-standard","hentry","category-immobilier-pro","tag-depenses-courantes","tag-dettes","tag-prets-hypothecaires","tag-sondage-cibc","tag-taux-dinteret"],"yoast_head":"\r\nL\u2019endettement record: un obstacle - Blogue de Via Capitale<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.viacapitalevendu.com\/blogue\/fr\/endettement-record-obstacle\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"L\u2019endettement record: un obstacle - Blogue de Via Capitale\" \/>\r\n<meta property=\"og:description\" content=\"Au resserrement de l\u2019acc\u00e8s aux pr\u00eats hypoth\u00e9caires, en vigueur depuis octobre dernier, s\u2019ajoute l\u2019endettement record des Canadiens (incluant les pr\u00eats hypoth\u00e9caires), atteint \u00e0 peu pr\u00e8s au m\u00eame moment de l\u2019ann\u00e9e 2016. 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