{"id":20497,"date":"2025-04-08T00:00:37","date_gmt":"2025-04-08T04:00:37","guid":{"rendered":"https:\/\/sothebysrealty.ca\/insightblog\/en\/?p=20497"},"modified":"2025-05-15T13:38:25","modified_gmt":"2025-05-15T17:38:25","slug":"how-interest-rates-impact-the-market","status":"publish","type":"post","link":"https:\/\/sothebysrealty.ca\/insightblog\/fr\/2025\/04\/08\/how-interest-rates-impact-the-market\/","title":{"rendered":"Comment les taux d&rsquo;int\u00e9r\u00eat influencent le march\u00e9"},"content":{"rendered":"<p><\/p>\n<blockquote><p>Au Canada, le taux directeur \u2013 soit le taux auquel les banques peuvent emprunter de l&rsquo;argent lorsqu&rsquo;elles sont \u00e0 court de fonds de r\u00e9serve \u2013 est d\u00e9termin\u00e9 par la Banque du Canada. Les fluctuations des taux d&rsquo;int\u00e9r\u00eat ont un impact sur presque tous les aspects de l&rsquo;\u00e9conomie. Voici certaines des mani\u00e8res dont les taux d&rsquo;int\u00e9r\u00eat peuvent fa\u00e7onner le march\u00e9 immobilier.<\/p><\/blockquote>\n<div class=\"image_block_single\"><img decoding=\"async\" src=\"https:\/\/sothebysrealty.ca\/insightblog\/wp-content\/uploads\/2024\/02\/177-Gloucester-Ave-Oakville-ON.jpg\" alt=\"\"><a href=\"\" target=\"_blank\">177 Gloucester Ave, Oakville, ON<\/a><\/div>\n<blockquote><p><strong>Taux hypoth\u00e9caires<\/strong><\/p>\n<p>Les taux hypoth\u00e9caires sont directement impact\u00e9s par les changements de taux d&rsquo;int\u00e9r\u00eat. Lorsque le taux directeur est plus \u00e9lev\u00e9, les banques augmentent en cons\u00e9quence les co\u00fbts des hypoth\u00e8ques, ce qui peut r\u00e9duire le nombre d&rsquo;acheteurs potentiels qui seront qualifi\u00e9s et capables de se permettre une hypoth\u00e8que.<\/p><\/blockquote>\n<div class=\"image_block_single\"><img decoding=\"async\" src=\"https:\/\/sothebysrealty.ca\/insightblog\/wp-content\/uploads\/2024\/02\/905-373-Tyee-Road-Victoria-BC.jpg\" alt=\"\"><a href=\"\" target=\"_blank\">905-373 Tyee Road, Victoria, BC<\/a><\/div>\n<blockquote><p><strong>Offre et Demande du March\u00e9<\/strong><\/p>\n<p>Lorsque les taux d&rsquo;int\u00e9r\u00eat sont bas, plus de personnes peuvent se permettre une hypoth\u00e8que, ce qui peut entra\u00eener une augmentation de la demande et de la concurrence parmi les acheteurs. Cela peut conduire \u00e0 des prix de vente plus \u00e9lev\u00e9s, alors que les acheteurs se disputent un nombre limit\u00e9 de maisons disponibles sur le march\u00e9. \u00c0 l&rsquo;inverse, lorsque les taux d&rsquo;int\u00e9r\u00eat sont en hausse, les propri\u00e9taires peuvent se h\u00e2ter de vendre leurs maisons de peur qu&rsquo;ils ne soient bient\u00f4t plus en mesure de se permettre leurs paiements hypoth\u00e9caires. La demande des acheteurs sera plus faible, donc les vendeurs devront peut-\u00eatre se contenter d&rsquo;un prix de vente inf\u00e9rieur \u00e0 ce qu&rsquo;ils esp\u00e9raient.<\/p><\/blockquote>\n<div class=\"image_block_single\"><img decoding=\"async\" src=\"https:\/\/sothebysrealty.ca\/insightblog\/wp-content\/uploads\/2024\/02\/24-Av.-Nelson-Outremont-QC.jpg\" alt=\"\"><a href=\"\" target=\"_blank\">24 Av. Nelson, Outremont, QC<\/a><\/div>\n<blockquote><p><strong>March\u00e9 Locatif<\/strong><\/p>\n<p>Lorsque les taux d&rsquo;int\u00e9r\u00eat sont \u00e9lev\u00e9s, de nombreuses personnes qui envisageaient de devenir propri\u00e9taires pour la premi\u00e8re fois peuvent reporter leur d\u00e9cision d&rsquo;acheter et continuer \u00e0 louer \u00e0 la place. Cela peut entra\u00eener une augmentation de la concurrence sur le march\u00e9 locatif, ce qui peut inciter les propri\u00e9taires \u00e0 augmenter les co\u00fbts de loyer mensuels.<\/p><\/blockquote>\n<div class=\"image_block_single\"><img decoding=\"async\" src=\"https:\/\/sothebysrealty.ca\/insightblog\/wp-content\/uploads\/2024\/02\/1250-Waldmere-Road-_Lot-3-Bracebridge-ON.jpg\" alt=\"\"><a href=\"https:\/\/sothebysrealty.ca\/en\/property\/ontario\/region-muskoka\/bracebridge-real-estate\/1270939\/1250-waldmere-road-nolot-3\/\" target=\"_blank\">1250 Waldmere Road #Lot 3, Bracebridge, ON<\/a><\/div>\n<blockquote><p><strong>Investissement Immobilier<\/strong><\/p>\n<p>Ceux qui cherchent \u00e0 augmenter leur portefeuille immobilier peuvent voir les p\u00e9riodes de taux d&rsquo;int\u00e9r\u00eat bas comme un moment id\u00e9al pour le faire. Encore une fois, cela ajoute \u00e0 la demande sur le march\u00e9 du logement, ce qui peut augmenter davantage les prix demand\u00e9s sur les nouvelles maisons. Pour ceux qui poss\u00e8dent d\u00e9j\u00e0 des propri\u00e9t\u00e9s d&rsquo;investissement, les p\u00e9riodes de taux plus \u00e9lev\u00e9s peuvent \u00eatre souhaitables car il y aura plus de personnes cherchant \u00e0 louer des maisons, leur permettant d&rsquo;augmenter les prix des loyers.<\/p><\/blockquote>\n<div class=\"image_block_single\"><img decoding=\"async\" src=\"https:\/\/sothebysrealty.ca\/insightblog\/wp-content\/uploads\/2024\/02\/312-Elveden-Court-Calgary-AB.jpg\" alt=\"\"><a href=\"\" target=\"_blank\">312 Elveden Court, Calgary, AB<\/a><\/div>\n<blockquote><p><strong>Nouvelle Construction<\/strong><\/p>\n<p>Les taux d&rsquo;int\u00e9r\u00eat bas sont favorables pour les promoteurs cherchant \u00e0 investir dans de nouveaux projets de logement. \u00c9tant donn\u00e9 que le co\u00fbt de l&#8217;emprunt est faible et la demande de logement est \u00e9lev\u00e9e, il y a moins de risques impliqu\u00e9s dans la prise de pr\u00eats pour construire de nouvelles maisons. En contraste, les constructeurs ont tendance \u00e0 diff\u00e9rer de nouveaux projets lorsque les taux d&rsquo;int\u00e9r\u00eat augmentent, ce qui peut entra\u00eener une r\u00e9duction de l&rsquo;offre de logement.<\/p><\/blockquote>\n<div class=\"image_block_single\"><img decoding=\"async\" src=\"https:\/\/sothebysrealty.ca\/insightblog\/wp-content\/uploads\/2024\/02\/3900-Av.-De-Ramezay-Ville-Marie-QC-2.jpg\" alt=\"\"><a href=\"https:\/\/sothebysrealty.ca\/en\/property\/quebec\/region-montreal\/ville-marie-real-estate\/1601129\/3900-av-de-ramezay\/\" target=\"_blank\">3900 Av. De Ramezay, Ville-Marie, QC<\/a><\/div>\n<blockquote><p><strong>Taux Fixe vs. Taux Variable<\/strong><\/p>\n<p>Les taux d&rsquo;int\u00e9r\u00eat influencent les d\u00e9cisions des acheteurs quant \u00e0 opter pour une hypoth\u00e8que \u00e0 taux fixe (HTF) ou une hypoth\u00e8que \u00e0 taux variable (HTV). Alors que les HTV commencent g\u00e9n\u00e9ralement \u00e0 un taux initial plus bas, elles peuvent augmenter en fonction des tendances du march\u00e9 alors que les HTF garantissent que vos paiements hypoth\u00e9caires mensuels resteront stables. G\u00e9n\u00e9ralement, une HTV peut \u00eatre la meilleure option si les taux d&rsquo;int\u00e9r\u00eat sont actuellement \u00e9lev\u00e9s et attendus \u00e0 baisser, tandis que les HTF sont une d\u00e9cision judicieuse lorsque les taux d&rsquo;int\u00e9r\u00eat sont bas.<\/p>\n<p>Pour en savoir plus sur les tendances du march\u00e9 immobilier, <a href=\"https:\/\/sothebysrealty.ca\/fr\/contact-real-estate-agent\/\">connectez-vous avec l&rsquo;un de nos experts<\/a> sp\u00e9cialis\u00e9s dans votre r\u00e9gion.<\/p><\/blockquote>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Au Canada, le taux directeur \u2013 soit le taux auquel les banques peuvent emprunter de l&rsquo;argent lorsqu&rsquo;elles sont \u00e0 court de fonds de r\u00e9serve \u2013 est d\u00e9termin\u00e9 par la Banque&#8230;<\/p>\n","protected":false},"author":31,"featured_media":21509,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[386],"tags":[557,760,1006,1649,399],"class_list":["post-20497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-tips","tag-sothebys-internationa-realty-canada","tag-real-estate-market","tag-real-estate-market-canada","tag-interest-rate-canada","tag-canada-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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