{"id":22180,"date":"2026-06-12T00:00:12","date_gmt":"2026-06-12T04:00:12","guid":{"rendered":"https:\/\/sothebysrealty.ca\/insightblog\/en\/?p=22180"},"modified":"2026-06-09T18:04:18","modified_gmt":"2026-06-09T22:04:18","slug":"first-time-homebuyers-costs-of-owning-a-home","status":"publish","type":"post","link":"https:\/\/sothebysrealty.ca\/insightblog\/fr\/2026\/06\/12\/first-time-homebuyers-costs-of-owning-a-home\/","title":{"rendered":"Premiers acheteurs : les co\u00fbts li\u00e9s \u00e0 l\u2019achat d\u2019une propri\u00e9t\u00e9"},"content":{"rendered":"

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Si vous avez d\u00e9cid\u00e9 que le moment est venu d\u2019acheter votre premi\u00e8re propri\u00e9t\u00e9, il est important de tenir compte des co\u00fbts suppl\u00e9mentaires associ\u00e9s \u00e0 la conclusion de l\u2019achat, en plus de vos versements hypoth\u00e9caires habituels. Comprendre ces d\u00e9penses \u00e0 l\u2019avance peut vous aider \u00e0 mieux planifier votre budget et \u00e0 \u00e9viter les surprises pendant le processus d\u2019achat. Voici quelques frais suppl\u00e9mentaires auxquels vous pouvez vous attendre.<\/span><\/p>\n

Frais d\u2019\u00e9valuation<\/b><\/p>\n

Les pr\u00eateurs hypoth\u00e9caires exigent g\u00e9n\u00e9ralement une \u00e9valuation ind\u00e9pendante avant d\u2019approuver un pr\u00eat. Les frais d\u2019\u00e9valuation sont \u00e0 la charge de l\u2019acheteur et peuvent varier entre 250 $ et 800 $, selon le type de propri\u00e9t\u00e9 et son emplacement.<\/span><\/p>\n

D\u00e9p\u00f4t<\/b><\/p>\n

Lors de la pr\u00e9sentation d\u2019une promesse d\u2019achat, le vendeur demandera habituellement un d\u00e9p\u00f4t comme preuve de bonne foi et d\u2019engagement envers la transaction. Ce montant est souvent appliqu\u00e9 \u00e0 votre mise de fonds et repr\u00e9sente g\u00e9n\u00e9ralement un minimum de 5 % du prix d\u2019achat.<\/span><\/p>\n

Mise de fonds<\/b><\/p>\n

Pour \u00eatre admissible \u00e0 un pr\u00eat hypoth\u00e9caire, les acheteurs doivent fournir une mise de fonds bas\u00e9e sur le prix d\u2019achat de la propri\u00e9t\u00e9. Une mise de fonds de 20 % ou plus est g\u00e9n\u00e9ralement requise pour un pr\u00eat hypoth\u00e9caire conventionnel. Les acheteurs qui versent moins de 20 % peuvent tout de m\u00eame \u00eatre admissibles au financement, mais devront habituellement souscrire une assurance pr\u00eat hypoth\u00e9caire.<\/span><\/p>\n

Prime d\u2019assurance pr\u00eat hypoth\u00e9caire<\/b><\/p>\n

Si votre mise de fonds est inf\u00e9rieure \u00e0 20 %, votre pr\u00eateur exigera une assurance pr\u00eat hypoth\u00e9caire. La prime est calcul\u00e9e en pourcentage du montant du pr\u00eat hypoth\u00e9caire et est g\u00e9n\u00e9ralement ajout\u00e9e \u00e0 vos versements hypoth\u00e9caires.<\/span><\/p>\n

Frais d\u2019inspection r\u00e9sidentielle<\/b><\/p>\n

Votre courtier immobilier peut recommander que votre promesse d\u2019achat soit conditionnelle \u00e0 une inspection r\u00e9sidentielle. Cela vous permet d\u2019identifier tout probl\u00e8me majeur li\u00e9 \u00e0 la propri\u00e9t\u00e9 avant de finaliser l\u2019achat. Les frais d\u2019inspection sont g\u00e9n\u00e9ralement assum\u00e9s par l\u2019acheteur et varient habituellement entre 300 $ et 500 $.<\/span><\/p>\n

Assurance habitation<\/b><\/p>\n

L\u2019assurance habitation prot\u00e8ge votre propri\u00e9t\u00e9 et vos biens contre certains \u00e9v\u00e9nements impr\u00e9vus, comme un incendie ou une inondation. La plupart des pr\u00eateurs exigent une preuve d\u2019assurance avant de d\u00e9bloquer les fonds hypoth\u00e9caires.<\/span><\/p>\n

Certificat de localisation ou arpentage<\/b><\/p>\n

Certains pr\u00eateurs peuvent demander un certificat de localisation \u00e0 jour ou un arpentage dans le cadre du processus d\u2019approbation hypoth\u00e9caire. Selon la propri\u00e9t\u00e9 et la r\u00e9gion, ces co\u00fbts peuvent varier entre 1 000 $ et 2 000 $.<\/span><\/p>\n

Frais juridiques<\/b><\/p>\n

Dans certaines provinces, les acheteurs doivent faire appel \u00e0 un avocat ou \u00e0 un notaire pour conclure la transaction immobili\u00e8re. M\u00eame lorsque ce n\u2019est pas obligatoire, il est fortement recommand\u00e9 d\u2019obtenir une repr\u00e9sentation juridique. Les frais juridiques varient g\u00e9n\u00e9ralement entre 1 000 $ et 3 000 $, selon les services requis.<\/span><\/p>\n

Assurance titres<\/b><\/p>\n

Votre avocat ou notaire peut recommander une assurance titres afin de vous prot\u00e9ger contre certains probl\u00e8mes comme la fraude immobili\u00e8re, les infractions au zonage ou les litiges li\u00e9s \u00e0 la propri\u00e9t\u00e9. Dans plusieurs cas, ce co\u00fbt est inclus dans les frais juridiques.<\/span><\/p>\n

Taxes de vente sur les propri\u00e9t\u00e9s neuves<\/b><\/p>\n

Les propri\u00e9t\u00e9s neuves ou ayant fait l\u2019objet de r\u00e9novations majeures peuvent \u00eatre assujetties \u00e0 la TPS ou \u00e0 la TVH. Dans certaines provinces, les acheteurs paient la TPS de 5 %, tandis que d\u2019autres provinces appliquent des taux de taxes combin\u00e9s variant entre 12 % et 15 %.<\/span><\/p>\n

Taxe de mutation immobili\u00e8re<\/b><\/p>\n

La plupart des provinces imposent une taxe de mutation immobili\u00e8re calcul\u00e9e selon le prix d\u2019achat de la propri\u00e9t\u00e9. Certaines municipalit\u00e9s peuvent \u00e9galement appliquer leur propre taxe de mutation suppl\u00e9mentaire. Les premiers acheteurs admissibles peuvent avoir droit \u00e0 des remboursements ou \u00e0 des programmes d\u2019all\u00e8gement afin de r\u00e9duire ces co\u00fbts.<\/span><\/p>\n

L\u2019achat d\u2019une premi\u00e8re propri\u00e9t\u00e9 repr\u00e9sente une \u00e9tape importante, et bien comprendre l\u2019ensemble des co\u00fbts associ\u00e9s peut vous aider \u00e0 avancer en toute confiance. Pour en apprendre davantage sur le processus d\u2019achat immobilier et savoir \u00e0 quoi vous attendre \u00e0 chaque \u00e9tape de votre parcours, <\/span>t\u00e9l\u00e9chargez gratuitement notre Guide de l\u2019acheteur d\u00e8s aujourd\u2019hui<\/span><\/a>.<\/span><\/p><\/blockquote>\n

<\/p>","protected":false},"excerpt":{"rendered":"

Si vous avez d\u00e9cid\u00e9 que le moment est venu d\u2019acheter votre premi\u00e8re propri\u00e9t\u00e9, il est important de tenir compte des co\u00fbts suppl\u00e9mentaires associ\u00e9s \u00e0 la conclusion de l\u2019achat, en plus…<\/p>\n","protected":false},"author":31,"featured_media":22182,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[393],"tags":[251,318,371,455,464,731,1739,1910],"class_list":["post-22180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","tag-luxury-real-estate","tag-real-estate-tips","tag-sothebys-international-realty-canada","tag-real-estate-agent","tag-canadian-real-estate","tag-sothebys-international-realty-quebec","tag-first-time-home-buyer","tag-first-time-home-buyer-tips"],"yoast_head":"\nPremiers acheteurs : les co\u00fbts li\u00e9s \u00e0 l\u2019achat d\u2019une propri\u00e9t\u00e9 - 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