{"id":559,"date":"2026-08-18T05:23:40","date_gmt":"2026-08-18T05:23:40","guid":{"rendered":"https:\/\/montesano.mwhost.ca\/2026\/08\/18\/common-mistakes-made-by-first-time-home-buyers\/"},"modified":"2026-08-19T07:23:36","modified_gmt":"2026-08-19T07:23:36","slug":"common-mistakes-made-by-first-time-home-buyers","status":"publish","type":"post","link":"https:\/\/montesano.mwhost.ca\/fr\/common-mistakes-made-by-first-time-home-buyers\/","title":{"rendered":"Erreurs fr\u00e9quentes des primo-acc\u00e9dants"},"content":{"rendered":"

L’achat d’une nouvelle maison chaleureuse peut marquer le d\u00e9but d’une nouvelle vie pour une jeune famille. Cependant, dans l’empressement \u00e0 emm\u00e9nager dans une belle demeure, certains facteurs essentiels peuvent \u00eatre n\u00e9glig\u00e9s. Le manque de proactivit\u00e9 lors des d\u00e9marches de pr\u00eat hypoth\u00e9caire peut rapidement avoir des cons\u00e9quences n\u00e9gatives pour l’acheteur. Par exemple, des hypoth\u00e8ses erron\u00e9es pourraient vous amener \u00e0 choisir un type de pr\u00eat inadapt\u00e9 ou m\u00eame \u00e0 passer \u00e0 c\u00f4t\u00e9 de la maison de vos r\u00eaves.<\/p>\n

Pour vous aider \u00e0 \u00e9viter des erreurs \u00e9l\u00e9mentaires qui pourraient s’av\u00e9rer co\u00fbteuses, Christina Montesano, courti\u00e8re hypoth\u00e9caire<\/a><\/strong>, a dress\u00e9 une liste des erreurs les plus fr\u00e9quentes commises lors du premier achat immobilier. Poursuivez votre lecture pour en savoir plus.<\/p>\n

1. Ne pas obtenir de pr\u00e9approbation<\/strong><\/p>\n

Une pr\u00e9approbation vous permet de conna\u00eetre le montant que vous pouvez emprunter aupr\u00e8s d’un pr\u00eateur avant de faire une offre sur une propri\u00e9t\u00e9. Veillez donc \u00e0 faire appel \u00e0 un professionnel capable de consulter votre cote de cr\u00e9dit et de s’assurer que vous avez toutes les chances de r\u00e9ussir le test de r\u00e9sistance (stress test).<\/p>\n

2. Sous-estimer les frais de cl\u00f4ture<\/strong><\/p>\n

Les acheteurs se concentrent souvent sur l’\u00e9pargne n\u00e9cessaire \u00e0 l’apport personnel (mise de fonds) et oublient de prendre en compte les frais de cl\u00f4ture. Renseignez-vous aupr\u00e8s de votre courtier hypoth\u00e9caire sur les frais juridiques, les taxes et toutes les autres d\u00e9penses qui surviendront lors de la conclusion de la vente.<\/p>\n

3. Vivre dans l’illusion<\/strong><\/p>\n

Avant d’acheter une propri\u00e9t\u00e9, il est essentiel de se pr\u00e9parer \u00e0 contracter un pr\u00eat important qui s’\u00e9talera sur des d\u00e9cennies. Vous devez donc g\u00e9rer votre budget avec rigueur et adopter un mode de vie adapt\u00e9 \u00e0 vos moyens.<\/p>\n

4. Ne pas faire appel \u00e0 des professionnels exp\u00e9riment\u00e9s<\/strong><\/p>\n

Souvent, les acheteurs ne font pas suffisamment de recherches lorsqu’ils choisissent des professionnels. S’entourer d’une \u00e9quipe comp\u00e9tente \u2014 comme un courtier hypoth\u00e9caire qui comprend vos objectifs et vos besoins \u2014 permet d’obtenir les r\u00e9sultats escompt\u00e9s sans tracas. Prenez donc le temps de consulter les avis et les t\u00e9moignages.<\/p>\n

5. Manquer de connaissances financi\u00e8res<\/strong><\/p>\n

Effectuer des achats de luxe co\u00fbteux avec votre carte de cr\u00e9dit avant d’acheter une maison n’est pas une bonne id\u00e9e, car cela affectera votre cote de cr\u00e9dit. Reportez donc l’achat d’une nouvelle voiture ou les vacances on\u00e9reuses si vous avez r\u00e9ellement l’intention d’acheter une maison.<\/p>\n

6. Ne pas poser assez de questions<\/strong><\/p>\n

Les acheteurs pensent souvent qu’en travaillant avec un courtier hypoth\u00e9caire, tout sera pris en charge automatiquement. Toutefois, poser des questions vous aidera \u00e0 prendre des d\u00e9cisions plus \u00e9clair\u00e9es au moment de signer votre contrat.<\/p>\n

Contactez-moi d\u00e8s aujourd’hui !<\/strong><\/p>\n

Pour \u00e9viter ces erreurs et bien d’autres, faites appel \u00e0 Christina Montesano, courti\u00e8re hypoth\u00e9caire<\/a><\/strong>. Forte de nombreuses ann\u00e9es d’exp\u00e9rience, j’ai accompagn\u00e9 avec succ\u00e8s plus de 1 500 clients et financ\u00e9 pour plus de 250 millions de dollars<\/strong> de pr\u00eats hypoth\u00e9caires.<\/p>\n

J’offre mes services pour le refinancement, la consolidation de dettes, les renouvellements et la transf\u00e9rabilit\u00e9 de pr\u00eat hypoth\u00e9caire. J’accompagne \u00e9galement les premiers acheteurs, les travailleurs autonomes et les nouveaux arrivants au Canada. De plus, ma gamme de produits hypoth\u00e9caires inclut les propri\u00e9t\u00e9s d’investissement, les immeubles multir\u00e9sidentiels, les pr\u00eats de \u00ab plan B \u00bb, le financement sur valeur nette et les r\u00e9novations, les pr\u00eats commerciaux ou de construction, ainsi que les r\u00e9sidences secondaires.<\/p>\n

Je dessers une client\u00e8le situ\u00e9e \u00e0 LaSalle, Montr\u00e9al, Dorval, Boucherville, Repentigny, Brossard, Terrebonne, Laval, Saint-Jean-sur-Richelieu, Mont-Saint-Hilaire et Longueuil (Qu\u00e9bec).<\/p>\n

Pour consulter la liste compl\u00e8te de mes services, veuillez cliquer ici<\/a><\/strong>. Si vous avez des questions concernant les pr\u00eats hypoth\u00e9caires, n’h\u00e9sitez pas \u00e0 communiquer avec moi. Veuillez appeler le<\/strong> (514) 250-9887<\/strong><\/a> ou envoyer un courriel \u00e0 christina.montesano@groupeorbis.com<\/a><\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"

L’achat d’une nouvelle maison chaleureuse peut marquer le d\u00e9but d’une nouvelle vie pour une jeune famille. Cependant, dans l’empressement \u00e0 emm\u00e9nager dans une belle demeure, certains facteurs essentiels peuvent \u00eatre n\u00e9glig\u00e9s. Le manque de proactivit\u00e9 lors des d\u00e9marches de pr\u00eat hypoth\u00e9caire peut rapidement avoir des cons\u00e9quences n\u00e9gatives pour l’acheteur. Par exemple, des hypoth\u00e8ses erron\u00e9es pourraient […]<\/p>\n","protected":false},"author":1,"featured_media":560,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[60,83,62],"tags":[67,69,70,64,73,65,77,80,68,63,82,81,71,74,79,66,75,76,78,72],"class_list":["post-559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-courtier-en-prets-immobiliers","category-pret-hypothecaire-residentiel","category-services-de-pret-hypothecaire","tag-acheteur-dune-premiere-propriete","tag-demande-de-pret-hypothecaire","tag-mortgage-broker","tag-planification-budgetaire","tag-preapprobation-de-pret-hypothecaire","tag-pret-hypothecaire-commercial","tag-pret-hypothecaire-pour-les-nouveaux-arrivants-au-canada","tag-pret-hypothecaire-residentiel","tag-pret-hypothecaire-sur-la-valeur-nette-du-logement","tag-pret-immobilier-pour-mauvais-credit","tag-pret-immobilier-pour-residence-secondaire","tag-pret-immobilier-pour-travailleurs-independants","tag-preteur-hypothecaire","tag-produits-hypothecaires","tag-refinancer-un-pret-immobilier","tag-regroupement-de-dettes","tag-renouvellement-de-pret-hypothecaire","tag-services-de-pret-hypothecaire","tag-services-hypothecaires-plan-b","tag-transferabilite-du-pret-hypothecaire"],"acf":[],"yoast_head":"\nErreurs fr\u00e9quentes des primo-acc\u00e9dants - Christina Montesano - Courtier hypoth\u00e9caire<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Erreurs fr\u00e9quentes des primo-acc\u00e9dants - Christina Montesano - Courtier hypoth\u00e9caire\" \/>\n<meta property=\"og:description\" content=\"L’achat d’une nouvelle maison chaleureuse peut marquer le d\u00e9but d’une nouvelle vie pour une jeune famille. 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