{"id":5042,"date":"2022-11-17T16:12:49","date_gmt":"2022-11-17T21:12:49","guid":{"rendered":"https:\/\/blog.source.immo\/?p=549"},"modified":"2022-11-17T16:12:49","modified_gmt":"2022-11-17T21:12:49","slug":"hypotheque_divorce_separation","status":"publish","type":"post","link":"https:\/\/michelmessier.com\/en\/stratego\/hypotheque_divorce_separation\/","title":{"rendered":"Quoi faire avec l\u2019hypoth\u00e8que lors d\u2019un divorce ou d\u2019une s\u00e9paration\u2009?"},"content":{"rendered":"\n

Une s\u00e9paration entre conjoints de fait ou un divorce apporte un lot important de d\u00e9cisions financi\u00e8res et l\u00e9gales. Parmi celles-ci, le pr\u00eat hypoth\u00e9caire soul\u00e8ve bien des interrogations. Vous devez faire un choix qui peut \u00eatre d\u00e9chirant : vendre ou garder votre r\u00e9sidence familiale.<\/p>\n\n\n\n

Voici les deux options habituelles qui s\u2019offrent \u00e0 vous.<\/p>\n\n\n\n

1. Racheter la part de votre ex ou lui vendre la v\u00f4tre.<\/strong><\/p>\n\n\n\n

Si l\u2019un de vous souhaite conserver le domicile familial, il peut racheter la part de l\u2019autre.<\/p>\n\n\n\n

Le calcul pour d\u00e9terminer le montant de la transaction se fait \u00e0 partir de la valeur nette de la propri\u00e9t\u00e9, soit la valeur marchande moins les dettes qui lui sont associ\u00e9es, comme l\u2019hypoth\u00e8que. Ensuite, le montant \u00e0 verser se base sur le pourcentage de la part du conjoint qui c\u00e8de la propri\u00e9t\u00e9.<\/p>\n\n\n\n

Le nouveau propri\u00e9taire unique doit se qualifier seul aupr\u00e8s de la banque pour obtenir un pr\u00eat hypoth\u00e9caire et couvrir les d\u00e9penses relatives \u00e0 l\u2019entretien de la maison.<\/p>\n\n\n\n

2. Vendre la maison<\/strong><\/p>\n\n\n\n

Si aucun de vous ne souhaite conserver la demeure, vous pouvez la vendre. Lorsque la transaction sera finalis\u00e9e, l\u2019\u00e9quit\u00e9 r\u00e9alis\u00e9e sur la vente (le prix d\u2019achat moins les dettes associ\u00e9es) sera r\u00e9partie entre les deux copropri\u00e9taires au prorata des parts identifi\u00e9es dans l\u2019acte notari\u00e9.<\/p>\n\n\n\n

Pr\u00e9voir le pire avant d\u2019acheter une propri\u00e9t\u00e9<\/strong><\/p>\n\n\n\n

Bien que ce ne soit pas une id\u00e9e tr\u00e8s romantique, vous devez anticiper les cons\u00e9quences d\u2019un divorce ou d\u2019une s\u00e9paration avant d\u2019acheter une r\u00e9sidence familiale avec votre conjoint. Pour \u00e9viter les complications potentielles, veillez \u00e0 ce que la part de chaque propri\u00e9taire soit clairement d\u00e9finie dans l\u2019acte notari\u00e9. Cette information a un impact direct sur le partage de l\u2019\u00e9quit\u00e9 de la maison lors de la vente ou la valeur de rachat des parts d\u2019un des conjoints. <\/p>\n\n\n\n

Des sp\u00e9cificit\u00e9s relatives au partage des biens peuvent s\u2019appliquer pour les couples mari\u00e9s.<\/a><\/p>\n\n\n\n

La bonne entente, n\u00e9cessaire tout au long du processus<\/strong><\/p>\n\n\n\n

Une bonne entente entre les ex est souhait\u00e9e tout au long du processus de vente ou de rachats des parts de la maison. En effet, vous devez continuer d\u2019assumer plusieurs d\u00e9penses communes le temps que le titre de propri\u00e9t\u00e9 soit officiellement transf\u00e9r\u00e9.<\/p>\n\n\n\n

Vous pensez vendre votre maison suite \u00e0 votre s\u00e9paration? Faites affaire avec un courtier immobilier. Il s\u2019occupera des aspects l\u00e9gaux de la vente en plus de vous accompagner tout au long du processus.<\/p>\n\n\n\n

Vous pensez racheter les parts de votre ex? Consultez votre courtier hypoth\u00e9caire pour en savoir plus sur les d\u00e9marches de transfert des parts et pour connaitre vos options afin de contracter un nouveau pr\u00eat hypoth\u00e9caire.<\/p>\n","protected":false},"excerpt":{"rendered":"

Une s\u00e9paration entre conjoints de fait ou un divorce apporte un lot important de d\u00e9cisions financi\u00e8res et l\u00e9gales. Parmi celles-ci, le pr\u00eat hypoth\u00e9caire soul\u00e8ve bien des interrogations. Vous devez faire un choix qui peut \u00eatre d\u00e9chirant : vendre ou garder votre r\u00e9sidence familiale. Voici les deux options habituelles qui s\u2019offrent \u00e0 vous. 1. Racheter la […]<\/p>\n","protected":false},"author":1,"featured_media":5043,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[43],"tags":[],"class_list":["post-5042","post","type-post","status-publish","format-standard","hentry","category-stratego"],"acf":[],"yoast_head":"\nQuoi faire avec l\u2019hypoth\u00e8que lors d\u2019un divorce ou d\u2019une s\u00e9paration\u2009? | Michel Messier<\/title>\n<meta name=\"description\" content=\"Comment g\u00e9rer l\u2019hypoth\u00e8que en cas de s\u00e9paration ou de divorce\u2009? 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