{"id":1123,"date":"2019-03-12T15:19:02","date_gmt":"2019-03-12T19:19:02","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/emprunter-pour-cotiser-a-un-reer\/"},"modified":"2024-01-29T14:57:31","modified_gmt":"2024-01-29T19:57:31","slug":"emprunter-pour-cotiser-a-un-reer","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/reer\/emprunter-pour-cotiser-a-un-reer\/","title":{"rendered":"Emprunter pour cotiser \u00e0 un REER"},"content":{"rendered":"<p>Nos pr\u00eats REER vous permettent d\u2019emprunter afin d\u2019augmenter votre cotisation annuelle au REER ou de pallier un manque de liquidit\u00e9s pour y cotiser. Ils peuvent \u00e9galement \u00eatre tr\u00e8s utiles pour combler vos droits REER inutilis\u00e9s et ainsi augmenter la valeur de votre REER.<\/p>\n<p>Ne pas cotiser \u00e0 votre REER une ann\u00e9e peut avoir de r\u00e9elles cons\u00e9quences sur votre objectif de revenus de retraite. Emprunter pour cotiser \u00e0 votre REER* pourrait \u00eatre plus avantageux. Il s\u2019agit l\u00e0 d\u2019une strat\u00e9gie particuli\u00e8rement performante lorsque vous appliquez votre remboursement d\u2019imp\u00f4t \u00e0 votre emprunt.<\/p>\n<h3><strong>Le saviez-vous?<\/strong><\/h3>\n<p>Pour \u00e9viter d\u2019emprunter l\u2019an prochain, le REER par versements p\u00e9riodiques peut \u00eatre une excellente solution, car il vous permet de cotiser tout au long de l\u2019ann\u00e9e.<\/p>\n<h2>Quel pr\u00eat vous convient le mieux?<\/h2>\n<h3>Pr\u00eat REER<\/h3>\n<p>Permet d\u2019emprunter un montant de plus de 12 500 $ \u00e0 un taux plus avantageux qu\u2019un pr\u00eat personnel. Id\u00e9al si vous remboursez votre pr\u00eat rapidement.<\/p>\n<h3>Pr\u00eat REER droits inutilis\u00e9s<\/h3>\n<p>Si vous n\u2019avez pas cotis\u00e9 le maximum permis annuellement depuis 1991, ces montants s\u2019accumulent sous forme de droits inutilis\u00e9s dont vous pouvez vous servir pour cotiser ult\u00e9rieurement.<\/p>\n<p>Le pr\u00eat REER droits inutilis\u00e9s permet d\u2019emprunter \u00e0 un taux avantageux et de rembourser sur une p\u00e9riode de 10 ans.<\/p>\n<h3>Option Multiprojets<\/h3>\n<p>Permet de r\u00e9emprunter les sommes rembours\u00e9es sur votre pr\u00eat hypoth\u00e9caire pour cotiser \u00e0 votre REER.<\/p>\n<h3>Marge Atout<\/h3>\n<p>Permet d\u2019obtenir du financement \u00e0 m\u00eame la valeur de votre propri\u00e9t\u00e9, \u00e0 un taux d\u2019int\u00e9r\u00eat tr\u00e8s avantageux.<\/p>\n<p>*Emprunter pour investir constitue un effet de levier. Si le produit du pr\u00eat est investi dans un fonds de placement, l\u2019op\u00e9ration repr\u00e9sente un risque plus grand. Consultez votre conseiller pour obternir plus de renseignements \u00e0 ce sujet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nos pr\u00eats REER vous permettent d\u2019emprunter afin d\u2019augmenter votre cotisation annuelle au REER ou de pallier un manque de liquidit\u00e9s pour y cotiser. Ils peuvent \u00e9galement \u00eatre tr\u00e8s utiles pour combler vos droits REER inutilis\u00e9s et ainsi augmenter la valeur de votre REER. Ne pas cotiser \u00e0 votre REER une ann\u00e9e peut avoir de r\u00e9elles [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":25128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[53],"tags":[],"class_list":["post-1123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reer"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Emprunter pour cotiser \u00e0 un REER | Caisse Alliance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/reer\/emprunter-pour-cotiser-a-un-reer\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Emprunter pour cotiser \u00e0 un REER | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Nos pr\u00eats REER vous permettent d\u2019emprunter afin d\u2019augmenter votre cotisation annuelle au REER ou de pallier un manque de liquidit\u00e9s pour y cotiser. 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