{"id":741,"date":"2023-07-07T18:30:20","date_gmt":"2023-07-07T18:30:20","guid":{"rendered":"https:\/\/mwdemos.ca\/landmark\/services-hypothecaires\/commercial-buildings\/"},"modified":"2023-08-24T16:28:50","modified_gmt":"2023-08-24T16:28:50","slug":"batiments-commerciaux","status":"publish","type":"page","link":"https:\/\/landmark-canada.com\/fr\/services-hypothecaires\/batiments-commerciaux\/","title":{"rendered":"B\u00e2timents commerciaux"},"content":{"rendered":"<p>Pour les pr\u00eats commerciaux et semi-commerciaux, quelques normes sont requises en fonction du type de pr\u00eat<\/p>\n<p><strong>Commercial*:<\/strong><\/p>\n<ul>\n<li>Le bien immobilier doit \u00eatre occup\u00e9 par son propri\u00e9taire.<\/li>\n<li>Le financement maximum est de 65% de l&rsquo;\u00e9valuation du bien par le pr\u00eateur.<\/li>\n<li>Des tests environnementaux (phase 1 ou phase 2) peuvent \u00eatre exig\u00e9s si n\u00e9cessaire.<\/li>\n<li>La p\u00e9riode d&rsquo;amortissement est de 15 ans maximum, avec un terme de 1 \u00e0 5 ans.<\/li>\n<\/ul>\n<p>*Veuillez noter que les dossiers commerciaux sont examin\u00e9s au cas par cas ; l&rsquo;id\u00e9al serait de pr\u00e9senter votre portefeuille au groupe financier Landmark afin que nous puissions \u00e9valuer vos options.<\/p>\n<p><strong>Semi-commercial:<\/strong><\/p>\n<p><strong>Conventionnel<\/strong><\/p>\n<ul>\n<li>Le pourcentage de financement (bas\u00e9 sur le prix du march\u00e9 ou le prix d&rsquo;achat) doit \u00eatre de 50 % au minimum.<\/li>\n<li>La p\u00e9riode d&rsquo;amortissement maximale est de 20 ans.<\/li>\n<li>Un rapport d&rsquo;\u00e9valuation est requis.<\/li>\n<li>Ainsi qu&rsquo;un test environnemental de phase 1.<\/li>\n<li>Le ratio de couverture de la dette est de 1,25.<\/li>\n<\/ul>\n<p><strong>Assur\u00e9<\/strong><\/p>\n<ul>\n<li>Le pourcentage de financement (bas\u00e9 sur le prix du march\u00e9 ou le prix d&rsquo;achat) doit \u00eatre de 20 % au minimum.<\/li>\n<li>La p\u00e9riode d&rsquo;amortissement maximale est de 25 ans.<\/li>\n<li>Un rapport d&rsquo;\u00e9valuation est requis.<\/li>\n<li>Ainsi qu&rsquo;un test environnemental Phase 1.<\/li>\n<li>Le ratio de couverture de la dette est de 1,3.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Pour les pr\u00eats commerciaux et semi-commerciaux, quelques normes sont requises en fonction du type de pr\u00eat Commercial*: Le bien immobilier doit \u00eatre occup\u00e9 par son propri\u00e9taire. Le financement maximum est de 65% de l&rsquo;\u00e9valuation du bien par le pr\u00eateur. Des tests environnementaux (phase 1 ou phase 2) peuvent \u00eatre exig\u00e9s si n\u00e9cessaire. La p\u00e9riode d&rsquo;amortissement [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":742,"parent":724,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-singleService.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-741","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>B\u00e2timents commerciaux - Landmark - Real Estate &amp; Mortgage Agency<\/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:\/\/landmark-canada.com\/fr\/services-hypothecaires\/batiments-commerciaux\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u00e2timents commerciaux - Landmark - Real Estate &amp; Mortgage Agency\" \/>\n<meta property=\"og:description\" content=\"Pour les pr\u00eats commerciaux et semi-commerciaux, quelques normes sont requises en fonction du type de pr\u00eat Commercial*: Le bien immobilier doit \u00eatre occup\u00e9 par son propri\u00e9taire. 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