{"id":48084,"date":"2024-11-26T16:25:44","date_gmt":"2024-11-26T21:25:44","guid":{"rendered":"https:\/\/archive.cafe.crea.ca\/?p=48084"},"modified":"2024-11-26T16:27:30","modified_gmt":"2024-11-26T21:27:30","slug":"aidez-vos-clients-a-discuter-de-largent","status":"publish","type":"post","link":"https:\/\/archive.cafe.crea.ca\/fr\/aidez-vos-clients-a-discuter-de-largent\/","title":{"rendered":"Aidez vos clients \u00e0 discuter de l\u2019argent"},"content":{"rendered":"\n<p>Pour de nombreux Canadiens, leurs finances et leur r\u00eave de devenir propri\u00e9taire sont intrins\u00e8quement li\u00e9s. Les courtiers et agents immobiliers sont des leaders communautaires et des experts dans le domaine de l\u2019habitation. Ils sont donc particuli\u00e8rement bien plac\u00e9s pour faire conna\u00eetre les options et les ressources financi\u00e8res qui s\u2019offrent aux personnes qui ach\u00e8tent une propri\u00e9t\u00e9 ou qui envisagent de le faire.<\/p>\n\n\n\n<p>Pour souligner le <a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/campagnes\/mois-de-la-litteratie-financiere.html\" target=\"_blank\" rel=\"noopener\" title=\"\">Mois de la litt\u00e9ratie financi\u00e8re<\/a> de cette ann\u00e9e, une campagne dirig\u00e9e par l\u2019Agence de la consommation en mati\u00e8re financi\u00e8re du Canada (ACFC), voici quelques exemples d\u2019activit\u00e9s que vous pouvez entreprendre avec vos clients ou d\u2019informations que vous pouvez leur transmettre afin de les sensibiliser \u00e0 l\u2019importance de discuter au sujet de l\u2019argent.<\/p>\n\n\n\n<blockquote class=\"instagram-media\" data-instgrm-captioned data-instgrm-permalink=\"https:\/\/www.instagram.com\/p\/DC13CQxNzz9\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; 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font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">View this post on Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/p\/DC13CQxNzz9\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\" rel=\"noopener\">A post shared by ACFC (@acfc_can)<\/a><\/p><\/div><\/blockquote>\n<script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Transmettre de l\u2019information sur la gestion d\u2019un budget<\/strong><\/h2>\n\n\n\n<p>Quelle que soit la situation financi\u00e8re d\u2019une personne qui souhaite devenir propri\u00e9taire, l\u2019\u00e9tablissement d\u2019un budget est l\u2019une des t\u00e2ches les plus importantes qu\u2019elle doit ma\u00eetriser avant d\u2019entamer un projet aussi important. Pensez \u00e0 diffuser de l\u2019information au sujet de l\u2019\u00e9tablissement d\u2019un budget sur des canaux qui permettent de joindre les clients potentiels et les clients actuels, par exemple, les m\u00e9dias sociaux, les bulletins d\u2019information, les blogues ou les balados.<\/p>\n\n\n\n<p>L\u2019ACFC a \u00e9galement pr\u00e9par\u00e9 un <a href=\"https:\/\/itools-ioutils.fcac-acfc.gc.ca\/BP-PB\/planificateur-budgetaire\" target=\"_blank\" rel=\"noopener\" title=\"\">guide d\u00e9taill\u00e9<\/a> afin d\u2019aider les personnes qui vivent au Canada \u00e0 \u00e9tablir et \u00e0 respecter un budget. Ce guide permet de tenir compte de plusieurs situations, comme l\u2019\u00e2ge, la situation professionnelle, l\u2019objectif du budget et l\u2019\u00e9tat civil. Vous pourriez m\u00eame envisager d\u2019organiser une activit\u00e9 gratuite avec d\u2019autres professionnels sp\u00e9cialis\u00e9s dans l\u2019accession \u00e0 la propri\u00e9t\u00e9, afin de sensibiliser les membres de la collectivit\u00e9 \u00e0 la n\u00e9cessit\u00e9 d\u2019\u00e9tablir un budget.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Demeurer optimiste, mais r\u00e9aliste<\/strong><\/h2>\n\n\n\n<p>Pour de nombreux Canadiens, en particulier les jeunes g\u00e9n\u00e9rations, le r\u00eave de devenir propri\u00e9taire est hors de port\u00e9e. Pour cette raison, lorsque vous discutez avec vos clients au sujet de l\u2019argent, des strat\u00e9gies d\u2019\u00e9pargne et de la fa\u00e7on d\u2019obtenir le financement n\u00e9cessaire \u00e0 l\u2019achat d\u2019une propri\u00e9t\u00e9, il est important avant tout de faire preuve d\u2019empathie. Communiquez de mani\u00e8re positive les options qui s\u2019offrent aux acheteurs et dont ils ne sont peut-\u00eatre pas au courant, et comprenez que ces options peuvent ne pas \u00eatre suffisantes pour certains d\u2019entre eux.<\/p>\n\n\n\n<p>Chaque mois, dans le blogue de REALTOR.ca, le Salon, plusieurs billets sont publi\u00e9s sur tout ce qui touche \u00e0 l\u2019immobilier. Vous y trouverez notamment un <a href=\"https:\/\/www.realtor.ca\/blogue\/vous-%C3%A9conomisez-pour-acheter-une-maison-comment-la-budg%C3%A9tisation-%C3%A0-haute-voix-peut-vous-aider-%C3%A0-atteindre-votre-objectif\/37000\/1368\" target=\"_blank\" rel=\"noopener\" title=\"\">billet<\/a> qui offre des informations utiles, que vous pouvez transmettre \u00e0 vos clients qui cherchent \u00e0 \u00e9pargner pour acheter une propri\u00e9t\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Utiliser des calculatrices hypoth\u00e9caires<\/strong><\/h2>\n\n\n\n<p>Faire conna\u00eetre les calculatrices hypoth\u00e9caires aux acheteurs potentiels et leur montrer comment les utiliser peut les aider \u00e0 mieux comprendre leur situation et la mani\u00e8re dont elle peut \u00e9voluer au fil du temps. REALTOR.ca, la plateforme immobili\u00e8re la plus populaire au Canada*, offre quatre\u00a0<a href=\"https:\/\/www.realtor.ca\/calculatrice#v=payment\" target=\"_blank\" rel=\"noopener\" title=\"\">calculatrices hypoth\u00e9caires<\/a> pour aider vos clients \u00e0 se faire une id\u00e9e plus pr\u00e9cise de ce qu\u2019ils peuvent se permettre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Continuer de discuter<\/strong><\/h2>\n\n\n\n<p>Les discussions sur les finances ne devraient pas se terminer \u00e0 la fin du Mois de la litt\u00e9ratie financi\u00e8re. Pour obtenir des r\u00e9sultats optimaux, il est pr\u00e9f\u00e9rable de continuer \u00e0 transmettre ce message tout au long de l\u2019ann\u00e9e. Nous savons que si les Canadiens am\u00e9liorent leur litt\u00e9ratie financi\u00e8re, ils seront mieux \u00e9quip\u00e9s pour comprendre tous les aspects du processus d\u2019achat d\u2019une propri\u00e9t\u00e9.&nbsp;<\/p>\n\n\n\n<p><em>* Selon la part de march\u00e9. Part de march\u00e9 = moyenne mensuelle de l\u2019achalandage Web et mobile des sites Web immobiliers canadiens, Comscore, 2023<\/em><\/p>\n\n\n\n<p><em>Le pr\u00e9sent article est diffus\u00e9 \u00e0 titre d\u2019information seulement; il ne contient pas de conseils financiers ou juridiques et ne remplace pas les services d\u2019un conseiller financier ou juridique.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour souligner le Mois de la litt\u00e9ratie financi\u00e8re de cette ann\u00e9e, une campagne dirig\u00e9e par l\u2019Agence de la consommation en mati\u00e8re financi\u00e8re du Canada (ACFC), voici quelques exemples d\u2019activit\u00e9s que vous pouvez entreprendre avec vos clients ou d\u2019informations que vous pouvez leur transmettre afin de les sensibiliser \u00e0 l\u2019importance de discuter au sujet de l\u2019argent.<\/p>\n","protected":false},"author":134,"featured_media":48081,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2369],"tags":[2379],"coauthors":[2397],"class_list":["post-48084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-defense-des-interets","tag-featured-fr"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/posts\/48084"}],"collection":[{"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/users\/134"}],"replies":[{"embeddable":true,"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/comments?post=48084"}],"version-history":[{"count":1,"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/posts\/48084\/revisions"}],"predecessor-version":[{"id":48087,"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/posts\/48084\/revisions\/48087"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/media\/48081"}],"wp:attachment":[{"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/media?parent=48084"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/categories?post=48084"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/tags?post=48084"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/archive.cafe.crea.ca\/fr\/wp-json\/wp\/v2\/coauthors?post=48084"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}