{"id":5351,"date":"2026-01-28T11:28:32","date_gmt":"2026-01-28T18:28:32","guid":{"rendered":"https:\/\/chf-ca.papercrane.ca\/?page_id=5351"},"modified":"2026-02-26T09:16:49","modified_gmt":"2026-02-26T16:16:49","slug":"planification-des-actifs-et-des-finances","status":"publish","type":"page","link":"https:\/\/chf-ca.papercrane.ca\/fr\/programmes\/planification-des-actifs-et-des-finances\/","title":{"rendered":"Planification des actifs et des finances"},"content":{"rendered":"<section data-pc-section=\"tertiary-hero\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative pt-24! lg:pt-56! lg:pb-6! flex flex-col lg:flex-row lg:items-center\">\n        \n    <div class=\"pc-container-lg \">\n        <div class=\"flex flex-col lg:flex-row gap-10\">\n            <div class=\"pt-8 lg:py-0 flex-1 flex flex-col items-start max-w-240\" data-stagger='true'>\n                                    <div class=\"inline-flex px-4 py-2 rounded-[120rem] text-base! leading-none tracking-wider font-medium text-dark-blue bg-light-blue mb-3\">\n  Adh\u00e9sion\n<\/div>\n                \n                                    <h2 class=\"text-[2rem]! lg:text-[3rem]! font-bold leading-[125%]! mb-4\">Planification des actifs et des finances<\/h2>\n                \n                                            <\/div>\n                            <div class=\"flex-1 flex lg:items-center\">\n                    <div class=\"wysiwyg\"><h6>Faites de la FHCC le premier choix de votre coop\u00e9rative en mati\u00e8re d\u2019outils, de conseils, de produits et de services de planification financi\u00e8re et \u00e0 long terme des actifs.<\/h6>\n<\/div>\n                <\/div>\n                    <\/div>\n            <\/div>\n<\/section>\n\n\n<section data-pc-section=\"splitter\" class=\"pc-block-wrapper pc-block-wrapper--light-blue pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n    \n    \n    <div class=\"pc-container-lg relative z-10 \">\n        \n        <div class=\"flex flex-col lg:flex-row gap-10 lg:gap-16 lg:items-start\">\n            <div class=\"flex-1 flex flex-col items-start lg:sticky lg:top-40\">\n                                                <div class=\"wysiwyg \">\n                    <p><span style=\"font-weight: 400\">\u00c0 mesure que les immeubles des coop\u00e9ratives vieillissent, les membres font face \u00e0 de tout nouveaux d\u00e9fis et possibilit\u00e9s et se retrouvent souvent sans l\u2019argent, le savoir-faire et les ressources n\u00e9cessaires pour combler les d\u00e9ficits en mati\u00e8re de r\u00e9parations des immobilisations qui se sont accumul\u00e9s au fil des ans.<\/span><\/p>\n\n                <\/div>\n                            <\/div>\n                            <div class=\"flex-1 flex flex-col\" >\n                                                                <div class=\"flex flex-col gap-4 mb-16\" data-stagger=\"true\">\n                                                                                                                    <div class=\"wysiwyg\"><p><span style=\"font-weight: 400\">La FHCC est d\u00e9termin\u00e9e \u00e0 aider ses membres \u00e0 prot\u00e9ger la r\u00e9silience sociale, \u00e9conomique et environnementale \u00e0 long terme de son secteur. Nous nous effor\u00e7ons de pr\u00e9server la prosp\u00e9rit\u00e9 et la viabilit\u00e9 des communaut\u00e9s de nos coop\u00e9ratives en offrant des services de planification, de refinancement et de viabilit\u00e9 \u00e0 long terme.<\/span><\/p>\n<\/div>\n                                                                                                            <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"icons-section\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative \">\n        <div class=\"pc-container-lg flex flex-col lg:flex-row gap-10 items-start relative\">\n                    <div class=\"flex-1 w-full lg:sticky lg:top-40\">\n                <img decoding=\"async\"\n                    src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/ff11c850dcd0c8479ae26154c90006ffeaa45023.jpg\"\n                    alt=\"\"\n                    class=\"w-full h-auto object-cover rounded-2xl\"\n                \/>\n            <\/div>\n        \n        <div class=\"lg:w-1\/2\">\n                            <div class=\"flex flex-col gap-8\">\n                                            <h2 class=\"mb-4 text-2xl! lg:text-[2rem]! leading-[125%]! font-bold\">Nous aidons votre coop\u00e9rative dans les domaines suivants :<\/h2>\n                                                                                                        <div class=\"flex flex-row lg:flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 bg-[#DAE5F8] rounded-full flex items-center justify-center max-w-16 flex-1\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-10 h-10 object-contain\"\n                                    \/>\n                                <\/div>\n                                                        <div class=\"flex flex-col gap-6 flex-1\">\n                                                                    <div class=\"wysiwyg icon-card-content\"><h6>Acquisition des rapports techniques (\u00e9tudes d\u2019ing\u00e9nierie) n\u00e9cessaires \u00e0 la planification \u00e0 long terme.<\/h6>\n<p><span style=\"font-weight: 400\">Si votre coop\u00e9rative ne dispose pas d\u2019une \u00e9valuation de l\u2019\u00e9tat des b\u00e2timents r\u00e9alis\u00e9e par une firme d\u2019ing\u00e9nierie professionnelle ou qu\u2019elle est d\u00e9su\u00e8te (plus de trois ans), notre \u00e9quipe peut vous aider \u00e0 en commander une. L\u2019\u00e9valuation de l\u2019\u00e9tat des b\u00e2timents est le rapport fondamental d\u2019une planification \u00e0 long terme et des d\u00e9cisions financi\u00e8res.<\/span><\/p>\n<\/div>\n                                \n                                                            <\/div>\n                        <\/div>\n                                            <div class=\"flex flex-row lg:flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 bg-[#DAE5F8] rounded-full flex items-center justify-center max-w-16 flex-1\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-10 h-10 object-contain\"\n                                    \/>\n                                <\/div>\n                                                        <div class=\"flex flex-col gap-6 flex-1\">\n                                                                    <div class=\"wysiwyg icon-card-content\"><h6><b>Pr\u00e9sentation de demandes de subvention ou de financement.<\/b><\/h6>\n<p><span style=\"font-weight: 400\">Souvent, les coop\u00e9ratives peuvent demander \u00e0 ce qu\u2019une partie ou la totalit\u00e9 des rapports requis soit pay\u00e9e au moyen de fonds sp\u00e9ciaux \u00e9tablis par la SCHL, de subventions provinciales ou de fonds sectoriels. Nous pouvons vous accompagner tout au long du processus de demande et vous aider \u00e0 d\u00e9terminer les rapports dont vous pourriez avoir besoin.<\/span><\/p>\n<\/div>\n                                \n                                                            <\/div>\n                        <\/div>\n                                            <div class=\"flex flex-row lg:flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 bg-[#DAE5F8] rounded-full flex items-center justify-center max-w-16 flex-1\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-10 h-10 object-contain\"\n                                    \/>\n                                <\/div>\n                                                        <div class=\"flex flex-col gap-6 flex-1\">\n                                                                    <div class=\"wysiwyg icon-card-content\"><h6><b>\u00c9laboration d\u2019un plan de gestion des actifs (PGA).<\/b><\/h6>\n<p><span style=\"font-weight: 400\">Une fois l\u2019\u00e9valuation de l\u2019\u00e9tat des b\u00e2timents achev\u00e9e et examin\u00e9e par la coop\u00e9rative, il est temps de transformer les constatations en plans de r\u00e9paration des immobilisations et en projections financi\u00e8res qui sont logiques pour la coop\u00e9rative. Cliquez ici pour obtenir de plus amples renseignements sur les services de planification des actifs de la FHCC.\u00a0 <\/span><\/p>\n<\/div>\n                                \n                                                            <\/div>\n                        <\/div>\n                                            <div class=\"flex flex-row lg:flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 bg-[#DAE5F8] rounded-full flex items-center justify-center max-w-16 flex-1\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-10 h-10 object-contain\"\n                                    \/>\n                                <\/div>\n                                                        <div class=\"flex flex-col gap-6 flex-1\">\n                                                                    <div class=\"wysiwyg icon-card-content\"><h6><b>Acquisition d\u2019autres rapports.<\/b><\/h6>\n<p><span style=\"font-weight: 400\">En fonction des constatations de l\u2019\u00e9valuation de l\u2019\u00e9tat des b\u00e2timents et du PGA, des rapports suppl\u00e9mentaires peuvent s\u2019av\u00e9rer n\u00e9cessaires. Par exemple, vous pourriez avoir besoin d\u2019un rapport sur les probl\u00e8mes de drainage, les murs de sout\u00e8nement ou les \u00e9conomies d\u2019\u00e9nergie potentielles. Si le PGA recommande un refinancement, il pourrait \u00eatre temps d\u2019obtenir une \u00e9valuation environnementale du site.<\/span><\/p>\n<\/div>\n                                \n                                                            <\/div>\n                        <\/div>\n                                            <div class=\"flex flex-row lg:flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 bg-[#DAE5F8] rounded-full flex items-center justify-center max-w-16 flex-1\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-10 h-10 object-contain\"\n                                    \/>\n                                <\/div>\n                                                        <div class=\"flex flex-col gap-6 flex-1\">\n                                                                    <div class=\"wysiwyg icon-card-content\"><h6><b>Compr\u00e9hension des exigences des organismes de r\u00e9glementation et des gestionnaires de programmes.<\/b><\/h6>\n<p><span style=\"font-weight: 400\">Une coop\u00e9rative ayant conclu une entente f\u00e9d\u00e9rale peut avoir besoin de l\u2019approbation de ses plans d\u2019immobilisations \u00e0 court terme de l\u2019Agence des coop\u00e9ratives d\u2019habitation, de la SCHL ou d\u2019un organisme de r\u00e9glementation provincial ou municipal (Ontario) pour proc\u00e9der \u00e0 un refinancement. Vous pouvez communiquer avec nous pour obtenir de l\u2019aide \u00e0 propos des \u00e9tapes suivantes\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Aider la coop\u00e9rative \u00e0 obtenir du financement;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Obtenir des services de gestion de projet;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Obtenir des services de planification financi\u00e8re et des actifs<\/span><\/li>\n<\/ul>\n<\/div>\n                                \n                                                                                                        <a class=\"group inline-flex items-center gap-2 transition-all no-underline! font-semibold group bg-transparent text-dark-blue hover:opacity-80\" href=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/AFPS-Info_General-Services-Eng_WEB.pdf\"  target=\"_blank\" rel=\"noopener noreferrer\" >\n  T\u00e9l\u00e9chargez le document PDF\n\n      <svg aria-hidden=\"true\"  class=\"transition-transform translate-x-0 group-hover:translate-x-1\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M12 16L16 12M16 12L12 8M16 12H8M22 12C22 17.5228 17.5228 22 12 22C6.47715 22 2 17.5228 2 12C2 6.47715 6.47715 2 12 2C17.5228 2 22 6.47715 22 12Z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>  <\/a>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"tab-section\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n        <div class=\"pc-container-lg\">\n        <div class=\"w-full flex items-center gap-6 flex-items-center mb-6\">\n            <h5 id=\"active-tab-title\" aria-live=\"polite\" aria-atomic=\"true\" class=\"text-base text-dark-blue mb-0\">Services d\u2019approvisionnement <\/h5>\n            <div class=\"w-full flex-1 h-px bg-[#B6B6B6]\" role=\"presentation\"><\/div>\n        <\/div>\n        <div class=\"flex flex-col flex-1 lg:flex-row gap-6\">\n            <div class=\"flex flex-col flex-1 lg:max-w-[30%]\">\n                                    <div class=\"lg:hidden relative\">\n                        <button\n                            type=\"button\"\n                            class=\"pc-tab-dropdown-trigger w-full text-left px-4 py-3 bg-white border border-gray-300 rounded-md flex items-center justify-between\"\n                            aria-haspopup=\"true\"\n                            aria-expanded=\"false\"\n                            aria-label=\"Select tab\"\n                            aria-controls=\"tab-dropdown-menu\"\n                        >\n                            <span class=\"pc-tab-dropdown-text\">Services d\u2019approvisionnement <\/span>\n                            <svg class=\"w-5 h-5 transition-transform\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\">\n                                <path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\" \/>\n                            <\/svg>\n                        <\/button>\n                        <div\n                            id=\"tab-dropdown-menu\"\n                            class=\"pc-tab-dropdown-menu hidden absolute z-10 mt-2 w-full bg-white border border-gray-300 rounded-md shadow-lg max-h-60 overflow-auto\"\n                            role=\"menu\"\n                            aria-label=\"Tab options\"\n                        >\n                                                            <button\n                                    type=\"button\"\n                                    data-tab-index=\"0\"\n                                    class=\"pc-tab-dropdown-item w-full text-left px-4 py-2 hover:bg-gray-100 bg-gray-50\"\n                                    role=\"menuitem\"\n                                    aria-label=\"Switch to Services d\u2019approvisionnement  tab\"\n                                >\n                                    Services d\u2019approvisionnement \n                                <\/button>\n                                                            <button\n                                    type=\"button\"\n                                    data-tab-index=\"1\"\n                                    class=\"pc-tab-dropdown-item w-full text-left px-4 py-2 hover:bg-gray-100 \"\n                                    role=\"menuitem\"\n                                    aria-label=\"Switch to Planification et renouvellement \u00e0 long terme : le PGA (plan de gestion des actifs) tab\"\n                                >\n                                    Planification et renouvellement \u00e0 long terme : le PGA (plan de gestion des actifs)\n                                <\/button>\n                                                            <button\n                                    type=\"button\"\n                                    data-tab-index=\"2\"\n                                    class=\"pc-tab-dropdown-item w-full text-left px-4 py-2 hover:bg-gray-100 \"\n                                    role=\"menuitem\"\n                                    aria-label=\"Switch to Services de planification financi\u00e8re tab\"\n                                >\n                                    Services de planification financi\u00e8re\n                                <\/button>\n                                                            <button\n                                    type=\"button\"\n    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             Gestion de fonds d\u2019investissement avec Encasa Financial\n                                <\/button>\n                                                            <button\n                                    type=\"button\"\n                                    data-tab-index=\"5\"\n                                    class=\"pc-tab-dropdown-item w-full text-left px-4 py-2 hover:bg-gray-100 \"\n                                    role=\"menuitem\"\n                                    aria-label=\"Switch to Efficacit\u00e9 \u00e9nerg\u00e9tique tab\"\n                                >\n                                    Efficacit\u00e9 \u00e9nerg\u00e9tique\n                                <\/button>\n                                                    <\/div>\n                    <\/div>\n\n                    \n                    <nav class=\"hidden lg:flex flex-col gap-2 w-full flex-1\" role=\"tablist\" aria-orientation=\"vertical\" aria-label=\"Content sections\">\n                                                    <button\n                                id=\"tab-0\"\n                                role=\"tab\"\n                                type=\"button\"\n                                aria-selected=\"true\"\n                                aria-controls=\"panel-0\"\n                                tabindex=\"0\"\n                                class=\"pc-tab-button w-full px-4 py-2 rounded-sm text-dark-blue text-base font-bold text-center cursor-pointer pc-tab-button--active\"\n                            >\n                                Services d\u2019approvisionnement \n                            <\/button>\n                                                    <button\n                                id=\"tab-1\"\n                                role=\"tab\"\n                                type=\"button\"\n                                aria-selected=\"false\"\n                                aria-controls=\"panel-1\"\n                                tabindex=\"-1\"\n                                class=\"pc-tab-button w-full px-4 py-2 rounded-sm text-dark-blue text-base font-bold text-center cursor-pointer \"\n                            >\n                                Planification et renouvellement \u00e0 long terme : le PGA (plan de gestion des actifs)\n                            <\/button>\n                                                    <button\n                                id=\"tab-2\"\n                                role=\"tab\"\n                                type=\"button\"\n                                aria-selected=\"false\"\n                                aria-controls=\"panel-2\"\n                                tabindex=\"-1\"\n                                class=\"pc-tab-button w-full px-4 py-2 rounded-sm text-dark-blue text-base font-bold text-center cursor-pointer \"\n                            >\n                                Services de planification financi\u00e8re\n                            <\/button>\n                                                    <button\n                                id=\"tab-3\"\n                                role=\"tab\"\n                                type=\"button\"\n                                aria-selected=\"false\"\n                                aria-controls=\"panel-3\"\n                                tabindex=\"-1\"\n                                class=\"pc-tab-button w-full px-4 py-2 rounded-sm text-dark-blue text-base font-bold text-center cursor-pointer \"\n                            >\n                                Services de gestion de projet \n                            <\/button>\n                                                    <button\n                                id=\"tab-4\"\n                                role=\"tab\"\n                                type=\"button\"\n                                aria-selected=\"false\"\n                                aria-controls=\"panel-4\"\n                                tabindex=\"-1\"\n                                class=\"pc-tab-button w-full px-4 py-2 rounded-sm text-dark-blue text-base font-bold text-center cursor-pointer \"\n                            >\n                                Gestion de fonds d\u2019investissement avec Encasa Financial\n                            <\/button>\n                                                    <button\n                                id=\"tab-5\"\n                                role=\"tab\"\n                                type=\"button\"\n                                aria-selected=\"false\"\n                                aria-controls=\"panel-5\"\n                                tabindex=\"-1\"\n                                class=\"pc-tab-button w-full px-4 py-2 rounded-sm text-dark-blue text-base font-bold text-center cursor-pointer \"\n                            >\n                                Efficacit\u00e9 \u00e9nerg\u00e9tique\n                            <\/button>\n                                            <\/nav>\n                            <\/div>\n            <div class=\"flex flex-1\">\n                                    <div class=\"flex-1\">\n                                                    <div\n                                id=\"panel-0\"\n                                role=\"tabpanel\"\n                                aria-labelledby=\"tab-0\"\n                                tabindex=\"0\"\n                                class=\"pc-tab-panel block\"\n                            >\n                                                                    <div class=\"wysiwyg\"><p><span style=\"font-weight: 400\">Les rapports techniques cernent les probl\u00e8mes actuels des immeubles des coop\u00e9ratives et aident \u00e0 comprendre les besoins en immobilisations de la coop\u00e9rative. Ils r\u00e9v\u00e8lent si les b\u00e2timents sont \u00e9quip\u00e9s pour r\u00e9pondre aux besoins des membres aujourd\u2019hui et \u00e0 long terme.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Pour assurer la sant\u00e9 financi\u00e8re et la viabilit\u00e9 \u00e0 long terme de votre coop\u00e9rative, il est essentiel de savoir quelles r\u00e9parations et quels remplacements doivent \u00eatre effectu\u00e9s, et \u00e0 quel moment.<\/span><\/p>\n<p><span style=\"font-weight: 400\">La FHCC peut aider votre coop\u00e9rative \u00e0 obtenir les services de professionnelles et professionnels qualifi\u00e9s pour\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">\u00c9valuer l\u2019\u00e9tat actuel des immeubles de votre coop\u00e9rative\u00a0: Une <\/span><b><i>\u00e9valuation de l\u2019\u00e9tat des b\u00e2timents<\/i><\/b><span style=\"font-weight: 400\"> est r\u00e9alis\u00e9e par une professionnelle ou un professionnel agr\u00e9\u00e9 en science du b\u00e2timent afin de produire un rapport sur l\u2019\u00e9tat des b\u00e2timents de la coop\u00e9rative, y compris les r\u00e9parations n\u00e9cessaires.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Ce rapport est un document de planification essentiel pour la coop\u00e9rative, qui indique les r\u00e9parations et les remplacements n\u00e9cessaires ainsi que les estimations des co\u00fbts et les calendriers correspondants.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Nous vous aiderons \u00e0 pr\u00e9parer et \u00e0 envoyer une demande de propositions aux entreprises qualifi\u00e9es, \u00e0 analyser les propositions que vous recevrez, \u00e0 examiner les \u00e9bauches des rapports d\u2019\u00e9valuation de l\u2019\u00e9tat des b\u00e2timents et \u00e0 garantir la livraison d\u2019un produit de qualit\u00e9.<\/span><\/p>\n<p><span style=\"font-weight: 400\">En fonction des recommandations de l\u2019\u00e9valuation de l\u2019\u00e9tat des b\u00e2timents et des priorit\u00e9s de la coop\u00e9rative, le PGA fournira un calendrier des d\u00e9penses en immobilisations \u00e0 court terme, \u00e0 moyen terme et \u00e0 long terme pour effectuer les r\u00e9parations et les remplacements de la fa\u00e7on la plus avantageuse.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Pour en apprendre plus sur les besoins en mati\u00e8re de r\u00e9paration des b\u00e2timents, veuillez visionner notre webinaire \u00ab\u00a0Where to Start\u00a0\u00bb (offert en anglais seulement). Il vous aidera\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">\u00c0 obtenir des recommandations qui r\u00e9duiront vos co\u00fbts \u00e9nerg\u00e9tiques au moyen de <\/span><b><i>v\u00e9rifications \u00e9nerg\u00e9tiques et environnementales<\/i><\/b><span style=\"font-weight: 400\">;<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">\u00c0 \u00e9valuer l\u2019\u00e9tat de l\u2019immeuble de la coop\u00e9rative et \u00e0 explorer les possibilit\u00e9s d\u2019accueillir des membres plus \u00e2g\u00e9s et des membres ayant des besoins particuliers, en respectant les normes de vieillissement chez soi et d\u2019accessibilit\u00e9 au moyen d\u2019<\/span><b><i>\u00e9tudes sur le vieillissement chez soi et l\u2019accessibilit\u00e9<\/i><\/b><span style=\"font-weight: 400\">.<\/span><\/p>\n<\/div>\n                                                            <\/div>\n                                                    <div\n                                id=\"panel-1\"\n                                role=\"tabpanel\"\n                                aria-labelledby=\"tab-1\"\n                                tabindex=\"0\"\n                                class=\"pc-tab-panel hidden\"\n                            >\n                                                                    <div class=\"wysiwyg\"><p><span style=\"font-weight: 400\">La planification \u00e0 long terme peut \u00eatre complexe, et m\u00eame risqu\u00e9e, et n\u00e9cessite une expertise ad\u00e9quate. Les Services de gestion des actifs et de planification financi\u00e8re de la FHCC ont une compr\u00e9hension approfondie des coop\u00e9ratives d\u2019habitation. Le plan de gestion des actifs est un outil qui permet d\u2019\u00e9liminer les incertitudes au moment de d\u00e9cider ce qui doit \u00eatre remplac\u00e9, quand, par qui et \u00e0 quel co\u00fbt. La FHCC collabore avec les conseils d\u2019administration pour cr\u00e9er un plan \u00e0 long terme qui assure la viabilit\u00e9 et le succ\u00e8s continu des coop\u00e9ratives d\u2019habitation. La gestion des actifs consiste \u00e0 planifier, \u00e0 d\u00e9velopper et \u00e0 pr\u00e9server les logements pour l\u2019avenir.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Chaque coop\u00e9rative a besoin d\u2019une planification \u00e0 long terme. Une planification efficace de la gestion des actifs est essentielle pour aider les coop\u00e9ratives d\u2019habitation \u00e0 effectuer les r\u00e9parations et les am\u00e9liorations n\u00e9cessaires aux b\u00e2timents.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Le plan de gestion des actifs est un rapport exclusif pr\u00e9par\u00e9 par la FHCC. Il synth\u00e9tise les rapports techniques et \u00e9labore un plan qui\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Est r\u00e9dig\u00e9 dans un langage clair et simple;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Est adapt\u00e9 \u00e0 la coop\u00e9rative et tient compte des objectifs et des besoins de la coop\u00e9rative pour assurer sa viabilit\u00e9 \u00e0 long terme;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Comprend un calendrier de r\u00e9paration des immobilisations sur 30\u00a0ans pr\u00e9par\u00e9 au moyen d\u2019estimations document\u00e9es des co\u00fbts et des revenus futurs pour pr\u00e9parer les projections financi\u00e8res;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Est con\u00e7u pour \u00eatre transmis au fil du temps. Les conseils d\u2019administration et le personnel peuvent changer, mais le plan se poursuit. La coop\u00e9rative conserve le contr\u00f4le, tandis que le plan fournit l\u2019information n\u00e9cessaire pour faire des choix \u00e9clair\u00e9s;\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Explique comment g\u00e9rer l\u2019argent de la coop\u00e9rative afin qu\u2019elle puisse se permettre des travaux de r\u00e9paration et de r\u00e9novation;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Fournit une analyse financi\u00e8re compl\u00e8te, y compris les revenus et les d\u00e9penses d\u2019exploitation, les soldes des fonds de r\u00e9serve, les loyers du march\u00e9, les dettes et les calendriers des d\u00e9penses en immobilisations;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">D\u00e9finit les besoins financiers de la coop\u00e9rative, y compris les strat\u00e9gies en mati\u00e8re de droits d\u2019occupation, l\u2019aide et les subventions gouvernementales, l\u2019\u00e9pargne, les subventions, les pr\u00eats et, lorsqu\u2019on le recommande, l\u2019emprunt ou le refinancement, et qui aide la coop\u00e9rative \u00e0 obtenir ces fonds;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Traduit l\u2019\u00e9tude du fonds de r\u00e9serve en mesures concr\u00e8tes en cernant les probl\u00e8mes actuels et en fournissant des strat\u00e9gies pour l\u2019entretien et la viabilit\u00e9 \u00e0 long terme. Il pr\u00e9cise le montant que la coop\u00e9rative devra d\u00e9penser, et \u00e0 quel moment, pour les r\u00e9parations et les remplacements.<\/span><\/li>\n<\/ul>\n<h6>Le processus\u00a0:<\/h6>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une \u00e9valuation de l\u2019\u00e9tat des b\u00e2timents est une condition pr\u00e9alable \u00e0 l\u2019\u00e9laboration d\u2019un plan de gestion des actifs.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Au d\u00e9but du plan, on demandera \u00e0 la coop\u00e9rative de fournir une r\u00e9troaction sur l\u2019\u00e9valuation de l\u2019\u00e9tat du b\u00e2timent effectu\u00e9e par le cabinet d\u2019ing\u00e9nierie afin de confirmer l\u2019exactitude des donn\u00e9es et la description des composantes.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Nous travaillerons avec votre coop\u00e9rative pour comprendre vos pr\u00e9occupations et vos objectifs tout en r\u00e9digeant le PGA. Une fois l\u2019\u00e9bauche termin\u00e9e, nous rencontrerons votre conseil d\u2019administration et lui pr\u00e9senterons l\u2019analyse et les constatations d\u00e9crites dans le rapport.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Nous recueillerons vos commentaires sur l\u2019\u00e9bauche du PGA, apporterons les ajustements n\u00e9cessaires et vous fournirons ensuite un plan de gestion des actifs d\u00e9finitif.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Le PGA est \u00e9labor\u00e9 en accordant la priorit\u00e9 aux besoins des coop\u00e9ratives afin de leur assurer un avenir brillant et durable. La coop\u00e9rative devrait revoir le plan chaque ann\u00e9e et le mettre \u00e0 jour tous les cinq ans.<\/span><\/p>\n<\/div>\n                                                            <\/div>\n                                                    <div\n                                id=\"panel-2\"\n                                role=\"tabpanel\"\n                                aria-labelledby=\"tab-2\"\n                                tabindex=\"0\"\n                                class=\"pc-tab-panel hidden\"\n                            >\n                                                                    <div class=\"wysiwyg\"><p><span style=\"font-weight: 400\">Mise en relation des coop\u00e9ratives avec du financement \u00e0 long terme par l\u2019entremise d\u2019un r\u00e9seau de coop\u00e9ratives de cr\u00e9dit partenaires.<\/span><\/p>\n<h6><span style=\"font-weight: 400\"><br \/>\n<\/span>Comment les coop\u00e9ratives trouvent-elles l\u2019argent n\u00e9cessaire pour effectuer des r\u00e9parations?<\/h6>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">La FHCC aide les conseils d\u2019administration \u00e0 prendre des d\u00e9cisions concernant l\u2019\u00e9pargne et les emprunts. S\u2019il y a des possibilit\u00e9s de subventions, elles seront \u00e9galement examin\u00e9es.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Certaines coop\u00e9ratives peuvent constater qu\u2019elles ont suffisamment d\u2019argent dans leurs r\u00e9serves pour effectuer des r\u00e9parations, mais la plupart d\u2019entre elles auront besoin de fonds suppl\u00e9mentaires pour commencer. Le PGA montrera comment combiner la r\u00e9serve d\u2019une coop\u00e9rative avec un nouveau pr\u00eat hypoth\u00e9caire pour les r\u00e9novations.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Lorsqu\u2019elles demandent un pr\u00eat, les coop\u00e9ratives doivent se poser trois questions fondamentales\u00a0:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">La coop\u00e9rative peut-elle rembourser le pr\u00eat? (\u00e9valuation de la couverture de la dette)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Quelle est la valeur de la propri\u00e9t\u00e9? (garantie pour le pr\u00eateur)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Comment la coop\u00e9rative s\u2019occupera-t-elle des r\u00e9parations pendant la dur\u00e9e du pr\u00eat? (planification des r\u00e9parations pendant que le pr\u00eateur d\u00e9tient l\u2019investissement dans la coop\u00e9rative)<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">La coop\u00e9rative devra \u00e9galement constituer un forfait de pr\u00eat formel qui comprend une \u00e9valuation de l\u2019\u00e9tat des b\u00e2timents, des pr\u00e9visions de r\u00e9serves et un plan de gestion des actifs. Sans aide, cela peut constituer un d\u00e9fi pour la plupart des coop\u00e9ratives. Consciente de ce fait, la FHCC a \u00e9labor\u00e9 un programme de financement que les coop\u00e9ratives de tout le Canada ont toujours utilis\u00e9 avec succ\u00e8s pour refinancer et financer des r\u00e9parations d\u2019immobilisations \u00e0 grande \u00e9chelle.<\/span><\/p>\n<\/div>\n                                                            <\/div>\n                                                    <div\n                                id=\"panel-3\"\n                                role=\"tabpanel\"\n                                aria-labelledby=\"tab-3\"\n                                tabindex=\"0\"\n                                class=\"pc-tab-panel hidden\"\n                            >\n                                                                    <div class=\"wysiwyg\"><p><span style=\"font-weight: 400\">De nombreuses coop\u00e9ratives peuvent se demander si elles ont vraiment besoin d\u2019un gestionnaire de projet. Cependant, elles constatent souvent que leurs projets prennent plus de temps que pr\u00e9vu et d\u00e9passent le budget. Le fait de n\u00e9gliger l\u2019importance de la gestion de projet peut entra\u00eener des probl\u00e8mes importants pour les coop\u00e9ratives. Sous-estimer le r\u00f4le d\u2019un gestionnaire de projet est une grave erreur.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Les grands projets d\u2019immobilisations n\u00e9cessitent une planification et une supervision expertes. Les appels d\u2019offres, l\u2019\u00e9tablissement et la gestion de contrats avec les entrepreneurs et l\u2019assurance de la qualit\u00e9 du travail sont essentiels pour respecter les d\u00e9lais et le budget, ainsi que pour veiller \u00e0 ce que le travail soit bien fait.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">\u00c9liminez les incertitudes et le stress li\u00e9s \u00e0 vos projets d\u2019envergure. Les Services de gestion des actifs de la FHCC peuvent vous aider \u00e0 obtenir les services de gestion de projet dont vous avez besoin pour obtenir les meilleurs r\u00e9sultats pour votre coop\u00e9rative et vos membres.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Trouver un gestionnaire de projet<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Les grands projets de r\u00e9paration peuvent \u00eatre co\u00fbteux et compliqu\u00e9s. Un bon gestionnaire de projet peut faire une diff\u00e9rence importante et \u00e9viter aux coop\u00e9ratives des erreurs co\u00fbteuses. La FHCC peut aider les coop\u00e9ratives \u00e0 trouver un gestionnaire de projet en \u00e9laborant une demande de propositions, en mettant en \u0153uvre le processus d\u2019appel d\u2019offres de la coop\u00e9rative et en \u00e9valuant les propositions re\u00e7ues. Par ailleurs, la FHCC peut mettre les coop\u00e9ratives en contact avec des partenaires de confiance avec lesquels elle a collabor\u00e9 avec succ\u00e8s dans le cadre de nombreux projets. Pour obtenir de plus amples renseignements, veuillez communiquer directement avec Ofelia\u00a0Guanlao \u00e0 l\u2019adresse oguanlao@fhcc.coop.<\/span><\/p>\n<\/div>\n                                                            <\/div>\n                                                    <div\n                                id=\"panel-4\"\n                                role=\"tabpanel\"\n                                aria-labelledby=\"tab-4\"\n                                tabindex=\"0\"\n                                class=\"pc-tab-panel hidden\"\n                            >\n                                                                    <div class=\"wysiwyg\"><p><span style=\"font-weight: 400\">Experts en investissement sp\u00e9cialis\u00e9s dans le secteur du logement abordable au Canada. Propri\u00e9t\u00e9 de la FHCC et de Housing Services Corp, Encasa offre des produits de placement adapt\u00e9s aux besoins \u00e0 long terme des coop\u00e9ratives d\u2019habitation \u00e0 but non lucratif. Encasa offre\u00a0:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des fonds communs de placement dont la tol\u00e9rance au risque varie;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des placements responsables;<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">De faibles frais de gestion.<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Notre objectif est d\u2019aider les fournisseurs de logements abordables \u00e0 mieux positionner leurs fonds aujourd\u2019hui afin qu\u2019ils soient en mesure de fonctionner pendant de nombreuses ann\u00e9es. <\/span><\/p>\n<a href=\"#\" class=\"group inline-flex items-center mt-4 gap-2 transition-all no-underline! font-semibold bg-transparent text-dark-blue hover:opacity-80 wysiwyg-button\" target=\"_self\">En savoir plus <svg aria-hidden=\"true\" class=\"transition-transform translate-x-0 group-hover:translate-x-1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M12 16L16 12M16 12L12 8M16 12H8M22 12C22 17.5228 17.5228 22 12 22C6.47715 22 2 17.5228 2 12C2 6.47715 6.47715 2 12 2C17.5228 2 22 6.47715 22 12Z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n<\/svg><\/a>\n<\/div>\n                                                            <\/div>\n                                                    <div\n                                id=\"panel-5\"\n                                role=\"tabpanel\"\n                                aria-labelledby=\"tab-5\"\n                                tabindex=\"0\"\n                                class=\"pc-tab-panel hidden\"\n                            >\n                                                                    <div class=\"wysiwyg\"><a href=\"#\" class=\"group inline-flex items-center mt-4 gap-2 transition-all no-underline! font-semibold bg-transparent text-dark-blue hover:opacity-80 wysiwyg-button\" target=\"_self\">T\u00e9l\u00e9chargez la brochure sure la v\u00e9rification \u00e9nerg\u00e9tique <svg aria-hidden=\"true\" class=\"transition-transform translate-x-0 group-hover:translate-x-1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M12 16L16 12M16 12L12 8M16 12H8M22 12C22 17.5228 17.5228 22 12 22C6.47715 22 2 17.5228 2 12C2 6.47715 6.47715 2 12 2C17.5228 2 22 6.47715 22 12Z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n<\/svg><\/a>\n<\/div>\n                                                            <\/div>\n                                            <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"text-and-image\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative \">\n        <div class=\"pc-container-lg\">\n        <div class=\"flex flex-col lg:flex-row gap-6 lg:gap-10 links-center\" data-stagger='true'>\n                            <div class=\"flex-1 flex relative links-center justify-center items-center \">\n                                                                                    <img decoding=\"async\"\n                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/f20a1c03ab5cdb66c4d84fb67375b0496170e6d4.webp\"\n                        alt=\"\"\n                        class=\"w-full h-80 lg:h-160 max-h-80 lg:max-h-160 rounded-2xl object-cover\"\n                        >\n                                    <\/div>\n                        <div class=\"flex-1 flex flex-col lg:justify-center items-start bg-white pc-shadow-md px-4 py-6 lg:px-8 lg:py-10 rounded-2xl\">\n                \n                                                            <h4 class=\"font-bold! tracking-[0.04rem] mb-4\">Commencez d\u00e8s aujourd\u2019hui<\/h4>\n                                    \n                                    <div class=\"mb-4 wysiwyg\"><p><span style=\"font-weight: 400\">La FHCC peut vous aider \u00e0 b\u00e2tir un avenir durable pour votre coop\u00e9rative d\u2019habitation. Nous sommes votre source coop\u00e9rative de conseils et de services.<\/span><\/p>\n<\/div>\n                                                                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"card-section\" class=\"pc-block-wrapper pc-block-wrapper--dark-blue pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative text-white\">\n        <div class=\"pc-container-lg \">\n        <div class=\"flex flex-col \">\n                            <h5 class=\"font-bold mb-10 lg:max-w-[36ch] text-white\">Helpful Resources:<\/h5>\n                                                    <div class=\"grid grid-cols-1 lg:grid-cols-4 gap-8 w-full\" data-stagger='true'>\n                                                                                            <div class=\"bg-transparent text-white items-start rounded-2xl flex flex-col justify-between\">\n  <div class=\"p-4\">\n          <div class=\"w-full flex justify-between items-center mb-6\">\n        \n                  <div class=\"rounded-full w-16 h-16 p-2 bg-light-blue flex items-center justify-center\">\n            <img decoding=\"async\" \n              src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon-1.svg\" alt=\"\"\n              class=\"h-10 w-10\"\n            >\n          <\/div>\n              <\/div>\n    \n    <div class=\"flex flex-col gap-2 p-0 \">\n      \n              <div class=\"lg:mb-20\"><h6>T\u00e9l\u00e9chargez la grille de tarifs<\/h6>\n<\/div>\n          <\/div>\n  <\/div>\n        <a class=\"group inline-flex items-center gap-2 transition-all no-underline! font-semibold group bg-dark-blue text-white px-6 py-3 rounded-sm hover:bg-very-dark-blue lg:h-24 p-7 rounded-b-2xl justify-start w-auto bg-transparent hover:opacity-80\" href=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/AMS_SERVICES-Fee-Schedule-May-2024.pdf\"  target=\"_self\" >\n  T\u00e9l\u00e9chargez\n\n      <svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M8 11.9998L12 15.9998M12 15.9998L16 11.9998M12 15.9998V6.79982C12 5.40911 12 4.71376 11.4495 3.93521C11.0837 3.41793 10.0306 2.7795 9.40278 2.69444C8.45789 2.56642 8.09907 2.7536 7.38143 3.12796C4.18333 4.79625 2 8.14306 2 11.9998C2 17.5227 6.47715 21.9998 12 21.9998C17.5228 21.9998 22 17.5227 22 11.9998C22 8.29841 19.989 5.06669 17 3.33764\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n  <\/a>\n  \n  \n<\/div>\n                                                                                                                    <div class=\"bg-transparent text-white items-start rounded-2xl flex flex-col justify-between\">\n  <div class=\"p-4\">\n          <div class=\"w-full flex justify-between items-center mb-6\">\n        \n                  <div class=\"rounded-full w-16 h-16 p-2 bg-light-blue flex items-center justify-center\">\n            <img decoding=\"async\" \n              src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon-1.svg\" alt=\"\"\n              class=\"h-10 w-10\"\n            >\n          <\/div>\n              <\/div>\n    \n    <div class=\"flex flex-col gap-2 p-0 \">\n      \n              <div class=\"lg:mb-20\"><h6>T\u00e9l\u00e9chargez la brochure sur la ga<\/h6>\n<\/div>\n          <\/div>\n  <\/div>\n        <a class=\"group inline-flex items-center gap-2 transition-all no-underline! font-semibold group bg-dark-blue text-white px-6 py-3 rounded-sm hover:bg-very-dark-blue lg:h-24 p-7 rounded-b-2xl justify-start w-auto bg-transparent hover:opacity-80\" href=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/CHF-Financial-Planning-Brochure_Eng_WEB.pdf\"  target=\"_self\" >\n  T\u00e9l\u00e9chargez\n\n      <svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M8 11.9998L12 15.9998M12 15.9998L16 11.9998M12 15.9998V6.79982C12 5.40911 12 4.71376 11.4495 3.93521C11.0837 3.41793 10.0306 2.7795 9.40278 2.69444C8.45789 2.56642 8.09907 2.7536 7.38143 3.12796C4.18333 4.79625 2 8.14306 2 11.9998C2 17.5227 6.47715 21.9998 12 21.9998C17.5228 21.9998 22 17.5227 22 11.9998C22 8.29841 19.989 5.06669 17 3.33764\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n  <\/a>\n  \n  \n<\/div>\n                                                                                                                    <div class=\"bg-transparent text-white items-start rounded-2xl flex flex-col justify-between\">\n  <div class=\"p-4\">\n          <div class=\"w-full flex justify-between items-center mb-6\">\n        \n                  <div class=\"rounded-full w-16 h-16 p-2 bg-light-blue flex items-center justify-center\">\n            <img decoding=\"async\" \n              src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon-1.svg\" alt=\"\"\n              class=\"h-10 w-10\"\n            >\n          <\/div>\n              <\/div>\n    \n    <div class=\"flex flex-col gap-2 p-0 \">\n      \n              <div class=\"lg:mb-20\"><h6>T\u00e9l\u00e9chargez la brochure sur les services de planification financi\u00e8re<\/h6>\n<\/div>\n          <\/div>\n  <\/div>\n        <a class=\"group inline-flex items-center gap-2 transition-all no-underline! font-semibold group bg-dark-blue text-white px-6 py-3 rounded-sm hover:bg-very-dark-blue lg:h-24 p-7 rounded-b-2xl justify-start w-auto bg-transparent hover:opacity-80\" href=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/CHF-Financial-Planning-Brochure_Eng_WEB.pdf\"  target=\"_self\" >\n  T\u00e9l\u00e9chargez\n\n      <svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M8 11.9998L12 15.9998M12 15.9998L16 11.9998M12 15.9998V6.79982C12 5.40911 12 4.71376 11.4495 3.93521C11.0837 3.41793 10.0306 2.7795 9.40278 2.69444C8.45789 2.56642 8.09907 2.7536 7.38143 3.12796C4.18333 4.79625 2 8.14306 2 11.9998C2 17.5227 6.47715 21.9998 12 21.9998C17.5228 21.9998 22 17.5227 22 11.9998C22 8.29841 19.989 5.06669 17 3.33764\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n  <\/a>\n  \n  \n<\/div>\n                                                                                                                    <div class=\"bg-transparent text-white items-start rounded-2xl flex flex-col justify-between\">\n  <div class=\"p-4\">\n          <div class=\"w-full flex justify-between items-center mb-6\">\n        \n                  <div class=\"rounded-full w-16 h-16 p-2 bg-light-blue flex items-center justify-center\">\n            <img decoding=\"async\" \n              src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon-1.svg\" alt=\"\"\n              class=\"h-10 w-10\"\n            >\n          <\/div>\n              <\/div>\n    \n    <div class=\"flex flex-col gap-2 p-0 \">\n      \n              <div class=\"lg:mb-20\"><h6>Renseignements suppl\u00e9mentaires sur la planification financi\u00e8re<\/h6>\n<\/div>\n          <\/div>\n  <\/div>\n        <a class=\"group inline-flex items-center gap-2 transition-all no-underline! font-semibold group bg-dark-blue text-white px-6 py-3 rounded-sm hover:bg-very-dark-blue lg:h-24 p-7 rounded-b-2xl justify-start w-auto bg-transparent hover:opacity-80\" href=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/AFPS-Refinancing_WEB.pdf\"  target=\"_self\" >\n  T\u00e9l\u00e9chargez\n\n      <svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M8 11.9998L12 15.9998M12 15.9998L16 11.9998M12 15.9998V6.79982C12 5.40911 12 4.71376 11.4495 3.93521C11.0837 3.41793 10.0306 2.7795 9.40278 2.69444C8.45789 2.56642 8.09907 2.7536 7.38143 3.12796C4.18333 4.79625 2 8.14306 2 11.9998C2 17.5227 6.47715 21.9998 12 21.9998C17.5228 21.9998 22 17.5227 22 11.9998C22 8.29841 19.989 5.06669 17 3.33764\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n  <\/a>\n  \n  \n<\/div>\n                                                            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"team-members\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n        <div class=\"pc-container-lg\">\n                            <div class=\"grid grid-cols-1 md:grid-cols-2 lg:grid-cols-4 gap-6\" data-stagger='true'>\n                                    <a href=\"https:\/\/chf-ca.papercrane.ca\/fr\/staff\/ofelia-guanlao\/\" class=\"team-member-card no-underline! relative block group max-h-100 rounded-lg overflow-hidden\">\n                        <div class=\"mb-4 overflow-hidden rounded-lg\">\n                                                            <img decoding=\"async\" src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/03\/Open-Graph-OG-Image-1024x538.jpg\" alt=\"Ofelia Guanlao\" class=\"w-full max-h-100 h-full object-cover transition-all duration-500 ease-out will-change-transform group-hover:scale-[1.03] group-hover:brightness-[0.92] object-[50%_25%]\" \/>\n                                                    <\/div>\n                        <div class=\"absolute max-w-[96%] left-[2%] bottom-4 w-full p-3 rounded-2xl pc-shadow-sm backdrop-blur-sm bg-white\/50 group-hover:backdrop-blur-md group-hover:bg-white\/65 transition-all duration-300 ease-out\">\n                            <svg aria-hidden=\"true\"  class=\"w-7 h-7 text-dark-blue absolute bottom-3 right-3 -rotate-45 opacity-0 group-hover:opacity-100 transition-opacity duration-300 ease-out\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M5 12H19M19 12L12 5M19 12L12 19\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n                            <h3 class=\"text-xl! font-bold mb-2\">Ofelia Guanlao<\/h3>\n                                                                                        <p class=\"text-xs! max-w-[30ch] mb-2\">Responsable principal de programme, services de gestion d\u2019actifs<\/p>\n                                                                                <\/div>\n                    <\/a>\n                                    <a href=\"https:\/\/chf-ca.papercrane.ca\/fr\/staff\/david-howard\/\" class=\"team-member-card no-underline! relative block group max-h-100 rounded-lg overflow-hidden\">\n                        <div class=\"mb-4 overflow-hidden rounded-lg\">\n                                                            <img decoding=\"async\" src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/03\/Open-Graph-OG-Image-1024x538.jpg\" alt=\"David Howard\" class=\"w-full max-h-100 h-full object-cover transition-all duration-500 ease-out will-change-transform group-hover:scale-[1.03] group-hover:brightness-[0.92] object-[50%_25%]\" \/>\n                                                    <\/div>\n                        <div class=\"absolute max-w-[96%] left-[2%] bottom-4 w-full p-3 rounded-2xl pc-shadow-sm backdrop-blur-sm bg-white\/50 group-hover:backdrop-blur-md group-hover:bg-white\/65 transition-all duration-300 ease-out\">\n                            <svg aria-hidden=\"true\"  class=\"w-7 h-7 text-dark-blue absolute bottom-3 right-3 -rotate-45 opacity-0 group-hover:opacity-100 transition-opacity duration-300 ease-out\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M5 12H19M19 12L12 5M19 12L12 19\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n                            <h3 class=\"text-xl! font-bold mb-2\">David Howard<\/h3>\n                                                                                        <p class=\"text-xs! max-w-[30ch] mb-2\">Responsable de programme, services de planification financi\u00e8re<\/p>\n                                                                                <\/div>\n                    <\/a>\n                                    <a href=\"https:\/\/chf-ca.papercrane.ca\/fr\/staff\/catherine-cummings\/\" class=\"team-member-card no-underline! relative block group max-h-100 rounded-lg overflow-hidden\">\n                        <div class=\"mb-4 overflow-hidden rounded-lg\">\n                                                            <img decoding=\"async\" src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/03\/Open-Graph-OG-Image-1024x538.jpg\" alt=\"Catherine Cummings\" class=\"w-full max-h-100 h-full object-cover transition-all duration-500 ease-out will-change-transform group-hover:scale-[1.03] group-hover:brightness-[0.92] object-[50%_25%]\" \/>\n                                                    <\/div>\n                        <div class=\"absolute max-w-[96%] left-[2%] bottom-4 w-full p-3 rounded-2xl pc-shadow-sm backdrop-blur-sm bg-white\/50 group-hover:backdrop-blur-md group-hover:bg-white\/65 transition-all duration-300 ease-out\">\n                            <svg aria-hidden=\"true\"  class=\"w-7 h-7 text-dark-blue absolute bottom-3 right-3 -rotate-45 opacity-0 group-hover:opacity-100 transition-opacity duration-300 ease-out\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M5 12H19M19 12L12 5M19 12L12 19\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n                            <h3 class=\"text-xl! font-bold mb-2\">Catherine Cummings<\/h3>\n                                                                                        <p class=\"text-xs! max-w-[30ch] mb-2\">Coordinatrice, Assurance, Gestion d&#039;actifs et Services de planification financi\u00e8re<\/p>\n                                                                                <\/div>\n                    <\/a>\n                            <\/div>\n            <\/div>\n<\/section>\n\n\n<section data-pc-section=\"map-section\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative\">\n        <div class=\"pc-container-lg\">\n        <div class=\"flex flex-col lg:flex-row gap-10 lg:items-center\">\n            <div class=\"flex-1 flex flex-col items-start\">\n                                    <h2 class=\"font-bold text-[2rem]! lg:text-5xl! leading-[125%]! tracking-[0.64px] mb-10\">To contact the Board<\/h2>\n                                <div class=\"bg-white rounded-2xl shadow-[0px_2px_24px_0px_rgba(0,0,0,0.1)] p-4 lg:p-6 flex flex-col gap-10 w-full\">\n                                            <div class=\"flex items-center gap-3\">\n                            <svg aria-hidden=\"true\"  class=\"w-6 h-6 text-dark-blue shrink-0\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n  <path d=\"M28.666 24.0002L19.8089 16.0002M12.1898 16.0002L3.33273 24.0002M2.66602 9.3335L13.5526 16.9541C14.4341 17.5712 14.8749 17.8797 15.3544 17.9992C15.7779 18.1048 16.2208 18.1048 16.6443 17.9992C17.1238 17.8797 17.5646 17.5712 18.4461 16.9541L29.3327 9.3335M9.06602 26.6668H22.9327C25.1729 26.6668 26.293 26.6668 27.1486 26.2309C27.9013 25.8474 28.5132 25.2354 28.8967 24.4828C29.3327 23.6271 29.3327 22.507 29.3327 20.2668V11.7335C29.3327 9.49329 29.3327 8.37318 28.8967 7.51753C28.5132 6.76489 27.9013 6.15296 27.1486 5.76947C26.293 5.3335 25.1729 5.3335 22.9327 5.3335H9.06602C6.82581 5.3335 5.7057 5.3335 4.85005 5.76947C4.09741 6.15296 3.48548 6.76489 3.10199 7.51753C2.66602 8.37318 2.66602 9.49329 2.66602 11.7335V20.2668C2.66602 22.507 2.66602 23.6271 3.10199 24.4828C3.48548 25.2354 4.09741 25.8474 4.85005 26.2309C5.7057 26.6668 6.82581 26.6668 9.06602 26.6668Z\" stroke=\"#002367\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>                            <a href=\"mailto:boardofdirectors@chfcanada.coop\" class=\"font-bold text-dark-blue hover:underline\">boardofdirectors@chfcanada.coop<\/a>\n                        <\/div>\n                    \n                                            <div class=\"flex items-center gap-3\">\n                            <svg aria-hidden=\"true\"  class=\"w-6 h-6 text-dark-blue shrink-0\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\">\n  <path d=\"M8.76745 9.89822C9.69545 11.831 10.9605 13.6426 12.5626 15.2447C14.1647 16.8468 15.9762 18.1118 17.9091 19.0398C18.0753 19.1196 18.1584 19.1596 18.2636 19.1902C18.6374 19.2992 19.0964 19.2209 19.413 18.9942C19.5021 18.9304 19.5783 18.8542 19.7307 18.7018C20.1969 18.2357 20.4299 18.0026 20.6643 17.8502C21.5482 17.2756 22.6876 17.2756 23.5715 17.8502C23.8058 18.0026 24.0389 18.2357 24.505 18.7018L24.7649 18.9616C25.4734 19.6702 25.8277 20.0245 26.0202 20.405C26.403 21.1618 26.403 22.0555 26.0202 22.8122C25.8277 23.1927 25.4735 23.547 24.7649 24.2556L24.5547 24.4658C23.8485 25.172 23.4954 25.525 23.0154 25.7947C22.4827 26.0939 21.6554 26.3091 21.0444 26.3073C20.4938 26.3056 20.1175 26.1988 19.3649 25.9852C15.3204 24.8373 11.5039 22.6713 8.31996 19.4873C5.13599 16.3033 2.97002 12.4869 1.82206 8.44233C1.60845 7.68973 1.50165 7.31344 1.50001 6.76284C1.49819 6.15188 1.71334 5.32456 2.01257 4.79188C2.28223 4.31184 2.63532 3.95876 3.34148 3.25259L3.55166 3.04241C4.26025 2.33382 4.61454 1.97953 4.99505 1.78707C5.7518 1.40431 6.64549 1.40431 7.40223 1.78707C7.78274 1.97953 8.13704 2.33382 8.84563 3.04241L9.10545 3.30224C9.5716 3.76838 9.80466 4.00145 9.95705 4.23582C10.5317 5.11968 10.5317 6.25912 9.95705 7.14297C9.80467 7.37734 9.5716 7.61041 9.10545 8.07655C8.95304 8.22897 8.87683 8.30518 8.81304 8.39426C8.58636 8.71083 8.50809 9.16985 8.61706 9.54365C8.64772 9.64884 8.68763 9.73197 8.76745 9.89822Z\" stroke=\"#002367\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>                            <a href=\"tel:18004652752235\" class=\"font-bold text-dark-blue hover:underline\">1-800-465-2752 ext 235<\/a>\n                        <\/div>\n                    \n                                            <div class=\"flex items-start gap-3\">\n                            <svg aria-hidden=\"true\"  class=\"w-6 h-6 text-dark-blue shrink-0 mt-1\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n  <path d=\"M14 18.0002L28 4.00023M14.1701 18.4377L17.6743 27.4483C17.983 28.2421 18.1373 28.639 18.3597 28.7549C18.5525 28.8553 18.7822 28.8555 18.9751 28.7552C19.1976 28.6396 19.3525 28.2429 19.6621 27.4495L28.4492 4.93249C28.7287 4.21625 28.8685 3.85813 28.792 3.6293C28.7256 3.43056 28.5697 3.27461 28.3709 3.20822C28.1421 3.13177 27.784 3.27152 27.0678 3.55103L4.55075 12.3382C3.75732 12.6478 3.36061 12.8026 3.24499 13.0251C3.14477 13.2181 3.14491 13.4477 3.24536 13.6405C3.36123 13.8629 3.75813 14.0173 4.55192 14.326L13.5626 17.8301C13.7237 17.8928 13.8043 17.9241 13.8721 17.9725C13.9323 18.0154 13.9848 18.068 14.0277 18.1281C14.0761 18.196 14.1075 18.2765 14.1701 18.4377Z\" stroke=\"#002367\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>                            <div class=\"text-dark-blue font-bold [&#038;_p]:mb-0 [&#038;_p]:text-base\"><p>CHF Canada<br \/>\nAttn: Name of Board Member<br \/>\nc\/o Corporate Secretary<br \/>\n225 Metcalfe Street, Suite 311 | Ottawa ON, Canada\u00a0 K2P 1P9<\/p>\n<\/div>\n                        <\/div>\n                                    <\/div>\n            <\/div>\n\n            \n            <div class=\"flex-1 w-full lg:w-auto\">\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":5308,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5351","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Planification des actifs et des finances - CHF Canada<\/title>\n<meta name=\"robots\" content=\"noindex, 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