{"id":4411,"date":"2019-03-26T15:07:18","date_gmt":"2019-03-26T21:07:18","guid":{"rendered":"https:\/\/chf-ca.papercrane.ca\/une-cooperative-dhabitation-de-calgary-evite-des-degats-majeurs-avec-ses-murs-de-soutenement\/"},"modified":"2026-03-24T16:12:53","modified_gmt":"2026-03-24T22:12:53","slug":"une-cooperative-dhabitation-de-calgary-evite-des-degats-majeurs-avec-ses-murs-de-soutenement","status":"publish","type":"post","link":"https:\/\/chf-ca.papercrane.ca\/fr\/une-cooperative-dhabitation-de-calgary-evite-des-degats-majeurs-avec-ses-murs-de-soutenement\/","title":{"rendered":"Une coop\u00e9rative d’habitation de Calgary \u00e9vite des d\u00e9g\u00e2ts majeurs avec ses murs de sout\u00e8nement"},"content":{"rendered":"

Les coop\u00e9ratives d’habitation construites sur des collines font face \u00e0 des d\u00e9fis particuliers avec le temps, et c\u2019est le cas de la Ramsay Heights Co-op \u00e0 Calgary. Cette coop\u00e9rative de 37 logements a \u00e9t\u00e9 construite en 1977 sur une colline tr\u00e8s escarp\u00e9e au sud-est de Calgary, pr\u00e8s des terrains du Stampede de Calgary. L\u2019\u00e9l\u00e9vation entre la fa\u00e7ade de la coop\u00e9rative et le sommet de la plus haute maison \u00e9quivaut \u00e0 un immeuble de huit \u00e9tages. Les membres doivent monter 462 marches ext\u00e9rieures pour se rendre \u00e0 leur logement. De nombreux murs de sout\u00e8nement, certains atteignant 11 pieds de hauteur, stabilisent le terrain, emp\u00eachant les b\u00e2timents et les cours ext\u00e9rieures de glisser en bas de la colline. En 2016, l’\u00e9valuation de l’\u00e9tat du b\u00e2timent de la Ramsey Heights r\u00e9v\u00e9lait qu’un de ses principaux murs de sout\u00e8nement risquait de c\u00e9der \u00e0 court terme. D’autres murs devaient \u00eatre remplac\u00e9s d\u00e8s que la coop\u00e9rative pouvait effectuer les travaux. \u00ab Les ing\u00e9nieurs nous ont indiqu\u00e9 que le probl\u00e8me \u00e9tait in\u00e9vitable et urgent. Nous devions agir imm\u00e9diatement \u00bb, explique Colin Tomlins, r\u00e9sident de longue date de la Ramsey Heights, qui en est actuellement \u00e0 son troisi\u00e8me mandat au conseil d’administration. La Ramsey Heights faisait face \u00e0 des r\u00e9parations co\u00fbteuses. La coop\u00e9rative avait appris depuis quelque temps qu\u2019elle pourrait contracter un nouvel emprunt pour remplacer son pr\u00eat hypoth\u00e9caire existant \u00e0 taux fixe avec la SCHL, dont le taux d\u2019int\u00e9r\u00eat d\u00e9passait 10 p. cent. La coop\u00e9rative a donc demand\u00e9 l\u2019aide de la FHCC. Elle est la premi\u00e8re coop\u00e9rative \u00e0 Calgary \u00e0 obtenir un refinancement aupr\u00e8s des Services de planification financi\u00e8re de la FHCC<\/a>. \u00ab En bout de ligne, nous avons emprunt\u00e9 1,2 million de dollars de la Connect First Credit Union<\/a> \u00bb, pr\u00e9cise Maria Brogowski, gestionnaire \u00e0 temps partiel de la coop\u00e9rative. \u00ab Nous avons rembours\u00e9 le solde de 239 000 $ de notre pr\u00eat hypoth\u00e9caire avec la SCHL et nous utilisons le reste pour r\u00e9parer la coop\u00e9rative. Notre paiement mensuel est pass\u00e9 d’environ 15 000 $ \u00e0 environ 7 000 $, de sorte que nous pouvons d\u00e9poser 85 000 $ de plus dans nos r\u00e9serves chaque ann\u00e9e. \u00bb Colin Tomlins remercie la FHCC pour ce succ\u00e8s. \u00ab Tous les membres de notre conseil reconnaissent que, sans aide de l’ext\u00e9rieur, cela n’aurait pas \u00e9t\u00e9 possible. Nous n’aurions pas pu franchir la porte d\u2019une institution financi\u00e8re sans aide \u00bb, ajoute-t-il. \u00ab La FHCC nous a permis d\u2019avoir ce premier contact avec la caisse de cr\u00e9dit pour expliquer clairement la situation, et elle s’est occup\u00e9e de toute la paperasse. \u00bb \u00ab Notre gestionnaire a aussi jou\u00e9 un r\u00f4le essentiel. Elle devait r\u00e9pondre rapidement aux demandes de documents et d’\u00e9tudes pour appuyer notre demande de pr\u00eat, et elle a fait beaucoup d’efforts pour veiller \u00e0 ce que chaque \u00e9ch\u00e9ancier soit respect\u00e9. \u00bb Les Services de gestion des actifs et les Services de planification financi\u00e8re de la FHCC ont aid\u00e9 la coop\u00e9rative \u00e0 pr\u00e9parer un plan de gestion des actifs et \u00e0 organiser l’\u00e9valuation de la propri\u00e9t\u00e9, l’\u00e9valuation environnementale et les pr\u00e9visions financi\u00e8res qu\u2019il fallait remettre \u00e0 la Connect First. Ils ont conseill\u00e9 la coop\u00e9rative au sujet des conditions du pr\u00eat hypoth\u00e9caire, en se fondant sur l’exp\u00e9rience de nombreuses autres coop\u00e9ratives qui avaient obtenu un pr\u00eat d’une caisse de cr\u00e9dit par le biais de la FHCC. Le personnel des Services de gestion des actifs de la FHCC aide la coop\u00e9rative \u00e0 demander des soumissions pour la gestion de projets et \u00e0 effectuer d’autres t\u00e2ches qui seront requises lorsque le financement sera obtenu. Dave Howard, gestionnaire de programme, Services de planification financi\u00e8re, \u00e0 la FHCC, consid\u00e8re la Ramsey Heights comme un \u00ab parfait exemple \u00bb qui justifie l\u2019obtention d\u2019un nouveau financement. \u00ab La coop\u00e9rative peut ainsi r\u00e9partir le co\u00fbt des r\u00e9parations majeures sur plusieurs ann\u00e9es en les int\u00e9grant \u00e0 ses co\u00fbts de fonctionnement normaux, tout en d\u00e9posant plus d’argent dans ses r\u00e9serves \u00bb, ajoute-t-il. \u00ab Un nouveau pr\u00eat est souvent moins cher \u00e0 rembourser que l’ancien pr\u00eat hypoth\u00e9caire \u2013 dans ce cas, un montant inf\u00e9rieur et un taux d’int\u00e9r\u00eat beaucoup plus bas \u2013 de sorte que la Ramsey Heights peut constituer ses r\u00e9serves beaucoup plus rapidement que par le pass\u00e9 et r\u00e9pondre \u00e0 ses besoins futurs. \u00bb Colin Tomlins pr\u00e9voit que les travaux commenceront au printemps et se poursuivront pendant quelques ann\u00e9es, jusqu\u2019\u00e0 ce que les murs soient graduellement remplac\u00e9s. \u00ab Le nouveau pr\u00eat hypoth\u00e9caire nous permet de continuer d\u2019appliquer de modestes hausses des droits d’occupation. En tant que coop\u00e9rative, notre principal objectif est de veiller \u00e0 ce que nos logements soient au niveau le plus abordable possible. \u00bb<\/p>\n","protected":false},"excerpt":{"rendered":"

Les coop\u00e9ratives d’habitation construites sur des collines font face \u00e0 des d\u00e9fis particuliers avec le temps, et c\u2019est le cas de la Ramsay Heights Co-op \u00e0 Calgary. Cette coop\u00e9rative de … Continued<\/a><\/p>\n","protected":false},"author":2,"featured_media":7260,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[312],"tags":[],"class_list":["post-4411","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national"],"acf":[],"yoast_head":"\nUne coop\u00e9rative d'habitation de Calgary \u00e9vite des d\u00e9g\u00e2ts majeurs avec ses murs de sout\u00e8nement - CHF Canada<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Une coop\u00e9rative d'habitation de Calgary \u00e9vite des d\u00e9g\u00e2ts majeurs avec ses murs de sout\u00e8nement - CHF Canada\" \/>\n<meta property=\"og:description\" content=\"Les coop\u00e9ratives d’habitation construites sur des collines font face \u00e0 des d\u00e9fis particuliers avec le temps, et c\u2019est le cas de la Ramsay Heights Co-op \u00e0 Calgary. 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